Health
How to pick the best health insurance plan for senior citizens?

In this COVID-19 situation, elderly people are at the highest risk. Although almost all of them are double vaccinated, the risk factor still remains. And even if we do not consider COVID-19, we should take our elderly parents for regular health checkups. Not everyone’s budget is the same; therefore it can be a little expensive for some of us. In one such case, you must go for a health insurance policy.
When you have a health insurance policy, several things are covered under that plan. In the majority of the plans, things like health checkups, hospitalization expenses, pre-hospitalization and post-hospitalization costs, pharmacy costs are covered. So let us discuss some of the best health insurance for senior citizens.
Some sought-after senior citizen health insurance plans in India
While you look for health insurance plans in the country for senior citizens, you will come across many of them. Choosing from the heap of options can be a little challenging. Well, to make things a little easier for you, here we are listing a few of the best senior citizen health insurance plans.
HDFC Ergo General Insurance – My Health Suraksha
My Health Suraksha from HDFC Ergo General Insurance is one of the best senior citizen plans that you can opt for. The benefits that you can find from this plan include:
- In-patient hospitalization costs
- Pre-hospitalization and post-hospitalization costs
- Organ donor costs
- Sum insured rebound available
Care Health Insurance – Care Senior
Care Senior from Care Health Insurance is yet another health insurance plan for elderly people which can be opted for without a second thought. The highlights of the plan are:
- In-patient hospitalization costs
- Pre-hospitalization and post-hospitalization costs
- Ambulance costs
- Domiciliary costs
- Organ donor costs
Related: 7 Factors to Consider When Picking Insurance Providers
Star Health & Allied Insurance – Red Carpet
Red Carpet is also one of the best health insurance policies for senior citizens, which is offered by Star Health & Allied Insurance. The benefits of the plan include:
- In-patient hospitalization costs
- Pre-hospitalization and post-hospitalization costs
- Daycare costs
- Ambulance costs
- Health check-up
Future Generali Health Insurance – Varishta Bima
Varishta Bima from Future Generali Health Insurance is also one health insurance policy for senior citizens that you can go for without any doubt. Here are the benefits that you can expect from the policy.
- In-patient hospitalization costs
- Pre-hospitalization and post-hospitalization costs
- Road ambulance costs
- Daycare treatments
HDFC Ergo General Insurance – Optima Restore
Optima Restore is offered by HDFC Ergo General Insurance for senior citizens in India. The benefits that you can get from this plan are mentioned herein below:
- In-patient hospitalization costs
- Pre -hospitalization and post-hospitalization costs
- Daycare costs
- Road ambulance costs
- Domiciliary hospitalization costs
Related: What Is a Health Insurance Deductible?: The Facts You Need to Know
Some of the features of senior citizen health insurance plans
Mentioned herein below are some features of health insurance plans for senior citizens.
- The sum insured under the senior citizen health insurance plans are higher so that the elderly people can get the best health insurance coverage during their treatment
- You can come across several health insurance plans for senior citizens which come with lifetime renewability benefits. This means, once you buy it, you can renew it several times as per your needs. However, you need to make sure that you pay the premiums regularly.
- With a senior citizen health insurance plan, you can get wide coverage benefits. These include coverage for a particular ailment, emergency ambulance, and many more.
- The health insurance plans for senior citizens provide coverage for pre-existing ailments; however, after a particular waiting period. You must be aware of the fact that the waiting period may vary from one insurer to the other.
Now to find the best health insurance plans for senior citizens, you must take a look at the website of IIFL.
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