₹5 Lac Health Cover for Senior Citizens starts @ ₹1423/month* with no upper age limit
Tax Benefit up to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Senior Citizen Health Insurance

A Senior Citizen Health Insurance plan is a medical insurance policy that offers medical coverage to individual between the age group of 60 to 75 years. Some of the unique benefits of senior citizen medical insurance include cashless hospitalization, pre-existing diseases, no medical test and day care expense.

According to the new guidelines by IRDA, every health insurance provider has to offer coverage to individuals, up to 65 years of age. These updated guidelines help individuals to get coverage at later stages of their life. Moreover, they allow them to switch insurers if they’re not satisfied with their current 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 plans for senior citizens 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.

Features of Senior Citizen Health Insurance Plan

In various unforeseen circumstances, senior citizen health insurance plans will help you cope with your difficulties. These plans come with various salient features. They are as follows:

  • People above the age of 60 years get health cover under Senior Citizen Health Insurance Plans
  • Most of the plans do not require any pre-medical screening
  • Offers free-lock in period on the plans.
  • Senior citizens can avail health check-ups on yearly basis.
  • Senior citizens can avail cashless hospitalisation service under this plan if the patient is admitted for over 24 hours. This facility includes medical bills, doctor fees, charges of the room, etc.
  • Pre-hospitalisation and post-hospitalisation is covered based on the number of days.
  • Most of the Senior citizen insurance plans cover pre-existing diseases

Certain medical amenities such as ambulatory services are also covered by most of the senior citizen health insurance plans.

Top Health Insurance Plans for Senior Citizens in India

Senior Citizen Health Insurance Plans Name Insurer Name Entry Age Sum Assured Pre-existing Diseases Covered Medical Check-up
Activ Care Senior Citizen Health Insurance Aditya Birla 55 - 80 years

Standard: up to 10 lakhs

Classic: up to 10 lakhsPremier: up to 25 lakhs

From the 2nd year Required
Silver Health Plan for Senior Citizens Bajaj Allianz 46 - 70 years 50, 000 - 5 lakh From the 2nd year After 46 years of age
Bharti Axa Senior Citizen
Health Plan
Bharti AXA 18-65 years 5lakhs-1 Crore From the 2nd year -
Individual Healthline Plan Cholamandalam Up to 65 years 2-25 lakhs - Not required up to 55 years of age
Digit Health Insurance Digit  N/A N/A N/A N/A
Health Insurance Platinum Plan Edelweiss Any age 15 lakhs- 1 Crore - Required
Health Suraksha Individual Plan Future Upto70 years with lifetime renewal 5-10 lakhs From the 2nd year 46 years of age and above
Health Optima Senior (formerly known as Apollo Munich Health Optima Senior) HDFC ERGO  Health 61 and above 2- 5 lakhs From the 3rd year Required and reimbursed only 50%
my:health Medisure Classic Insurance HDFC ERGO No upper age limit 2-5 lakhs From the 3rd year Not Required
Individual Medishield Plan IFFCO Tokio 3 months- 80 years 50,000- 5 lakhs From the 3rd year After 60 years
Kotak Mahindra Family Health Plan Kotak Mahindra Up to 65 years 2-100 lakhs From the 2nd year -
Liberty Health Insurance Liberty Up to 65 years with lifetime renewal 2-15 lakhs from the 2nd year Required after 55 years of age
Heartbeat Plan Max Bupa entry age up to 65 years 2-50 lakhs From the 2nd year Based on the age of the insurer
Lifestyle Protection Accident Care ManipalCigna entry age up to 65 years 50,000- 10 Crores - -
Varishtha Mediclaim Policy for Senior Citizens National Insurance 60 - 80 years (renewable up to 90 years of age Mediclaim - 1, 00,000; Critical illness - 2, 00,000 From the 2nd year Required
New India Assurance Senior Citizen Mediclaim Policy New India 60 - 80 years (renewable up to 90 years of age 1, 00,000 - 1, 50,000 after 18 months Required
Senior Citizen HOPE Health Insurance Policy Oriental 60 years and above 1- 5 lakhs From the 2nd year Required from specific diagnostic centers
Religare Care Freedom Health Plan Religare 46 years and above 3-10 lakhs From the 2nd year Required ( as per the case)
Raheja QuBE Health Insurance Policy Raheja Up to 65 years 1- 50 lakhs - -
Lifeline Elite Plan Royal Sundaram No Age bar 25 lakhs-1.5 Crores From the 2nd year -
Health Gain Insurance Plan Reliance Entry up to 65 years 3-18 lakhs From the 3rd year Required as per the age
Senior Citizen Red Carpet Health Insurance Plan Star Health 60 - 75 years 1-10 lakhs Coverage from the 2nd years of the policy No pre-acceptance medical test required
Arogya Top Up Policy SBI Entry up to 65 years 1-5 lakhs;
1- 10 lakhs (with deductibles)
From the 4th year After 55 years of age
MediSenior Health Insurance Tata AIG 61 and above 2- 5 lakhs From the 4th year Required and reimbursed only 50%
United India - Senior Citizen Mediclaim Policy United India 61 - 80 years 1 - 3 lakhs From the 4th year Required and reimbursed only 50%
Senior Citizen Health Insurance Plan Universal           Sompo 60 years and above 1 - 5 lakhs 24 months Required
See More Plans
Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.  

