Senior Citizen Health Insurance
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Health insurance for senior citizens
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Health Insurance Plans for Senior Citizens

A health insurance policy designed specifically for individuals over the age of 60 years is generally known as medical insurance for senior citizens. The plan is designed in a way that is instrumental to senior citizens and covers them against pre-existing diseases, provides preventive health check-ups, covers cashless hospitalization, provides critical illness coverage, and more for efficient and quick healthcare. After the age of 60 years it becomes vital that health care is provided effectively and promptly as with growing age health deteriorates and you become prone to serious medical ailments if not treated timely.

Minimum Entry Age

60 Years and above

Maximum Entry Age

Subject to different policy terms and conditions

Claim Settlement

Cashless Claim Settlement at network hospitals


Available with lifetime renewability

Preventive Check-ups


Tax Benefits

Available under section 80D

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Best Health Insurance for Senior Citizens 2023

There are multiple health insurance plans for senior citizens that are out in the market and it can be confusing to opt for the one suitable for your needs. We have compiled a list of the best health insurance plans for senior citizens for our readers.

A senior citizen plan that offers complete protection such as nursing at home, AYUSH cover, personal health coach, etc.

Unique Benefits

  • Avail up to 21% health returns
  • Second E-opinion
  • Worldwide Emergency Assistance

A plan designed for senior citizens offering cashless benefits or reimbursement for hospitalisation expenses due to illness or accident.

Unique Features

  • Avail Hospitalization expenses
  • Pre-existing illnesses Cover
  • 130 day care procedures

Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.

Unique Benefits

  • No pre-policy Medical Checkup
  • Lifelong Renewability
  • Automatic SI Recharge

Care Senior Citizen (Pros)

  • No pre-policy check-up
  • Annual Health Check-up
  • 540+ Day Care Treatments
  • EMI premium options
  • Discounts Available

Care Senior Citizen (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Senior Citizen (Other Benefits)

  • Organ Donor Cover
  • Second Opinion Available
  • Affordable Premiums
  • Covid-19 Treatment
  • Ambulance Cover

Care Senior Citizen (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - No age limit
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Future Generali Varishta Bima

Specially designed for senior citizens and is available on an individual and family floater basis which includes the insured and their spouse. SI goes up to 10 lacs.

Unique Features

  • Avail Road Ambulance
  • Free medical check-up available
  • Advance Treatments covered

Varishta Bima (Pros)

  • Affordable Premium
  • Daycare Treatment Cover
  • Cataract Surgery
  • Tax Benefit
  • Knee Replacement Cover

Varishta Bima (Cons)

  • 50% CoPayment On PED
  • Alcoholism Unavailable
  • No Dental Cover
  • 10% Copay On Hospitalization
  • Cosmetic Surgery unavailable

Varishta Bima (Other Benefits)

  • Ambulance Charge
  • Free Annual Medical Checkup
  • 10% Long Term Discount
  • 10% Family Discount
  • Spouse Cover

Varishta Bima (Eligibility Criteria)

  • Entry Age - 60 Years
  • Max Entry Age - LifeLong
  • SI - 2 L to 10 L
  • Waiting Period - 30 Days

A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.

Unique Features

  • Coverage for modern treatments
  • Multiple co-payment options
  • Unlimited SI restoration

NivaBupa Senior First (Pros)

  • 3 Variant Available
  • No pre-issuance medical tests
  • Day 1 Health Check-up
  • Safeguard (Add-on)
  • Day Care Treatment

NivaBupa Senior First (Cons)

  • No Critical Illness Cover
  • 50% Co-payment
  • No Specific Diseases Covered
  • No Pre-existing Disease Cover
  • Self Inflicted Injuriesnot covered

NivaBupa Senior First (Other Benefits)

  • ReAssure Benefit
  • Domiciliary Hospitalization
  • Organ Donor Benefit
  • Ayush Benefit
  • Annual Aggregate Deductible

NivaBupa Senior First (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - 75 Years
  • SI - 5 L to 25 L
  • Waiting Period - 30 Days

The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.

