Health Insurance Comparison Chart for Senior Citizens in India

Health insurance for senior citizens is a must for the secure and stress-free future of elderly people. Today, there are numerous health insurance plans for senior citizens with different pros and cons. A proper comparison of different plans can make the selection process easier. Read on to compare various senior citizen health insurance plans.

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      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 5th year

      Not required up to 45 years of age

      Digit Health Care Plus Plan

      18 years onwards

      Up to 3 crore

      From 1st/2nd/3rd/4th/5th year (as per plan coverage)

      May be required

      Edelweiss Health Insurance Platinum Plan

      18 years onwards

      15 lakh to 1 crore

      From 3rd/4th/5th 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/4th/5th year

      Required after 55 years of age

      Magma HDI OneHealth Insurance Plan

      18 – 65 years

      2 lakh to 1 crore

      From 3rd/4th/5th year

      May be required

      ManipalCigna ProHealth Insurance Plan

      18 years onwards

      2.5 lakh to 1 crore

       From 3rd/4th/5th 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 3rd 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 5th 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 3rd/4th/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 3rd 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

       

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      *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.

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