One of the oldest and most well-known insurance firms in India, National Insurance Company, offers the National Varistha Mediclaim Policy. It was founded in Kolkata in 1906 and is supported by the Indian government's Ministry of Finance. It offers a wide variety of insurance products to individuals and families in many economic sectors as one of the top insurance providers in the nation. Vehicle, marine, general, property, and health insurance are a few of its insurance offerings.

One such option is the National Varistha Mediclaim, which is aimed for seniors between the ages of 60 and 80. It comes with a tonne of attractive bonuses and special inclusions to give residents financial security as they age.

Aging increases the likelihood of declining health and unstable finances. Older individuals need to be protected against the financial hardships that receiving adequate medical care and treatment is likely to cause because they are more likely to get sick and have medical issues. The National Varistha Mediclaim health insurance comes into play here.

With the help of the policy, senior adults in India's more than 6,000 hospitals—all of which offer cashless services—can receive reimbursement for medical bills and critical sickness care. They can choose reimbursement at many different hospitals. Additionally, seniors get access to more than 140-day care services and have pre-existing lifestyle conditions like diabetes and hypertension covered.

What are the benefits of National Varistha Mediclaim Policy?

Here is a list of Health Insurance Benefits of National Varistha Mediclaim Policy-

  1. Hospitalization costs:

The National Senior Citizen Health Insurance Mediclaim policy covers hospitalisation costs both before and after the fact, so long as neither the time before the hospitalisation nor the time after discharge exceeds 60 days.

  1. No Claim Bonus

Insurance companies are eligible for a 5% no-claims bonus for each year they go without filing a claim. The maximum bonus allowed is 50%. When renewing the policy, this incentive may be cumulatively added to the amount insured.

  1. Coverage for critical illnesses:

The National Insurance Varistha Mediclaim Policy offers protection against conditions such

  • Cancer
  • Kidney failure
  • Several Sclerosis
  • Stroke
  • Significant Organ Transplant
  • Cardiovascular Surgery
  • Permanent limb paralysis
  • Enduring blindness
  • Unclosure CABG
  • Renal failure
  1. Pre-existing conditions coverage

Pre-existing conditions are covered from the start of the National Senior Citizen Varistha Mediclaim Policy, including diabetes and hypertension. Additional premium payment is necessary, though. After a one-year waiting period, the coverage also covers joint replacement surgery, hernia, fissure, sinusitis, piles, congenital internal disorders, and cataract.

  1. No prior medical examination:

If a policyholder has been covered by an insurance plan for the preceding three years, they are not required to get a medical examination in order to receive coverage. If not, they must visit a doctor for a checkup.

  1. Co-payment:

On each claim, insurers are required to contribute 10%. Additionally, they have the choice of making a 2% copayment, which will entitle them to a 10% premium discount. In the case of pre-existing conditions, an additional 10% co-pay is required.

  1. Additional coverage:

Cashless hospitalisation is available to policyholders at network hospitals. Additionally, inpatient treatment, home healthcare

What does National Insurance Varistha Mediclaim Policy cover?

Principal Coverage of the National Insurance Varistha Mediclaim Policy are as follows-

  • Eight serious conditions are covered by the Varistha Mediclaim policy: Cancer, renal failure, multiple sclerosis, stroke, major organ transplant, and coronary artery surgery.
  • Additionally, it offers protection against accidents and injuries.
  • Hospitalization costs for home patients up to 20% of the initial sum insured are covered by the policy.
  • Up to a particular amount, policyholders may use room rental and intensive care unit costs.
  • Anesthesia costs, prescription medications, surgical supplies, blood, and oxygen costs are all covered.
  • Policyholders are eligible for a health examination after every three years without a claim.
  • Up to 25% of the insured amount is covered in the medical costs for surgeons, doctors, anesthesiologists, consultants, and disease specialists.

What are the Exclusions from the National Insurance Varistha Mediclaim Policy?

Significant Exclusions from the National Insurance Varistha Mediclaim Policy are as follows-

  • Costs associated with HIV, AIDS, or other immune deficiency disorders are not included.
  • During the first 30 days of the waiting period, no costs or critical illnesses are covered. Excluded are any costs related to rest or recuperation.
  • Sterility-related costs and costs related to venereal disease are not included.
  • Pregnancy-related expenses, such as caesareans, are not included.
  • Attempts to intentionally injure oneself, as well as alcohol and drug misuse, will not be covered by insurance.
  • Birth abnormalities and anomalies as well as congenital illnesses are not included.
  • The policy excludes change of life, cosmetic surgery, or plastic surgery.
  • It will not be covered if the insured person is hospitalised for diagnosis and evaluation.
  • Treatments relating to naturopathy, dentistry, war, the expense of eyeglasses, hearing aids, etc. are also excluded.

What are themain features of National Insurance Varistha Mediclaim Policy?

The most essential features of Varistha Mediclaim Policy for senior citizensare-

  • Hospitalisation Costs Both Before and After
  • Zero-Claims Bonus
  • Cover For Serious Illnesses
  • Coverage For Existing Illnesses
  • No Previous Medical Examination or Testing
  • Includes Covid Coverage
  • Daycare, In-Home Care, ICU, And Lodging Costs
  • Ambulance Costs

What documents are required to apply for National Insurance Varistha Mediclaim Policy?
Here is a list of all important documents that one may need to apply for a Varistha Mediclaim for senior citizens -

  • Identity documents include a driver's licence, voter identification, passport, and a PAN card.
  • Aadhar card, driver's licence, voter ID, utility bill
  • Age verification documents include a birth certificate, 10th grade transcript, passport, Aadhar card, driver's licence, voter id, passport, and PAN card.
  • Passport-sized pictures
  • Health test results

One of the best insurance plans for Indian older persons is the Varistha Mediclaim Policy. A good coverage Varistha Mediclaim Policy with a low cost can help you live stress-free. It is a strongly advised policy for elderly persons who want to protect themselves from the dangers of financial hardship brought on by medical care costs.

Visit to Know more : Government Health Insurance for Senior Citizens


Q1. Does the Varistha Mediclaim Policy cover the costs of pre- and post-hospitalization?

Ans. Yes, the Varistha Mediclaim for senior citizens covers expenses for 30 days prior to hospitalisation and 60 days following hospitalisation.

Q2. What age requirements apply when purchasing a Varistha Mediclaim Policy?

Ans. Any senior who is between the ages of 60 and 80 can purchase a Varistha Mediclaim Policy.

Q3. Does the Varistha Mediclaim Policy cover in-home hospitalisation?

Ans. Yes, domestic hospitalisation costs are covered by the Varistha Mediclaim Policy for senior citizensup to 20% of the basic sum assured.

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