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Varishta Bima - Floater
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Future Varishta Bima is a health insurance plan designed just for senior citizens. It provides cover to anyone from age of 60 years and above with continuous cover thereafter till lifetime.


  • Room, Boarding & Nursing Expenses
  • Surgeon/ Consultant/ Anaesthetist/ specialist fees
  • Anaesthesia, blood, Oxygen, Operation Theatre fees
  • Pre and Post hospitalisation medical expenses
  • Day Care expenses
  • Road Ambulance charges
  • Free annual medical check-up
Title Description
Room Rent Limit Covered upto SI
ICU Daily Rent Limit Covered upto SI
Pre-Hospitalization Expenses up to 60 days. 2% of SI
Post Hospitalization Expenses up to 90 days. 2% of SI
Minimum Hospitalization Period 24 hours
Day Care Procedure Coverage Covered
Pre-Existing Disease / Illness coverage Covered after 12 months
Waiting Period for New Policy 30 days for all illnesses (not applicable on renewal or for accidents)
Co-Payment 50% co-payment for Pre-existing disease.25% co-payment is applicable on each and every claim for all other claims
Medical Screening a) Applicable for proposal form with any medical declaration for any sum insured b) Mandatory Pre-insurance medical examination for sum insured Rs 7.5 L and Rs 10 L
Free Health Checkup Free Medical Check-up after every continuous period of 1 year
Ambulance Expenses Up to ? 1000/- per hospitalization
Non-Allopathic Treatments Not covered
Donor Expenses Not covered
Nursing Allowance Covered upto SI