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Senior Citizen Mediclaim Policy
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Senior Citizen Mediclaim Policy covers any senior citizen resident in India aged between 60 and 80 yrs for Hospitalization expenses incurred for the treatment of illness/injury.


  • Pre-existing diseases are covered after 18 months of continuous insurance.
  • Pre-Acceptance Health Check up required for the Age group of 60 years and above.
  • Tax rebate available as per provision of Income Tax Rules under section 80-D
  • Get voluntary excess of 10% which is subjected to Rs. 10,000.
  • Ayush expenses incurred for homeopathic/Ayurvedic/unani are available up to 25% of the sum insured.
  • Can be renewed till the age of 90 Years.
Title Description
Ambulance Expenses Covered, subject to a maximum of Rs.1000
Donor Expenses Covered
ICU Daily Rent Limit Up to 2% of Sum Insured per day - Overall limit: 25% of the Sum Insured.
Minimum Hospitalization Period 24 Hrs
No Claim Bonus 5% for each claim free year subject to maximum of 30%
Non-Allopathic Treatments 25% of the sum insured
Post Hospitalization Expenses up to 60 days, subject to maximum of 10% of hospital bill.
Pre-Existing Disease / Illness coverage After 18 months
Pre-Hospitalization Expenses up to 30 days, subject to maximum 5% of hospital bill.
Room Rent Limit Up to 1% of Sum Insured per day - Overall limit: 25% of the Sum Insured.
Waiting Period for New Policy 30 Days