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Know Everything About New India Assurance Senior Citizen Mediclaim Policy

By Juhi Walia
06 September 2022, 10:42 AM

If you're an Indian resident aged between 60 and 85 years old, the New India Assurance Senior Citizen Mediclaim Policy is designed just for you. It's a long-term savings insurance plan that provides many benefits, including medical cover, cashless hospitalisation and coverage for numerous illnesses. The New India Assurance Senior Citizen Mediclaim Policy offers you all these benefits at an annual premium for the first year and subsequent years without any additional or special underwriting conditions. So if you're 60 years old this year, there's no better time than now to purchase one.

This policy is available from all stock branches of New India Assurance Company Limited. It stands nullified in the event of your death during the policy term except due to natural causes like old age or disease. 

Understanding the Importance of Health Insurance

Health insurance is a necessity for those living in India. It's a responsibility that every individual must take care of because no one can predict what life will throw at you. Working around the clock means we often neglect our health and pay little attention to it. We eat poorly, ignore medical checkups and fail to get enough sleep (which we don't even consider important!). But then life happens, and you might get affected by an illness or injury that not only causes an intense amount of pain but also puts a hold on your income until you are back on your feet. In India, most health insurance companies offer premium plans which involve you paying more per year for coverage for any medical emergency.

Features of the National India Assurance Senior Citizen Mediclaim Policy

At age 60, you become eligible for a medical insurance plan, and health insurance companies in India offer these as a way to manage bills for medical emergencies. The New India Assurance Senior Citizen Mediclaim Policy comes with several features, such as:

Coverage Against High Medical Expenses

Health insurance is a way to manage medical expenses. When you get injured or undergo any critical medical treatment, the entire cost can add up very quickly. The cost of surgery, medicines, and doctor fees can sometimes even exceed the total amount you earn in one year.

Coverage against large medical bills is perhaps one of the most important aspects of a health insurance policy. This ensures that once you require serious medical attention, you don't have to pinch every penny spent on your treatment. The New India Assurance Senior Citizen Mediclaim Policy covers hospitalisation expenses above INR 10 lakh per year for those who opt for policies with higher annual limits.

Ambulance Cover

One of the biggest costs a patient faces after being admitted to the hospital is ambulance charges. The cost of travelling in an ambulance can sometimes be very high, not including the charges made by the driver. Ambulance services are very important and might be needed at any time.

If you are an elderly Indian and get injured, reaching your nearest hospital will only be a few miles away. But if you don't have health insurance, you may be unable to afford these ambulance charges. Because of this problem, New India Assurance Senior Citizen Mediclaim Policy has ambulatory plan benefits of up to INR 1000.

Cashless Hospitalisation

The New India Assurance Senior Citizen Mediclaim Policy provides cashless hospitalisation to the policyholder. Cashless hospitalisation is one of the major benefits offered in the New India Assurance Senior Citizen Mediclaim Policy. This benefit is extremely useful for people with long-term illnesses or who require regular medical attention and frequent visits to hospitals. You can choose a policy which covers you for up to 60 days every year so you can avail cashless hospitalisation benefits whenever required while retaining good financial health!

Offers Multiple Covers

The New India Assurance Senior Citizen Mediclaim Policy offers a minimum cover of INR 10 lakh, with a maximum cover of up to INR 15 lakh. It has both hospitalisation and outpatient plans. Based on your needs, you can choose a cover that fulfills your requirement. However, the sum insured you chose, the premium of your health policy varies accordingly. 

Free Health Checkup

The health insurance plan also covers medical checkups at a government hospital and also at a private clinic of your choice. The policy gives you the freedom to choose from a list of hospitals, clinics and places that provide free services through health insurance. This ensures that you will be able to get all the necessary treatment for any injury free of cost.

Long List of Illnesses/Diseases are Covered

This New India Assurance health insurance comes with a host of features and due to which it offers you coverage against various illnesses/diseases. Treatments like cataract, hernia-ventral/incisional, angiography, kidney stone, prostate, etc are covered under this plan, subject to specified limits of sum insured. 


The New India Assurance Senior Citizen Mediclaim Policy is one of the best health insurance plans for senior citizens and covers most kinds of medical treatments, from hospitalisation to outpatient treatments. It also has a cashless hospitalisation benefit where you can enjoy unlimited coverage for your hospital bills. 

The policy also gives you free health checkups and the option of choosing a private clinic or government hospital. This policy is perfect for people who are unable to pay high medical expenses on their own, who want a variety of options when it comes to where they receive their treatment and who wish to receive the best care in any situation – be it surgery or an outpatient visit.

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1. Who can apply for the National India Assurance policy?

The policy is open to any individual who has reached the age of 60. Those with a disability or congenital deficiency or those specialising in medical fields are excluded from this policy. 

2. How to apply for the National India Assurance policy?

You can apply for this policy online through their official website and fill in your details and information. Once you complete the form, you will receive an acknowledgement letter with your policy within a week. Also, you can reach out to any branch of the company near you to apply for the policy. Once it happens, you can start availing of its benefits.

3. What is the eligibility criteria for National India Assurance senior citizen policy?

To be eligible for this plan, there are the most important eligibility criteria which must be satisfied before a purchase can take place. These are as follows- You must be a resident of India. You should also prove that you are a senior citizen by showing your date of birth and the date issued by your country's passport or licence. There should also be a valid document proving that you have reached 60.

4. Is the National India Assurance health insurance policy renewable?

This policy comes with a tenure of 1 year. So soon after your policy is about to expire, you can renew it to enjoy the uninterrupted benefits and coverages.

5. Is the National India Assurance senior citizen insurance plan available for senior citizens outside India?

No, the plan does not applicable for senior citizens living outside India.

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