I have take this policy in 2011 for my father & his executive told me about 30% co pay that I agree. I declare BP because my father take bp medicine in 2006-2006. Also my father kidney treatment is going on general opd since 2014. In 2018 my father got a clot in his brain & hospitalize. I surprised that they l linked all the issue with bp & just clear the 50% billing amount as per them but bill amount is too high from their 50% amount. First they release Rs. 5000 & finally total amount is 16841 after a huge followup & bast-erred showing me as their big favor. Also they got all CT scan, MRI Filim with all original reports even I paid more then 70% for all hospital expanse.
I suggest " national mediclaim Varistha Medicliam policy" if you want a policy for senior citizen. Its only 10% copay.