Varishtha Mediclaim
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This is a unique health insurance policy especially designed to cater to the needs of the senior citizens. It covers medical expenses incurred by a person due to certain critical illness, disease sickness, injury or accidents.


  • This policy covers Hospitalization and Domiciliary Hospitalization up to the age of 80 Years
  • Health cover can be extended and continued till the age of 90 Years
  • Certain critical illness are covered like Cancer, Stroke, Multiple Sclerosis etc. as additional feature of this policy
  • The critical illness claim can be paid even without hospitalization.
  • Certain pre-existing diseases are covered after one year of claim free renewal.
  • Pre-existing diseases like Hypertension and Diabetes will be covered from the inception of the Policy
Title Description
Room Rent Limit Up to 1% of sum insured, Max 25% of sum insured
ICU Daily Rent Limit Up to 2% of sum insured, Max 25% of sum insured
Pre-Hospitalization Expenses 30 days
Post Hospitalization Expenses 60 days
Minimum Hospitalization Period 24 hrs
Additional Cover for Critical Illness Optional, 200000
Pre-Existing Disease / Illness coverage After 12 months
Waiting Period for New Policy 30 days, 90 days if critical illness
Co-Payment Up to 10%, up to 20% for pre-existing disease
Medical Screening Yes
Free Health Checkup Up to 2% of sum insured, payable once after 3 continuous claim free years
Ambulance Expenses Up to 1000, per policy year
Nursing Allowance Up to 2% of sum insured