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