Unique Features

  • Guaranteed Lifelong renewals
  • No Pre-acceptance Medical test
  • Availability of Instalment Facility

Senior Citizens Red Carpet Policy (Pros)

  • Individual & family floater plan
  • Flexible SI
  • Road Ambulance Cover
  • ICU cover
  • Health Check-up cover

Senior Citizens Red Carpet Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Senior Citizens Red Carpet Policy (Other Benefits)

  • Flexible-Premium Payment
  • Cataract Treatment available
  • Modern treatment cover
  • No pre-policy checkup
  • OP Consultation

Senior Citizens Red Carpet Policy (Eligibility Criteria)

  • Entry Age - 60 Years
  • Max Entry Age - 75 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Importance of Best Senior Citizens Health Insurance

Mediclaim for senior citizens is an essential healthcare safety net that provides senior citizens with quick medical care services when required. After the age of 60 individuals are prone to serious illnesses and medical complications where one illness could lead to a multitude of problems without any prior warning. Mediclaim for senior citizens will help families to manage their finances better and medical bills will not dig into your savings. We have listed a few reasons below in order to reflect on why it is important to invest in a good senior citizen health plan:

  • Rising Medical Care Costs
    It is of utmost importance to note that post-retirement the income value of a household decreases to almost half as compared to when an individual is earning. For government employees, there's a systematic regular pension plan, however, for private organization employees there is no post-retirement support. With rising medical care costs, it is important that individuals invest in a mediclaim policy for senior citizens in order to not drain their savings when undergoing an emergency or planned hospitalization.
  • Preventive Health Check-Up Facility
    Mediclaim Insurance for senior citizens provides annual health check-ups depending on the insurance policy purchased. These regular health check-ups help insurance holders to save their hard-earned money on such expenses with the help of comprehensive health insurance coverage.
  • Cover against Critical Illnesses
    Medical insurance for senior citizens offers coverage against critical illnesses and that allows senior citizens to avail the best medical care for critical illnesses such as heart ailments, brain surgery, cancer treatments and more. Critical illness treatments are expensive to treat and can drain the life savings of a family hence it is essential to invest in a good mediclaim policy for senior citizens.

Benefits of Health Insurance Plans for Senior Citizens

Health Insurance for Senior Citizens is designed in such a way that will provide several benefits keeping in mind the needs of the ederly. With this health insurance, an aged individual can avail of multiple benefits. Some of the crucial ones are mentioned below:

Comprehensive Coverage

Comprehensive Coverage

With this health insurance plan in your pocket, you don't have to worry about paying for pre & post hospitalization expenses, daycare expenses, ambulance charges, domiciliary hospitalization expenses, among others.

Cashless Treatments

Cashless Treatments

With the availability of cashless facilities,one can easily avail of the cashless medical treatment from any of the network hospitals that are a part of the respective insurer's network.With this, an individual can get the best treatment possible without paying for the expenses (as per the policy).

Life-long Renewability

Life-long Renewability

Many senior citizen health insurance plans come with a lifetime renewability benefit, which offers you the advantage of getting a lifetime cover, without any restrictions or age bar.

Pre Medical Tests

Pre Medical Tests

Most insurers don't ask for pre-medical tests in these specially designed senior citizen plans. People who would otherwise opt for a normal health insurance plan at the age of 60+ would most likely have to go through a pre-screening test. This is one very important benefit because in old age, most people have pre-existing diseases and therefore land up not getting any company to offer them a standard plan.

Tax Benefits

Tax Benefits

Premiums paid under such policies are eligible for tax benefits (Rs.50,000) under Section 80D of the Income Tax Act, 1961. An additional rebate of Rs.5,000/year for preventive health-check is also available.

Coverage to Elderly People

Coverage to Elderly People

A senior citizen health insrance allows one to avail medical coverage for the senior citizens.With a senior citizen health insurancce, one can secure their healthcare needs even after the age of 60 years.

Who Should Invest in Health Insurance Plans for Senior Citizens

Health Insurance Plans for Senior Citizens offer necessary benefits such as pre and post-hospitalization cover, day-care treatment, annual health check-ups, cashless hospitalization, home care, and more. Health Insurance Plan for Senior Citizens is suitable for people over the age of 60. However, with the constant rise in lifestyle diseases individuals must purchase a health insurance policy for their elderly parents, retired professionals, business owners, etc.

Other Senior Citizens Health insurance companies

Senior Citizen Health Insurance
Senior Citizen Health Insurance

Factors To Consider Before Investing in Health Insurance Plans for Senior Citizens

A health insurance policy acts as a legal guardian of your health. You should spend considerable time researching before making a decision. The below-pointers should be a part of your research when you are buying a Health Insurance for aged individuals. Let's learn about them.

Network Hospitals

Network Hospitals

It's hard to travel when you are old. And it's even harder at the time of a medical emergency. It's convenient to partner with an insurance company whose network hospital is near your residence, so that when a medical emergency arises, you can go to your nearby hospital and avail cashless treatments.

Waiting Period

Waiting Period

These plans comes with a waiting period for pre-existing diseases, which means you can avail of coverage for a certain listed illness after a pre-defined number of days. Here, the smart move will be to compare different plans and choose the one that has the lowest waiting period.

