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25th April 2016, 03:19 PM
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Join Date: May 2012
Re: Best Mediclaim for Senior Citizens

New India Assurance Co Ltd is a 100 % Govt owned multinational general insurance company operating in 28 countries and headquartered at Mumbai, India.

It was founded by Sir Dorabji Tata in 1919


Senior Citizen Mediclaim Policy

This is for senior citizen resident in India and aged between 60 and 80. If renewed without a break, the cover can be continued up to age 90.


Policy Coverage:

-Hospitalization expenses incurred for the treatment of illness/injury.

-Pre- and post-hospitalization expenses up to 30 and 60 days respectively.

-Ambulance Charges.

-Limited cover for hospitalizations in government and /or registered
Ayurvedic/Homeopathic and Unani hospitals



Important Exclusions

-Diseases contracted within 30 days of insurance.
-Dental treatment except treatment arising out of accident.
-Debility and General Run Down Conditions.
-Sexually transmitted diseases and HIV (AIDS).
-Cosmetic surgery.
-Vaccination and Inoculation.
-Pregnancy and child birth.
-War, Act of foreign enemy, ionising radiation and nuclear weapon.

Sum Insured: Rs. 1.0 lac and/or Rs 1.5 lac.


Premium

Sum Insured (in Rs.) 60-65 years 66-70 years 71-75 years 76-80 years
1,00,000 3850 4250 4700 5150
1,50,000 5720 6310 6980 7650

Loading for renewal between age of 81-85 years -- 10%

Loading for renewal between age of 86- 90 years -- 20%

Additional premium to cover pre-existing conditions of Hypertension, Diabetes mellitus from the inception of policy - 10% of basic premium for each condition.

Discounts:
-10% for voluntary excess of Rs.10,000/-.
-10% Family Discount in case spouse is also covered.


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