Top Health Insurance For Senior Citizens in India

 Senior citizens are more prone to disease, and their injury also takes a long time in healing. And at that age everyone needs financial security, to cope with these types of health issues there are several insurance companies which provide health insurance for senior citizens. So read this post further to know which are the topmost health insurance policies for senior citizens in India.

HDFC Ergo General Insurance Company Limited

The company will provide you with the following benefits if you buy health insurance for senior citizens from it -

  • Recharges your exhausted health cover for your next hospitalization

  • Pay for the health insurance in instalments 

  • If the treating doctor recommends you to be treated at home, you can avail cashless medical facilities at home as well.

  • The HDFC Ergo health insurance for senior citizens will cover your medical hospitalization for illnesses and injuries 

  • Your pre and post hospitalization expenses get covered such as costs for diagnostics, investigation etc. for up to 60 days of admission and post-discharge till 180 days.

  • Surgeries and treatments in less than 24 hours

  • Therapies like Ayurveda, Unani, Siddha and Homeopathy 

  • Organ donor expenses for harvesting a major organ transplant

  • For more than 10 days stay at a hospital or nursing home, the company will pay for other financial losses of the insured

The above-mentioned coverage is not applicable to all the HDFC ERGO Health plans. So read the health insurance for senior citizens policy wordings, brochure and prospectus of my: health Suraksha Insurance (Silver Plan), my: health Suraksha (Gold Plan) and my: health Medisure Super Top-up.

ICICI Lombard 

From the ICICI Lombard health insurance for senior citizens, you will get the following list of benefits that are mentioned below -

  • Under the ICICI Lombard Senior Citizen Health Insurance, you can get the Sum insured options of INR 5 lakh and INR 10 lakh, so choose your plan as per your requirement. 

  • Get tax benefits under Section 80D of Income Tax Act2 on your health insurance 

  • Get cashless approvals for your health insurance within 4 hours

  • Avail the cashless facility in just 3 steps online process

  • Benefits on hospital room up to a single private room

  • Donor expenses will be covered up to the policy Sum Insured

  • You can also get the Domestic Air Ambulance cover up to 10% of the Sum Insured

  • For Alternate Treatment the cover is up to 10% of the Sum Insured

  • The insured declared and accepted pre-existing diseases will be covered after a waiting period of 2 years

  • A 20% co-payment is applicable in each and every claim

Who are Eligible for the ICICI Lombard Health Insurance for Senior Citizens 

To buy a senior citizen insurance from ICICI Lombard, you have to meet the following eligibility criteria.

  • You should fall in the age bracket of 56 to 75 years

  • This health insurance for senior citizens is for the ICICI Bank customers that is extended for dependent families only.

  • Under the policy, only a maximum of 2 adults can be covered

Have you turned 60, and want to live a stress-free life with no health expenses worries, it’s time for you to buy health insurance for senior citizens. Because this is an age that calls for more caution in terms of health. As you know the post-retirement period does not always go as planned. And with the increasing health risks, your life can be upside down. So, buy health insurance for senior citizens, and make the most of this phase of your life happy and blissful. 

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