Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance for your elderly parents has become an absolute necessity today. In case you are looking for a mediclaim policy for your parents who are 60+, check out the list of health insurance plans for senior citizens that you can buy.
Select members you want to insure
Popular Cities
Do any member(s) have any existing illnesses for which they take regular medication?
When did you recover from Covid-19?
Some plans are available only after a certain time
Given below is the checklist to buy the best senior citizen health insurance policy:
Senior citizens have a higher chance of developing a medical condition. Therefore, you must opt for a health plan that covers pre-existing diseases after a smaller waiting period of 1 or 2 years.
Elderly people are more vulnerable to diseases and may have to be frequently hospitalized. Hence, you must buy a senior citizen health policy that comes with a cashless hospitalization benefit. This will allow your elderly parents to get cashless treatment at a network hospital as the bill amount will be paid by the insurance company.
A timely diagnosis of a disease can help save the patient’s life and regular medical check-ups are the only way to diagnose a disease at an early stage. Therefore, you must prefer a health insurance policy that offers free medical check-up facilities to senior citizens.
Make sure to opt for a senior citizen health insurance policy that comes with no claim bonus benefit. This benefit increases your policy sum insured by a fixed percentage if no claims are raised in the previous year without hiking your premium.
A lot of senior citizen health insurance plans have an in-built co-payment clause that requires you to pay a fixed percentage of the claim amount. Hence, you should choose a plan that does not come with any co-payment clause.
Sometimes, a sick elderly person may have to avail medical treatment at home in case of a delicate health situation or shortage of hospital beds. Thus, you must prefer buying a health plan for senior citizens that covers the cost of domiciliary hospitalization.
Usually, health insurance plans offer coverage for in-patient hospitalization of at least 24 hours. However, not all medical procedures require a 24-hour hospitalization, such as chemotherapy, dialysis, radiation, etc. Therefore, you must opt for a policy that covers day care procedures.
As the age of senior citizens increases, health insurance becomes expensive for them. Hence, you must opt for a health insurance policy that comes with lifetime renewability so that you do not have to look for another policy for your parents in their old age.
We have handpicked a list of health insurance plans for senior citizens to help you choose the ideal plan for your parents. Take a look at the senior citizen health insurance plans below along with their features and USPs:
Health Insurance Plans for Senior Citizens | Age Criteria | Sum Insured (in Rs) |
Pre-existing Diseases Waiting Period | |
Aditya Birla Activ Care Insurance Plan | Min: 55 years Max: 80 years |
Min: 3 lakh Max: 25 lakh |
2 years | View Plan |
Bajaj Allianz Silver Health Plan | Min: 46 years Max: 80 years |
Min: 50,000 Max: 10 lakh |
1 year | View Plan |
Care Senior Health Advantage Plan | Min: 60 years Max: Lifelong |
Min: 5 lakh Max: 10 lakh |
2 years | View Plan |
Cholamandalam Flexi Health Supreme Plan | Min: 18 years Max: 75 years |
Min: 5 lakh Max: 5 crore |
2/3 years | View Plan |
Digit Health Insurance Plan | Min: 18 years Max: No age limit |
Min: 2 lakh Max: 3 crore |
1/3 years | View Plan |
Future Generali Varishta Bima | Min: 60 years Max: No age limit |
Min: 2 lakh Max: 10 lakh |
1 year | View Plan |
HDFC ERGO Optima Senior Plan | Min: 61 years Max: No age limit |
Min: 2 lakh Max: 5 lakh |
3 years | View Plan |
ICICI Lombard Golden Shield Plan | Min: 56 years Max: No age limit |
Min: 3 lakh Max: 50 lakh |
2 years | View Plan |
IFFCO Tokio Individual Health Protector Plan | Min: 18 years Max: 65 years |
Min: 50,000 Max: 20 lakh |
3 years | View Plan |
Liberty HealthPrime Connect Plan | Min: 18 years Max: 65 years |
Min: 10 lakh Max: 1 crore |
3/4 years | View Plan |
Magma HDI OneHealth Senior Plan | Min: 56 years Max: No age limit |
Min: 3 lakh Max: 25 lakh |
1 year | View Plan |
ManipalCigna Prime Senior Plan | Min: 56 years Max: 75 years |
Min: 3 lakh Max: 50 lakh |
2 years | View Plan |
National Senior Citizen Mediclaim Policy | Min: 50 years Max: 80 years |
Min: 1 lakh Max: 10 lakh |
2 years | View Plan |
New India Assurance Senior Citizen Mediclaim Policy | Min: 60 years Max: 80 years |
Min: 1 lakh Max: 1.5 lakh |
18 months | View Plan |
Niva Bupa (Formerly known as Max Bupa) Senior First Plan | Min: 61 years Max: 75years |
Min: 5 lakh Max: 25 lakh |
2 years | View Plan |
Oriental HOPE Insurance Plan | Min: 60 years Max: No limit |
Min: 1 lakh Max: 5 lakh |
