Health Insurance Plans for Senior Citizens

Older people are more prone to certain diseases and health conditions as compared to younger people. The treatment of old age-related health problems is not only expensive but also long-term. But if you buy a senior citizen health insurance plan, you don’t have to worry about paying for the medical expenses arising out of health problems in your old age.

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      What is Senior Citizen Health Insurance?

      Senior Citizen Health Insurance is a type of health insurance plan that covers medical expenses incurred by people above 60 years old. It offers preventive health check-up facilities to the elderly and cashless hospitalization at network hospitals of the insurance company. It covers pre-existing diseases, hospitalization expenses, critical illness, and pre and post hospitalization expenses and coronavirus treatment.

      ₹1000 Cr worth of claims assisted in 2022-2023
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      Senior Citizen Health Insurance Plans at a Glance

      The following table shows the characteristics of most senior citizen health insurance plans that are available to buy on Policybazaar.com:

      Categories Specifications
      Minimum Entry Age 60 years and above
      Maximum Entry Age No age limit
      Cashless Claims Available at network hospitals
      Preventive Health Check-ups Available
      Renewability Lifetime
      Long Term Policy Benefit Up to 12.5% savings on a 2-year plan
      Tax Benefits Up to Rs 75,000 in a financial year (Under section 80D of the IT Act)

      Benefits of Senior Citizen Mediclaim Policy

      A senior citizen mediclaim policy offers a variety of benefits to elderly people.  Below are some of the primary benefits of buying a senior citizen mediclaim policy in India:

      • Medical Coverage to Elderly People- People above the age of 60 years get health cover under senior citizen health insurance plans as regular family health insurance plans mostly provide coverage to people up to 65 years of age.
      • Pre-medical Screening- Most healthplans do not require elderly people to undergo any medical screening before buying the policy, unlike regular plans.
      • Hospitalization Expense Cover- These plans cover senior citizens against a range of medical expenses, including pre-hospitalization, post-hospitalization, and in-patient hospitalization expenses.
      • Cashless Treatment- Senior citizens can avail the cashless medical treatment at networkhospitals of the insurance company, provided they get admitted for a minimum of 24 hours.
      • NoClaim Bonus- It provides a No Claim Bonus to the senior citizens that allows them to avail a discount on renewal premium for every claim-free year. It can range from 20% to 100% in some plans.
      • Lifetime Renewability –Most health plans for senior citizens come with a lifetime renewability option.
      • Tax-Benefits- Senior citizen health insurance policy offers tax exemption benefits every financial year on the paid premium undersection 80D of the IT Act.
      Read More

      Health Insurance Plans for Senior Citizens

      The following table shows the various senior citizens health insurance plans that you can buy online:

