Useful Information

New India

TPA Information

Senior Citizen Mediclaim Policy


Senior Citizen Mediclaim Policy covers any senior citizen resident in India aged between 60 and 80 yrs for Hospitalization expenses incurred for the treatment of illness/injury.


  • Pre-existing diseases are covered after 18 months of continuous insurance.
  • Pre-Acceptance Health Check up required for the Age group of 60 years and above.
  • Tax rebate available as per provision of Income Tax Rules under section 80-D
  • Get voluntary excess of 10% which is subjected to Rs. 10,000.
  • Ayush expenses incurred for homeopathic/Ayurvedic/unani are available up to 25% of the sum insured.
  • Can be renewed till the age of 90 Years.


Room Rent Limit
Up to 1% of Sum Insured per day - Overall limit: 25% of the Sum Insured.
ICU Daily Rent Limit
Up to 2% of Sum Insured per day - Overall limit: 25% of the Sum Insured.
Pre-Hospitalization Expenses
up to 30 days, subject to maximum 5% of hospital bill.
Post Hospitalization Expenses
up to 60 days, subject to maximum of 10% of hospital bill.
Minimum Hospitalization Period
24 Hrs
Pre-Existing Disease / Illness coverage
After 18 months
Waiting Period for New Policy
30 Days
Ambulance Expenses
Covered, subject to a maximum of Rs.1000
Non-Allopathic Treatments
25% of the sum insured
Donor Expenses
No Claim Bonus
5% for each claim free year subject to maximum of 30%