COVID-19 Health Insurance For Senior Citizen

COVID-19 health insurance plans for senior citizens cover you the following healthcare expenses:

• In-Patient Hospitalisation Expenses: COVID-19 health insurance plans for senior citizens cover you for in-patient hospitalisation expenses. These are the expenses that incur due to hospitalisation of at least 24 hours. These expenses include room rent, nursing, boarding, blood, anesthesia, Doctor/Surgeon/Consultant fee, medicines, ICU/ICCU expenses, etc.
• Pre-Hospitalisation Expenses: COVID-19 health insurance plans for senior citizens cover you for expenses incurred for a fixed number of days before hospitalisation. The expenses include consultation fee of the doctor, medical tests, medicines, etc.

• Post-Hospitalisation Expenses: COVID-19 health insurance plans for senior citizens cover you for expenses incurred for a fixed number of days after hospitalisation. The expenses include medicines, medical tests, and doctor’s fee. Note that pre-hospitalisation and post-hospitalisation expenses should be related to the disease for which the hospitalisation has taken place.

• Daycare Hospitalisation Expenses: Daycare expenses are those that take less than 24 hours of hospitalisation. These include chemotherapy, dialysis, radiotherapy, cataract, tonsillectomy, etc. COVID-19 health insurance plans cover you for a limited number of such procedures.

• AYUSH Treatment: AYUSH health insurance covers medical treatments given under Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy systems of medicines. COVID-19 health insurance plans for senior citizens cover you for these treatments.
• Road Ambulance Expenses: COVID-19 health insurance plans cover you for road ambulance expenses arising due to transporting the patient from a place to the nearest hospital. There is often a limit on road ambulance expenses, which may vary from plan to plan. The details related to limits can be found in the policy document.

Exclusions Under COVID-19 Health Insurance Plans For Senior Citizen

COVID-19 health insurance plans for senior citizen do not cover you for the following healthcare expenses:

• Home Quarantine: COVID-19 health insurance plans for senior citizens do not cover you for expenses incurred due to staying in quarantine at your home.
• Non-Recognised Quarantine Center: Expenses incurred due to quarantine at non-recognised quarantine center are not included under COVID-19 health insurance policies for senior citizens.

• Pre-Existing Diseases: Expenses arising due to treatment of pre-existing diseases are not covered until the waiting period is completed under COVID-19 health insurance plans for senior citizens.
• Hospitalisation Without Doctor’s Recommendation: COVID-19 health insurance plans for senior citizens do not cover you for expenses arising due to hospitalisation without a qualified doctor’s recommendation.

COVID-19 Health Insurance Plans For Senior Citizen

The policyholders who are already covered under a health insurance policy before contracting COVID-19 are protected against treatment expenses related to the same. Apart from them, there are three COVID-19 health insurance plans for senior citizens that protect them against several healthcare expenses. These are:

• Corona Kavach Policy: Corona Kavach Policy is a standard health insurance policy that offers protection to senior citizens from expenses arising due to COVID-19. It is an affordable policy that allows entry for senior citizens for up to 65 years of age. It is a short term policy that offers individual and family coverage. You can avail several coverage benefits under the policy, some of which include hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, AYUSH treatments, etc. You can choose from a wide range of sum insured options between Rs. 50,000 and Rs. 5 Lakh in multiples of Rs. 50,000. The policy comes with a choice of tenure of 3 ½ months, 6 ½ months, and 9 ½ months.
• Corona Rakshak Policy: Corona Rakshak Policy is a fixed benefit health insurance that protects the insured against treatment expenses arising due to COVID-19. The policyholder, if covered under this policy, receives a lump sum amount in case they are tested positive for COVID-19 and require hospitalisation. Available for people aged between 18 years and 65 years, the policy covers senior citizens too on an individual basis. It comes with sum insured options of Rs. 50,000, Rs. 1 Lakh, Rs. 1.5 Lakh, Rs. 2 Lakh, and Rs. 2.5 Lakh. It is a short term policy that can be purchased for 3 ½ months, 6 ½ months, and 9 ½ months. In short, the policy saves your hard-earned money, offers added protection even if you have a regular insurance policy, and lowers your stress.
• Arogya Sanjeevani Policy: Arogya Sanjeevani Policy is another standard health insurance policy that offers cover against treatment expenses related to COVID-19 to the senior citizens. The maximum entry age for this policy is 65 years. You can buy the policy for sum insured options between Rs. 1 Lakh and Rs. 5 Lakh in multiples of Rs. 50,000. The policy offers cover for hospitalisation expenses, AYUSH treatment expenses, pre-hospitalisation expenses and post-hospitalisation expenses, and ambulance expenses. The policy offers cover for cataract expenses for up to 25% of the sum insured or Rs. 40,000 whichever is less. Apart from self, you can also add legally wedded spouses, dependent children, parents, and parents-in-law.

How To Buy COVID-19 Health Insurance Plans For Senior Citizens At InsuranceDekho?

InsuranceDekho offers a smooth, transparent, and quick process of buying COVID-19 health insurance plans for senior citizens. At the portal, you can buy health insurance plans within a few minutes by following the simple steps given below:

• Visit the website of InsuranceDekho. Then click on the health tab.
• Select your Gender. Then enter your Name and Mobile Number. You will receive an (One Time Password) OTP on the given number. Kindly enter the same.
• Tell us when you want to buy COVID-19 health insurance for senior citizens. Then click on ‘View Instant Quotes’ to proceed further.
• Select the members you want to add under your COVID-19 health insurance policy for senior citizens.
• Select the age of the members you want to add in your health insurance policy. Click on ‘Continue’.
• Select your Email ID and City in the next section. Then click on the ‘Submit and View Quotes’ button.
• There will be several quotes displayed on your screen. Choose the one that you want to buy as per your budget and other requirements.
• Select the policy term that you want to buy the policy for and pay the required premium via secured payment gateway.

In case you find any difficulty in buying COVID-19 health insurance plans for senior citizens online, then you can switch to offline mode as well. For this, you can call on the toll-free number of InsuranceDekho, i.e. 7551-196-989 and talk to the customer care executives. You can share your requirements with them and they will help you shortlist the most suitable policy for you.