Senior Citizen Health Insurance

Health insurance for senior citizens are some of the top-selling plans in India. Our elders require special care which is duly fulfilled by comprehensive health insurance for senior citizens. These plans offer benefits like home care, domiciliary hospitalization, ambulance charges, daycare procedures, OPD, daily hospital cash, and much more.

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Health insurance for senior citizens

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Senior Citizen Health Insurance In India

Health Insurance for senior citizens plays a vital role in your golden years! India is known to be a dynamic mix of modernity and tradition, highlighting the importance of investing in the best senior citizen health insurance for your loved ones. In India, medical bills can add up quickly for senior citizens due to common diseases like:

  • Hypertension
  • Diabetes
  • Heart ailments, and
  • Cancers of specific severity
Health Insurance For Senior Citizens

According to the latest statistics provided by the 'Population Reference Bureau' India is projected to have over 14.4 crores senior citizens by 2050. Looking at the consistent rise in the elderly population and medical inflation, IRDAI has ensured general insurers charge transparent and fair premiums.

Take this journey with us to understand the best health insurance for senior citizens in India. Compare senior citizen health insurance plans, explore benefits, key features, and more.

Best Health Insurance For Senior Citizens In India

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 Plans Sum Insured (Rs.) Entry Age Pre- Medical Check-up OPD and Daycare Coverage Co-payment Clause

Star Senior Citizen Red Carpet
1 to 25 L 60 - 75 Years No All Day Care Treatments 30% per Claim

Care Senior Plan
3 to 10 L 61 Years - Lifelong No 540 Day Care Treatments 20% per Claim

ManipalCigna Prime Senior
3 to 50 L 56 - 75 Years No mandatory check-up Covered up to the sum insured 20% per Claim

Niva Bupa Senior First
5 to 25 L 61 - 75 Years No mandatory check-up Covered up to the sum insured 50% per Claim (modification available)

Aditya Birla Activ Health Platinum Essential
5 L to Depending on the Age 60 Years - Lifelong Depends on medical history 586 Daycare Treatments 20% per Claim

Aditya Birla Activ Care
3 to 25 L 55 - 80 Years Yes 586 daycare procedures covered 586 Daycare Treatments 10% under Premier Plan
20% under Classic and Standard Plan

Bajaj Allianz Silver Health Plan
1 to 10 L 46 - 80 Years Yes (Mandatory) Covered 10% Co-payment Applicable (on all claims for Plan B)
20% Co-payment Applicable (all claims for treatments availed in non-network hospitals for Plan A)

Cholamandalam Flexi Supreme
5 L to 5 Cr 18 - 75 years Yes Covered Not Applicable

Future Generali Varishta Bima
2 to 10 L 60 Years - Lifelong Yes for SI 7.5 and 10 L Covered 50% Co-pay Applicable (related to pre-existing disease)
25% Co-pay Applicable on all other claims

HDFC Ergo My:Health Suraksha Silver Smart
3 to 50 L 18 Years - Lifelong Not Mandatory Covered 20% Co-payment Applicable (if treatment availed in tier-1 city after paying tier-2 premiums)

Magma One Health Insurance Policy
2 L to 3 Cr 18 Years - No upper age limit Not Mandatory Covered Voluntary Co-pay 10/20%

National Senior Citizen Mediclaim Policy
1 to 10 L 65 Years - No upper age limit Required Covered 10 - 25% Co-pay for Pre-existing Disease

Oriental (Health Of Privileged Elders) Plan
1 to 5 L 60 Years - No upper age limit N/A Not Covered 20% Mandatory Co-pay

TATA AIG Eldercare
5 to 25 L 61 - 85 Years Required Covered 20% Mandatory Co-pay

United India Senior Citizen Health Plan
1 to 3 L 61 - 80 Years N/A Covered No Co-pay

Universal Sompo Senior Citizen Health Plan
1 to 5 L 60 - 70 Years Maybe Required N/A Covered 10/15/20% Co-pay Applicable

New India Assurance Sixty Plus Mediclaim Policy
2 to 5 L 60 - 80 Years Required Covered 10% Co-pay Applicable

Government Health Insurance Plans For Senior Citizens

Besides private senior citizen health insurance in India, government health insurance schemes are also available. One such scheme is the Ayushman Bharat Yojana.

  • It is also known as the Pradhan Mantri Jan Arogya Yojana, offers INR 5 Lakhs every year per family
  • Senior citizens can access cashless benefits from nationwide public/private empanelled hospitals
  • Designed specifically for families from economically weaker sections
  • Provides coverage for pre-existing conditions commonly seen in senior citizens
  • The benefits can be availed all over India, from Kashmir to Kanyakumari and more!
Govt Health Insurance Plans

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

What Is Senior Citizen Health Insurance?

Health insurance for senior citizens is a category of insurance that helps individuals above 60 years cover medical bills. It is a financial safety net and helps safeguard your hard-earned life savings from drowning in sky-high hospital bills.

But, I can cover my parents above 60 years under a regular health insurance plan. How is it any different? Let us understand the difference below

Parameters Senior Citizen Health Insurance Family Health Insurance
Scope Of Coverage Specifically designed for individuals over 60 years Covers family members including spouse, dependent children, siblings, parents, or parents-in-law
Eligibility If you are below 60 years old, senior citizen health plans are not for you Regular health plans even cover dependent children up to the age of 25 years
Tax Benefits As per the Income Tax Act, of 1961, a deduction of up to INR 50,000 is applicable on premiums paid towards a senior citizen health plan As per the Income Tax Act, of 1961, a deduction of up to INR 25,000 is applicable on premiums paid towards regular health plans if all family members covered are below 60 years

While a regular health plan will cover your parents (above 60 years), the sum insured may be insufficient in case of major illness or prolonged hospitalization of senior citizens.

