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Health insurance for senior citizens are some of the top-selling plans in India. Our elders require special care which is duly fulfilled by comprehensive health insurance for senior citizens. These plans offer benefits like home care, domiciliary hospitalization, ambulance charges, daycare procedures, OPD, daily hospital cash, and much more.
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- Health Insurance For Senior Citizens
- What Is Health Insurance For Senior Citizens?
- Best Health Insurance For Senior Citizens
- Key Features
- Things to Consider
- Faq's
Health Insurance For Senior Citizens: An Introduction
Investing in the best health insurance for senior citizens is crucial for their overall well-being. As you grow older new health ailments challenge you. Treating health ailments for senior citizens without a senior citizen mediclaim policy is expensive and can drain your life savings quickly. Investing in health insurance for senior citizens not only aids you financially but provides you with access to quick and quality medical care.
Mediclaim for senior citizens is your assistant keeping you up-to-date with your health. The plans offer holistic coverage against OPD consultations, hospitalization expenses, diagnostics, and more.
Read more to find the best health insurance for senior citizens in 2024 along with their key features.
What Is Health Insurance For Senior Citizens?
Health insurance for senior citizens is designed specifically to cater to the medical care needs of individuals over the age of 60 years. A senior citizen health insurance plan provides facilities like pre and post-hospitalization expenses, critical illness coverage, pre-existing diseases coverage, and more.
The best health insurance for senior citizens also has features like lifelong renewability, coverage for AYUSH treatments, surgery expenses, and more.
What Are The Best Health Insurance For Senior Citizens 2024
We have rounded up the best health insurance for senior citizens based on their features, premiums, base sum insured, pre-existing disease coverage, and more.
| Senior Citizen Health Insurance | Eligibility | Sum Insured | Pre-Existing Disease Cover | Starting Premiums (In Rs.) |
|---|---|---|---|---|
 Manipal Cigna Prime Senior | Entry Age- 55 Years | 3 to 50 L | Covers from 2nd year Option to reduce it to 90 days | Rs. 1,933/- Per month |
 Niva Bupa Senior First | Entry Age - 61 Years | 5 to 25 L | Covers from 2nd year | Rs. 3,103/- Per month |
 Care Senior | Entry Age - 61 Years | 3 to 10 L | 4 years of continuous coverage | Rs. 2598/- Per month |
 Star Senior Citizen Red Carpet Health Policy | Entry Age - 60 Years | 1 to 25 L | Covers from 2nd year | Rs. 2,213/- Per month |
 TATA AIG ElderCare | Entry Age - 61 Years | 5 to 25 L | Covered after 2 years | Rs. 3,441/- Per month |
 Aditya Birla Activ Care | Entry Age - 55 Years | 3 to 25 L | Covered after 2 years | Rs. 2,016/- Per month |
 HDFC Ergo my:health Suraksha Silver Smart | Entry Age - 18 Years | 3 to 50 L | Covered after 4 years | Rs. 1,849/- Per month |
 New India Assurance Sixty Plus Mediclaim Policy | Entry Age - 60 Years | 2 to 5 L | Covered after 4 years | Rs, 1,184/- Per month |
 National Senior Citizen Mediclaim Policy | Entry Age - 60 Years | 1 to 10 L | Covered after 2 years | Rs. 2,780/- Per month |
Key Features Of The Best Health Insurance For Senior Citizens
Mentioned below are the key features of all the senior citizen health plans
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ManipalCigna Prime Senior
ManipalCigna Prime Senior is one of the best senior citizen health plans, it is available in 2 variants - Classic & Elite. The sum insured ranges between 3 to 50 Lakhs along with offering multiple value-added benefits, like 'Premium Waiver benefit', 'Discount on Pharmacy, Diagnostics', and more.
Why We Recommend It?
- Reduce PED (Pre-existing Diseases) coverage waiting period from 2 years to 90 days with an optional cover with the ManipalCigna Prime Senior plan
- Your sum insured will be restored fully (100%) and multiple times for related or unrelated illnesses/injuries
- Availing of treatments and medical care services from network providers entitles you to discounts on pharmacy, diagnostics, medical devices, health supplements, and other services offered.
- The plan is available in Individual/Multi-individual and Family Floater options
- Connect with your doctor unlimited times through phone or chat
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Niva Bupa Senior First
With features like Health Check-ups from Day 1 & unlimited base sum insured for long-term treatments, Niva Bupa Senior First is a versatile plan. The plan is available in 2 variants, namely Gold and Platinum.
Why We Recommend It?
- You are eligible for health check-ups and daycare coverage from day 1 of your coverage
- Avail of treatments for common health conditions like cataracts, joint replacements, cancer, or any other common health condition
- Reassure benefits for long-term treatments and multiple illnesses provides unlimited reinstatement of the base sum insured after the 1st claim itself
- To lower overall premiums you have the option of cost-sharing with co-payment and deductible options
- Optional benefits to increase annual coverage as per inflation rate
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Care Senior
A comprehensive health plan designed to cater to senior citizens with no pre-policy medical check-ups. Care Senior plan offers multiple discounts and coverage for more than 540 daycare procedures.
