Top Senior Citizen Health Insurance Plans in India
Updated On Oct 15, 2020
Senior citizen health insurance plans are health insurance plans that are especially designed for senior citizens above 60 years of age. These plans offer senior citizens the much needed protection during the golden years of their lives. If covered under a senior citizen health insurance policy, the insured can enjoy several benefits such as cover for critical illnesses, cashless treatment in network hospitals, ambulance services, and so on. In short, these plans are more of a need in old age than want.
Listed below are top 5 senior health insurance plans along with their features and other highlights:
|
Name of the Insurance Company |
Plan Name |
Minimum And Maximum Entry Age |
Sum Insured (in Rs.) |
Coverage Benefits |
|
Care Senior Policy |
61 years - no limit |
3 lakh - 10 lakh |
In-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, daycare expenses, organ donor cover, etc. |
|
|
Varistha Mediclaim for Senior Citizens |
60 years - 80 years |
1 lakh - 2 lakh |
In-patient hospitalisation expenses, ambulance expenses, domiciliary hospitalisation expenses, and health check-up in every three claim-free years, etc. |
|
|
Red Carpet Policy |
60 years - 75 years |
1 lakh - 25 lakh |
Daycare procedures, emergency ambulance expenses, in-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, cost of health-check up, |
|
|
Silver Health Policy |
46 years - 70 years |
50,000 - 5 lakh |
130 daycare procedures, in-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, ambulance expenses, etc. |
|
|
Senior Citizen Health Insurance Policy |
61 years - 80 years |
1 lakh - 3 lakh |
AYUSH treatment expenses, in-patient hospitalisation expenses, major illness, surgeries for up to a specific limit, expenses related to cataract, hernia, hysterectomy up to 25% of the sum insured |
- Care Senior Offered by Care Health Insurance: Care Senior is a health insurance policy especially designed for senior citizens that protects them during the golden years of their lives. People aged at least 61 years can be covered under this policy on an individual as well as floater basis. A good news is that there is no maximum entry age under this policy. The policy is available in two variants with sum insured options ranging between Rs. 3 lakh and Rs. 10 lakh which you can choose as per your requirement. The policy offers several benefits to the insured such as cover for in-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, daycare expenses, organ donor cover, etc.
- National Insurance Varistha Mediclaim for Senior Citizens: Varistha Mediclaim for Senior Citizens Policy protects senior citizens from high healthcare expenses. It covers people aged between 60 years and 80 years for sum insured options of Rs. 1 lakh and Rs. 2 lakh. The policy offers several benefits to the insured such as cover for in-patient hospitalisation expenses, ambulance expenses, domiciliary hospitalisation expenses, and health check-up in every three claim-free years. Also, the policy offers add-on benefits that you can choose by paying an extra premium. These are critical illnesses and pre-existing diseases.
- Star Health Senior Citizen Red Carpet Health Plan: Red Carpet policy is sure to bring smiles of the faces of senior citizens in India. It offers coverage to people aged between 60 years and 75 years for sum insured options ranging between Rs. 1 lakh and Rs. 7.5 lakh on individual basis and Rs. 10 lakh and Rs. 25 lakh on floater basis. The policy covers elderly people for several healthcare expenses such as daycare procedures, emergency ambulance expenses, in-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, cost of health-check up, and so on. Also, the policy offers guaranteed renewals, tax benefits, and cashless hospitalisation.
- Bajaj Allianz Silver Health Senior Citizen Plan: Silver Health plan gifts your parents financial security if they are aged between 46-70 years. You can purchase this policy for sum insured options ranging between Rs. 50,000 and Rs. 5 lakh. The policy offers several benefits to the insured such as cover for 130 daycare procedures, in-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, ambulance expenses, cover for pre-existing diseases after 2 years from the commencement of the policy, enhancement of sum insured at the time of renewal, etc.
- United India Senior Citizen Health Insurance Policy: Senior Citizen Health Insurance policy is another popular senior citizen insurance policy that covers people aged between 61 years and 80 years. The policy covers the senior citizens for sum insured options ranging between Rs. 1 lakh and Rs. 3 lakh in multiples of Rs. 50,000. The policy covers the insured against several healthcare expenses such as AYUSH treatment expenses, in-patient hospitalisation expenses, major illness, surgeries for up to a specific limit, expenses related to cataract, hernia, hysterectomy up to 25% of the sum insured.
Investing in health insurance plans for senior citizens is a process that requires a little smartness. To choose the most suitable health insurance plan for senior citizens, you must consider a few factors that include checking for sub-limits, waiting period, a number of network hospitals, claim settlement process, etc.
In case of any doubt or query, you may get in touch with the customer care executives at InsuranceDekho and seek help. The knowledgeable customer care executives will help you choose the most suitable policy as per your budget and other requirements.
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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.