      Senior Citizens Health Insurance Plans Entry Age Sum Insured (Rs) Pre-existing Disease Coverage Co-Payment Pre-Policy Medical Check-up
      Aditya Birla Activ Care Plan 55-80 years Standard: 3 lakh to 10 lakh
      Classic: 3 lakh to 10 lakh
      Premier: 5 lakh to 25 lakh
      From the 3rd year 10% under the Premier plan
      20% under Standard and Classic plans
      Required
      Bajaj Allianz Silver Health Plan 46-80 years Plan A: 50,000 to 5 lakh
      Plan B: 3 lakh to 10 lakh
      From the 2nd year 10% on all claims under Plan B
      20% on all treatments in a non-network hospital under Plan A
      Required
      Care Senior Health Advantage Plan Elite: 45 years onwards
      Premium: 60 years onwards
      1 lakh to 3 crore From the 2nd year No co-pay Required for people above 50 years
      Cholamandalam Flexi Health Supreme Plan 18-75 years Basic: 5 lakh to 25 lakh
      Plus: 5 lakh to 25 lakh
      Premiere: 30 lakh to 5 crore
      From 3rd/4th year (depending on the plan variant) NA Required
      Digit Health Insurance Plan 18 years onwards 2 lakh to 3 crore From 2nd/4th year (depending on the plan variant) 10% if treatment is taken at a higher zone category May be required
      Future Generali Varishta Bima 60 years onwards 2 lakh, 3 lakh, 4 lakh, 5 lakh, 7.5 lakh and 10 lakh From the 2nd year 50% on PED claims
      25% on all non-PED claims
      Required for sum insured of Rs 7.5 lakh & Rs 10 lakh
      HDFC ERGO Optima Senior Plan 61 years onwards 2 lakh, 3 lakh, 5 lakh From the 4th year 15% on shared accommodation claims
      30% on single occupancy claims
      Required
      IFFCO Tokio Individual Health Protector Plan 18-65 years 50,000 to 20 lakh From the 4th year No co-pay Required for people above 45 years
      Kotak Mahindra Health Premier Plan 18-65 years Standard: 2 lakh
      Advantage: 3 lakh to 10 lakh
      Edge: 5 lakh to 20 lakh
      Elite: 10 lakh to 25 lakh
      Absolute: 25 lakh to 2 crore
      360: 2 lakh to 2 crore
      Total: 2 lakh to 2 crore
      From the 4th/5th year (depending on the plan variant) 10% or 20% for treatment in a higher zone (depending on the zone) Required 
      Liberty HealthPrime Connect Plan 18-65 years Essential: 10 lakh to 50 lakh
      Optimum: 10 lakh to 50 lakh
      Optimum Plus: 75 lakh, 1 crore
      From the 4th/ 5th year (depending on the plan variant) No co-pay Required
      Magma HDI OneHealth Senior Plan 56-75 years Gold: 3 lakh to 25 lakh
      Platinum: 3 lakh to 25 lakh
      From the 2nd year 30% on all non-accidental claims May be required
      ManipalCigna Prime Senior Plan 56-75 years Classic: 3 lakh to 50 lakh
      Elite: 5 lakh to 50 lakh
      From the 3rd year 20% Not required
      National Senior Citizen Mediclaim Plan 60-80 years Plan A: 1 lakh to 10 lakh
      Plan B: 1 lakh to 10 lakh
      From the 3rd year No co-pay Required
      New India Sixty Plus Mediclaim Plan 60-80 years 2 lakh, 3 lakh and 5 lakh From the 5th year 10% Required
      Niva Bupa (Formerly known as Max Bupa) Senior First Plan 61-75 years Gold: 5 lakh, 10 lakh
      Platinum: 5 lakh to 25 lakh
      From the 3rd year 50% on all claims
      60% if a higher room category is taken
      Not required
      Oriental HOPE Insurance Plan 60 years onwards 1 lakh to 5 lakh From the 3rd year 20% Required
      Raheja QuBE Health Insurance Plan 18-65 years Basic: 1 lakh to 50 lakh
      Comprehensive: 3 lakh to 50 lakh
      Super Saver: 1 lakh to 50 lakh
      Ala Carte: 1 lakh to 50 lakh
      From the 5th year 20% for people above 60 years (except under the Super Saver plan) Required for people above 55 years and/or sum insured of Rs 10 lakh & above
      Reliance Health Gain Plan 18-65 years
      (No age limit for sum insured of Rs 3 lakh)
      Plus: 3 lakh, 5 lakh
      Power: 10 lakh to 20 lakh
      Prime: 25 lakh to 1 crore
      From the 4th year 20% for people above 60 years Required for people above 50 years
      Royal Sundaram Lifeline Health Insurance Plan 18 years onwards Classic: 2 lakh to 4 lakh
      Supreme: 5 lakh to 1 crore
      Elite: 25 lakh to 1.5 crore
      From the 3rd/ 4th/ 5th year (depending on the plan variant) 20% on all claims of international treatment for critical illness NA
      SBI Super Health Insurance Plan 18 years onwards Elite: 3 lakh to 25 lakh
      Premier: 3 lakh to 10 lakh
      Platinum: 10 lakh to 50 lakh
      Platinum Infinite: 50 lakh to 2 crore
      From the 3rd year 20% on all OPD professional fee claims
      30% on all OPD diagnostic & pharmacy claims
      50% on OPD Dental/Vision cover
      Required
      Star Senior Citizen Red Carpet Health Insurance Plan 60-75 years 1 lakh to 25 lakh From the 2nd year 30% Not required
      Tata AIG ElderCare Plan 61-85 years 5 lakh to 25 lakh From the 3rd year 20% Required
      United India Individual Health Insurance – Senior Citizen Plan 61-65 years 2 lakh, 3 lakh and 5 lakh From the 5th year No co-pay May be required
      Universal Sompo Senior Citizen Health Insurance Plan 60-70 years 1 lakh to 5 lakh From the 3rd year 10% on all hospitalization claims
      15% on day care claims
      20% on PED claims
      Required
      Zuno (Formerly Edelweiss) Health Insurance Plan 18-65 years
      (No age limit for the Platinum plan)
      Silver: 1 lakh to 5 lakh
      Gold: 5 lakh to 20 lakh
      Platinum: 15 lakh to 1 crore
      From the 3rd/ 4th/ 5th year (depending on the plan variant) 20% for people above 60 years Required for people above 50 years
      See More Plans

      *Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.  

