Senior Citizen Health Insurance Comparison

Senior Citizen Health Insurance Plan

Senior citizen health insurance plan is a necessity, especially when you are planning to retire and live on pension or interest income from savings. A sudden medical emergency can result in a financial crisis. To avoid this, it is prudent to take a comprehensive senior citizen mediclaim policy. These health insurance policies are for people who are between 65 years and 80 years of age.

Senior Citizen Health Insurance Quotes

Best Health Insurance for Senior Citizens

Senior Citizen Health Insurance:

PolicyBazaar offers a wide range of senior citizen health insurance policies at affordable premiums.

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  • Buy Senior Citizen Health Insurance Plan Online

According to the new guidelines by IRDA, every health insurance provider has to offer coverage to individuals, up to 65 years of age. These new guidelines will not only help individuals get coverage at a later stages of their life but will also allow them to shift insurers in case they are not satisfied with their current senior citizen health insurance provider. There is no dearth of insurance providers for elderly people. However, the challenge is to choose the right one.

Thus, we strongly recommended that you make proper comparison of different health insurance mediclaim policy for senior citizen which are available in the market before purchasing. The online comparison is the right move to find and pick the best health insurance plan Such a comparison will give you a fair idea on which is the best suited policy for you.

Read More About Health Insurance For Senior Citizens in India

best senior citizen health insurance plans

Popular Senior Citizen Health Insurance Plans Available in India

IRDA approved general insurance companies offer mediclaim for senior citizen in India and have niche products to cater to this segment in our society. In India, the mediclaim policy for senior citizens ensure that you are financially protected during your golden years and are able to keep pace with sky rocketing medical costs.

  • Silver Health from Bajaj Allianz
  • Varistha Mediclaim offered by National Insurance
  • Red Carpet Health Insurance from Star Health Insurance
  • Optima Restore from Apollo Munich
  • Gold from Max Bupa
  • Care from Religare
Insurer - Policy Name Age Sum Assured Pre & Post Hospitalisation Expenses Pre-existing Diseases Medical Check-up
Bajaj Allianz - Silver Health Plans for Senior Citizens 46 - 70 years 50, 000 - 5 lakh Up to 3% of admissible hospital expenses incurred Covered from the 2nd year of the policy After 46 years of age, required as listed below: Complete medical report, ECG, Fasting BSL, Urine R, Liquid profile, HbA1c, SGPT, CBC, SGOT, CBC, Sr. Creatinine
ICICI Lombard - Complete Health Insurance 46 and above up to 10 lakh 30 days and 60 days respectively Covered from the 3rd year of the policy (up to 4 years for sum assured 4 lakh; subject to nonstop renewal) Medical tests required for anyone above 46 years of age at particular diagnostic centers
Star Health - Senior Citizen Red Carpet Health Insurance Policy 60 - 75 years 1, 00,000 - 10, 00,000 Only post hospital expenses maximum up to Rs. 5,000 excluding nursing charges, diagnostic charges, medicine, and consultation fee. Coverage from the 2nd years of the policy No pre-acceptance medical test required
National Insurance - VARISHTHA Mediclaim Policy for Senior Citizens 60 - 80 years (renewable up to 90 years of age Mediclaim - 1, 00,000; Critical illness - 2, 00,000 30 days and 60 days post respectively Covered after 1 claim-free year while policy remains in force Not required if insured was covered by a health insurance for last 3 years; Required for rest
New India - Senior Citizen Mediclaim Policy 60 - 80 years (renewable up to 90 years of age 1, 00,000 - 1, 50,000 30 days pre-hospitalisation (max up to 5% of hospital bill) and 60 days post hospitalisation (max up to 10% of hospital bill) Covered after 18 months of policy inception Required
United India Health - Senior Citizen Mediclaim Policy 61 - 80 years 1, 00,000 - 3, 00,000 30 days and 60 days respectively (max up to 10% of hospital bill; whichever is less) Covered after 4 years of nonstop renewal with the company Required and reimbursed only 50% and that even after proposal acceptance
Apollo Munich - Optima Senior 61 and above 2, 00,000 - 5, 00,000 30 days pre and 60 days post hospitalisation expenses Covered after 3 years of nonstop renewal with the company Required and reimbursed only 50% and that even after proposal acceptance
Oriental Insurance - Senior Citizen HOPE 60 and above 1, 00,000 - 5, 00,000 30 days and 60 respectively Covered after 2 years of nonstop renewal with the company Need to submit certain medical tests report issued by particular diagnostic centers
SBI - Arogya Top Up Policy 65 and above Sum of 1, 00,000 - 5, 00,000; 1, 00,000 - 10, 00,000 (with deductibles) 60 days pre-hospitalization and 90 days post hospitalization expenses Covered after 4 years of nonstop renewal No medical test required up to 55 years of age if no medical history is there
Tata AIG - MediSenior 61 and above 2, 00,000 - 5, 00,000 30 days and 60 days respectively Covered after 4 years of continuous renewal Required and reimbursed only 50% and that even after proposal acceptance

