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Varishtha Mediclaim


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


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
Up to 10%, up to 20% for pre-existing disease
Medical Screening
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
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