Varishta Bima - Individual
Quick Links :
Future Varishta Bima is a health insurance plan designed just for senior citizens. It provides cover to anyone from age of 60 years and above with continuous cover thereafter till lifetime.


  • Room, Boarding & Nursing Expenses
  • Surgeon/ Consultant/ Anaesthetist/ specialist fees
  • Anaesthesia, blood, Oxygen, Operation Theatre fees
  • Pre and Post hospitalisation medical expenses
  • Day Care expenses
  • Road Ambulance charges
  • Free annual medical check-up
Title Description
Co-Payment 50% co-payment for Pre-existing disease.25% co-payment is applicable on each and every claim for all other claims,
Medical Screening a) Applicable for proposal form with any medical declaration for any sum insured b) Mandatory Pre-insurance medical examination for sum insured Rs 7.5 L and Rs 10 L
Free Health Checkup Free Medical Check-up after every continuous period of 1 year
Ambulance Expenses Up to ? 1000/- per hospitalization
Non-Allopathic Treatments Not covered
New Born Baby Cover NA
Donor Expenses Not covered
Nursing Allowance Covered upto SI
Room Rent Limit Covered upto SI
ICU Daily Rent Limit Covered upto SI
Pre-Hospitalization Expenses Up to 60 days. 2% of SI
Post Hospitalization Expenses Up to 90 days. 2% of SI
Minimum Hospitalization Period 24 hours
Day Care Procedure Coverage Covered
Additional Cover for Critical Illness NA
Automatic Restoration of Sum Insured NA
Pre-Existing Disease / Illness coverage Covered after 12 months
Waiting Period for New Policy 30 days for all illnesses (not applicable on renewal or for accidents)