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Health Insurance Plans for Senior Citizens

Cashless treatment and daily allowance

Tax benefits under section 80D

Domiciliary Hospitalization benefits

Wide network of hospitals

As we age, we become prone to more and more diseases and ailments which need immediate attention of a medical practitioner. However, when it comes to age-related health treatment, they are prolonged and very expensive. Thus, having a senior citizen health insurance plan is what every elderly person needs to keep them away from old-age health worries and the rising medical expenses.

Senior Citizen Health Insurance Plans

What are Senior Citizen Health Insurance Plans?

Health Insurance Plans for Senior Citizens refers to the plans which cover all kinds of costs incurred by senior citizens for different medical treatments. All citizens who are 60 years and above are regarded as senior citizens. It is well-known that the issue of deteriorating health worries people more when they age as compared to the young people. Also, with the increasing cost of medical treatment, it becomes a costly affair for the aged to tend to their ailments, especially after retirement.

The senior citizen health insurance policies are crafted in a way to serve the purpose of providing financial aid to people over 60 years so that their health care expenses could be taken care of. The health insurance policy for senior citizens offer coverage against critical illnesses, pre-existing diseases, cashless hospitalization etc. Further, the senior citizen insurance companies also offer a higher amount of sum assured so that maximum benefits in terms of coverage on medical costs can be received.

Top Senior Citizen Health Insurance Plans

Here is a list of some of the best health insurances for senior citizens in India:

Senior Citizens Health Insurance Age of Entry Insured Sum Pre-existing Disease Coverage Medical Check-up (before policy purchase)
Niva Bupa (Formerly known as Max Bupa) Heartbeat Plan 18 yrs and above

Gold Plan: Rupees 5 lakh to 50 lakh

Platinum Plan: Rupees 15 lakh to 1 crore

3rd & 5th year onwards as per plan Applicable
Bharti AXA Smart Health Insurance Plan (between)18 - 65 yrs

Basic Plan: Rupees 50,000 to 5 lakh

Premium Plan: Rupees 1 lakh to 5 lakh

OptimumPlan: Rupees 1 lakh to 5 lakh

5th year onwards Applicable (for 45+ people)
Aditya Birla Activ Care Plan (between) 50- 80 yrs

Standard Policy: Rupees 3 lakh to 10 lakh

Classic Policy: Rupees 3 lakh to 10 lakh

Premier Policy: Rupees 5 lakh to 25 lakh

3rd year onwards Applicable
Care Senior Health Plan 61 yrs and above Rupees 3 lakh to 10 lakh 5th year onwards NA
Tata AIG MediCare Plan 18 yrs and above Rupees 3 lakh to 20 lakh 4th year onwards Applicable (45+ people)
Digit HealthCare Plus Plan 18 yrs and above Up to rupees 3 Crore Depends on plan Applicable
Kotak Mahindra Health Care Plan (Between) 18 - 65 yrs

Excel Plan: Rupees 2 lakh to 4 lakh

Premium Plan: Rupees 5 lakh to 25 lakh

5th year onwards NA
IFFCO Tokio Individual Medishield Plan (Between) 18 - 65 yrs Rupees 50,000 to 50 lakh 4th year onwards Applicable (60+ people)

Key Features of Health Insurance Plans for Senior Citizens

Below are some key features of health insurance for senior citizens India:

  • Hospitalization Charges - senior citizen health plans cover hospitalization charges including bills of medicines, room rent and so on.
  • Cashless Hospitalization - best health insurance plans for senior citizens come with cashless hospitalization charges.
  • Day Care Costs - these plans cover the expenses of hospitalization when a patient requires day care procedures with less than 24hour hospitalization.
  • Ambulance Charges - health plans for senior citizens also cover ambulance charges.
  • Pre-existing Diseases - depending on the insurance provider and the health insurance plans for senior citizens, pre-existing diseases are covered as per policy terms and conditions.
  • Medical Examination - most insurance providers do not make medical tests mandatory for availing the senior citizens insurance plans, while some providers may ask for a test before buying a plan depending on the policy.
  • Sum Insured - the health insurance for senior citizens offers higher coverage of sum insured.
  • Hassle-Free - the best health insurance for senior citizens presents faster and hassle-free settlement of claims, thereby allowing peace of mind for the elderly.

