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

Network hospitals

14300+

premium

Incurred claim ratio

83.88%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

2

premium

Solvency Ratio

4.3

premium

Pan India Presence

17

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

14300+

premium

Incurred claim ratio

83.88%

premium

Sum insured

Up to 1 CR

premium

No. of Plans

2

premium

Solvency Ratio

4.3

premium

Pan India Presence

17

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 Age

Minimum: 55 Years
Maximum: 65 Years

Co-payments

Applicable

Renewal

Available till a certain age limit

Coverage

In-patient and out-patient expenses, ambulance expenses, consultation, wellness benefits, and more

Sum Insured

Depends on the features and plan variant chosen by the policyholder

Waiting Periods

The initial waiting period applicable as per the policy schedule

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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 in order 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

Inclusions Exclusions
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 in order 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

    In order to purchase a senior citizen health insurance plan, it is necessary to compare premium costs and make a decision on the basis of premium costs.
  • Robust Customer Support

    When purchasing Acko Health Insurance for Senior Citizens it is essential that you 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 it is essential that your medical care plan is 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 in order to avail the best of your health insurance plan.

Acko Health Insurance For Senior Citizens Documents Required For Claim Settlement

When filing a claim, it is essential to know all the necessary documents to be submitted in order 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.

Health Insurance Plans by ACKO Health Insurance Company

ACKO Health Insurance offers two different types of health insurance plans to help stay financially protected in medical emergencies. Let's have an overview of these plans.

Standard Plan

Arogya Sanjeevani is a standard indemnity-based health insurance product designed to safeguard the medical requirements of customers.

Unique Benefits

  • Covers Cataract Treatments
  • No Health Check-ups up to 45 years
  • Cumulative bonus of 5% on SI

Group Health Plan

Acko Group Health Insurance Plan

Plan providing coverage for medical expenses arising out of hospitalization for a group of employees/workers of a particular organization.

Unique Benefits

  • Maternity benefit Available
  • Coverage for disabled children
  • Injuries due to Terrorism

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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Varun Saxena

Written By: Varun Saxena

Varun is a passionate content writer with over three years of experience in the insurance domain. An avid learner, he stays ahead of the industry's trends ensuring his writing remains fresh and includes the latest insurance shifts. Through his work, Varun strives to engage with targeted insurance readers.