₹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
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*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

Senior Citizen Health Insurance is a medical insurance policy that offers medical coverage to individuals between the age group of 60 and 75 years. Some of the unique benefits of senior citizen mediclaim policy include cashless hospitalization cover, day care expenses, pre-existing and disease cover.

As per the IRDAI regulations, every health insurance provider  now offers coverage to individuals, up to the age of 65 years. These updated guidelines help individuals to get coverage at later stages of their life. Moreover, the insurers allow the policyholders to switch insurers if they’re not satisfied with their current insurance provider. There is no dearth of insurance providers for elderly people in India. However, the challenge is to choose the right  senior citizen health insurance plan.

Benefits of Senior Citizen Mediclaim Policy

The Senior Citizen Mediclaim offers a range of coverage benefits to elderly people. It pays for the expense incurred on hospitalization, surgery treatment, critical illnesses, accidental injuries, and pre-existing diseases. If the policy is renewed timely, it can cover you till the age of 80 years with lifetime renewal benefits.

Below are some of the primary benefits of buying 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 a basic health plan only provides coverage up to 65 years of age
  • Pre-medical screening- Most of the plans do not require any pre-medical screening. In some plans pre-medical tests may be required
  • Cashless Treatment- Senior citizens can avail the cashless medical treatment in some of the top hospitals provided the patient is admitted for a minimum of 24 hours. This facility includes medical bills, doctor fees, charges of the room, etc.
  • Medical Treatment Expense Cover- Pre-hospitalization, post-hospitalization expenses and in-patient hospitalization expenses are covered in this policy
  • No-claim-Bonus- It is the discount that the insurer offers for all the claim-free years. It can range from 20% to 100% in some plans
  • Tax-Benefits- Another important benefit is that senior citizen health insurance policy offers tax exemption benefits u/s 80D of the IT Act. The cost of premium that is paid is eligible for tax exemption benefits for every financial year

Health Insurance Plans for Senior Citizens

Senior Citizen Health Plans Name

Health Insurance Companies

Entry Age

Sum Insured (Rs.)

Pre-existing Diseases Covered

Medical Check-up

Activ Care Senior Citizen Health Insurance

Aditya Birla Health Insurance

55-80 years

Standard: up to 10 Lakh

Classic: up to 10 Lakh

Premier: up to 25 Lakh

From the 2nd year


Silver Health Plan for Senior Citizens

Bajaj Allianz Health Insurance

46-70 years

50, 000 - 5 Lakh

From the 2nd year

After 46 years of age

Bharti AXA Senior Citizen
Health Plan

Bharti AXA Health Insurance

18-65 years

5 Lakh-1 Crore

From the 2nd year


Care Health Freedom Health Plan

Care Health Insurance (Formerly known as Religare Health Insurance)

46 years and above

3 Lakh-10 Lakh

From the 2nd year

Required ( as per the case)

Individual Healthline Plan

Cholamandalam Health Insurance

Up to 65 years

2 Lakh-25 Lakh


Not required up to 55 years of age

Digit Health Insurance

Digit Health Insurance





Health Insurance Platinum Plan

Edelweiss Health Insurance

Any age

15 Lakh- 1 Crore



Health Suraksha Individual Plan

Future Generali Health Insurance

Upto70 years with lifetime renewal

5 Lakh-10 Lakh

From the 2nd year

46 years of age and above

Health Optima Senior (formerly known as Apollo Munich Health Optima Senior)