 

Senior Citizen Mediclaim Insurance

6 Factors to Consider While Comparing Senior Citizen Mediclaim Policy

While you compare Mediclaim Policy for Senior Citizens, you must consider the following factors:

  • Cover:

The amount of sum assured is generally lesser in the case of the public insurance companies that cater to policies of Rs. 1 to Rs. 2 lakhs. You can receive a cover of Rs. 15 lakhs to Rs. 20 lakhs from private insurance companies, but the premiums would be higher and also they may ask to make co-payments.

  • Co-Payments:

Co-payments decree that the pre-defined percentage of the amount of claim will be bored by the policyholder and the remaining sum will be settled by the insurer, a usual clause with many group health insurance plans. Despite the fact you might find an insurance policy to be affordable, it might not provide you with a complete coverage if it contains a co-payment clause.

  • Maximum Age to Renew:

A lot of insurance companies offer senior citizen mediclaim policy for your elderly parents falling in the age bracket between 60 to 80 years; however, a few companies restrict the age of the policyholder to 69 years of age only. So, after you celebrate your 69th birthday, it will be harder for you to buy a health insurance plan for yourself. While some insurance companies such as Max Bupa and Apollo offer health insurance medilcaim policies for senior citizens deprived of any age limit. The plan is usually issued for a period of one year and has to be renewed by making a payment of premium at the year end. The limits of age for renewal differ from insurer to insurer. Generally, it is 90 years.

  • Coverage of Certain Diseases:

If the senior citizen, who is to be insured, is suffering from any of the pre-existing illness, the disease will be covered by the insurance company after the completion of the period of one year or two years of the policy. There are a few companies that do not cover these pre-existing illnesses at all; so it is better to assess before you buy.

  • Waiting Periods:

Certainly, in this case specifically, the insured will be comparatively older, hence it is significant that the plan you purchase has a low waiting period. This is in the case they have any current conditions that might not fall under the policy until the waiting period gets over.

  • Freelook Period:

Free look period is the time frame where the policy holder is allowed to terminate their insurance contract, if they do not agree with the terms and conditions of the policy or do not wish to proceed with the intended policy, without being penalized with surrender charges. Policy holders can exercise this option within 15 days of receiving the policy documents.

Things to Know When Choosing A Senior Citizen Mediclaim Policy for your Elderly Parents

  • Select a plan that permits you to renew your plan to the maximum age
  • Pick a plan that provides a good coverage at affordable prices. It will be better if it covers critical and pre-existing illness
  • It is better to pick a plan that covers the pre-existing illness with a lower waiting period
  • Select a plan with minimum co-payment

Senior Citizens:

IRDA, i.e. Insurance Regulatory and Development Authority of India, is subtle with the special requirements of Senior Citizen Insured.

Government Rules:

It has been overriding aggressively with the regulatory actions like:

  • In the year 2006/2007, when a few of the insurers radically elevated premiums for hospitalization policy, it set down a tam for any such revision
  • Government constituted a Committee on Senior Citizens Health Insurance to go in some special requirements
  • Numerous recommendations were implemented for this committee
  • IRDA also issued the instructions below about the health insurance for senior citizens to the insurance companies:
    • People must be permitted to purchase a new senior citizen health insurance plan up to the attainment of age of 65 years
    • If the health insurance for any senior citizen proposal gets rejected, it should be given in writing with valid reasons
    • A senior citizen insured must have an option to alter his TPS anywhere feasible
    • Minimum 50% of the pre-insurance medical investigation cost might get reimbursed where the insurer accepts the risk
    • No insurance company can decline the renewal of any health insurance scheme except on the grounds of misrepresentation, moral hazard or fraud

