National Insurance

National Senior Citizen Mediclaim: A decent policy for those 60+ with pre-existing diseases, covering complications after 2 years. However, it has some unsavoury conditions, so consider other options if available.

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whatWeLike What We Like

This section highlights the strengths and benefits of National Senior Citizen Mediclaim policy policy by National Insurance. It covers what the policy does exceptionally well, including aspects that provide significant value and peace of mind to the policyholder. Here, you will find the major advantages and positive features that make this policy stand out.

You’ll never have to split the bill

Full Coverage (No Co-Payment): The insurer will bear the entire cost of treatment (up to the sum insured). You won’t have to pay a single penny, meani...

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You always have full cover irrespective of the disease

No Disease-Wise Sub-Limits: If your insurer hasn't explicitly excluded an illness, you can claim the full sum insured for any disease, as this policy ...

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Pre & Post hospitalization expenses covered

Diagnostic Tests Coverage (30 days/60 days): No worries if the doctor has to run a series of diagnostic tests before or after hospitalizing you. The i...

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Covers Alternative Medicine

Full Coverage for Alternative Treatments: Thinking of getting Ayurvedic, Homeopathic, or other alternative treatments to cure an illness? Your insure...

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Short waiting period for Pre Existing Diseases

Coverage After 2 Years: If you're dealing with diabetes, cardiovascular problems, or similar illnesses, the insurer covers all costs related to these ...

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Day Care treatments covered

Minor Procedure Full Coverage: If you're hospitalized for less than 24 hours for a minor procedure, the insurer will cover the costs. This includes tr...

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whatIsOk What Is Okay

This section outlines the satisfactory but not exceptional aspects of National Senior Citizen Mediclaim policy policy by National Insurance. It includes features and benefits that are adequate and meet standard expectations. While these elements may not be extraordinary, they still contribute to the overall usefulness and reliability of the policy.

Free Health Checkups every year

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

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Some coverage if you are forced to hospitalize at home

Annual Full Body Checkup: If you’re planning on getting a full body checkup every year just to make sure you’re in fine working condition, the insurer...

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whatWeDontLike What We Don't Like

This section addresses the limitations and drawbacks of National Senior Citizen Mediclaim policy policy by National Insurance. It highlights areas where the policy may fall short or aspects that could be improved. Understanding these points is crucial for making an informed decision and managing expectations regarding the policy’s coverage and service.

No Restoration Benefit

Domiciliary Cover (20% of Sum Insured): The insurer will pay up to 20% of the sum insured if you are forced to hospitalize at home due to a medical co...

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Underwhelming bonus feature

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

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Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

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Underwhelming bonus feature

No Full Cover Restoration: This policy does not restore full cover after a partial claim within the same year, unlike some policies that offer this be...

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Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

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Restrictions on the rooms you can pick and much more

Room Rent Limit (1% for General, 2% for ICU): Your insurer won’t let you stay in a room whose rent exceeds 1% of the sum insured. For ICU, the limit i...

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Frequently Asked Questions

Medfin offers the latest surgical procedures to ensure that you
recover as fast as possible in the least painful way possible.

The claim settlement ratio for National Senior Citizen Mediclaim Policy in 2024 is 99.41%. This high ratio demonstrates the insurer's commitment to efficiently processing claims, offering peace of mind to policyholders.

The Senior Citizen Mediclaim Policy is specifically designed for individuals aged 60 years and above, offering tailored health coverage.

Yes, pre-existing conditions are covered after a waiting period of 24 months.

The plan includes wellness benefits such as annual health check-ups and discounts on medical services, catering specifically to seniors.

Yes, this plan offers a No Claim Bonus, where the sum insured increases by 10% annually for every year without a claim, reaching up to 50%.

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