HDFC ERGO  Health Insurance

61 years and above

2 Lakh- 5 Lakh

From the 3rd year

Required and reimbursed only 50%

my:health Medisure Classic Insurance

HDFC ERGO General Health Insurance

No upper age limit

2 Lakh- 5 Lakh

From the 3rd year

Not Required

Individual Medishield Plan

IFFCO Tokio Health Insurance

3 months- 80 years

50,000- 5 Lakh

From the 3rd year

After 60 years

Kotak Mahindra Family Health Plan

Kotak Mahindra Health Insurance

Up to 65 years

2 Lakh-100 Lakh

From the 2nd year


Liberty Health Insurance

Liberty Health Insurance

Up to 65 years with lifetime renewal

2 Lakh-15 Lakh

from the 2nd year

Required after 55 years of age

Heartbeat Plan

Max Bupa Health Insurance

entry age up to 65 years

2 Lakh- 50 Lakh

From the 2nd year

Based on the age of the insurer

Lifestyle Protection Accident Care

Manipal Cigna Health Insurance

entry age up to 65 years

50,000- 10 Crores



Varishtha Mediclaim Policy for Senior Citizens

National Insurance Health Insurance

60-80 years (renewable up to 90 years of age

Mediclaim – 1 Lakh; Critical illness – 2 Lakh

From the 2nd year


New India Assurance Senior Citizen Mediclaim Policy

New India Assurance Health Insurance

60-80 years (renewable up to 90 years of age

1 Lakh- 1.5 Lakh

after 18 months


Senior Citizen HOPE Health Insurance Policy

Oriental Health Insurance

60 years and above

1 Lakh- 5 Lakh

From the 2nd year

Required from specific diagnostic centers

Raheja QuBE Health Insurance Policy

Raheja Health Insurance

Up to 65 years

1 Lakh- 50 Lakh



Lifeline Elite Plan

Royal Sundaram Health Insurance

No Age bar

25 Lakh-1.5 Crores

From the 2nd year


Health Gain Insurance Plan

Reliance Health Insurance

Entry up to 65 years

3 Lakh-18 Lakh

From the 3rd year

Required as per the age

Senior Citizen Red Carpet Health Insurance Plan

Star Health Insurance

60-75 years

1 Lakh-10 Lakh

Coverage from the 2nd years of the policy

No pre-acceptance medical test required

Arogya Top Up Policy

SBI Health Insurance

Entry up to 65 years

1 Lakh-5 Lakh;
1 Lakh - 10 Lakh (with deductibles)

From the 4th year

After 55 years of age

MediSenior Health Insurance

Tata AIG Health Insurance

61 Years and above

2 Lakh- 5 Lakh

From the 4th year

Required and reimbursed only 50%

United India - Senior Citizen Mediclaim Policy

United India Health Insurance

61-80 years

1 Lakh - 3 Lakh

From the 4th year

Required and reimbursed only 50%

Senior Citizen Health Insurance Plan

Universal  Sompo Health Insurance

60 years and above

1 Lakh- 5 Lakh

24 months


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

Why do you Need Health Insurance for Senior Citizens?

Senior citizens need to have health insurance cover as health issues are unpredictable.  Hospitalization can be both emotionally and financially distressing for them and their families. Some of the other prominent reasons why senior citizens need health insurance cover are given below:

  • Meet the Rising Healthcare Costs- Adequate health insurance is essential for senior citizens and the entire family to meet the healthcare costs. With the spiraling medical expenses and hospitalization costs, buying a senior citizen health insurance policy becomes imperative for elderly people to help them avail the best healthcare services.
  • Critical illness cover- With 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 get critical illness add-on cover people for people above the age of 60-years.
  • Annual Health Check-up Facilities- Senior citizens can avail health check-ups on yearly basis, as they need to undergo medical screening on a regular basis. Therefore, annual health check-up facilities can help minimize expenses incurred on the same.
  • Peace of Mind- Paying off hospital bills can be strenuous for elderly people, especially with an up rise in treatment costs for both minor and major illnesses. A health insurance policy can bring peace of mind for senior citizens and the entire family in the present situation.

Inclusions of Senior Citizen Health Insurance Plans

Senior citizen health insurance plans include a range of medical coverage benefits from home treatment to hospitalization expenses. Some of the common inclusions under senior citizen mediclaim policies are enumerated below:

  • Hospital Expense Cover: Hospitalization expenses, including room charges, doctor fees, nursing fees, cost of medicine and drugs, ICU charges, fees charged by the medical practitioner, surgeon, consultants, anesthetist, and specialists are recompensed. The cost of surgical appliances, blood, anesthesia, medicines, operation theatre charges are covered as well
  • Other Medical Expenses- It further includes the cost of radiotherapy, chemotherapy, dialysis, cost of artificial limbs, orthopedic implants, and cost of other prosthetic devices such as a pacemaker, vascular stents etc. Expenses incurred on diagnostic tests, x-ray, blood tests, and similar procedures that are required during the hospitalization are also taken care off, depending on the policy purchased
  • Day care Treatments- Specific day care treatments that require less than 24 hours of hospitalization or procedures like chemotherapy, dialysis, etc. are also covered under most of the plans
  • Pre and post Hospitalization Cover- Medical costs prior and post hospitalization are also included under a senior citizen mediclaim policy
  • COVID-19 Cover- The policy also pays the insured person for coronavirus treatment up to the specified limit
  • Organ Donor Expenses- Most of the senior citizen mediclaim policies cover organ donor expenses 
  • Ambulance chargesAmbulance charges for transporting the insured person are recompensed up to a specified limit
  • Pre-Existing Diseases- Pre-existing diseases are also covered, subjected to the policy terms and conditions
  • Ayush Treatment Cost- Ayush treatment taken in a government recognized hospital or Institute is also paid under some senior citizen mediclaim policies
  • Domiciliary Hospitalization Cover- If the doctor suggests home treatment then the policy includes domiciliary hospitalization expenses as well