Get More Info On Check Points for Selecting Best Senior Citizen Health Insurance Plan

Things to Keep in Mind When Buying Senior Citizen Mediclaim Policy for Your Parents

Scores of young individuals are on pins and needles when talked about the health requirements of their parents, peculiarly when their parents are the senior citizens. A few employers cater to provide cover their employees’ parents under the group health insurance plans. This provides some breathing space to the youthful individuals seeking some solutions to the health issues of their senior citizen parents. Nevertheless, not all have the privilege to avail this sort of protection for their parents. The ones who have no access to such an arrangement, they have to purchase senior citizen mediclaim policy for their parents. Moreover, the one who is covered under the group health insurance plan offered by the employer may not find it sufficient and might want to get another one.

No matter what the case is, purchasing a health insurance plan for the senior citizen is a chore and for a lot of young individuals, it is cumbersome to choose one for their elderly loved ones. Let us endure the significant factors, which a young individual should keep in mind while buying senior citizen health insurance.

  • Efficacy of Process of Claims

Claim settlement ratio and claim settlement time should be the two most significant factors taken into consideration. Faster the claim settlement time and higher the claim settlement ratio usually means that the insurer is doing a great job with candid and authentic claims.

  • Day-care methods:

Many of the health insurance policies do not cover Day-care methods. Also, in order to make a mediclaim, hospitalisation is mandatory for at least duration of 24 hours. However, you must be grateful to several modernisations, today; many methods do not need any hospitalisation. Therefore, it is better to choose a plan covering the highest number of day-care techniques.

  • Network Hospitals:

Check out the catalogue of network hospitals around you and check whether they include the services that you often come across. It is also a vital factor that is to be considered if you are travelling or moving cities, as your health insurance must travel along with you. Moreover, you can avail your cashless facilities in network hospitals.

  • No-Claim Bonus:

A lot of insurance companies provide a no-claim discount or a no-claim bonus if no claim is lodged by the policyholder. In such a case, either the premium decreases or the sum insured increases or both.

  • Pre-Hospitalisation/Post-Hospitalisation:

Hospitalisation expenses are the medical expenses that are incurred before and/or after hospitalisation. For the period of hospitalisation, a few parts of the treatment extend further than the hospitalisation. Visiting the doctors regularly for follow-ups, medication to be taken or follow-up examinations to be made comes under the post-hospitalisation expenses. The expenses that are relevant to the treatment for which the individual has been admitted to the hospital must be considered under the Pre-hospitalisation and post-hospitalisation expenses.

  • Discreet Individual Policy for Parents:

If an individual is purchasing a mediclaim policy for senior citizen for their parents, who have attained an age of 60 years or above, then he should not include them in their family floater plan. They should purchase an individual health plan. This is because the premium under family floater scheme basis the eldest member who is covered in the plan. Even the highest renewal age is fully dependent on the covered eldest member's age. Hence, if and when the age is fissured, all the members of the family will lose the cover.

  • Premium Factors:

The senior citizen health insurance policy's premium is very high due to the risk associated with age is high too. Despite the plan's basic premium, you might have to make an extra payment for pre-existing diseases.

  • Free Medical Health Check:

Hunt for a health insurance plan that allows the policyholders to medical check-up for free. The check-up or tests have no impact on the premium while the policy comes up for the renewal.

medical insurance benefits

Benefits of Senior Citizen Mediclaim Policy

A senior citizen health insurance mediclaim policy is just another type of health insurance, specifically drafted for senior citizen in our families. Such a mediclaim policy requires a person to be at least 60 years old to avail the coverage and benefits associated with the policy. Below are primary benefits of a mediclaim policy for senior citizens:

  • Hospital Expense Cover: Expenses incurred on a patient if the hospitalization (cashless treatment) is more than 24 hrs, including room charges, doctor fees, nursing fees, cost of medicine and drugs, etc.
  • Day care costs which arise from use of special equipment or procedures like chemotherapy, dialysis, etc.
  • Medical costs prior and post hospitalization provided the number of days is variable
  • Ambulance charges for transporting the insured, subject to maximum limit
  • Existing diseases are also covered, subject to terms and conditions of the policy

