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How To Buy Senior Citizen Health Insurance Plans Online?

Published On Feb 27, 2021 5:30 AM By Sakshi Aggarwal

Aging is a part and parcel of life, however with age comes increased risk of health problems. But fortunately, you can protect yourself and your family from future medical expenses of such illnesses and diseases.

Companies offer separate individual plans for Senior citizens and people falling under the above 60 age bracket. You can search or compare different policy options available on the internet and can buy the best-suited plan for you in the comfort of your home.

Steps To Buy Senior Citizen Health Insurance Plans Online

Mentioned below are steps one should follow to buy the right insurance plans for senior citizens according to their needs.

Step 1: Assess Your Insurance Requirements

Different people have different health conditions and deal with different health problems. Before searching for the required health insurance policy, you would need to ascertain your requirements as per your health conditions and make a list of them. For example, for a young family, a floater health insurance plan would be suitable but for Senior citizens, it is advisable to go for a separate individual plan.

Step 2: Compare Senior Citizen Health Insurance Plans Online

Then your next step should be to compare prices on the basis of features and the total coverage provided by the policy. Various health insurers have come up with diversified plan variants that offer different kinds of facilities and benefits. Paying higher premiums for benefits that you may not use is not a wise decision. So it is important to compare different policy options online and choose the best according to your affordability.

Step 3: Check For Restoration Options

You should look for restoration features in your policy, under this feature you can avail of the sum insured again in a given year if you have claimed the insurance once before. After claiming the insurance once a year the sum insured will automatically get restored for further use.

Step 4: Check the Claim Settlement Ratio

An insurer with a low claim settlement ratio may spell trouble, so you should keep an eye on the insurer's services record. You should check the claim settlement ratio of the insurer before buying a plan, it is advisable equal or above 90%.

Step 5: Check Network Hospitals

Companies offer cashless claim facilities in their network hospitals. Companies have a list of network hospitals where they provide cashless facilities. If you want to avail cashless services you would need to get treatment in a network hospital of the company for that you should know about the network hospitals of the company. Also, an insurer with a huge list of network hospitals is good to opt for.

Step 6: Submit Required Documents

The company will ask you to submit the required documents for verification purposes. These documents may include:

  • Age proof such as Voter Id card, Pan Card, Aadhaar Card, Driving License, Passport, and Birth Certificate
  • Identity Proof such as Voter ID card, Passport, Aadhaar Card and Driving License
  • Address Proof such as ration card, Driving License, Passport, Rent Agreement, PAN Card, Aadhaar Card, and Utility bills
  • Passport size photographs
  • Medical Reports
  • Proposal form duly filled and signed

Step 7: Make the Payment

After submitting the required details and the documents, you would need to make payment to purchase the policy.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.


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