Health Insurance for Senior Citizens : Best Health Insurance Plans for Senior Citizens in India

Senior citizens require a health insurance plan given their deteriorating health, low income and high medical costs. Since life expectancy is increasing, senior citizen face a serious financial threat in case of recurring medical contingencies. That is why, a health insurance plan dedicated to cover such individuals is necessary. Insurance companies understand the need of a senior citizen health plan and are therefore offering attractive senior citizen plans.

With more than twenty insurance companies each offering a senior citizen health insurance plan, finding the best plan is a difficult choice. To make the choice easier, here is a list containing the best health insurance plans for senior citizens:

Name of the plan	Sum insured offered	Entry age criteria	Salient features
Bajaj Allianz Silver Health Plan	Rs.50, 000 to Rs.2 lakhs in multiples of Rs.50, 000. Rs.2 lakhs to Rs.5 lakhs in multiples of Rs.1 lakh	46 years to 70 years	Basic coverage features of inpatient hospitalisation, pre and post hospitalisation, ambulance costs and day care treatments A waiting period of only one year for pre-existing illnesses 10% increase in sum insured as no claim cumulative bonus
National Insurance’s Varishtha Mediclaim	Rs.1 lakhs and Rs.2 lakhs	60 years to 80 years	Option to avail premium discount or enhance the sum insured as no claim bonus Free health check-ups once in three policy years Diabetes and hypertension covered from the start at the payment of an additional premium Free inbuilt critical illness cover
Star Health Senior Citizens Red Carpet Plan	Rs.1 lakh to Rs.5 lakhs in multiples of Rs.1 lakh. Rs.7.5 lakhs and Rs.10 lakhs	60 years to 75 years	Policy is accepted without any pre-entrance medical heck-ups Outpatient expenses incurred on medical consultations are covered Low pre-existing waiting period of 1 year 5% premium discount for buying the policy online
Apollo Munich Optima Senior	Rs.2 lakhs, Rs.3 lakhs and Rs.5 lakhs	61 years and above	Free e-opinion in case of critical illness Cashless hospitalisation across more than 4000 hospitals 5% premium discount for not making any claim in a policy year Organ donor and domiciliary treatments are covered
Max Bupa Heartbeat Gold	Rs.5 lakhs, Rs.7.5 lakhs, Rs.10 lakhs, Rs.15 lakhs, Rs.20 lakhs, Rs.30 lakhs and Rs.50 lakhs	No entry age restrictions	AYUSH treatments are covered Inbuilt maternity and new born coverage 10% increase in sum insured as no claim bonus Daily cash allowance in case of hospitalisation exceeding 2 days Free annual health check-ups
Religare Care	Rs.3 lakhs, Rs.4 lakhs, Rs.5 lakhs, Rs.7 lakhs. Rs.10 lakhs to Rs.30 lakhs in multiples of Rs.5 lakhs. Rs.30 lakhs to Rs.60 lakhs in multiples of Rs.10 lakhs. Rs.75 lakhs, Rs.1 crore, Rs.2 crores, Rs.3 crores and Rs.6 crores	No entry age limits.	Daily allowance for hospitalisation Free annual health check-ups Second opinion in case of critical illness Automatic sum insured restoration

So, you can choose from any of these available plans for senior citizens.

Choose wisely!

FAQs on Health Insurance Plans for Senior Citizens

The Aditya Birla Active Care plan is a best-suited health insurance policy for senior citizens and elderly people. This policy comes in three variants–standard, classic and premier which covers 586-day care procedures

Star Health insurance for senior citizens is one of the most popular and affordable insurance policies for the elderly in India. In fact, this plan was one of the first launched in the country specifically for senior citizens. The entry limit for the plan is between 65 and 75 years of age.

Medicare is the best health insurance option for seniors and retirees. For those age 65 and older or who have a qualifying disability, the Medicare program will be the cheapest health insurance with the best benefits.

Author Bio

Paybima Team

Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

Choose from India’s top insurers

Other Health Insurance Products

Health Insurance Claims

COVID-19

Latest Post

Seventh Proviso to Section 139(1) of Income Tax Act – Know Applicability, Due Dates & Return Filing

Taxpayers should know more about Section 139(1) of the Income tax act since it is the section under which they have to file their returns if they have missed filing within the due date.

See now

Best Savings Plans for Girl Child to Ensure Financial Security

Have you ever caught yourself lost in illusions about your daughter's future events, such as her university convocation and first day at work? Her university convocation. When she embarks upon her initial job after graduation will be the day.

See now

How To Choose the Best Health Coverage Plan for Your Family

In a country where medical inflation is rising rapidly, securing a comprehensive health coverage plan for the entire family is no longer optional, it is essential. Selecting the right health insurance requires careful evaluation of multiple factors, not just premium costs. A well-chosen plan ensures financial security, access to quality healthcare, and peace of mind during medical emergencies.

See now

List of Best Term Insurance Companies in India 2025

Term insurance is an important investment. However, with the availability of so many insurers offering term plans, it becomes difficult to select the best term plan to suit your needs. Buying a term plan needs some consideration and research on the part of the policyholder. In this post, let us discuss the best term insurance providers in India.

See now

How Do Life Insurance Companies Invest Your Premiums?

When you sign up for a life insurance policy - whether it’s a traditional term insurance policy or a ULIP – you are not just buying peace of mind. You are also trusting the insurer with your money. So naturally, you would want to know: How is that money being managed? And more importantly, how is it being protected from risky decisions?

See now