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      Why Do You Need Health Insurance Plans for Senior Citizens?

      Senior citizens need to have health insurance coverage as they can face severe health issues due to their increasing age.  An emergency hospitalization of your parents can be both emotionally and financially distressing. Health insurance for parents can help you to manage the financial implications of hospitalization. Some of the other prominent reasons why you need to buy a senior citizen health insurance plan are given below:

      • Meet the Rising Healthcare Costs- With medical treatment and hospitalization costs getting costly due to medical inflation, buying a senior citizen health insurance policy becomes imperative for elderly people to avail the best healthcare services.
      • Critical Illness Cover- With old age,the possibility of being diagnosed with critical illnesses like heart ailments, kidney problems, cancer, etc. becomes higher. With a senior citizen health insurance policy, you can also get coverage for critical illnesses in your basic plan or as an add-on cover.
      • Annual Health Check-up Facilities- Senior citizens can avail free health check-ups on a yearly basis under most senior citizen health plans. As they need to undergo medical screening on a regular basis, this facility can help minimize out-of-pocket expenses. However, some plans may offer this facility after every two or three claim-free years.
      • Peace of Mind- Paying off hospital bills can be distressing for elderly people, especially with an increase in treatment costs for both minor and major illnesses. A health insurance policy can bring peace of mind to senior citizens in such situations.
      Read More

      What is Covered in a Health Insurance Plan for Senior Citizens?

      Some of the common coverage provided under senior citizen health insurance plans are given below:

      • HospitalizationExpenses: Hospitalization expenses, including room charges, doctor fees, nursing fees, cost of medicine and drugs, ICU charges, cost of surgical appliances, and operation theatre charges are covered under this plan. It also covers the cost of artificial limbs, orthopedic implants, prosthetic devices, diagnostic tests,  required during the hospitalization of the senior citizen.
      • Day Care Treatments- Specific daycare treatments that require less than 24 hours of hospitalization,like chemotherapy, dialysis, etc. are covered under most plans.
      • Pre and Post-hospitalization Expenses- Medical costs before getting hospitalized and after getting discharged are also included under a senior citizen mediclaim policy.
      • COVID-19 Cover- The policy also pays for the cost of coronavirus treatment up to the specified limit.
      • Organ Donor Expenses- Most mediclaim policies cover the donor expenses incurred during organ transplants. 
      • Ambulance Charges- It covers ambulance charges incurred on transporting the insured to the nearest hospital up to the specified limit.
      • Pre-existing Diseases- Any pre-existing diseases of the insured senior citizen are also covered after a fixed waiting period.
      • AYUSHTreatment Cost- AYUSH treatment taken in a government-recognized hospital or institute is also covered under some senior citizen mediclaim policies.
      • Domiciliary Hospitalization Cover- If the doctor suggests home treatment for the elderly person, then his/her insurance company will pay for domiciliary hospitalization expenses as well.
      Read More


      What is Not Covered in a Health Insurance Plan for Senior Citizens?

      Below is a list of medical expenses that are not covered under a senior citizen health insurance plan:

      • Pre-existing diseases or injuries
      • Expenses arising out of self-inflicted injuries or suicide
      • Expenses arising from drug or alcohol abuse and related treatment
      • Medical conditions diagnosed within 30 days of purchasing the policy (except for accidental injuries)
      • Expenses related to non-allopathic treatment
      • The treatment cost of injuries caused due to an act of foreign army or a civil war.
      • Cosmetic surgery
      • The cost of dental treatment or lenses/spectacles unless arising from an accident.
      • Treatment cost of AIDS

      Please note that the list of exclusions varies from one plan to another.

      Read More

      Things to Consider While Buying a Mediclaim Policy for Senior Citizens

      A senior citizen mediclaim policy offers health insurance coverage to elderly people who are vulnerable to serious illnesses that may require expensive treatment. You can easily buy a health insurance plan for senior citizens online from Policybazaar.com. Take a look at the things that should be considered while buying a mediclaim policy for senior citizens:

      1. Day Care Treatments

      With the advancement in medical technology, a lot of treatments and surgeries can be done through day care procedures. But under a regular health insurance policy, a senior citizen must be hospitalized for at least 24 hours to raise a claim. Therefore, it is better to choose a senior citizen plan that covers a lot of day care procedures like dialysis, chemotherapy, radiotherapy, etc.