Why We Recommend It?
- Care Senior First is available to senior citizens with an adequate sum insured ranging between 3 to 10 L
- The plan comes with affordable premiums every month which help you save your hard-earned savings
- Care Senior does not require you to undergo a pre-policy medical check-up
- Optional benefit to reduce your PED waiting period from 4 years to 2 years
- Avail of a second opinion for your convenience from a different doctor for specific illnesses
-
Star Senior Citizen Red Carpet Health Policy
Designed for the elderly, the Senior Citizen Red Carpet Health Policy is among the best senior citizen health plans.
Why We Recommend It?
- Flexible sum insured options available ranging from INR 1 to 25 Lakhs
- Make your premiums affordable with a co-payment clause and share the cost of the plan
- Avail preventive health check-ups up to the mentioned sub-limits in the plan for every claim-free year
- Premium can be paid Quarterly and Half-yearly. Premium can also be paid Annually, Biennial (Once in 2 years), and Triennial (Once in 3 years).
- Avail of lifetime renewability benefit ensuring continuous coverage for you and your spouse
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TATA AIG ElderCare
TATA AIG ElderCare is designed to cover the elderly in their golden years. Live a stress-free life as the plan takes on all your medical care expenses.
Why We Recommend It?
- You are eligible for a 20% discount on premiums on family floater health plan
- Avail preventive check-ups once every policy year for preventive dental, eye, and orthopaedic consultation
- A maximum of INR 20,000 over and above the policy base sum insured is available to cover recommended OPD diagnostics
- Focus on your recovery with TATA AIG ElderCare as it provides up to 10 physiotherapy sessions in India
- Multiple wellness services like teleconsultations, diet and nutrition consultations, discounts on diagnostic tests, medicine, medical devices, health supplements, and other health-related services
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Aditya Birla Activ Care
Enroll yourself in this unique senior citizen health plan from the age of 55 years. Aditya Birla Activ Care is an efficient health plan with a long list of exclusive features.
Why We Recommend It?
- If you are stuck in a medical emergency international or domestic, air ambulance assistance is available
- The plan not only focuses on treatment but keeps you motivated towards a healthy lifestyle with features like a personal health coach, and a second e-opinion
- Avail of a health and wellness discount on premiums
- Hire a qualified nurse for your recovery without worrying about the expenses as the plan covers the same
- Lifestyle support equipment facility is covered under the plan to support you during turbulent times
-
HDFC Ergo my:health Suraksha Silver Smart
HDFC Ergo my:health Suraksha Silver Smart is a 360-degree senior citizen health plan to take care of you during your retirement years. It is loaded with multiple features and a wide range of sum insured options between 3 to 50 Lakhs.
Why We Recommend It?
- Medically necessary hospitalization at home on a cashless basis is available if prescribed by the doctor
- If your treatment requires an organ transplant, the expenses for organ harvesting will be covered by this plan
- If you want to explore Ayurveda, Homeopathy, or other AYUSH treatments other than allopathy your plan will cover the expenses for you
- No-claim bonus of up to 50% will be available under the plan
- On maintaining good health you are eligible for a 50% discount at renewal
-
New India Assurance Sixty Plus Mediclaim Policy
New India Sixty Plus Mediclaim Policy is a unique senior citizen health insurance plan designed by New India Assurance with multiple features covering age-related health issues and disorders.
Why We Recommend It?
- Affordable health insurance plan with sum insured options between 2 to 5 L
- If you wish to port your senior citizen health insurance plan, with the New India Assurance Senior Citizen plan you can avail of the same
- Genetic diseases or disorders are covered with a sub-limit of 25% of the sum insured
- With age comes physical challenges such as Age-Related Macular Degeneration (ARMD) which is covered by the plan
- Treatment for any symptoms, illness, or complications arising due to physiological conditions associated with menopause such as menopausal bleeding or flushing is covered only as an inpatient procedure after 24 months of continuous coverage
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National Senior Citizen Mediclaim Policy
National Senior Citizen Mediclaim Policy is a simple and easy health insurance for senior citizens with affordable premium prices. The plan offers coverage for AYUSH treatments, hospitalization expenses, domiciliary hospitalization, and more.
Why We Recommend It?
- Available in 2 plan variants namely Plan A and Plan B for your convenience
- On spending 2 claim-free years, you are eligible for preventive health check-ups up to specific sub-limits
- Senior citizens are covered for HIV and mental illnesses
- If you are someone suffering from diabetes, hypertension, etc. this has to be your go-to plan
- If you are injured or hospitalized due to a road accident, the sum insured will be reinstated
Tax Benefits For Senior Citizen Mediclaim Policy
Section 80D of the Income Tax Act, 1961 provides a tax deduction of up to INR 50,000 for senior citizens. A tax benefit is guaranteed for every individual who purchases a senior citizen's health insurance. A tax benefit of INR 5,000 is also available for any expenses paid towards preventive health check-ups.