Read In Detail About Benefits of Senior Citizen Health Insurance Plans

Senior Citizen Health Insurance Exclusions

Although a health insurance policy covers most of the health hazards when diagnosed, there are times when mediclaim cover for a senior citizen is denied. Below is a list of common exclusion of a senior citizen health insurance policy:

  • Pre-existing diseases or injuries
  • Expenses arising out of self-inflicted acts
  • Expenses arising from drug abuse
  • One or more medical condition diagnosed within 30 days of purchasing the policy
  • Expenses related to non-allopathic treatment
  • The treatment cost of injuries caused due to an act of foreign army or a civil war
  • A cosmetic surgery
  • The cost of dental treatment or lenses/spectacles unless arising from an accident
  • Treatment cost of AIDS

How to Claim Mediclaim for Senior Citizen?

Mediclaim for senior citizens allows the policyholders to file a health insurance claim when they get hospitalized or have to avail emergency medical treatment. These policies facilitate raising a mediclaim to avail cashless treatment at a network hospital or for expense reimbursement post discharging from the hospital. In any case, the policyholder must inform their insurer about the same within 24 hours of hospitalization without failure.

In order to file mediclaim, fill out the claim form obtained online from the respective insurer's website or obtained from the insurer's office, and then submit it back to the insurer. Attach the medical bills and reports given by the doctor/hospital as the supporting documents. Make sure to meet all the requirements for faster claim processing.

Tax Benefits of Senior Citizen Health Insurance Mediclaim Policy

Senior citizen health insurance mediclaim policy not only provides you with an assurance for health benefits when you might actually need them but also entitles you to avail tax exemption under section 80D of the Income Tax Act, 1961. You are eligible for an income tax rebate of Rs. 30,000 if you hold a mediclaim policy for senior citizens for your elderly parents. You can also avail am additional rebate of Rs. 5,000 for preventive health checkups annually.

If you're still earning and also paying 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 max up to Rs. 60,000 under section 80D.

senior citizen health plan benefits

Benefits of Buying Health Insurance Mediclaim Policy for Senior Citizens from PolicyBazaar

Are you an older person stuck in a health insurance crisis? PolicyBazaar is you savior. If you're an elderly person, you may find yourself in a crisis-no longer covered under employer's health insurance policy but needing mediclaim policy for senior citizens more than you ever did before.

Backed with a team of experts, we at PolicyBazaar facilitate a quick and easy comparison of available health insurance mediclaim policies for senior citizens and thus, help in saving your time and money. There are various IRDAI approved companies offering senior citizen health insurance plans to old people and thus, an online comparison will ensure that you only fall to the right plan.

All you need to do is fill a simple form with information about yourself and your insurance requirements. Once you submit it, you will soon get quotes for affordable these senior citizen mediclaim health insurance plans. The best part is that our insurance experts are standing by to talk with you and answer your query, if any.

What is Senior Citizen Health Insurance?

Ans:

It becomes increasingly difficult to get a decent health cover as one grows older. Health insurance designed to specifically fulfill the healthcare needs of the old aged is termed as Senior Citizen Health Insurance. It is a bit pricier than regular health insurance.

Why insurance for Senior Citizen?

Ans:

The reason is quite obvious. With a person growing, the frequency and severity of illness increases too. Thus, aged people have higher healthcare costs to bear. But more often than not, the people in this age group have no regular source of income apart from the pension. That is the reason, getting a health insurance at this point of time becomes all the more important.

What should I look out for in Senior Citizen insurance?

Ans:

Health insurance for senior citizens comes with stringent medical check-ups, limited coverage and extensive exclusions. One should look out for the following parameters while buying it.

  1. Entry/Exit age
  2. Maximum renewal age
  3. Co-payment
  4. Domiciliary treatment

Documents Required For Senior Citizen Health Insurance?

Ans:
  1. Age Proof
  2. Identity Proof
  3. Address Proof
  4. Income Proof
  5. Duly Filled Proposal Form
  6. Pre-Insurance Medical Tests

What is senior citizen health insurance? Why do I need it?

