Health Insurance Comparison Chart For Senior Citizens

How to Select the Right Health Insurance Plan for Senior Citizens?

When finalizing a health policy for senior citizens, an individual must consider certain parameters like premium rates, coverage, benefits, features, exclusions, and terms & conditions. But before choosing a health plan, he/she should first analyze the coverage that he/she may need in the future. Keeping these health requirements in mind, the buyer should choose a policy that offers the required coverage.

Also, one should check the premium rates along with riders and the benefits available. Although the premium will be higher because of the increased age, buying health insurance is undoubtedly a great investment for senior citizens. An elderly person does not need to worry about his/her financial condition in case of unforeseen medical emergencies with a good health insurance plan.

Moreover, the policyholder can also avail of free preventive health check-up facilities under most senior citizens' health insurance plans.

Senior Citizen Health Insurance Comparison Chart

Below is a comparison chart of various health insurance policies for senior citizens based on major features:

Senior Citizen Health Insurance Plans	Entry Age	Sum Insured (Rs)	Pre-existing Diseases Covered	Medical Check-up
Aditya Birla Activ Care Health Insurance Plan	55 - 80 years	3 lakh to 25 lakh	From the 3rd year	Required
Bajaj Allianz Silver Health Plan	46 - 70 years	50,000 to 5 lakh	From the 2nd year	Required
Bharti AXA Complete Health Insurance Plan	18 years onwards	5 lakh to 50 lakh	From the 3rd year	Not required up to 45 years of age and Rs 10 lakh SI
Care Senior Health Insurance Plan	61 years and above	3 lakh to 10 lakh	From the 5th year	Not required
Cholamandalam Healthline Insurance Plan	18-65 years	2 lakh to 25 lakh	From the 5^th year	Not required up to 45 years of age
Digit Health Care Plus Plan	18 years onwards	Up to 3 crore	From 1^st/2^nd/3^rd/4^th/5^th year (as per plan coverage)	May be required
Edelweiss Health Insurance Platinum Plan	18 years onwards	15 lakh to 1 crore	From 3^rd/4^th/5^th year (as per plan type)	Required for applicants above 50 years and Rs 20 lakh SI
Future Generali Varishta Bima Plan	60 years onwards	2 to 10 lakh	From the 2nd year	Required for Rs 7.5 lakh SI and above
IFFCO Tokio Individual Medishield Plan	18 - 65 years	50,000 to 5 lakh	From the 4th year	Required after 60 years
Kotak Mahindra Health Premier Plan	18 - 65 years	2 lakh to 2 crore	From the 4th/5th year	Required after 55 years of age and Rs 50 lakh & above SI
Liberty Health Connect Plan	18 - 65 years	2 lakh to 15 lakh	From the 3rd/4^th/5^th year	Required after 55 years of age
Magma HDI OneHealth Insurance Plan	18 – 65 years	2 lakh to 1 crore	From 3^rd/4^th/5^th year	May be required
ManipalCigna ProHealth Insurance Plan	18 years onwards	2.5 lakh to 1 crore	From 3^rd/4^th/5^th year	May be required
National Senior Citizen Mediclaim Policy	60 - 80 years	1 lakh to 10 lakh	From the 3rd year	Required
New India Assurance Senior Citizen Mediclaim Policy	60 - 80 years	1 lakh, 1.5 lakh	After 18 months	Required
Niva Bupa Senior First Insurance Plan	61 – 75 years	5 lakh to 25 lakh	From the 3^rd year	Not required
Oriental Health of Privileged Elders Insurance Policy	60 years and above	1 lakh to 5 lakh	From the 3rd year	Required
Raheja Health QuBE Insurance Policy	18 - 65 years	1 lakh to 50 lakh	From the 5^th year	May be required
Reliance Health Gain Insurance Plan	18 - 65 years	3 lakh to 18 lakhs	From the 4th year	Required as per the age
Royal Sundaram Lifeline Insurance Plan	18 years onwards	2 lakh to 1.5 crore	From the 3^rd/4^th/5th year	May be required
SBI Arogya Premier Insurance Plan	18 - 65 years	10 lakh to 30 lakh	From the 5th year	Not required up to 55 years of age
Star Senior Citizens Red Carpet Health Insurance Plan	60 - 75 years	1 lakh to 25 lakh	From the 2nd year	Not required
Tata AIG MediCare Premier Plan	18 – 65 years	5 lakh to 50 lakh	From the 5th year	Not required up to 45 years of age
United India Individual Health Insurance Policy	61 - 65 years	2 lakh to 5 lakh	From the 5th year	Required
Universal Sompo Senior Citizen Health Insurance Plan	60 – 70 years	1 lakh to 5 lakh	From the 3^rd year	Required

Apart from these plans, people can also check out various other senior citizen health policies available in the market and compare the benefits provided. Doing so helps to select the policy which best meets their medical requirements.

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

In a Nutshell

Choosing the right health insurance plan for a senior citizen is a big responsibility. With the comparison chart above, you can easily compare the benefits and waiting periods of different policies and buy the one that best suits your needs. Make sure to check the premiums before buying with the help of a health insurance premium calculator online on websites like Policybazaar.com