National Insurance-Varishta Mediclaim for Senior Citizens

National Insurance company’s Varishta is one of best mediclaim for senior citizens.  It covers hospitalization and domiciliary hospitalization expenses under section I as well as expenses for treatment of critical illnesses.

Section I-
It covers room rent and boarding expenses up to 1% of sum insured per day, in case of admitted in ICU 2% of sum assured is provided. The overall limit is 25% of the sum insured per illness/injury. It also covers surgeon, anesthetist, medical practitioner, consultants, specialist fees, nursing expenses, etc. up to 25% of sum insured per illness/injury.

Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, cost of medicines and drugs, diagnostic materials, x-ray, dialysis, chemotherapy, radiotherapy, pacemaker, artificial limbs, cost of stent and implants, up to 50% of sum insured per illness/injury.

Section II-
The following critical illnesses are covered-
Cancer
Coronary Artery Surgery
Stroke
Renal Failure
Multiple Sclerosis
Major Organ Transplant (Kidney, Lung, Pancreas and Bone marrow)
Paralysis and Blindness at extra premium

The entry level age is 60 years to 80 years. The renewal age is up to 90 years. The sum assured  for  hospitalization and domiciliary hospitalization is Rs.1,00,000/- and for critical illness is Rs.2,00,000/-