Acko Senior Citizen Health Insurance
  • High Sum Insured
  • Tax Benefits
  • Inclusions & Exclusions
Acko Senior Citizen Health Insurance
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Acko Health Insurance For Senior Citizens

Acko Health Insurance for Senior Citizens is an ideal choice for those looking forward to protecting their health as well as their hard-earned savings. A senior citizen’s health insurance will secure your golden years with comprehensive health care features and benefits. Acko Health Insurance for senior citizens helps insured individuals secure their health and wellness and facilitates medical care costs acting as a safety net. 

Senior citizens require efficient medical care with growing age as they are prone to multiple health complications and ailments. Receiving timely medical care with Acko Health Insurance for Senior Citizens will ensure a stress-free lifestyle. The insurance plan will cover hospitalization expenses, consultation charges, annual health check-ups, and more.  This article covers Acko Health Insurance for Senior Citizens benefits, features, eligibility, and more. 

Acko Health Insurance for Senior Citizens at a Glance

We have mentioned below the important features of Acko Health Insurance for senior citizens: 

Entry AgeMinimum: 55 Years
Maximum: 65 Years
Sum InsuredDepends on the features and plan variant chosen by the policyholder 
Waiting PeriodsThe initial waiting period applicable as per the policy schedule 
Co-paymentsApplicable
RenewalAvailable till a certain age limit
CoverageIn-patient and out-patient expenses, ambulance expenses, consultation, wellness benefits, and more 

Acko Health Insurance for Senior Citizens Key Features

Policyholders are entitled to various health insurance benefits when investing in Acko Health Insurance for Senior Citizens that are mentioned below 

  • Avail Wide Coverage  Policyholders are entitled to avail of various medical care coverage such as room rent, ICU charges, ambulance expenses, domiciliary expenses, consultation expenses, medicine costs, and more. With a wide range of base cover benefits senior citizen health insurance plans ensure a stress-free post-retirement life
  • Annual Health Check-Ups  Acko Senior Citizen Health Insurance ensures annual health check-ups are offered to policyholders allowing them to keep a tab on their vitals. Senior citizens require frequent medical attention to identify and treat potential health ailments in time. Annual Health check-ups are an ideal feature to achieve the goal.
  • Renewals  Acko Senior Citizen Health Insurance offers lifetime renewals ensuring ongoing coverage for policyholders.
  • Tax Benefits Acko Health Insurance for Senior Citizens offers tax benefits of up to INR 1.5 L under section 80D of the Income Tax Act of 1961. Policyholders investing in senior citizen health insurance not only avail quality medical care but also are entitled to financial advantage.
  • Additional Wellness Benefits Acko Health Insurance for Senior Citizens offers health and wellness benefits to insurance holders such as add-on coverage for OPD cover, ambulance services if needed, rider benefits, and more.

Acko Health Insurance for Senior Citizens Coverage

We have mentioned below what is covered and not covered under the Acko Health Insurance for Senior Citizens

InclusionsExclusions
Pre and Post Hospitalization Expenses Cosmetic Procedures 
Day Care Treatments Suicide Exclusion
Domiciliary Hospitalization  Non-medical Expenses 
 Ambulance Charges  Unlawful Activities 
OPD Cover Pre Existing Diseases 
Annual Health Check-Ups Certain Medicines and Treatments 
Critical Illnesses Weight Management Treatments 

Keep In Mind Before Purchasing Acko Health Insurance for Senior Citizens 

When you purchase a health insurance plan for senior citizens a lot of factors are to be considered such as if the sum insured is enough, any possible critical illness coverage, annual health check-ups facility, and more. We are mentioning below all the factors that you must keep in mind before purchasing a senior citizen health insurance plan

  • Sum Insured Cover: Acko Health Insurance for Senior Citizens offers a wide range of sums insured. It is essential to keep in mind that an adequate sum insured is required post-retirement to deal with any medical emergency or even in the case of planned hospitalizations.
  • Critical Illness Cover: Multiple health insurance plans offer additional coverage for critical illnesses either as an optional cover or an add-on cover. It is essential to keep in mind the possibility of being diagnosed with a critical illness based on your health vitals or family history. In case you are prone to a critical illness it is essential to find a senior citizen plan that offers treatments for your particular concern.
  • Premiums: To purchase a senior citizen health insurance plan, it is necessary to compare premium costs and make a decision based on premium costs.
  • Robust Customer Support: When purchasing Acko Health Insurance for Senior Citizens you must consider all factors like claim support of the company, customer service, network hospitals available in your zone or city, and more. When the need arises for medical care your medical care plan must be efficient in all aspects of providing care right from customer care to hassle-free claim settlement.
  • Rider Benefits: When purchasing the senior citizen health insurance plan, understand the riders and optional add-on coverages available with the plan to avail the best of your health insurance plan.

