National Insurance Health Plan for Senior Citizen

National Insurance Health Plan for Senior Citizens is a type of health insurance plan designed for people above the age of 60 years; namely the senior population of this country. This plan is also known as National Senior Citizen Mediclaim Policy (NSCMP) and is offered by the National Insurance Company. National Insurance Company Limited is the oldest and most trusted general insurance company in India.

As you grow old, so do your medical bills and trips to the hospital. Your body can no longer handle the stress like it used to do before. If you want a peaceful life post-retirement, it is advisable to purchase a senior citizen policy that will take care of all your financial obligations arising out of medical treatment, sickness, and old age.

This is a comprehensive health coverage policy for senior citizens. Let us look at this plan in complete detail. Know more online on Coverfox. Call us on 1800 209 9930 today!

CRITERIA

Sum Insured:

- Plan A – 10 slabs, INR 1,00,000 to INR 10,00,000 in multiple of INR 1,00,000
- Plan B – 10 slabs, INR 1,00,000 to INR 10,00,000 in multiple of INR 1,00,000 Individual Basis and Floater Basis option is available for both the plans

Eligibility:

Individual Basis

- Self only aged between 60 to 80 years at inception. - Self and Spouse, both aged between 60 to 80 years at inception

Family Floater Basis

- Self and Spouse together, where self is aged between 60 to 80 years, and spouse is aged between 50 to 80 years at inception. 18 to 65 years

What is Covered?

• Allopathy, Ayurveda, and Homeopathy
• Room Rent/ICU charges, Medical practitioners, surgeon, anesthetist, consultants, specialist’s fees
• Ambulance Charges, funeral expenses & Organ Donor’s expenses
• Domiciliary hospitalization of up to 20% of the SI
• HIV & Mental illness cover
• Pre and Post Hospitalization up to 30 days and 60 days
• Modern treatments like Robotic surgery, oral chemotherapies, immunotherapies, and more
• Morbid obesity, post waiting period
• Correction of eyesight, post waiting period
• Participation in hazardous and adventure sports, up to a sub-limit
• Genetic Disorders
• Cashless Facility
• Lifelong Renewability Option
• Health Insurance Portability Option
• Reinstatement of SI for road traffic accidents
• Tax Rebate under Section 80D of Income Tax Act 1961
• Online Discounts for purchasing a policy online
• OPD, Critical illness, Personal accident & coverage of pre-existing Diabetes/Hypertension
• Preventive Health Check Up
• Every 2 claim-free years, up to 2 % of the average SI, subject to maximum INR 4,000/- per insured person
• Pre Policy Check-up/List of Test Covered
• Physical examination
• HbA1c
• Lipid profile
• Serum creatinine
• Urine routine and microscopic examination
• ECG
• Eye check-up (including retinoscopy)

What is Not Covered?

• Claims arising out of accidents are payable for the first 30 days
• Pre-existing diseases included after the first twenty-four months
• Change-of-Gender Treatments
• Cosmetic or Plastic Surgery
• Excluded Providers
• Vitamins/Supplements/Tonics
• Drug/alcohol/substance abuse
• Self-Inflicted Injury
• Non-Prescription Drugs
• Home visit charges
• Dental treatment

Note: All information has been sourced from the official website of the National Health Insurance Company.