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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 |
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 |
46 - 70 years |
50, 000 - 5 lakh |
From the 2nd year |
After 46 years of age |
|
|
Bharti Axa Senior Citizen |
18-65 years |
5lakhs-1 Crore |
From the 2nd year |
- |
|
|
Individual Healthline Plan |
Up to 65 years |
2-25 lakhs |
- |
Not required up to 55 years of age |
|
|
Digit Health Insurance |
N/A |
N/A |
N/A |
N/A |
|
|
Health Insurance Platinum Plan |
Any age |
15 lakhs- 1 Crore |
- |
Required |
|
|
Health Suraksha Individual Plan |
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 |
No upper age limit |
2-5 lakhs |
From the 3rd year |
Not Required |
|
|
Individual Medishield Plan |
3 months- 80 years |
50,000- 5 lakhs |
From the 3rd year |
After 60 years |
|
|
Kotak Mahindra Family Health Plan |
Up to 65 years |
2-100 lakhs |
From the 2nd year |
- |
|
|
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 |
entry age up to 65 years |
2-50 lakhs |
From the 2nd year |
Based on the age of the insurer |
|
|
Lifestyle Protection Accident Care |
entry age up to 65 years |
50,000- 10 Crores |
- |
- |
|
|
Varishtha Mediclaim Policy for Senior Citizens |
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 |
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 |
60 years and above |
1- 5 lakhs |
From the 2nd year |
Required from specific diagnostic centers |
|
|
Religare Care Freedom Health Plan |
46 years and above |
3-10 lakhs |
From the 2nd year |
Required ( as per the case) |
|
|
Raheja QuBE Health Insurance Policy |
Up to 65 years |
1- 50 lakhs |
- |
- |
|
|
Lifeline Elite Plan |
No Age bar |
25 lakhs-1.5 Crores |
From the 2nd year |
- |
|
|
Health Gain Insurance Plan |
Entry up to 65 years |
3-18 lakhs |
From the 3rd year |
Required as per the age |
|
|
Senior Citizen Red Carpet Health Insurance Plan |
60 - 75 years |
1-10 lakhs |
Coverage from the 2nd years of the policy |
No pre-acceptance medical test required |
|
|
Arogya Top Up Policy |
Entry up to 65 years |
1-5 lakhs; |
From the 4th year |
After 55 years of age |
|
|
MediSenior Health Insurance |
61 and above |
2- 5 lakhs |
From the 4th year |
Required and reimbursed only 50% |
|
|
United India - Senior Citizen Mediclaim Policy |
61 - 80 years |
1 - 3 lakhs |
From the 4th year |
Required and reimbursed only 50% |
|
|
Senior Citizen Health Insurance Plan |
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
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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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