Senior Citizen Health Insurance

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Who Do You Want to Insure?
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Senior citizen health insurance covers medical expenses and healthcare needs of individuals who are 60 years and above.

The right health insurance plan for seniors can help them get quality healthcare and ease their financial burden by covering various medical costs like hospital stays, doctor visits, tests, and medicines.

Highlights of Health Insurance
for Senior Citizens

Cashless treatment and daily allowance
Tax benefit under Section 80D
Domiciliary hospitalisation benefits
Wide network of hospitals
Plans based on medical needs

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If you have any questions related to how to choose the best insurance company, you can connect with our IRDAI certified insurance advisors.

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Health Insurance for Senior Citizens

Everything You Want to Know

Benefits of Health Insurance for Senior Citizens

Extensive coverage

Comprehensive coverage for various health needs, ensuring they are protected from high medical costs after retirement.

Lifetime renewal

Plans that offer the option of lifetime renewal, providing continuous coverage even as they age.

Hospitalisation costs

Plans that cover a significant portion of hospital bills, reducing the financial burden on seniors.

Cashless hospitalisation

In network hospitals to ensure accessible and hassle-free treatment.

Tax benefits

On premium paid under section 80D of the IT Act.

No-claim bonus

Plans that offer a bonus by increasing the sum insured for each claim-free year during renewal.

Seasonal illnesses cover

Plans that include illnesses such as dengue, malaria, and even COVID-19.

Simple Steps and Assistance for Buying an Senior Health Insurance Plan

At Paybima, buying an insurance plan is easy and you can opt for an advisor’s help anytime.

Simple and
Easy-to-follow Steps
Comparison of Top
Plans for Free
Help from Certified
Advisors Anytime
Honest Advise.
No Force Selling

Key Features of Health Insurance for Senior Citizens

Daycare costs

Plans that cover treatments and procedures under 24 hours.

Ambulance charges

Plans that cover patient transportation.

Pre-existing diseases

Plans that cover previous illnesses as per the terms and conditions of the insurance plan.

Higher-sum insured

Plans that offer higher sum insured coverage.

Health Insurance Policy for Coronavirus (COVID-19)

When you buy Senior Citizen health insurance, it may also cover the costs incurred in the treatment of Covid-19 if the insured person is diagnosed positive for the virus. The plan will cover your hospitalisation expenses if you are admitted because of coronavirus.

Health Insurance for Senior Citizens – Inclusions

What’s covered in health insurance plans for senior citizens?

Hospitalisation expenses

Covers room charges, doctor fees, nursing fees, medicines, ICU charges, surgical appliances, operation theatre charges, optical and orthopedic implants, and diagnostic tests.

Daycare treatments

Includes treatments like chemotherapy and dialysis that require less than 24 hours of hospitalisation.

Pre- and post-hospitalisation expenses

Covers relevant medical expenses before and after discharge.

COVID-19 cover

Provides coverage for COVID-19 treatment expenses up to a specified limit.

Organ donor expenses

Covers expenses during organ transplants.

Ambulance charges

Includes hospital transportation charges up to the specified limit.

Pre-existing diseases

Plans that cover previous illnesses after a specific waiting period.

AYUSH expenses

Plans that cover AYUSH treatments received at government-recognised hospitals.

Domiciliary hospitalisation cover

Covers expenses for home treatment if recommended by a doctor under certain conditions.

Got Existing Illness?

Select the appropriate plan that covers more than 50* existing illness

*The number of illness covered values for different insurance companies.

View Plans

Health Insurance for Senior Citizens – Exclusions

What is not covered in health insurance for senior citizens

Self-inflicted harm

Plans that do not cover expenses from self-inflicted injuries or attempted suicide.

Substance abuse:

Treatment for drug, alcohol, or intoxicant abuse is excluded.

Ailments within 30 days

Not covered, except accidental injuries, if diagnosed within 30 days of plan purchase.

Cosmetic surgery

Plans that do not cover costs for cosmetic procedures.

Dental treatments

Plans that do not cover preventive or cosmetic dental care, unless arising from an accident.

Treatment of AIDS

Plans that do not cover treatment costs for HIV/AIDS.