Free Medical Check-ups

Free Medical Check-ups

Old age requires extra prevention and protection in terms of health. And medical check-ups can help you achieve that. If you agree with this statement, then going for an insurance company that offers free medical health check-ups can be a treat for you.



In general terms, co-pay is a predefined amount that the insured promises to pay at the time of a claim. As most of them don't have a regular income, it's not easy to pay up a large claim amount. That's why it is recommended to go for a plan that asks for a small co-pay in return. It puts less pressure on your wallet.

Best Health Insurance for Senior Citizens Tax Benefits

Health Insurance for Senior Citizens in India has a major benefit under the Income Tax Act, section 80D which states that the premiums paid toward any health insurance for senior citizens is eligible for tax exemptions of up to INR 50,000. Under this benefit senior citizens can enjoy the advantage of medical cover along with tax savings.

Inclusions of Health Insurance Plans for Senior Citizens

Health Insurance Plans for Senior Citizens have the following inclusions:

  • Hospitalization Expenses : Mediclaim for senior citizens includes hospitalization expenses which translate into access to all hospitalization-related expenses like ICU charges, nursing fees, etc.
  • Pre and Post Hospitalization Cover: Medical insurance for senior citizens offers pre and post-hospitalization cover that includes multiple check-ups and consultations based on the terms and conditions of different health insurance plans for senior citizens. A standard 60/90 days pre-hospitalization and 90/180 days post-hospitalization are offered.
  • Day-Care Treatments :Health insurance for senior citizens offers day-care treatments that cover advanced medical technology treatments that are done within 24 hours and do not require hospitalization for more than 24 hours.
  • Home Health Care :Senior citizen mediclaim policy is designed keeping in mind the comfort of senior citizens and offers home health care in many health insurance plans for senior citizens wherein you can avail treatment and medical care in the comfort of your own home.
  • AYUSH Treatment : Senior citizen mediclaim policy offers alternative therapies like Ayurveda, Unani, Siddha, and Homeopathy to ensure that senior citizens can access all treatments for their overall health and recovery.

Exclusions of Health Insurance Plans for Senior Citizens

Health Insurance Plans for Senior Citizens have the following exclusions:

  • Self-Inflicted Injuries : The standard norm for all senior citizen mediclaim policy states that insured lives will not be covered under situations where self-harm is inflicted under the influence of any intoxicants or under any circumstances.
  • War: Health insurance plans for senior citizens do not cover any claims due to the circumstance of war.
  • Treatment of Obesity or Cosmetic Surgery :Health Insurance Plans for Senior Citizens do not cover any treatments related to cosmetic surgery or obesity
  • Adventure Sports and Activities :Health insurance for senior citizens in India does not cover any injuries sustained due to extreme adventure sports like bungee jumping, paragliding, skydiving or others.
  • STI : Health insurance for senior citizens does not cover venereal and sexually transmitted diseases.

How to Buy Health Insurance For Seniors With

With so many insurance buying options available in the market, the risk of fraud also increases. For a safe, quick, and time-saving process, comes with an easy and user-friendly buying process that allows you to purchase your policy from the comfort of your home.

Step 1

Get quotes from top insurers by filling up a form given on the top of this page.

Step 2

Compare quotes of different insurers and select the desired plan as per your requirements.

Step 3

Submit all the required details and documents.

Step 4

Make the online payment and Congratulations! Your Health is now secured.

How to File a Claim For Health Insurance For Senior Citizens?

Insurance companies allow policyholders to claim for such policies via two means- cashless and reimbursement. Let's discuss both the procedures:

Note: These are general guidelines. It may vary from one insurer to another.

Cashless Claims

  • For availing cashless treatment, you need to get admitted to a network hospital associated with the insurance company.
  • Intimate the company about your hospitalization as soon as possible.
  • Submit the authorization form along with the photo identity and health card copies at the hospital desk.
  • The hospital will send these documents to the insurance company for approval.
  • Once it's approved, you can take the treatment and its expenses will be looked after by the insurance company.

Reimbursement Claims

Generally, people who get treated in non-network hospitals file for reimbursement. Below is the process-

  • Inform the insurance company, avail treatment, settle all the bills and file for reimbursement.
  • Do collect and submit all the chemist bills, hospital reports, doctors' prescriptions, pathological reports, etc. to the insurance company.
  • The insurer will verify all the information and process the claim.
  • If approved, you will receive the reimbursement amount in your registered bank account.

Documents Required

  • Policy document (Photocopy).
  • Duly filled claim form.
  • Attending physician's statement.
  • Medical records.
  • Others requested by the company.

