Varistha Mediclaim Policy: Comprehensive Coverage for Senior Citizens

Discover the extensive coverage and benefits provided by the Varistha Mediclaim Policy for senior citizens.
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3 min
26-June-2025

As we grow older, medical care becomes not just important—but essential. From regular check-ups to managing chronic conditions and emergency care, the healthcare needs of senior citizens often come with high and recurring costs. That's why having the right health insurance plan isn’t a luxury—it’s a necessity.

Understanding these unique challenges, National Insurance Company Limited has introduced the Varistha Mediclaim Policy—a plan thoughtfully crafted to support the health and financial security of individuals aged 60 and above. With features like coverage for pre-existing diseases, domiciliary treatment, and critical illnesses, this plan ensures that age doesn’t become a barrier to quality care.

Retirement should bring peace of mind—not medical bills.
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What is Varistha Mediclaim?

Varistha Mediclaim is a health insurance policy offered by the National Insurance Company Limited, tailored specifically for senior citizens aged 60 to 80 years. The policy can be renewed up to the age of 90, ensuring long-term health coverage. It is designed to provide financial protection against medical expenses, including hospitalisation, domiciliary hospitalisation, and critical illness treatment, which are particularly relevant for the elderly.

Explore: Government health insurance schemes for senior citizens

Pro Tip

Choose a senior citizen health plan with pre-existing disease coverage and lifetime renewability to ensure your parents always have financial protection for medical emergencies, treatments, and long-term care.

Senior Citizen

Daily cash allowance:

Key features of Varistha Mediclaim

Varistha Mediclaim stands out due to its comprehensive coverage and benefits tailored for senior citizens. Here are the key features of the policy:

Eligibility and renewal:

The policy is available for individuals aged 60 to 80 years at the time of entry and can be renewed up to the age of 90.

Sum insured:

The policy offers two options for the sum insured – Rs. 1 lakh and Rs. 2 lakh, providing flexibility based on the policyholder's needs and financial capabilities.

Hospitalisation coverage:

It covers expenses for hospitalisation, including room charges, nursing, surgeon’s fees, and diagnostic tests.

Pre- and post-hospitalisation:

Expenses incurred 30 days before and 60 days after hospitalisation are covered under this policy.

Domiciliary hospitalisation:

It includes coverage for treatment at home if hospitalisation is not possible due to the patient's condition or non-availability of hospital beds.

Critical illness coverage:

An additional benefit of Rs. 2 lakh is provided for critical illnesses such as cancer, kidney failure, stroke, and major organ transplants.

Pre-existing diseases:

Pre-existing diseases are covered after a waiting period of 1 year, provided the policyholder maintains continuous coverage without a break. This ensures that even long-term health conditions can be managed affordably over time.

Looking for a plan that covers pre-existing conditions sooner?
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Ambulance charges:

It covers ambulance charges up to Rs. 1,000 per illness, ensuring that emergency transportation costs are manageable.

Daily cash allowance:

The policy offers a daily cash allowance for accompanying an insured person during hospitalisation, up to Rs. 500 per day.

Premium discounts:

Discounts are available on insurance premium for policyholders who opt for a higher sum insured or include family members under the same policy.

Benefits of Varistha Mediclaim for Senior Citizens

Varistha Mediclaim by National Insurance is tailored specifically for individuals aged 60 and above—offering age-appropriate features, lifelong support, and much-needed peace of mind in golden years. Here’s how it addresses senior-specific healthcare needs:

All-round medical coverage, minus the stress

From hospitalisation to domiciliary care, the policy covers a broad range of treatments—so seniors can focus on recovery without worrying about bills.

Looking for senior health insurance without claim surprises?
Compare plans with cashless hospitals near you on Bajaj Finance Insurance Mall.

Built-in critical illness buffer

A separate sum insured is allocated just for critical illnesses, offering a financial cushion during life-threatening emergencies like cancer, stroke, or heart disease.

Renewability till age 90

Unlike many policies that end coverage at 70 or 75, Varistha Mediclaim supports long-term care needs with renewability up to 90 years of age.

Financial peace for families

By covering high-ticket expenses, this policy reduces the financial strain on children or caretakers—letting them focus on caregiving, not fund-raising.