Benefits of Senior Citizen Mediclaim Policy

  • Extensive health coverage for elderly - with health insurance plans for senior citizens, the elderly can meet the rising costs of medical treatment, and can stay away from the worries regarding their health after retirement.
  • Hospitalization costs -similar to regular insurance plans, the senior citizens health insurance compensates for over 70% of the hospital bill's of the elderly.
  • Cashless hospitalization - another benefit of the best health insurance policy for senior citizens is that the treatment can be done without cash as the hospital bills are paid directly by the insurance company.
  • Tax benefits - health insurance for senior citizens in India also protects against numerous seasonal illnesses such as dengue, malaria, and even covid-19.
  • Lifetime renewal - most of the senior health insurance policies are available with lifetime renewable option.
  • Cover seasonal illnesses - health insurance for senior citizens in India also protects against numerous seasonal illnesses such as dengue, malaria, and even covid-19.

Advantages of a Senior Citizen Health Insurance Plan

Here are the best advantages offered by top Senior Citizen Health Insurance Plans in India:

Insurer Name Plan Name Advantages
Bajaj Allianz Silver Health Plan
  • Cashless facility of treatment available.
  • Discount and bonus facility available
  • Easy policy renewal option.
  • Tax benefits available
  • Domiciliary Hospitalization cover
New India Assurance Senior Citizen Health Insurance Plan New India Assurance Senior Citizen Mediclaim Policy
  • Cashless facility of treatment available
  • Pre, post hospitalization costs
  • Pre-existing diseases cover (after 18 months of policy)
  • Ambulance Charges covered
  • Domiciliary Hospitalization cover.
Star Health Insurance Senior Citizen Health Insurance Plan Star Health Insurance Senior Citizen Red Carpet
  • Cashless facility of treatment available.
  • Cover in-patient hospital expenses.
  • Pre, post hospitalization costs.
  • No prior medical check-up required.
  • Members can avail free annual check-ups
Niva Bupa Senior Citizen Health Insurance Plan Niva Bupa (earlier Max Bupa) Max Bupa Senior First Plan
  • Covers up to date treatments.
  • In-patient hospitalization expenses.
  • Pre, post hospitalization costs.
  • Day care procedure expenses.
  • Expenses related to organ transplant.
Aditya Birla Senior Citizen Health Insurance Plan Aditya Birla Health Insurance Aditya Birla's Activ Care plan
  • In-patient hospitalization charges.
  • Pre, post costs of hospitalization.
  • Modern treatment coverage.
  • Day care procedure expenses.
  • Cashless hospitalization.
  • Domiciliary treatment.

Frequently Asked Question

Senior citizen health insurance is a type of health insurance policy that allows protection against medical costs incurred by senior citizens above the age of 60 years. These insurance plans cover for different health complications of the elderly and provide the facility of cashless hospitalization to them.

Here is a list of some of the best health insurance policies for senior citizens:

  • Aditya Birla Health Insurance for Senior Citizens
  • Bajaj Allianz Health Insurance for Senior Citizens
  • Care Health Insurance for Senior Citizens
  • Cholamandalam Health Insurance for Senior Citizens
  • Digit Health Insurance for Senior Citizens
  • Edelweiss Health Insurance for Senior Citizens

Best insurance policies for senior citizens with the lowest premiums:

  • Star Health Red Carpet
  • National Insurance Varistha Mediclaim
  • Oriental Insurance HOPE
  • Bajaj Allianz Silver Health
  • New India Assurance Health Insurance

Yes, there are some insurance companies who offer health insurance policies to senior citizens between the age group of 60 and 80 years and beyond. Some such plans are:

  • Senior Citizen Mediclaim by The New India Assurance
  • United India Senior Citizen Health Insurance Plan
  • Aditya Birla Activ Care Senior Citizen Health Insurance Plan

Yes, there are many good health insurance scheme, especially meant for the senior citizens in India, such as:

  • Aditya Birla Health Insurance for Senior Citizens
  • Bajaj Allianz Health Insurance for Senior Citizens
  • Care Health Insurance for Senior Citizens
  • Cholamandalam Health Insurance for Senior Citizens
  • Digit Health Insurance for Senior Citizens
  • Edelweiss Health Insurance for Senior Citizens

The Insurance Regulatory Development Authority of India (IRDAI) specifies that a person can get a health insurance up to 65 years of age. Moreover, there are some comprehensive health insurance policies for senior citizen between the age of 65 to 80 years.

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.

Yes, you can buy health insurance at the age of 60 and above. Most insurances do not provide any upper age limit to enter a policy. Some such plans are:

  • Aditya Birla Health Insurance for Senior Citizens
  • Bajaj Allianz Health Insurance for Senior Citizens
  • Care Health Insurance for Senior Citizens
  • Cholamandalam Health Insurance for Senior Citizens
  • Digit Health Insurance for Senior Citizens
  • Edelweiss Health Insurance for Senior Citizens

A floater health insurance is a plan custom-made for families and they extend cover to all the members of a family under the plan. These plans serve as an umbrella of coverage for the entire family.

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.