Do You Need Separate Senior Citizen Health Insurance?
With the current rise in medical care costs, investing in senior citizen health insurance is a no-brainer. Safeguard your life savings from being drained in hefty hospital bills and invest in a senior citizen health plan separately.
- With a 14% medical inflation rate in India, the highest among Asian countries, tackle the medical crisis with a senior citizen health plan.
- We all know critical ailments like cancer, heart ailments, and kidney failure require prolonged medical treatments and are commonly diagnosed in old age. Gain immunity against critical illness treatment expenses with senior citizen health insurance.
- Regular health check-ups are an essential and useful feature in senior citizen health plans which benefit the elderly greatly.
- Save your hard-earned savings to enjoy your golden years and let the senior citizen health plan take care of your medical expenses.
- Purchasing a separate senior citizen health plan apart from family health insurance guarantees a tax rebate of up to INR 50,000.
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Buy The Best Senior Citizen Health Insurance With PolicyX
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Fret not, with tools like premium calculator, price index , and one-on-one consultation with our insurance experts, you can select the best senior citizen health insurance.
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Health Insurance For Senior Citizens: FAQs
1. What is a senior citizen health insurance plan?
A senior citizen health plan is a financial safety net for elderly individuals between the age group of 60 to 80 years. These health plans offer financial coverage for hospitalization expenses, and give you access to quality medical care without worrying about the growing costs.
2. What will I be covered for under a senior citizen health plan?
A senior citizen health plan covers you for:
- Pre and post-hospitalization expenses
- Daycare procedures
- Surgeries
- Home care treatments
- Diagnostics and OPD care
3. Can I cover my spouse in a senior citizen health plan?
Yes, many health insurance providers offer discounts on covering 2 members under a single senior citizen health plan.
4. What is the tax benefit under a senior citizen health insurance plan?
You are eligible for a tax rebate of INR 50,000 as per the existing income tax laws in India.
5. Are pre-existing conditions like diabetes covered under a senior citizen health plan?
Yes, pre-existing conditions are covered under a senior citizen health plan after serving a waiting period between 2 to 4 years as specified in the policy document.
6. Why is it important to buy senior citizen insurance plans?
Elderly people are more likely to have pre-existing diseases whose treatment can exhaust all their savings. Therefore, you should opt for a senior citizen health insurance plan with a minimum waiting period for pre-existing diseases.
7. Do all senior citizen health insurance plans come with a co-payment clause?
Yes, co-payment is mandatory in all senior citizens' health insurance plans. One can opt for a higher co-payment to lower their premiums, or add a co-payment waiver rider for higher premiums.
8. Is there any need for medical checkups while buying health insurance for senior citizens?
Yes, to purchase a health insurance policy for senior citizens you need to undergo a medical checkup.
9. Does medical insurance for senior citizens offer coverage against critical illnesses?
Yes, critical diseases are covered by senior citizens' insurance policies.
10. Do insurance companies offer annual health checkups under senior citizen health insurance?
Yes, most of the senior citizen health policies offer free health check-ups annually or as per individual plan features.
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What Our Customers Have to Say
Achintya Sharma
Ranchi
May 10, 2024
I’ve been covered by HDFC ERGO Platinum Health Guard plan for years now, and it has been a lifesaver. The coverage is extensive, and the claim process is so easy. I highly recommend the p...
Parag Mehta
Jamshedpur
May 10, 2024
I’m impressed with the assistance of the ManipalCigna Prime Senior Insurance policy that I’ve bought for my father. I don’t fear now being a NRI because I’m assured of h...
Anshul Garg
Vishakapatnam
May 10, 2024
The ManipalCigna LIfestyle Protection Critical Care Policy has coverage for up to 30 critical illnesses with a sum insured of up to 25 Crores. If you’re searching for a policy like this, ...
Shivalika Varghese
Delhi
May 10, 2024
If you are searching a health insurance like ManipalCigna ProHealth choose that offers straightforward claim assistance and the flexibility to optimize your coverage, go for it.
Pratibha Chandrakar
Kolkata
May 10, 2024
I was majorly focused on pre and post-hospitalization expenses coverage and found the best health coverage for these with the ManipalCigna ProHealth insurance policy.
Kanupriya Ghadge
Nagpur
May 10, 2024
For anyone who’s looking for a comprehensive health insurance policy, I would recommend buying the ManipalCigna ProHealth Prime insurance plan as it provides maximum coverage.
Neelam Sharma
Bengaluru
May 10, 2024
Star health has been my health insurer for more than 2 years and I am happy. Thanks to PolicyX for suggesting me Star Health
Adi Kukreja
Jalandhar
May 10, 2024
My wife fell ill and was diagnosed with jaundice, due to which she had to be hospitalised for a week. But Star’s Family Health Optima Insurance Plan helped me pay the bill and PolicyX mad...
Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.
