Senior Citizen Health Insurance

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 View Plan
Niva Bupa Senior First	Entry Age - 61 Years	5 to 25 L	Covers from 2nd year	Rs. 3,103/- Per month View Plan
Care Senior	Entry Age - 61 Years	3 to 10 L	4 years of continuous coverage	Rs. 2598/- Per month View Plan
Star Senior Citizen Red Carpet Health Policy	Entry Age - 60 Years	1 to 25 L	Covers from 2nd year	Rs. 2,213/- Per month View Plan
TATA AIG ElderCare	Entry Age - 61 Years	5 to 25 L	Covered after 2 years	Rs. 3,441/- Per month View Plan
Aditya Birla Activ Care	Entry Age - 55 Years	3 to 25 L	Covered after 2 years	Rs. 2,016/- Per month View Plan
HDFC Ergo my:health Suraksha Silver Smart	Entry Age - 18 Years	3 to 50 L	Covered after 4 years	Rs. 1,849/- Per month View Plan
New India Assurance Sixty Plus Mediclaim Policy	Entry Age - 60 Years	2 to 5 L	Covered after 4 years	Rs, 1,184/- Per month View Plan
National Senior Citizen Mediclaim Policy	Entry Age - 60 Years	1 to 10 L	Covered after 2 years	Rs. 2,780/- Per month View Plan

Key Features Of The Best Health Insurance For Senior Citizens

Mentioned below are the key features of all the senior citizen health plans

1. 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

2. 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

3. 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

4. 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

5. 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

6. 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

7. 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

8. 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

9. 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

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.