      2. Cashless Hospitals

      Every health insurance company has a broad network of hospitals where you can avail cashless hospitalization facilities. You must check the list of network hospitals of your insurance company before buying a plan. This will help you to know if a good hospital in your locality falls under the list. You can check the network hospitals list by different insurance companies and buy the best senior citizen health insurance policy online at Policybazaar.com.

      3. Efficacy of Health Insurance Claims

      Claim settlement ratio and claim settlement time taken by the insurance company should also be taken into consideration while buying a senior citizen health policy. If an insurance company’s claim settlement time is less and the claim settlement ratio is high, it means that the chances of your claim getting settled quickly are more.

      4. No Claim Bonus

      Almost all insurance companies provide a no claim bonus discount if no claims are lodged by the policyholder in the previous year. In such a case, either the policy premium decreases or the sum insured amount increases.

      5. Free Medical Health Check-up Facility

      The best health insurance plans for senior citizens allow the policyholders to avail medical check-up for free on an annual basis. This usually is offered after the completion of certain policy years or after every two/three claim-free years.

      6. Co-payment

      Several senior citizen health plans come with a co-payment clause in which a part of the claim amount has to be paid by the policyholder. Only the remaining portion of the claim amount is paid by the insurance company. Hence, you must opt for a plan with low to zero co-payment.

      7. Policy Renewability

      Always look for a best health insurance plan that offers a lifetime renewability option so that you won’t have to buy another health plan in your old age. A policy that ceases to renew, especially after 60 years, is not the right plan for a senior citizen.

      8. Pre-existing Diseases Waiting Period

      Elderly people are more likely to have pre-existing diseases whose treatment can exhaust all your savings. Therefore, you should opt for a senior citizen health insurance plan that comes with a minimum waiting period for pre-existing diseases.

      9. Domiciliary Hospitalization

      There can be situations where an elderly person’s health condition may not allow him/her to get admitted to a hospital. In such a case, health plans with domiciliary hospitalization cover will pay for home treatment expenses as long as it has been advised by a qualified doctor.

      Read More

      Claim Settlement Process for Senior Citizen Health Insurance

      Senior Citizen Health Insurance plans require policyholders to file a health insurance claim if they get hospitalized or avail an emergency medical treatment. A claim can be raised either to avail cashless treatment at a network hospital or get reimbursement of expenses incurred at a non-network hospital. The process to file a reimbursement and cashless claim are given below:

      1. Senior Citizen Health Insurance Reimbursement Claim Procedure:

      The following steps are involved in lodging a reimbursement claim under a senior citizen health insurance plan:

      • In case of hospitalization, immediately notify the insurance company
      • Collect all the medical documents during hospital discharge
      • Fill up and sign the claim form
      • Submit the claim form to the TPA or the insurer along with all the required documents like doctor’s prescriptions, pathological reports, chemist bills, certificate of hospital admission and discharge,
      • The claim is settled by the claims team after careful review and the claim amount is reimbursed.

      2. Senior Citizen Health Insurance Cashless Claim Process:

      If you avail medical treatment at a network hospital, then you can file for a cashless claim under a senior citizen health policy. Take a look at the steps listed below:

      • Get hospitalized at a network hospital of the insurance provider
      • Fill out the pre-authorization form available at the hospital and give it to the hospital authorities
      • The hospital will send the thepre-authorization request to the TPA that needs to be approved by the insurance company or the claims team to initiate cashless hospitalization of the insured elderly person.
      • Obtain the treatment after approval and get discharged
      • The insurance company will settle the claim with the hospital directly.
      Read More


      Tax Benefits of Senior Citizen Health Insurance

      A senior citizen health policy not only provides assurance to cover medical expenses but also allows you to avail tax exemption under section 80D of the Income Tax Act, 1961. You are eligible for an income tax rebate of up to Rs 50,000 if you hold a mediclaim policy for senior citizens for your elderly parents.

      You can also avail an additional tax rebate of Rs 5,000 on payments made towards preventive health check-ups every financial year. Moreover, you can also get a rebate of up to Rs 1 lakh if the senior citizen undertakes a critical disease treatment.

