Get <strong>₹5 Lac</strong> Health Insurance starts <strong>@ ₹315/<span>month*</span></strong>
Get ₹5 Lac Health Insurance starts @ ₹315/month*
Get ₹5 Lac Health Insurance starts @ ₹315/month*
250+ Plans 18 Insurance Companies
₹ 5 Lakh Coverage @ ₹ 10/day
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

Health Insurance Comparison Chart For Senior Citizens in India

Health insurance is something which is required by people of every age. Phew! No more of worries related to high medical bills, emergency treatments or day care procedures as medical insurance has come like a savoir for all. Health insurance for senior citizen is one of the essentials which are must for their secured and stress free future. Today, there are numerous insurance companies which provide health insurance for seniors and all the policies come with different pros and cons. The selection of a good plan from the sea of such health policies might sound a bit tricky, and actually, this step should be taken after a thorough R&D. An individual should check the cover and decide on the things he/she needs in future.

 

Also, one should check the premium rates along with riders and benefits available. Well, the premium is likely to be higher because of the age factor, but it is undoubtedly a great investment for seniors. An elderly person does not need to agonize about financial condition in case of unforeseen medical emergencies and can easily go for free health check-ups with a good health insurance plan.

When finalizing a policy, an individual must take care of certain parameters like- premium rates, cover or benefits, features, exclusions and terms & conditions.

You may also like to Read: Tax Benefits under Section 80C

Health Insurance Comparison Chart

Analyzing the following points, below is a comparison chart of some of the health insurance policies on the major features:

Senior Citizen Health Insurance Plans Name

Insurer

Entry Age

Sum Assured

Pre-existing Diseases Covered

Medical Check-up

Activ Care Senior Citizen Health Insurance

Aditya Birla Health Insurance

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 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

5lakhs-1 Crore

From the 2nd year

-

Individual Healthline Plan

Cholamandalam Health Insurance

Up to 65 years

2-25 lakhs

-

Not required up to 55 years of age

Digit Health Insurance

Digit Health Insurance

N/A

N/A

N/A

N/A

Health Insurance Platinum Plan

Edelweiss Health Insurance

Any age

15 lakhs- 1 Crore

-

Required

Health Suraksha Individual Plan

Future Generali Health Insurance

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 Insurance (formerly known as Apollo Munich Health)

61 and above

2- 5 lakhs

From the 3rd year

Required and reimbursed only 50%

my:health Medisure Classic Insurance

HDFC ERGO General Health Insurance

No upper age limit

2-5 lakhs

From the 3rd year

Not Required

Individual Medishield Plan

IFFCO Tokio Health Insurance

3 months- 80 years

50,000- 5 lakhs

From the 3rd year

After 60 years

Kotak Mahindra Family Health Plan

Kotak Mahindra Health Insurance

Up to 65 years

2-100 lakhs

From the 2nd year

-

Liberty Health Insurance

Liberty Health Insurance

Up to 65 years with lifetime renewal

2-15 lakhs

from the 2nd year

Required after 55 years of age

Heartbeat Plan

Max Bupa Health Insurance

entry age up to 65 years

2-50 lakhs

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 Health 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 Assurance Health Insurance

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 Health Insurance

60 years and above

1- 5 lakhs

From the 2nd year

Required from specific diagnostic centers

Religare Care Freedom Health Plan

Religare Health Insurance

46 years and above

3-10 lakhs

From the 2nd year

Required ( as per the case)

Raheja QuBE Health Insurance Policy

Raheja QBE Health Insurance

Up to 65 years

1- 50 lakhs

-

-

Lifeline Elite Plan

Royal Sundaram Health Insurance

No Age bar

25 lakhs-1.5 Crores

From the 2nd year

-

Health Gain Insurance Plan

Reliance Health Insurance

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 Insurance

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 Health Insurance

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 Health Insurance

61 and above

2- 5 lakhs

From the 4th year

Required and reimbursed only 50%

United India - Senior Citizen Mediclaim Policy

United India Health Insurance

61 - 80 years

1 - 3 lakhs

From the 4th year

Required and reimbursed only 50%

Senior Citizen Health Insurance Plan

Universal Sompo Health Insurance

60 years and above

1 - 5 lakhs

24 months

Required

Apart from these plans, one can check out various other policies and compare the benefits provided. This process helps to select the policy which best meets your requirement.

You may also like to Read: Deduction under Section 80D for AY 2016-17

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

Written By: PolicyBazaar - Updated: 28 August 2020
5,020,359 Confirmed Cases in India*
34,478,590 Confirmed Cases worldwide*
931,582 Confirmed deaths worldwide*
Search
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

You May Also Want to Know About

Top Maternity Insurance Plans

Top Maternity Insurance Plans

Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood. Though rearing a child is an expensive affair and may require good financial backup to meet the requirements of a growing baby. From ho...
Health Insurance for Parents

Health Insurance for Parents

Are you planning to buy health insurance for your parents? Well, the Indian Insurance market is currently flooded with healthcare plans specifically designed for senior citizens or elderly parents above 60 years. And many insurance providers also o...
Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance

Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance

There has always been a doubt in customers mind about whether the private company will keep its side of the bargain i.e. it will settle the claim or not. A customer spends premium annually which will cover his medical expenses but there’s always ...
Best Health Insurance Plans for Senior Citizens in 2020

Best Health Insurance Plans for Senior Citizens in 2020

Considering the increasing percentage of medical inflation in India, it has become an absolute necessity to buy adequate health insurance for your loved ones. And if they are your elderly parents, then it is all the more imperative to get them medi...
Here’s the Difference between Health Insurance and Mediclaim

Here’s the Difference between Health Insurance and Mediclaim

Imagine you’re looking for a job change. You get an interview call for a job. What will be your plan of action? Will you get your resume ready and prepare for the interview or you will try to extract all the possible information about the job pro...
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL