Can a 75 Year Old Get a Health Insurance? Check Benefits & Inclusions

People at older ages are more vulnerable to illnesses. However, what if your parent is in a medical emergency and you don’t have enough funds to provide them with the best care? Here’s when health insurance will become a financial cushion for you. 

Medical bills, treatment costs, room rent, and other expenses incurred during treatment can be a financial burden. So, it is crucial to purchase health insurance that will keep you financially protected during medical emergencies. There are no age restrictions for purchasing health insurance. Whether you’re 25 years old or 75 years old, anyone can invest in health insurance. However, you may have to pay a high premium if you purchase health insurance for your parents. Read on to find out a comprehensive guide to senior citizen health insurance plans. 

What is a Senior Citizen Health Insurance Plan? 

Senior citizen health insurance provides financial coverage for elderly people. The plan provides preventive care and cashless treatment facilities for the policyholder. The minimum age to buy health insurance for parents is 60, and there is no maximum limit. Therefore, even a 75-year-old individual can get health insurance and ensure financial protection during medical emergencies. 

Key Highlights of Senior Citizen Health Insurance Plan

Here’s an overview of the mediclaim policy for senior citizen health insurance plans. 

Benefits of Senior Citizen Health Insurance Plan

Senior citizen health insurance will ensure that your parents get high-quality treatment during medical emergencies. Besides this, some of the benefits of senior citizen health insurance plans are listed below. 

• Cashless Treatment: With a health insurance plan, the policyholders can get high-quality medical care without paying hefty medical bills from their own pocket. All you need to do is to locate and visit the network hospital of an insurance company. Furthermore, inform your insurer about hospitalization within 24 hours to ensure a smooth and seamless claim settlement. 
• Tax Benefits: Similar to other health insurance plans, a premium paid against a senior citizen's health insurance is tax-deductible under Section 80D of the Income Tax Act. 
• No Claim Bonus: Though premiums for senior citizen health insurance plans are high, you can save by keeping yourself healthy. Health insurance companies provide no claim bonus discount on premiums for not making any claims during a particular year. 
• Pre-Medical Screening: Many health insurance companies in India do not ask for pre-medical screening at the time of policy purchase. Therefore, the purchasing process becomes much quicker and more convenient for you. 

Inclusions and Exclusions of Senior Citizen Health Insurance Plan

Here’s a list of some things that are covered and not covered under a senior citizen health insurance plan. 

Inclusions 

• Specific pre-existing diseases after completion of a waiting period
• Ambulance charges and ICU expenses
• Pre- and post-hospitalization
• Daycare charges are incurred due to special medical treatments such as dialysis, chemotherapy, and others. 
• Surgeon's or doctor’s fee
• Free preventive healthcare checkups
• Ayurvedic treatment up to a certain limit of the sum assured

Exclusions

• Cosmetic surgeries
• Sexually transmitted diseases such as AIDS
• Maternity costs
• Dental treatments
• Pre-existing diseases that are not mentioned in the policy document
• Treatment is undertaken outside the country
• How To Buy Senior Citizen Health Insurance With InsuranceDekho? 

You can easily purchase health insurance for your parents while sitting at your home with InsuranceDekho. Here’s a process you need to follow: 

• Visit the official website of InsuranceDekho. 
• On the home page, click on the tab “health.”
• Enter your personal information, like gender, name, and mobile number. 
• A verification OTP will be sent to your number. Enter the OTP. 
• Answer some questions and click on the “View Quotes” button. 
• Add the family members, you want to cover under the policy. 
• Click on the “Continue” tab. 
• Enter the age of covered family members. D 
• Provide your email address and your city name. Click “Submit.”
• A list of the best senior citizen plans will be displayed on your screen. 
• Compare and choose the best plan that fits your needs. 
• Make a premium payment to complete the purchasing process. 

To Sum Up 

In conclusion, a 75-year-old can get health insurance to get financial coverage during medical emergencies. You can compare different health insurance plans offered by the best health insurance companies in India at InsuranceDekho. So, buy health insurance for your parents now and create a pool of funds for medical emergencies.

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Things To Know About Care Health Insurance