Ans:

Health insurance that specifically caters to divergent healthcare needs of older people is known as senior citizen health insurance. Buying such a health plan has become necessity. As we grow old (i.e. after retirement), there are high chances of suffering from severe ailments. Moreover, the income post-retirement proves to be insufficient to cover hefty medical expenditure. A sudden medical emergency can result into a serious financial loss. With the right senior citizen health insurance plan, it is possible to keep all medical woes at bay. The following coverage is offered under this plan-

  1. Hospitalization coverage
  2. Day care costs
  3. Ambulance charges
  4. Pre-existing ailments

In this year budget, the basic exemption limit for senior citizens has been increased from Rs 20,000 to Rs 30,000 under Section 80D.  Moreover, if you buy health insurance for your parents, you also become eligible to get tax deductions under Section 80D.

Do I need to go through medical screening before purchasing a health plan?

Ans:

Yes, you need to go through medical screening before buying a senior citizen health plan. As an old aged individual you are a riskier deal for the insurance company. Hence, most of the insurance companies need the applicant to go through medical screening.

What are the things to look out for in a senior citizen plan?

Ans:

Health insurance for senior citizens comes with a limited coverage. One should look out for below parameters while purchasing such a plan

Co-payment= It is the part of the eligible claims that an insured has to pay, while the remaining portion of the claim will be paid by the insurance company. Usually, this ratio of premium payable varies from 10-25%. It means, for every claim of Rs 100, a policyholder has to shell out Rs 25 before the company contributes Rs 75. For a policyholder, main benefit comes in the form of low premium rates.

Maximum renewability age= Always look for a product which offers maximum renewability. A product which ceases renewal when you need it most, especially after 60 years, is not a right plan.

Waiting period for existing illnesses = As you grow old (i.e. after retirement), so is the list of existing diseases. You should look for the insurance plan that has low waiting period for existing illnesses.

Check terms and conditions related to medical check-ups= Most of the IRDA approved insurance companies insist on health checkup of the proposer before issuing policy and accepting the premium. You may be asked to bear check-up expenditure. So you should look for a plan that asks for limited medical tests and also bears some part of test expenses.

Do all insurance companies offer cashless hospitalization?

Ans:

Yes, every good insurance company offers this cashless facility at their network hospitals.

What are continuity advantages available in health insurance?

Ans:

When you port your insurance policy from one insurer to another, you are allowed to carry forward your continuity advantages which you have gained by being under continuous health coverage for certain number of years. It plays an important role when at a later stage you want to add existing illness clause in your policy.

The continuity would also be applicable on time-bound exclusions, for example, most of the insurance policies exclude joint replacement surgeries for a period of 2 years. But at the time of portability, the continuity would be considered for these conditions also.

For instance, Mr. Vijay Sharma (i.e. the insured) decided to port his ten-year-old health insurance policy from New India Assurance to Apollo Munich health plan. As Mr. Sharma had spent enough time with New India Assurance, therefore, he doesn’t need to serve the waiting period to cover existing illnesses.

He also earned cumulative bonus (it is a bonus given to policyholders who do not make a single claim in a year) in his first policy which is added to the sum insured by the new plan. In this case, waive off waiting period and carry forwarding of bonus are called continuity advantages.

Who will bear the cost of pre-insurance medical checkup and where it will be conducted?

Ans:

Usually, the applicant has to bear costs of medical test held prior of taking policy. IRDA approved insurance companies arrange the appointment with their empanelled hospitals.

Do companies offer free annual health checkups in health policies?

Ans:

There are some insurers which offer this benefit to their policyholders (in terms of sum assured) once in a block of four claim-free years. Also there are some IRDAI approved insurance companies which are offering this facility every year, even if you have applied for a claim. So it is best to read your policy wordings to get clear idea.

To initiate the process, call up the insurer’s toll free number or visit the nearest branch office of the company. If tests are done at an empanelled center, the customer is not asked to pay any amount as the insurer pays the center as per agreed rates. However, if the insured gets the test done at a nearby lab then he has to pay charges which he can later reimburse from the company.

Whom should I submit claims- TPA or insurance company?

Ans:

Claims should be submitted to the TPA except in cases where there is no TPA and the insurance company is doing in-house claim settlement.

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