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Can I Get Health Insurance If I am above 70 Years?

Everywhere it is mentioned to buy a health plan at a young age. But what if someone needs to at 70 years of age? Would it still be possible?

Well, the good news is that there are a number of senior citizen health insurance plans that offer medical insurance cover to people who are older than 70 years. So if you are looking one for yourself or if you want to provide medical insurance cover to your aging parents then we have got a list of health insurance plans for senior citizens that would solve the purpose.  However, do remember that the cost of health insurance plans for elderly is usually expensive that’s why it is advisable to buy it at an early age. But that’s no excuse to skip buy health insurance cover as the coverage offered is much higher than the total cost of health insurance premium.

Here is a quick rundown of some of the best senior citizen health insurance policies that you can consider buying for your elderly parents. Check out their benefits and features and you can buy any of these for parents who are above 70 years of age:

Senior Citizen Red Carpet Health Insurance Plan by Star Health

This health insurance policy is for people between 60 to 75 years of age. The coverage is provided on an individual basis and the benefits that you can avail are as follows:

  • No pre-insurance medical screening is required
  • Pre-existing diseases can be covered after a period of 2 years
  • Out-patient medical consultations in a panel hospital
  • Up to Rs.10 lakhs sum insured limit
  • The easy lifelong policy renewal process
  • Emergency ambulance charges to be reimbursed up to a specified limit
  • Post-hospitalization expenses to be paid as lump sum amount up to a specified limit
  • Coverage for specific day-care procedures
  • Sub-limits are applicable to certain specified illnesses
  • Pre-hospitalization, in-hospitalization and in-patient treatment expenses are covered

Care Freedom Plan By Religare

This health plan is perfect for your parents above 70 years as the minimum entry age is 46 years and there is no cap on maximum age. And the rest of the features are as follows:

  • Sum insured option - 3 lakhs, 5 lakhs, and 7/10 lakhs
  • Can be both floater and individual plan ( can include up to 6 family members)
  • 30 days of initial waiting period from policy inception date
  • In-patient Care up to the sum assured limit
  • Daycare treatment for selected treatments up to the sum assured limit
  • Annual health check-ups including - blood test with ESR, blood sugar, lipid profile, kidney functioning test, urine routine, etc.
  • Pre and post hospitalization expenses to be reimbursed up to 10% of total payable hospitalization expenses
  • Consumable allowance paid in lump sum  for each day of hospitalization ( covered after 3 days of hospitalization for a maximum of 7 days)
  • Domiciliary hospitalization expenses covered up to the sum assured limit after 3 days of treatment at home.
  • Dialysis cover up to Rs. 1000 per visit for consecutive 2 years
  • Policy tenure can be 1 to 3 years
  • Sub-limits applicable ( check policy documents for the same)
  • Ambulance expenses cover up to Rs. 1000 per hospitalization
  • Companion benefits for hospitalization exceeding more than 10 days
  • 100% reinstatement of sum insured on exhaustion of sum assured

TATA AIG Medi Senior Plan

Anyone above 60 years of age can buy this health insurance plan and the sum insured options are- Rs. 2 lakhs, Rs. 3 lakhs and Rs. 5 lakhs:

  • You can cover yourself and your spouse under this senior citizen health insurance plan
  • 140-day care procedures are covered
  • Coverage can be provided to self and family on individual sum insured basis
  • There is no limit on the maximum entry age, which makes it perfect for senior citizens above 70 years of age
  • Domiciliary treatment and organ donor expenses are also covered
  • Pre-existing diseases are covered after completion of 48 months
  • Tax saving benefits under Section 80/D of IT Act.

ICICI Lombard's Complete Health Insurance Plan

Anyone starting from 6 years of age can be insured and your parents (above 70 years) can be insured without any age restriction. It is a family floater plan, children aged between 3 months to 5 years can be insured as well and the coverage offered is as follows:

  • The sum insured ranged between Rs.3 lakhs to Rs. 50 lakhs
  • Emergency ambulance cover up to Rs.1500
  • On renewal, you can avail an additional sum insured of 10% for every non-claim year up to a maximum of 50%. If you happen to make a claim, then your total sum insured will be reduced by 10% in the subsequent year
  • There is a wellness program, for health tips and to promote healthy behavior
  • Once you complete 2 years, pre-existing diseases will be covered as well
  • Lifelong policy renewability
  • No pre-medical check-up required up to the age of 46 years and if the sum insured is up to 10 lakhs
  • Free look period of 15 days in which you can decide if you want to keep the policy or cancel it
  • Value-added services like online consultation with doctors, e-consultation with specialists, nutritionist, dietician, physiotherapist, vaccination, and other information
  • Tax saving benefits under sec 80/d of the Income-tax act

Now that you know that there are special health insurance plans that offer coverage to senior citizens, you can choose any of the above-mentioned senior citizen health insurance plans for your parents.  In order to select the right mediclaim policy make sure that you go through the health insurance policy wordings for claim process, exclusions, waiting periods, and any other terms and conditions. Also, check for the add-on benefits that you can opt for to enhance the policy coverage.  Do check the list of Network hospitals where your parents can avail cashless medical treatment.

Long Story Short

So, you do not fret when buying medical insurance for your elderly parents in India. As you can see there are various senior citizen health insurance plans that are available to ensure that your parents get the best medical treatment in some of the best hospitals.

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