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.

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    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: 26 July 2021
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    Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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