2 years | View Plan |
Raheja Health QuBE Insurance Plan | Min: 18 years Max: 65 years |
Min: 1 lakh Max: 50 lakh |
4 years | View Plan |
Reliance Health Gain Policy | Min: 18 years Max: 65 years |
Min: 3 lakh Max: 1 crore |
3 years | View Plan |
Royal Sundaram Lifeline Health Insurance Plan | Min: 18 years Max: No age limit |
Min: 2 lakh Max: 1.5 crore |
2/3/4 years | View Plan |
SBI Super Health Insurance Plan | Min: 18 years Max: No age limit |
Min: 3 lakh Max: 2 crore |
2 years | View Plan |
Star Senior Citizen Red Carpet Health Insurance Policy | Min: 60 years Max: 75 years |
Min: 1 lakh Max: 25 lakh |
1 year | View Plan |
Tata AIG MediCare Premier Plan | Min: 18 years Max: 65 years |
Min: 5 lakh Max: 3 crore |
2 years | View Plan |
United India Senior Citizen Health Insurance Plan | Min: 61 years Max: 80 years |
Min: 1 lakh Max: 3 lakh |
4 years | View Plan |
Universal Sompo Senior Citizen Health Insurance Policy | Min: 60 years Max: 70 years |
Min: 1 lakh Max: 5 lakh |
2 years | View Plan |
Zuno (Formerly Edelweiss) Health Insurance Plan | Min: 18 years Max: 65 years (No age bar for the Platinum plan) |
Min: 1 lakh Max: 1 crore |
2/3/4 years | View Plan |
Zurich Kotak (formerly known as Kotak Mahindra) Health Premier Plan | Min: 18 years Max: 65 years |
Min: 2 lakh Max: 2 crore |
3/4 years | View Plan |
*Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.
This health insurance plan by Aditya Birla Health Insurance Company has been designed to cover the medical expenses of senior citizens. It offers comprehensive coverage to people up to the age of 80 years against all stages of an illness, right from diagnosis to recovery.
The Bajaj Allianz Silver Health plan is a customer-oriented health insurance plan for senior citizens. The plan offers a wide range of coverage to elderly people on an individual sum insured basis.
Care Health Insurance (Formerly known as Religare Health Insurance) has designed the Care Senior Health Advantage plan for elderly people above the age of 60 years. It makes a perfect health plan for senior citizens as there is no maximum entry age and comes with a variety of add-on covers, including instant cover, OPD care, additional sum insured for defined critical illness, etc.
Cholamandalam Flexi Supreme is a suitable health insurance policy for senior citizens as it covers people up to 75 years and comes with a lifelong renewability option. It covers the insured elderly for both hospitalization and domiciliary treatment expenses.
Digit Health Insurance plan has been designed to suit the health needs of elderly people and cover their medical expenses. It provides coverage for a wide range of diseases, including COVID-19.
Future Generali Varishta Bima is an insurance policy that offers medical coverage to individuals of age 60 years and above. It makes a suitable health plan for senior citizens as it offers them customized coverage. Moreover, the plan is available on both individual and floater coverage basis.
The HDFC ERGO Optima Senior plan has been designed to provide medical coverage to senior citizens above the age of 60 years. The policy is available on individual as well as floater sum insured basis.
The ICICI Lombard Golden Shield plan covers the healthcare expenses of elderly people above the age of 55 years. People can either opt for an individual policy or include their spouse in a floater policy.
The IFFCO Tokio Individual Health Protector plan offers medical insurance to elderly people up to the age of 65 years making it an ideal choice for senior citizens. The plan offers coverage against an illness as well as injury and offers emergency medical assistance services.
The Liberty HealthPrime Connect plan offers medical coverage to individuals up to the age of 65 years against a variety of medical and hospitalization expenses. It comes with attractive benefits to provide hassle-free claims and renewals for elderly people.
Magma HDI OneHealth Senior is a suitable mediclaim policy for senior citizens as it has no maximum entry age limit and comes with a lifelong renewability option. The plan offers comprehensive coverage to meet the vast health needs of elderly people.
ManipalCigna Prime Senior is recommended for senior citizens as it covers elderly people up to the age of 75 years. Besides, it does not require applicants to undergo a health check-up before buying this plan.
The National Senior Citizen Mediclaim policy provides comprehensive coverage to elderly people against a host of medical adversities. It covers both HIV/AIDS and mental illness and is available on both individual and floater coverage basis.
The New India Assurance Senior Citizen Mediclaim policy offers comprehensive coverage to senior citizens at an affordable premium price. It also comes with specialized coverage, including artificial life maintenance, genetic diseases, and mental illness.
