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Exposing the Best Health Insurance Plans in India For Senior Citizen

Updated On Aug 10, 2022

Old age is often touted as the golden years of one’s life. However, during this phase of life, one also experiences an increased number of medical issues. Thus, in addition to protecting one's wellness while coping with old-age health difficulties, a special insurance policy for older people is required. This is where especially-curated Senior Citizen Health Insurance Plans come in handy.

Best Health Insurance Plans in India for Senior Citizens

Here is a list of the best health insurance plans for seniors which will help them in their old age. Every plan has different terms and policies which you should check.

  • Aditya Birla Activ Care Senior Citizen Health Insurance

Aditya Birla has introduced this healthcare insurance plan to cover older persons. Buying an insurance policy for older folks might be challenging due to the numerous restrictions. Seniors between 60 to 80 are eligible for this coverage.

  • Care Senior Health Insurance Plan

This Health insurance policy is an all-inclusive health insurance policy that protects people against significant medical costs as they enter their older age. One can utilize cashless hospitalization without stressing about the expense of the treatment, thanks to the 15,500+ network facilities. Not only this, but the plan also includes several extras, like a co-payment exemption and a special no-claims bonus, etc.

  • Chola Individual Healthline Insurance Plan

You are qualified for the Chola Individual Healthline Insurance policy the moment you turn 65. This plan offers the possibility of lifetime renewal. This policy is available in 3 different forms: Standard, Superior and Advanced.

  • Oriental Insurance (HOPE) Senior Citizens policy

The target market for this policy is seniors older than 60 years. For hospitalization costs incurred as a result of disease or an injury, this policy provides a cashless benefit or refund.

Only particular disorders are covered by this coverage. This plan covers before-hospitalization expenditures for up to 30 days and post-hospitalization costs for up to 60 days.

  • LIC Health Insurance for Senior Citizens

This plan is non-participating health insurance that caters to older folks' medical requirements. It is set to benefit insurance that, regardless of the initial expenditure you confront, provides a single payment benefit if the insured costs are incurred. As a result, the policy provides you with a lump sum of money to pay your medical expenses.

  • Varishtha Mediclaim Policy for Senior Citizens

For hospitalization costs incurred as a result of disease or an injury, this policy covers a cashless benefit or refund. The target market for this policy is seniors over 60.

Section 1 of this plan contains an amount covered of Rs. 1 lakh. Rs. 2 lakh sum is covered by insurance under Section-II. The section-II insurance covers eight essential diseases.

Any elderly person between the ages of 60 and 80 can purchase this coverage. If the plan is extended after one year, pre existing conditions will be insured after 1 year from the policy's start date.


Senior citizens' health insurance has become a necessary component of society because of the rising uncertainty around illnesses that affect the human body. Several businesses provide these plans, but each plan has different terms. Therefore, it is crucial to carefully read every provision of the plan according to each individual's needs.

Also Read: 

When Is The Right Time To Purchase Health Insurance Plans

Ways To Renew Health Insurance Plans


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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