6 Factors to Consider While Comparing Mediclaim Policies for Senior Citizens

  • Coverage:

    Firstly, ascertain your medical requirements, your health concerns and your spouse’s health concerns, age factor and other issues that might affect your health insurance premium.Take into consideration various health factors like your medical history, financial conditions etc. Check if the plan has sub-limits, co-payment clause, and room rent capping. Select a plan that offers maximum coverage and comes with minimum limitations.

  • Co-Payments:
    Co-pay is the fixed amount that the policyholder pays from his own pocket for the covered services. Most of the senior citizen health insurance plans come with a co-payment clause depending on the treatment and medication required. Choose a plan that charges a lesser percentage of co-pay.
  • Lifetime renewal:
    Check if the medical insurance plan doesn’t come with a cut-off renewal age. Choose a plan that offers lifetime renewability option. As you grow old and your health issues increase, it will become challenging for you to purchase a new plan.Usually, health insurance providers offer a grace period to their customers. It allows easy renewal in case the due date is missed.Most of the health insurance companies such as Max Bupa and HDFC ERGO Health (formerly known as Apollo Munich) send a reminder to the policyholders to help them renew the policy in time. Timely renewal will save you from unnecessary stress.
  • Waiting Periods:
    Before buying health insurance, it’s important for you to have some knowledge about the waiting period. It is the duration for which the insured person has to wait unless the illnesses that are listed in the policy are covered. During this period you cannot file a claim for such illnesses. In some cases, the health insurance company offers coverage to some of the prior illnesses on payment of extra premium. Most of the health insurers have a waiting period clause before the beginning of the medical policy. Any pre-existing illness may require costly medical treatment. That is why it is recommended that you opt for a policy with a minimal waiting period.
  • Pre-Existing Diseases:
    Some insurance companies cover pre-existing illnesses and some don’t cover it all, so it is better to assess before you make the purchase. Some insurers cover it after 48 months, and some cover it after 24 months. In case of senior citizens, most of the pre-existing health issues can lead to rejection as well. So, select a plan that comes with a minimal pre-existing clause.
  • Free-look Period:
    A free look period is a time in which a new policyholder can end the policy without penalties. It is usually 15 days that allows the insured to decide whether to continue or discontinue. If the insured is not satisfied and wishes to cancel it, then he is eligible to get a full refund.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

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 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 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

Things to Keep in Mind When Buying 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 buy 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 for their parents, who have attained an age of 60 years or above, then he should not include them in their family health insurance 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.

Benefits of Senior Citizen Mediclaim Policy

A senior citizen 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

Senior Citizens 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 Citizens?

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

This health 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.

*Tax benefit is subject to changes in tax laws

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

Will Health Insurance for Coronavirus be provided for Senior Citizens?

Taking into consideration the way Coronavirus is permeating in India, buying health insurance for coronavirus is the need of the hour. And like everyone knows the worst affected by COVID-19 are the elderly people and those with weaker immunity. For this reason, senior citizens are also considered to be at a higher risk.