Niva Bupa (formerly known as Max Bupa) Senior First is a tailor-made health insurance plan for senior citizens that covers people up to the age of 75 years. Moreover, it covers annual health check-up costs from day 1 and offers unlimited recharge of the sum insured benefit.
The HOPE insurance plan from Oriental Insurance covers senior citizens above 60 years against the emergency and planned medical expenses. HOPE also offers coverage for 11 specified diseases, including cancer and stroke.
Raheja Health QuBE Insurance has been tailor-made to cover the varied health needs of elderly people up to the age of 65 years. The policy is renewable for a lifetime, which makes it a relevant choice for elderly people. It also covers the cost of medical check-ups and offers the sum insured recharge benefit.
Reliance Health Gain Insurance offers optimum medical coverage to senior citizens while promoting their overall wellness. Moreover, the policy comes with a policy service guarantee and a claim service guarantee.
Royal Sundaram Lifeline Health Insurance is a comprehensive insurance policy that offers an all-inclusive health cover to senior citizens without any upper entry age limit. This health policy is suitable for senior citizens because of its wide range of sum insured and extensive coverage benefits.
SBI Super Health Insurance is an ideal senior citizen medical insurance plan for elderly people, as it does not come with any entry age limit. Besides, the plan provides a variety of coverage benefits, including the health multiplier and reinsure benefit.
Star Health Insurance Company is one of the first insurers in India to design a health insurance plan catering to the selective needs of senior citizens. The Star Senior Citizen Red Carpet plan offers an extensive list of coverage and is available to senior citizens up to the age of 75 years.
Tata AIG MediCare Premier is a health insurance policy that covers senior citizens within India and abroad. It comes with a wide range of benefits without any sub-limits and is available on an individual and family floater basis.
United India Senior Citizen Health Insurance is a medical insurance policy for senior citizens up to the age of 80 years. It provides coverage for medical expenses incurred during hospitalization and home treatment.
The Universal Sompo Senior Citizen Health Insurance policy has been designed for individuals aged 60 years and above. It offers coverage to the policyholder as well as the spouse against a variety of medical exigencies.
The Zuno (formerly Edelweiss) Health Insurance plan is a perfect medical insurance policy for senior citizens as it comes with no upper entry age limit under the Platinum plan. This 1 crore health insurance plan covers the insured against several medical adversities and also offers recovery benefits.
The Zurich Kotak Health Premier plan is suitable for senior citizens up to the age of 65 years as it offers comprehensive coverage and comes with lifetime renewability. It also offers an annual health check-up facility for free.
*Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.
Health insurance is extremely essential for senior citizens considering their stage of life. Someone who relied on an employer health policy for all his/her life should not be left without health coverage post-retirement. Some of the leading health plans for senior citizens available in the market are mentioned above. You can compare these senior citizen health insurance plans on Policybazaar.com and choose the ideal health insurance plan for parents.
Health insurance is a crucial investment you can make to secure
Read morePregnancy is one of the most beautiful phases of a woman’s life
Read moreGetting a health insurance claim accepted for pre-existing
Read moreDengue, a common vector-borne disease, causes high fever, severe
Read moreDengue fever can negatively impact you physically and financially
Read moreAyushman Bharat Yojana, or Pradhan Mantri Jan Arogya Yojana (PMJAY), was launched by Prime Minister Shri Narendra
Read moreEvery medical insurance plan comes with a few terms & conditions, and the waiting period is one of them. A
Read moreSenior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
Read moreA vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
Read moreThe waiting period in medical insurance refers to the duration before which certain illnesses or diseases will not
Read more*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. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.
*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.
**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.
*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.
*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases
*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases
*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.
*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.
*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.
*The values taken for effective cost calculation are indicative values and may change as per the selected plan.
*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.
*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.
*The scope of coverage may vary from plan to plan.
~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ
##On ground claim assistance is available in 114 cities
Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.
STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.
Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies
© Copyright 2008-2024 policybazaar.com. All Rights Reserved.
Insurance
Calculators
Policybazaar Insurance Brokers Private Limited CIN: U74999HR2014PTC053454 Registered Office - Plot No.119, Sector - 44, Gurugram - 122001, Haryana Tel no. : 0124-4218302 Email ID: enquiry@policybazaar.com
Policybazaar is registered as a Composite Broker | Registration No. 742, Registration Code No. IRDA/ DB 797/ 19, Valid till 09/06/2027, License category- Composite Broker
Visitors are hereby informed that their information submitted on the website may be shared with insurers.Product information is authentic and solely based on the information received from the insurers.
BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS / FRAUDULENT OFFERS IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.
© Copyright 2008-2024 policybazaar.com. All Rights Reserved.