Domiciliary care included

Covers home-based treatment when hospitalisation isn't possible—a big relief for seniors with mobility issues or chronic illness.

Pre-existing disease coverage after 1 year

One of the few plans that offers coverage for existing medical conditions after a short 1-year waiting period, provided continuous coverage is maintained.

Want coverage from day 1 for diabetes or hypertension?
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Ambulance & daily cash allowance

Whether it’s ambulance charges or a daily allowance for an attendant, the plan provides thoughtful add-ons that truly support aging needs.

Also, read: Benefits of health insurance

Claims process under Varistha Mediclaim

The claims process for Varistha Mediclaim is designed to be user-friendly and efficient, ensuring that policyholders receive timely reimbursement for their medical expenses. Here are the steps involved:

  • Notify the insurer: Inform the insurance company or their third-party administrator (TPA) about the hospitalisation or treatment as soon as possible.
  • Submit claim form: Fill out and submit the claim form along with necessary documents, including medical reports, bills, and discharge summary.
  • Pre-authorisation for cashless treatment: For cashless hospitalisation at network hospitals, obtain pre-authorisation from the insurer. This facilitates direct billing between the hospital and the insurance company.
  • Reimbursement claims: If treated at a non-network hospital, submit all relevant documents and bills to the insurer for reimbursement of expenses.
  • Claim settlement: The insurer will review the claim and process the payment based on the policy terms and coverage limits.

Read more: How to claim health insurance?

The premium for Varistha Mediclaim depends on various factors, including the sum insured, age of the insured, and health status. Here’s how it is calculated and how discounts can be availed:

  • Age and sum insured: Premiums increase with age and the sum insured selected. Higher sums insured attract higher premiums but offer more extensive coverage.
  • Medical history: Health conditions and medical history can influence the premium amount. Applicants with pre-existing conditions might have higher premiums or need to undergo more thorough medical examinations.
  • Policy tenure and renewal: Longer policy tenure and continuous renewal without breaks can sometimes attract loyalty discounts or bonuses.
  • Discounts: Discounts are available for policyholders who choose higher sums insured or include multiple family members in the policy.

Key exclusions and limitations

While Varistha Mediclaim offers extensive coverage, there are certain exclusions and limitations that policyholders should be aware of:

  • Initial waiting period: Claims for any illness occurring within the first 30 days of the policy start date are not covered, except for accidental injuries.
  • Pre-existing diseases: Coverage for pre-existing diseases begins after a waiting period of one year from the policy inception.
  • Specific ailments: Certain ailments have specific waiting periods before coverage starts, typically two years. These may include cataract surgery, joint replacement, and hernia.
  • Cosmetic treatments: Cosmetic or aesthetic treatments, including plastic surgery, are not covered unless required due to an accident or illness.
  • ·Self-inflicted injuries: Injuries or illnesses resulting from self-inflicted harm or substance abuse are excluded.
  • Non-prescription treatments: Expenses for treatments not prescribed by a registered medical practitioner or for over-the-counter medications are not covered.
  • Other exclusions: Treatment for conditions such as HIV/AIDS, war-related injuries, or participation in hazardous activities are generally excluded.

Read more: Exclusions under health insurance

VARISHTHA Mediclaim for Senior Citizens by National Insurance isn’t just a policy—it’s reassurance when your loved ones need it most. With built-in coverage for hospitalisation, critical illness, pre-existing conditions (after a short wait), and even home care, it offers seniors a sense of health security without draining family finances.

Don’t wait for a medical emergency to realise what’s missing.
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Frequently asked questions

What is covered under the Varistha Mediclaim Policy?
VARISTHA Mediclaim covers hospitalisation, pre- and post-hospitalisation, domiciliary care, critical illnesses, ambulance charges, and offers daily cash allowance for attendants, ensuring comprehensive protection for senior citizens.
What are the eligibility criteria for senior citizens to avail the Varistha Mediclaim Policy?
Senior citizens aged 60 to 80 years are eligible for Varistha Mediclaim, which can be renewed up to the age of 90, offering tailored health coverage for elderly individuals.
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