Health Insurance Comparison Chart For Senior Citizens

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