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2 Popular Senior Citizen Health Insurance Plans You can Buy Online

Updated On Nov 27, 2020

“Buy health insurance for senior citizens when you’re still considered young. Reason being, as you age, you push up the premium and give restricted coverage to diseases.”

Changing lifestyles, diets, high-pollution level in the environment, etc. carry an undesirable effect on our health, especially in our retiring years.

On the other hand, a constant hike in medical costs put a question mark on getting the best medical treatment.

This is the reason many senior citizens think twice before spending even a single penny. This is because they have to pay out of their hard-earned savings to meet the medical expenses.

To be more precise...

Health costs in India are being expected to increase at more than double the inflation rate. The need for an adequate health cover, thus, sounds a wise decision not just during the young age of an individual but even after one retires.

This is where health insurance comes to play a pivotal role. Buy it today to back hospitals bills, and not let it be a shock for you.

Here are certain facts why Health Insurance for Senior Citizen is essential.

Senior citizen health insurance plans

Senior citizen health insurance policies are designed exclusively for seniors. If you come under a senior citizen category, or whether you want to buy a health policy for your parents, then the policy enables you to meet high medical costs during hospitalisation. In lieu, you just need to pay a premium each year to your health insurance provider that pays the sum insured in case of the medical treatment.

Read on to find three popular senior citizen health insurance plans available in India.

1. Senior Citizens Red Carpet Health Insurance Policy

Star Health is the first insurance company in India to introduce a health insurance plan for selective needs of senior citizens in the country. Senior Citizens Red Carpet Health Insurance Policy is its most popular plan for elderly people. The policy is available for senior citizens aged between 60 to 75 years.


  • Treatment at network hospitals
  • Daycare procedures
  • Domiciliary treatment
  • No pre-insurance medical test
  • Coverage for pre-existing diseases from the second year
  • Cover for expenses incurred in health check-up.
  • Lifetime renewals

In-patient hospitalization expenses are also covered. They are:

  • ICU expenses
  • Nursing expenses
  • Surgeon's fees
  • Consultant's fees
  • Anaesthetist's and specialist's fees
  • Cost of oxygen, pacemaker, blood
  • Cost of drugs and diagnostic tests
  • Emergency ambulance charges
  • Pre hospitalisation cover up to 30 days of hospitalisation
  • Post-hospitalisation as lump-sum up to the specified sum assured.

Apart from all these, expenses of pre and post hospitalization are also covered.

2. Oriental Insurance HOPE

HOPE, which stands for Health of Privileged Elder, is another senior citizen health insurance plan available in India. Provided by Oriental Insurance, this policy is popular not just for its features, but for high claim settlement and high incurred claim ratios also. HOPE is known for providing coverage for specified diseases at an optimum premium.


Coverage for in-patient hospitalization expenses:

  • Coverage available for 60 years and above only
  • ICU expenses, room expenses
  • Boarding and nursing expenses
  • Surgeon fee
  • Medical practitioner fees
  • Specialists fees
  • Anesthesiology costs
  • Blood, oxygen costs
  • Operation theatre charges
  • Costs for surgical appliances
  • Medicines & drugs costs
  • Dialysis, chemotherapy, radiotherapy
  • Artificial limbs
  • Pre-existing diseases covered after 24 months

Moreover, prosthetic devices implanted during the surgical procedure like a pacemaker, x-ray, relevant diagnostic tests, etc. are also covered.

Diseases covered

Oriental Insurance HOPE also provides coverage for diseases and health issues comprising the following:

  • Accidental injury
  • knee replacement
  • Cardiovascular diseases
  • Chronic renal failure
  • Hepatobiliary disorders
  • Chronic obstructive
  • Lung diseases, cancer
  • Stroke, benign prostate
  • Orthopaedic ailments
  • Ophthalmic diseases

Besides, domiciliary hospitalization expenses and charges for ambulance service are also covered.

Also Read

New India Assurance - Find Benefits of Its Senior Citizen Mediclaim Policy

Factors to Consider in Choosing Senior Citizen Health Insurance Plan


Above mentioned are two health insurance policies for senior citizens in India. They are the right options for those who want to be covered by a comprehensive health cover.   

Thus, if you are on a lookout for a senior citizen health plan, either select from the above policies or request a call back from us. Our health insurance experts will suggest you the best policy.

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