Senior Citizen Health Insurance

A Senior Citizen Health Insurance policy is a type of health insurance that covers individuals above the age of 60 years. The plan is designed to reduce the financial and physical stress of senior citizens in the event of illness and hospitalization. This type of plan offers financial aid for medical treatments to the elderly persons and can be bought on an individual or family floater basis.

Why Should I Buy A Senior Citizen Insurance Plan?

Senior citizen health insurance plans come with many benefits for senior citizens. Some of them are stated below:

  1. In-patient hospitalization cover (including Room Rent And Medical Bills)
  2. Cashless hospitalization in all insurer partner Hospitals
  3. Ambulance expenses
  4. Nursing at home
  5. Life support equipment
  6. Cover for pre-existing diseases 
  7. Availability of a higher sum insured options 
  8. The fast and hassle-free claim settlement process
  9. Tax benefits under Section 80D of the Income Tax Act, 1961

How Many Members Can Be Covered Under the Senior Citizen Insurance Plan?

The number of members covered under a senior citizen health insurance plan varies as per the type of the plan as well as from insurance company to insurance company.

Some insurers may offer cover to Self and Spouse on an individual basis, whereas some may also include other family members (Self, Spouse, Father, Mother) on a family floater basis. The premium in the latter is based on the age of the eldest member of the family.

How To Buy the Best Senior Citizen Insurance Plan?

With a pool of senior citizen health insurance plans in the market, it can be tedious to shortlist the best one for yourself or your parents. To simplify the process, you can consider the following points before purchasing a senior citizen health insurance plan:

1. Entry Age

While shortlisting a senior citizen plan, go for the one that allows the maximum ages above 60 years.

2. Renewal Age

Check the maximum age until which the plan can be renewed. Choose a plan with maximum renewal age.

3. Coverage

Coverage is the essence of the plan. Do check if the plan covers all your requirements such as cover for pre-existing diseases, OPD treatment, critical illness cover. 

4. Sum Insured Options

Public insurance companies offer a higher range of sum insured options. A plan with a higher sum insured is preferred as it offers greater coverage. 

5. Premium

The premium of the plan is also one of the features to consider while buying a senior citizen's health insurance plan. Make sure the plan is worth the premium. 

6. Network Hospitals

Choose a plan with the maximum number of network hospitals, preferably in your locality

Insurance Dekho Contact Details

Reach us for help anytime

Health Companies User Reviews

  • Nice

    Good policy.

    On: July 02, 2020 | Views
  • Quality has no boundaries

    Family Health Optima is an excellent plan . 

    On: June 27, 2020 | Views
  • Nice policy

    I really liked the benefits of Arogya Sanjeevani Policy, Bharti Axa health insurance so I bought this plan online. It covers expenses for coronavirus ...

    Read More
    Gopi Nath
    On: June 24, 2020 | Views
  • Great services at InsuranceDekho

    InsuranceDekho offers great services and never disappoints me. I had purchased a critical illness plan from them earlier and I found the services grea...

    Read More
    Kiran Varma
    On: June 22, 2020 | Views
  • Easy to Understand

    The policy has standard features across all insurers and therefore it is easy to understand too. I got it from Go Digit as it is a trusted insurer and...

    Read More
    On: June 21, 2020 | Views
  • Affordable Plans

    This is an affordable health insurance policy that covers almost all basic healthcare expenses at an affordable premium. Also, premium payment is safe...

    Read More
    Gulshan Malhotra
    On: June 19, 2020 | Views
  • Nice Experience

    The policy covers me and my family for basic healthcare expenses. The best part is that the policy comes at an affordable price. I chose a sum insured...

    Read More
    Gauri Pradhan
    On: June 18, 2020 | Views
  • I liked this plan for my family

    I am 45 years old and recently ported my previous health insurance plan to Arogya Sanjeevani Policy, Bharti Axa considering its benefits. I am happy w...

    Read More
    Arjun Goyal
    On: June 18, 2020 | Views
  • Amazing plan

    ManipalCigna Arogya Sanjeevani Policy is a comprehensive policy that covers me and my entire family against many healthcare expenses. I bought the pol...

    Read More
    Gurdeep Singh
    On: June 18, 2020 | Views
  • Easy to buy online from InsuranceDekho

    I am happy to have chosen InsuranceDekho to fulfil my health insurance requirement. It was very easy to buy ManipalCigna Arogya Sanjeevani Policy from...

    Read More
    Mandeep Kaur
    On: June 18, 2020 | Views
  • Good claim settlement process

    I recently made a claim under my Max Bupa Arogya Sanjeevani Policy that I bought from InsuranceDekho. The process was smooth as butter and the request...

    Read More
    Drishti Sinha
    On: June 18, 2020 | Views
  • Got the plan at affordable price

    I bought this Arogya Sanjeevani plan of Royal Sundaram Insurance from InsuranceDekho platform at an economical price. Their executive elaborated all i...

    Read More
    Ramesh Sawant
    On: June 18, 2020 | Views
  • Complete coverage

    Star Health Arogya Sanjeevani Policy offers complete coverage to me and my family against hospitalisation expenses. I liked the plan coverage features...

    Read More
    Bhanu Pratap Singh
    On: June 18, 2020 | Views
  • Brilliant insurance solutions

    I was looking for a comprehensive plan for my family and got this Arogya Sanjeevani Policy through the instant quotes option of InsuranceDekho. It hel...

    Read More
    Rohan Mandal
    On: June 18, 2020 | Views
  • Cost-effective insurance plan

    The Arogya Sanjeevani is an economical and beneficial plan offered by the Future Generali. I wanted to buy a plan like this for a long time but my wai...

    Read More
    Neeraj Garg
    On: June 18, 2020 | Views
  • Adequate coverage

    The Arogya Sanjeevani Policy offered by United India holds a sufficient amount of coverage to cover my family. Apart from serving with different featu...

    Read More
    Kartik Singh
    On: June 18, 2020 | Views
  • A reliable choice

    The InsuranceDekho platform is quite a reliable choice for all the customers seeking insurance plans. It helped me get the best plan for me and my fam...

    Read More
    Aniket Verma
    On: June 18, 2020 | Views
  • Beneficial plan for families

    I bought this Arogya Sanjeevani Policy for my family from InsuranceDekho platform on the recommendation of their customer support staff. But now I am ...

    Read More
    Tushar Jain
    On: June 18, 2020 | Views
  • Good coverage under plan

    Arogya Sanjeevani policy by ICICI Lombard offers me the best coverage features. This include cover for pre-hospitalisation and post-hospitalisati...

    Read More
    Sayani Gupta
    On: June 18, 2020 | Views
  • Nice features

    The policy has nice features. I got all what I wanted like pre and post hospitalisation cover, cover for cataract expenses, road ambulance cover, in-p...

    Read More
    Sakshi Chawla
    On: June 17, 2020 | Views