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Varishtha Mediclaim

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Synopsis:

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.

Highlight:

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

Benefit:

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

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the type of computer you're using
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We may collect the following personally identifiable information about you:

name
email address
ZIP/Postal code
demographic profile (like your age, gender,occupation and education);
financial information (like annual income or insurance policy number); and
opinions of features on our websites.

Who collects the information?

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We will collect personally identifiable information about you only as part of a voluntary registration process.

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help us provide personalized features
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get in touch with you when necessary

We use contact information internally to:

direct our efforts for product improvement
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remind us of who you are in order to deliver to you a better and more personalized service from both an advertising and an editorial perspective
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help diagnose problems with our server
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We will not disclose any of your personally identifiable information to third parties unless:

we have your permission
special circumstances such as compliance with legal authorities
require disclosure

We will not use your financial information for any purpose other than to provide services to you.

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Upon request, we will remove your personally identifiable information from our database, thereby canceling your registration.

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To protect against the loss, misuse and alteration of the information under our control, we have in place appropriate physical, electronic and managerial procedures. For example, our servers are accessible only to authorized personnel.

Although we will endeavor to safeguard the confidentiality of your personally identifiable information, transmissions made by means of the Internet cannot be made absolutely secure. By using this site, you agree that we will have no liability for disclosure of your information due to errors in transmission or unauthorized acts of third parties.

Policy Updates

We reserve the right to change or update these policies at any time upon reasonable notice, effective immediately upon posting to this site.

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