Varistha Mediclaim Policy is specifically designed for senior citizens of the country aged 60 and above. Varistha Mediclaim Policy is from National Insurance Company, which is one of the oldest government insurance companies in India.
Varistha Mediclaim Policy safeguards elderly people who are prone to fall sick and need financial support.
With Varistha Mediclaim Policy, people can have critical illness cover to meet rising treatment expenses.
Varistha Mediclaim Policy comes with the options to avail coverage against pre-existing diseases like hypertension, diabetes by paying some extra premium.
Varistha Mediclaim Policy is loaded with several features like hospitalization cover, domiciliary hospitalization cover,140 plus daycare procedures. All the coverage comes with a cashless facility or on a reimbursement basis.
Features of Varista Mediclaim Policy
Cumulative bonus and free health check-up for claim-free years
No health check-up is required if policy continues for the last three years
Coverage is available for planned hospitalization and emergency.
Varistha Mediclaim Policy can be renewed for life
Free look in the period of 15 days if the policyholder is not satisfied, the policyholder can return the policy
Tax benefit under section 80D of Income Tax Act 1961
Benefits of Varista Mediclaim Policy
Cover for domiciliary hospitalization
Pre and post hospitalization cover
Avail coverage against pre-existing diseases like hypertension, diabetes by paying some extra premium
Free medical check-up after three years of enrolment
What is covered in Varista Mediclaim Policy?
Pre-post hospitalization expenses, domiciliary hospitalization cover,140 plus daycare procedures
Surgery charges such as fees of the surgeon, anesthetist, etc are covered up to the amount of 50% of the sum assured.
Ambulance charges are covered up to the amount of Rs.1000/-in a policy year.
What is not covered in Varista Mediclaim Policy
Coverage is not given to the policyholder for initial 30 days other than accidental injury
The waiting period of one year for various diseases like cataracts, Hernia, Fissure, Piles, Joint replacement, Fibromyoma, Septum, Hydrocele, etc. Therefore, not covered in the first year of the policy
Vaccination and inoculation is not covered in the policy
Cost of eye-glasses
Dental treatment
Cosmetic surgery or treatments
Any injury due to war
Self-inflicting injury caused by the use of alcohol or drugs
The disease originated due to HIV AIDS
Vitamin and tonic intake, unless it is prescribed by the doctor
Treatment conducted outside India
Eligibility
The policyholder should be 60 years of age or above
Documents Required
Identity proof: Adhar card, driving license, voter Id, passport, PAN card
Address proof: Adhar card, driving license, voter Id, Utility
Age proof: Birth certificate, 10th mark sheet, Passport, Adhar card, driving license, voter Id, passport, PAN card
Passport size photographs
Medical test report
Varistha Mediclaim Policy is one of the best insurance policies for senior citizens of India. You can have stress-free life Varista Mediclaim Policy that provides good coverage at an affordable premium. It is a highly recommended policy for senior citizens who wants to cover themselves against the perils of the financial burden caused due to medical care expenses.
Click to know more: National Insurance Mediclaim Policy
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