As per the data nearly 95% of deaths have been in people above the age of 60 years. So, it makes sense to secure your elderly parents with a senior citizen health insurance plan that would cover up the treatment cost as it is not a pre-existing condition. However, the sum assured and coverage limit pertaining to the medical tests, quarantine expenses, waiting period, etc. can vary from one insurer to another.

Benefits of Buying Senior Citizen Health Insurance Policy 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 medical 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 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 citizens health insurance plans. The best part is that our insurance experts are standing by to talk with you and answer your query, if any.


  • Q.1 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.
  • Q.2 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.<
  • Q.3 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. Entry/Exit age Maximum renewal age Co-payment Domiciliary treatment.
  • Q.4 Documents Required For Senior Citizen Health Insurance?

    Ans: Age Proof Identity Proof Address Proof Income Proof Duly Filled Proposal Form Pre-Insurance Medical Tests.
  • Q.5 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.
  • Q.6 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.
  • Q.7 Do all insurance companies offer cashless hospitalization?

    Ans:Yes, every good insurance company offers this cashless facility at their network hospitals.
  • Q.8 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.
  • Q.9 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.
  • Q.10 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.
  • Q.11 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.
Written By: PolicyBazaar - Updated: 05 August 2020
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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 18 Reviews)
Senior Citizen Health Insurance Reviews & Ratings
4.7 / 5 (Based on 18 Reviews)
(Showing Newest 15 reviews)
Yashwant Nagar, July 24, 2020
No claim bonus certificate
I recently availed my no claim bonus certificate from the policybazaar. They delivered the no claim bonus certificate little late but I got it later on. I like the services of policybazaar but they are sometimes little slow.
Tadpatri, July 24, 2020
Renewal took time
I renewed my parent’s health plan from policybazaar. It took time as there was some technical glitch which took place. Though after some time it got resolved and I renewed it easily.
Udagamandalam, July 21, 2020
All time assistance
The team policybazaar is quite enthusiastic in nature and does understand the value of the customer. I got the plan and they always assist me whenever I need their support and assistance. You can get connected to them at any point of time.
G.mahisani, July 21, 2020
No medical check ups
One of the great thing I like of getting the health plan for my parents is that you don’t have to get the health check up. I took such plan where health check up is not needed. It was good for them and I took that plan for my parents comfort. Kudos team for such better plans.
Fakirpur, July 21, 2020
A mandate policy
I took a senior citizen health insurance plan from policybazaar for my parents. I feel it is a good plan and much needed too. As, it is really important for everyone to secure your health and lifestyle has changed a lot. So, I found such a good plan under the website of policybazaar. Thanks team.
Lamtaput, August 31, 2019
Affordable prices
The prices of the policies are much better then other companies when you compare. It is a good place to get your insurance done.
Jamkhed, August 09, 2019
Awesome customer support
One of the customer support service provider helped me a lot in getting a good plan for my parents. She gave me good number of choices. I am happy to be a part of policybazaar.
Motihari, August 07, 2019
Better plans with better services
I was thinking of buying a health insurance for my parents and somebody suggested me to for policybazaar as they provide good plans also with better after sales services.
Kolabira, August 04, 2019
Safety shield for my parents
I had purchased a health insurance for my parents from policybazaar. The riders provided by the company are good and very well planned.
Rai_bareilly, July 30, 2019
Would suggest everyone
I recommended my friends and relatives to get yourself and your loved ones insured from policybazaar as they provide good customer services and after saes service.
Yeleswarm, July 28, 2019
My claim was settled on time
I claimed for health insurance policy under senior citizen for my parents from policybazaar. And it was actually good that they understood and completed my work on time.
Sitarganj, July 25, 2019
Online is better then traditional
Earlier I was associated with the local agents for my parent’s policy. But now when I got to know about policybazaar I found it best. Although it was a try but now I am happy and satisfied.
Pipili, July 23, 2019
Customer support was excellent
The customer support team is superb. They provide correct information to their customers. Infact helped me understanding the policy.
Nizamabad, July 20, 2019
Research of plan got me good deal
So recently I was searching for senior citizen health insurance for my parents and my eye got stick on the link given by policybazaar. It was good and I found it relevant for my parents.
Akrabad, July 15, 2019
Claim process was hassle free
The claim process of policybazaar is excellent. You just need to provide the documents and rest of the work will be done in few days without any trouble.