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

Exclusions of Senior Citizens Health Insurance

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 exclusions under a senior citizen health insurance policy:

  • Pre-existing diseases or injuries are not covered
  • Expenses arising out of self-inflicted injuries
  • Expenses arising from drug abuse and related treatment
  • 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 is also not covered
  • The cost of dental treatment or lenses/spectacles unless arising from an accident
  • Treatment cost of AIDS is excluded as well

Things to Consider While Buying Mediclaim Policy for Senior Citizens

A senior citizen mediclaim policy offers health insurance cover to elderly people who are vulnerable to serious illnesses that may require expensive treatment. 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.

  • Day-care Treatments

    Many of the health insurance policies do not cover daycare treatments. Also, in order to make a mediclaim, hospitalization is mandatory for at least 24 hours. However, you must be grateful to several modernizations, today; many methods do not need any hospitalization. Therefore, it is better to choose a plan covering the highest number of day-care techniques and procedures like dialysis, chemotherapy, radiotherapy, etc.

  • Cashless Hospitals

    Check out the list of network hospitals where you can avail cashless treatment. Every health insurance company has a broad network of hospitals registered under their network. You can check which ones are covered under your senior citizen health insurance policy. In case of medical emergencies, you can get your parents treated from any of these network hospitals. And everyone prefers to go to the hospital close to their vicinity and avail specialized treatment.

  • Efficacy of Health Insurance 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 in meeting the policyholder’s claim requests.

  • 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.

  • Free Medical Health-Check Facility

    Hunt for a best health insurance plan that allows the policyholders to avail medical check-up for free on annual basis. This usually is offered after completion of certain policy years. The check-up or tests have no impact on the premium while the policy comes up for the renewal.

Claim Settlement Process for Senior Citizen Health Insurance

Senior Citizen Health Insurance 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 get reimbursement of expenses incurred on the treatment. In any case, the policyholder must inform their insurer about the same within 24 hours of hospitalization for both cashless and reimbursement claims:

Senior Citizen Health Insurance Reimbursement Claim Procedure

The following steps are involved in general for lodging and settlement of senior citizen health insurance claims:

  • In case of hospitalization immediately notify the insurer
  • Collect the health claim form from the office or download it online
  • Fill and sign the claim form
  • Now submit the claim form to the TPA or the insurer
  • Submit all the documents like doctor’s prescriptions, hospital reports, pathological reports,
  • chemist bills, Receipts from the doctor and surgeon, certificate of admission and discharge, as the case may be
  • A surveyor might be appointed to refer the case to panel doctors (as the case may be)
  • The claim is settled by the issuing office and the amount is reimbursed

Senior Citizen Health Insurance Cashless Claim Process

If you avail medical treatment in a network hospital then you can file cashless claim for a senior citizen policy as listed under:

  • 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
  • A pre-authorization request needs to be approved by the insurance company or the TPA department to initiate cashless hospitalization process
  • For planned hospitalization, it is mandatory to inform the insurance company before hospitalization
  • 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 and settlement

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 insured and coverage limit pertaining to the medical tests, quarantine expenses, waiting period, etc. can vary from one insurer to another. You can also buy Corona Kavach and Corona Rakshak policies for senior citizens up to the age of 65 years. These two plans also cover the cost of PPE kits, gloves, masks, oximeter, ventilator, etc. that are not covered under a basic health insurance policy.

Benefits of Buying Senior Citizen Health Insurance from Policybazaar

Are you an older person stuck in a health insurance crisis? Policybazaar is your savior.

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 insurance 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.

Senior Citizen Health Insurance FAQ’s

  • Q.1 What is a Senior Citizen Health Insurance Policy?

    Ans: A Senior citizen health insurance policy is designed to specifically fulfill the healthcare needs of elderly people above the age of 65 years. It becomes increasingly difficult to get a decent health cover as one grows older and becomes susceptible to lifestyle diseases and critical illnesses. And this one is a bit pricier than a regular health insurance policy.
  • Q.2 Why should you buy health insurance for Senior Citizens?

    Ans: The reason is quite obvious. With a person ageing the possibility 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 a senior citizen medical insurance policy?

    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, and Domiciliary treatment.
  • Q.4 What are the documents required for a senior citizen mediclaim policy?