Acko Health Insurance For Senior Citizens Documents Required For Claim Settlement

When filing a claim, knowing all the documents necessary to submit it is essential to minimize the chances of any possible claim rejections. We have mentioned below the important documents to be submitted when filing a claim: 

  • Medical bills and receipt
  • Doctor’s prescriptions 
  • Policy documents or policy card 
  • Identity proof 
  • Any other claim documents specified by the insurer 

Conclusion

Acko Health Insurance for Senior Citizens provides financial protection to individuals in their golden years and it is important to opt for the right senior citizen health insurance plan. With multiple coverage benefits like health and wellness coverage, hospitalization coverage, and rider benefits it is an ideal insurance choice. 

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Explore other Acko Health Insurance

To cater to the different medical needs of an individual & their family, Acko Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Acko Health Insurance plans explore more:

Individual and Family Health Insurance

Acko Platinum Health Plan offers you coverage for yourself and your family members. The plan offers a sum insured of INR 10 lakhs with many benefits. ...

Unique Features

  • Personal Accident Cover
  • Critical Illness Cover
  • SI up to 10 Lakhs

Acko Platinum Health Insurance (Pros)

Acko Platinum Health Insurance
  • Personal accident cover
  • Critical illness cover
  • SI up to 10 Lakhs

Acko Platinum Health Insurance (Cons)

Acko Platinum Health Insurance
  • OPD not covered
  • ICU coverage not available
  • Cosmetic surgeries not covered

Acko Platinum Health Insurance (Other Benefits)

Acko Platinum Health Insurance
  • Personal accident cover
  • Critical illness treatment cover
  • Doctor on call and second medical opinion available

Acko Platinum Health Insurance (Eligibility Criteria)

Acko Platinum Health Insurance
  • Minimum Entry Age - 18 Years
  • Maximum Entry Age - N/A
  • SI - Upto 10 Lakhs
  • Initial Waiting Period - 30 Days

Individual and Family Health Insurance

You must be thinking about how a basic health insurance policy like Arogya Sanjeevani can fulfil all your health goals. But only let this thought sink...

Unique Features

  • COVID-19 treatment coverage
  • No pre-policy health check-ups till 45
  • Lifelong renewability

Acko Arogya Sanjeevani Policy (Pros)

Acko Arogya Sanjeevani Policy
  • No Pre-Policy Check-up
  • COVID-19 cover
  • AYUSH coverage
  • Ambulance services

Acko Arogya Sanjeevani Policy (Cons)

Acko Arogya Sanjeevani Policy
  • OPD cover unavailable
  • Maternity unavailable
  • Newborn baby cover
  • Health check-ups unavailable

Acko Arogya Sanjeevani Policy (Other Benefits)

Acko Arogya Sanjeevani Policy
  • Family floater cover
  • Indemnity benefits
  • Pre & post-hospitalization
  • Room rent & ICU cover

Acko Arogya Sanjeevani Policy (Eligibility Criteria)

Acko Arogya Sanjeevani Policy
  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Accident Health Insurance

According to a report from the World Economic Forum, there are over 2.5 lakh accidental deaths or fatalities happening per year in India. Accidents ar...

Unique Features

  • Zero waiting period
  • Accidental death cover
  • No health check-up required

Acko Personal Accident Policy (Pros)

Acko Personal Accident Policy
  • Zero waiting period
  • Accidental death cover
  • No health check-up required

Acko Personal Accident Policy (Cons)

Acko Personal Accident Policy
  • Pre and post-hospitalisation not covered
  • ICU cover not available
  • OPD not covered

Acko Personal Accident Policy (Other Benefits)

Acko Personal Accident Policy
  • Accidental death and disability
  • Permanent and total disability
  • Aid to uncertain injuries

Acko Personal Accident Policy (Eligibility Criteria)

Acko Personal Accident Policy
  • Min. Entry Age - 18 Years
  • Max. Entry Age - 70 Years
  • SI - NA
  • Initial Waiting Period - Day 1 Coverage For Accidental Death

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Acko Senior Citizen Health Insurance: FAQs

1. My father is a 65-year-old man with no health ailments, can I purchase a senior citizen health insurance plan for him?

Yes, you can avail of a health insurance plan for a 65-year-old individual as the Acko Health Insurance for senior citizens entry age starts from 60 years.

2. What should you consider before purchasing a senior citizen health insurance plan?

Some of the factors to consider before purchasing a senior citizen health insurance plan are base coverage features, sum insured options, rider benefits, health and wellness benefits, additional coverage options, sub-limits on certain treatments, and more.

3. Do you have to undergo a pre-policy medical check-up when purchasing a senior citizen health insurance plan?

Yes, multiple health insurance plans for senior citizens require you to undergo a pre-policy health care check-up in order to determine your premiums.

4. Are tax benefits available under the Acko health insurance for senior citizens?

Yes, tax benefits are applicable for all premiums paid towards a senior citizen health insurance plan under section 80D of the Income Tax Act.

5. Will I get critical illness coverage if I purchase a senior citizen health insurance plan?

Yes, in case you want coverage for certain critical illnesses it is best to cross-check coverage terms and conditions of a senior citizen health insurance plan before purchase. Some plans offer critical illness coverage as an add-on benefit.

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.