Wrapping it Up

Health insurance plans for senior citizens are an essential tool to help combat financial burdens caused by medical care for senior citizens. With growing age serious health issues and medical ailments can be more frequent and difficult to combat due to weaker immunity and degeneration of the body. It is an expensive affair to pay out of your pocket for medical treatments for senior citizens. The best health insurance for senior citizens can be selected by looking at multiple factors such as sum insured options, premiums, coverage benefits, and more.

Senior Citizen Health Insurance: FAQs

1. Best senior citizen health insurance plans in India?

Following are the best senior citizen health insurance plans in India:

  1. Aditya Birla Activ Care
  2. Bajaj Allianz Silver Health
  3. Care Senior Citizen
  4. Future Generali Varishta Bima
  5. NivaBupa Senior First
  6. Senior Citizens Red Carpet Health Insurance Policy

2. Which is the best health insurance for senior citizens?

To choose the best health insurance for senior citizen, you first need to compare several senior citizen plans available, evaluate your healthcare needs, assess your budget and then choose the ideal plan based on your needs.

3. Do all senior citizen health insurance plans come with a co-payment clause?

Yes, co-payment is a mandatory feature in all senior citizens health insurance plans. One can opt for a higher co-payment to lower their premiums.

4. To whom should I submit the claim documents for my senior citizen health plan?

Every insurance company has listed its claim process. You just need to follow the process mentioned by your company. Over there, they must have mentioned the party to approach- TPA or company itself.

5. What documents do I need to buy a Health Insurance for Seniors?

Following documents are required:

  • Age proof
  • Identity proof
  • Address proof
  • Income proof
  • Others requested by the company

6. Does health insurance for seniors cover COVID-19?

Yes, hospitalisation expenses arising out of COVID-19 are looked after. However, the cost of consumables like gloves, sanitisers, etc. is not covered.

7. Are pre-existing diseases covered under senior citizen health insurance?

Pre-existing conditions are usually covered by senior citizen health insurance policies. But to avail of the benefit, the insured is required to complete a specific waiting period, which may differ from plan to plan.

8. Do I need to undergo a medical checkup while buying health insurance for senior citizens?

Individuals above 45 years of age have to undergo a pre-policy medical test. Therefore, if you are above 45, you need to undergo a pre-policy medical checkup.

9. Does Medical Insurance for senior citizens offer coverage against critical illnesses?

Yes, Critical diseases are covered by a number of senior citizens' insurance policies. Critical disease coverage is included in certain plans, but it is also available as add-on insurance for a fee.

10. Will I get tax benefits on the premiums paid towards Mediclaim for Senior Citizens?

Senior Citizens can claim a tax advantage of up to Rs.30,000 per year on premiums paid under Section 80D of the Income Tax Act 1961. You can also take advantage of this benefit if you are paying the premium for your parents' coverage.

11. What should I look out for in health insurance for senior citizens?

Health insurance for senior citizens comes with mandatory pre-policy medical check-ups, sum insured amount, and the exclusions list. Before buying mediclaim insurance for senior citizens, you should carefully check the entry/exit age, maximum renewal age, co-payment option, domiciliary treatment option, etc.

12. What are the documents required to buy medical insurance for senior citizens?

To buy a mediclaim policy for senior citizens, you'll need the following documents:

  • Age proof
  • Identity proof
  • Address proof
  • Income proof
  • Duly filled proposal form
  • Pre-screening medical test reports

13. What is the eligibility criteria to buy mediclaim for senior citizens?

The minimum and maximum age limits to buy health insurance for senior citizens are 60 years and 75 years respectively buy it varies from plan to plan and insurer to insurer.

14. Why is it important to buy senior citizen insurance plans?

Elderly people are more likely to have pre-existing diseases whose treatment can exhaust all your savings. Therefore, you should opt for a senior citizen health insurance plan that comes with a minimum waiting period for pre-existing diseases.

15. What should I look out for in a senior citizen medical insurance policy?

Health insurance for senior citizens mostly comes with mandatory pre-policy medical check-ups, limited coverage, and an extensive list of exclusions. You must check these factors carefully before buying a plan. You should also look out for factors, such as entry/exit age, maximum renewal age, co-payment, domiciliary treatment, etc. while buying the policy.

16. Do insurance companies offer annual health checkups under senior citizen health insurance?

There are some insurance companies that offer free health check-up facilities to the insured under the senior citizen health policy every year, even if you have applied for a claim. However, there are also companies that offer this benefit to the insured after every two/three/four claim-free years. So it is best to read the policy wordings of a senior citizen's health insurance policy carefully to get a clear idea of conditions related to medical check-ups.

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of Insurance Web Aggregator.