    Ans: Following documents are required:
    • Age proof
    • Identity proof
    • Address proof
    • Income proof
    • Duly filled proposal form
    • and Pre-insurance medical test reports
  • Q.5 Do I need to go through medical screening before purchasing a senior citizen 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.
    • 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 IRDAI 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 Health 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 including the No-Claim-Bonus or Cumulative Bonus and waiting periods.

    For instance, Mr. Vijay Sharma (i.e. the insured) decided to port his ten-year-old health insurance policy from New India Assurance to HDFC Ergo 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. IRDAI 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 insurance companies that 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 claim documents- TPA or insurance company?

    Ans: Claim documents 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: 19 January 2021
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 286 Reviews)
Senior Citizen Health Insurance Reviews & Ratings
4.6 / 5 (Based on 286 Reviews)
(Showing Newest 15 reviews)
Maanikpur, January 07, 2021
Good companies
The insurance companies are available in the website of the policybazaar. They are quite good and informative in nature and also helps to provide with best in class services. I checked few plans into the policybazaar website. All are good and I chose the one. Thanks to team of policybazaar.
Habra, January 07, 2021
Great assistance
With the customer care of policybazaar I have got the a good plan of senior citizen health insurance policy. I really loved the services which is been provided by the policybazaar team. Thanks to team of policybazaar.
G.k. Bhatar, January 07, 2021
Existing diseases
My father is a heart patient and I bought him a senior citizen health insurance policy. My father’s disease has been covered under the same. I am quite relieved with the same. Thanks to team of policybazaar for such good plans for my father.
East Singhbhum, January 07, 2021
Low premium prices
It is much better deal for me as a customer that I am getting best in class product and also the premium rate of the plan is into my budget and quite low. Nice customer support and they quite understand in nature. Thank you so much team policybazaar.
Fakirpur, January 07, 2021
No claim bonus
My no claim bonus certificate was received to me on timely basis. I didn’t took any claim last year and via that I have got the no claim bonus certificate. The customer care of policybazaar helped me in getting the same on immediate basis. Kudos to team policybazaar.
Dabhoi, January 07, 2021
Network hospitals
I have recently took the senior citizen health insurance policy from the policybazaar and it has a high number network hospitals available. All hospitals are well-flourished and good. I am quite satisfied that in future if something odd will happen then my father will get a better treatment. Thanks team policybazaar.
Tajapur, January 07, 2021
Easy online payments
I have took the senior citizen health insurance policy from the policybazaar and have made the payment online. It is very easy to make the payment. One step towards a better digitalization. I have all the track records and have made a better payment. Thank you so much team policybazaar.
Sabang, January 07, 2021
Easy claims
The claim procedure of the policybazaar and the insurance providers are best. I got my mother’s claim in less than 2-4 days and it was done on proactive basis. All thanks to whole team of policybazaar.
Wadhwan, January 07, 2021
I recently renewed my senior citizen health insurance policy from the policybazaar website. Much easy to do and subtle. I found various other benefits and additional features under the same. It is easy to renew the plan and very quick too.
Iddappadi, January 07, 2021
High and best insurers
I have taken the senior citizen health insurance policy from the policybazaar and it in the website there are many superb insurers available. The insurers are very good and they have provided with lot many benefits. Thanks to whole team policybazaar.
Quilandy, January 07, 2021
Get benefits
I have got a huge amount of benefits when I bought the senior citizen health insurance policy from the policybazaar. I bought some riders too so that it can be easy for my parents to get the best treatment at all the times. Thanks to team policybazaar.
Ladnun, January 07, 2021
Different plans at one place
I got my parents secured with the senior citizen health insurance policy from the policybazaar. It has several plans under the website and I can choose according to my needs and the wants. Team is quite proactive in nature and have introduced with good plans of senior citizen health insurance. Thanks team.
East Godavari, January 07, 2021
Great facilities available
Policybazaar has helped me in giving the one of the best facilities related to senior citizen health insurance policy. I am really satisfied with the services of the policybazaar and would definitely recommend to my friends and family to have this policy. Thanks team policybazaar.
Ichoda, January 07, 2021
All time assistance
It is good to know that policybazaar is giving some best kind of assistance to the customers. I got the same. The team is very good and understanding in nature and they give me best after sales services. Great work by whole team of policybazaar.
Dabhoi, January 04, 2021
Great plans at one place
I have recently bought the senior citizen health insurance policy from the website of the policybazaar. I am happy and satisfied with the plan which I bought with respect to my parents. It has wonderful features and worthy product which I have bought. Thank you policybazaar.
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