      If you are a senior citizen who is still earning and also paying the health insurance premium on behalf of your son or daughter, then you can avail an additional income tax rebate of Rs 25,000. This means that you can avail tax deduction of up to Rs 75,000 in a financial year under section 80D.

      Benefits of Buying Senior Citizen Health Insurance from Policybazaar

      Policybazaar Insurance Broker Private Limited offers multiple benefits to the policyholder on buying a senior citizen health insurance policy. Take a look at them below:

      • Online Comparison- Policybazaar.com helps you to make an unbiased online comparison of various senior citizen health insurance policies available in the market so that you find the most suitable policy as per your health needs.
      • Senior Citizen Health Insurance Calculator- They offer the facility of a health insurance calculator that allows you to check the premium for different policies before making the actual purchase.
      • Savings on Premium- Policybazaar.com offers up to 12.5% savings on your premium if you opt for a 2-year policy tenure while buying your senior citizen health policy. Thus, you end up saving a lot of money.
      • Expert Advice- A qualified team of experts are available to answer your queries and help you to buy the best senior citizen health insurance policy.
      • Instant Policy Purchase- They help you to save a lot of time as you can purchase an insurance policy on Policybazaar.com in less than two minutes.
      • Claim Assistance– It also offers claim assistance after you have purchased the policy.
      Read More

      Senior Citizen Health Insurance FAQ’s

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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
      Average Rating
      (Based on 385 Reviews)

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      Senior Citizen Health Insurance Reviews & Ratings
      4.5 / 5 (Based on 385 Reviews)
      (Showing Newest 10 reviews)
      Dinesh
      Delhi, December 20, 2021
      Cashless treatment
      With the help of senior citizen health insurance my mother got cashless treatment. She has a minor heart problem, and I did not have to bear the burden of treatment expenses as I have taken Senior Citizen Health Insurance through policy bazaar.
      Mukul
      Jaipur, December 20, 2021
      Easy to compare
      I was searching for senior citizen health insurance for my father and i landed to the website of policy bazaar. I have checked and compared several plans then I have found one as per my requirements and budget.
      Prashant
      Aligarh, December 20, 2021
      Trustworthy website
      I rarely trust on any website.I had to take Senior citizen health insurance for my parents. One of my relative recommended me to go on policy Bazaar. I had wonderful experience with policy bazaar as they gave me full support. Indeed policy bazaar is very trustworthy.
      Jitendra
      Agra, December 20, 2021
      Budget friendly
      I wanted to buy senior citizen health insurance for my family but i am from middle class so i was looking for health plan as a middle class and finally after searching i got my senior citizen health insurance plan in my budget.
      Swapan
      Kota, October 26, 2021
      Easy Reimbursement
      I got reimbursement in hospital bills. I bought senior citizen health insurance for my mother from Policybazaar and a month back she faced some medical problems. I connected with policybazaar for reimbursement and i got it without any hassle.
      Onkar
      Vijayawada, October 26, 2021
      Easy Reimbursement
      My experience with Policybazaar has been great. I had taken senior citizen health insurance for my mother from Policybazaar. Last month, she was admitted to the hospital due to a medical emergency. When she got discharged I connected with Policybazaar for reimbursement of hospital bills and I got it immediately
      Paramjit
      Jodhpur, October 26, 2021
      No claim bonus
      Policybazaar is totally worthy place to buy any kind of plan. I have been using senior citizen health insurance for a long time which i had take for my parents. I never raised the claim request so i got discount on the premium rate when i was renewing the plan.
      Kartik
      Madurai, October 26, 2021
      Add on cover
      I am using senior citizen health insurance since last year which i had taken from the policybazaar and recently i have customized my health plan with add on cover and added some additional features to it which i got at an affordable rate.
      Karun
      Raipur, October 26, 2021
      Low premium
      I have taken senior citizen health insurance for my parents. It has Coverage against medical expenses. Pre hospitalization, post hospitalization expenses features are covered under the plan. It has low premium rate and covered huge number of benefits.
      Tarun
      Guwahati, October 26, 2021
      Pocket friendly plan
      I was looking for senior citizen health insurance for a long time which I wanted to take for my father. A relative of mine suggested me the Policybazaar website. I landed to their website and checked the health plans. In the end I finally found one that came within my budget.

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.

      ##On ground claim assistance is available in 114 cities

      ~No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      ^Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

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