How to Select the Best Health Insurance for Senior Citizens

Selecting the right health insurance for seniors in India is extremely crucial. It not only helps them manage rising medical costs but also offers peace of mind for future health needs. Consider these factors when choosing the best plan for seniors aged 60 and above.

Comprehensive coverage

Look for a specific senior citizen policy that covers various medical conditions and does not have added costs.


Select a plan within your budget; add-ons can be chosen later.

Lifetime renewability

Opt for policies with lifetime renewability for continuous benefits.

Cashless hospital network

Ensure your plan includes a wide network of hospitals for cashless treatment.

Coverage amount

Verify the sum insured to cover medical expenses adequately.

Pre-existing conditions waiting period

Check waiting periods for immediate treatment needs.

Add-on benefits

Confirm availability of add-ons before choosing a plan.


Be aware of disease-specific or room-rent sub-limits.

Medical examination

Pre-screening is usually optional, but some insurers may require a test.

Choose the Health Cover As Per Your Need

Factors Affecting the Premium of Health Insurance for Senior Citizens

When an insurance provider calculates their premium, many factors are taken into consideration, including age, pre-existing diseases, the profession of the insured, and more. Here are some key points to be kept in mind.


Starting early lowers premiums due to lower disease risks.

Health history

Healthy individuals pay less than those with health issues.

Policy duration

Long-term policies have lower premiums.

Payment frequency

Annual payments often get discounts as compared to monthly payments.

Base plan choice

Opt for a plan that meets your needs without extra riders.

Avoid harmful habits

Smoking, drinking, and chewing tobacco can raise premiums.


Premiums vary based on the geographic location – metro, tier 1 or 2 or climate, and other medical and healthcare facilities.

Starting plan for 55 years old
₹ 2,000/ mo

*The starting price is Indicative and may vary. Pricing and eligibility depends on the profile. Standard T&C apply.

Health Insurance - Premium Calculator

How to Buy a Health Insurance for Senior Citizens at Mahindra Paybima

Buying a health insurance policy online is very simple. You can follow these steps to buy a health insurance policy online at Mahindra Paybima.

Share personal details

Provide personal and health information to begin the policy procedure.

Browse plans

Analyse the plans, compare quotes, features, network hospitals, waiting period and other details.

Compare shortlisted policies

After shortlisting 2-3 policies as per your requirements, review them together by clicking the ‘compare product’ box.

Add riders

Select the appropriate riders or add-ons for extra cover.

Complete proposal form

Enter required details for e-KYC.

Make payment

Pay online using credit/debit cards, UPI, wallets, or net banking.

Document upload

Upload the required documents.

Get the policy

Post insurer’s approval, the policy is sent on the registered email id.

How to Compare Health Insurance for Senior Citizens

Here are some of the factors you should consider while comparing health insurance policies.

Start Early for a Lower Premium  

Your Age
Cover Amount
View Plans
Plans Starting @
₹197 / month*
View Plans

*The starting price is Indicative and may vary. Pricing and eligibility depends on the profile. Standard T&C apply.

Benefits of Comparing Health Insurance for Senior Citizens

It is important to compare the best health insurance for senior citizens in India, and here are some of the reasons why:

Get the best rate as per your requirements

Clearly understand the policy features and benefits

Maximize coverage amount

Avail wellness and discount opportunities

Guaranteed Claim Support

When you buy an Senior Citizen health plan from us, we guide at every step till your claim is settled.

Start your claim process with us to get our support

Do You Have any Insurance Related Concerns?

Our IRDAI Certified insurance advisor is a click away.

Get in Touch with an Advisor

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Ask Anything as We Have Answers to Everything in Insurance

Buy health insurance not only for parents but for in-laws is possible. Just be aware of their pre-existing conditions, if any, for the policy proposal purpose.

There are many health insurance companies that offer medical insurance policies with entry age between 60 to 65 with no upper age limit. As there is no upper age limit, any individual above the age of 61 can purchase such health insurance policies.

Health treatment costs are increasing day by day. As we age, so are our costs of health care. Thus, it is important for everyone, especially senior citizens to have health insurance coverage so that they can cover the expenses of their medical costs without having to pay from their hard-earned savings.