Health insurance premiums are expensive for regular health plans as premiums to be paid are calculated based on the eldest member of the family. Instead, if your parents are above 60 years (above 55 years in some cases), buying a separate senior citizen health plan is always advised to give them comprehensive coverage.

Senior Citizen Health Insurance Eligibility

Let us take a quick peek at the eligibility criteria you must fulfil to purchase health insurance plans for senior citizens:

Aspects Specifications
Minimum Entry Age 60 years
Maximum Entry Age 75 to 80 years
Co-Payments Applicable in most senior citizen health insurance plans
Waiting Period The initial waiting period of 30 days
Renewals Lifetime renewals available depending on senior citizen health plans
Pre-existing Diseases Covered after serving a specific waiting period

Senior Citizen Health Insurance Benefits

Investing in the best health insurance plans for senior citizens is a pathway for a smooth second innings of life. Here are some of the key benefits you can expect with the best senior citizen health insurance in India:

Senior Citizen Health Insurance Benefits
  1. Comprehensive Coverage for the Elderly

    Specifically designed for individuals above 60 years of age, senior citizen health insurance plans offer comprehensive coverage against high medical bills.

  2. Relaxation In Waiting Periods

    While waiting periods vary according to the plans you opt for, many senior citizen health plans in India may have lesser waiting periods for PEDs like diabetes, hypertension, etc.

  3. Regular Health Screenings

    We are all well aware of the importance of regular health check-ups after a certain age. The best senior citizen health insurance in India covers annual health check-ups helping you detect any serious ailments timely. You can also get a tax benefit of INR 5000 for senior citizen annual health checkups!

  4. Lifetime Renewability

    Many senior citizen health insurance plans offer lifetime renewability ensuring your life-long well-being.

  5. Secure Your Retirement Funds

    Investing in a senior citizen health insurance plan in your retirement years will secure your life savings for future needs instead of drowning them in expensive hospital bills.

  6. Critical Illness Coverage

    Being diagnosed with life-threatening diseases can be nerve-wracking both mentally and financially. Let India's best senior citizen health insurance take care of the financial stress while you focus on recovery.

Tax Benefits Of Senior Citizen Health Insurance

As per the Income Tax Act, of 1961 under section 80D you are eligible for tax deductions

  • Up to INR 50,000 if you are above 60 years covered under a senior citizen health plan
  • Up to INR 5,000 for payments paid towards preventive health check-ups
  • Up to an additional INR 25,000 if you are an earning individual (Above 60 years) and are paying health insurance premiums for your dependent son or daughter.
  1. Up to INR 50,000 if you are above 60 years covered under a senior citizen health plan
  2. Up to INR 5,000 for payments paid towards preventive health check-ups
  3. Up to an additional INR 25,000 if you are an earning individual (Above 60 years) and are paying health insurance premiums for your dependent son or daughter.

This means at the end of the financial year you are eligible for tax deductions up to INR 75,000

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.

  • With a 14% medical inflation rate in India, the highest among Asian countries, tackle the medical crisis with a senior citizen health plan.
  • We all know critical ailments like cancer, heart ailments, and kidney failure require prolonged medical treatments and are commonly diagnosed in old age. Gain immunity against critical illness treatment expenses with senior citizen health insurance.
  • Regular health check-ups are an essential and useful feature in senior citizen health plans which benefit the elderly greatly.
  • Save your hard-earned savings to enjoy your golden years and let the senior citizen health plan take care of your medical expenses.
  • Purchasing a separate senior citizen health plan apart from family health insurance guarantees a tax rebate of up to INR 50,000.

Tips To Select Best Health Insurance Plans For Senior Citizens

When buying a senior citizen health insurance plan, you must consider the following things

  1. Coverage Options

    Check for all the coverage options while selecting the policy for senior citizens. Make sure that your policy should cover in-hospitalization, pre-existing conditions, in and out-patient coverage, ambulance coverage, pre-hospitalisation, post-hospitalisation, and much more.

  2. Network Hospital

    The plan should cover a maximum number of hospitals in your area and have the options for both cashless and reimbursement claims.

  3. Check for the exclusions

    You need to review the inclusions and exclusions very carefully. Check out whether your policy covers ambulance charges, medical tests, day-care procedures and other important things. Also check the diseases covered, and how much is the waiting period.

  4. Affordability of the Premiums

    Obviously while buying a health insurance policy for senior citizens you need to be very specific about the budget. With PolicyX Premium Calculators, you can get an idea about the premiums.

  5. Customer Reviews

    Carefully review the reputation of the insurer by comparing the reviews given by the existing users. As it is very important to know whether the company is faking the promises or keeping them while claim settlements.

  6. Waiting Period

    You have to understand the waiting period for pre-existing conditions. Opt for the senior citizens policy with the shorter waiting period.

  7. Sum Insured and No Claim Bonus

    Choose a policy with an adequate sum insured to accommodate potential medical expenses. Do enquire about the no-claim bonus and other benefits against your policy.

  8. Renewability and Age Limit

    When choosing the policy for senior citizens, must ensure that there should be no age limit. So, that it will give coverage at the later stages of life.

Why Should You Buy

Health Insurer Network Hospitals

How To Buy The Best Senior Citizen Health Insurance With PolicyX?

PolicyX has been the trusted aggregator for over 10-years now! We can help you with the end-to-end process for your senior citizen health insurance policy by providing safe, efficient & user-friendly support. You can buy, renew, and claim a policy from the comfort of your home.

Follow the steps given below to find the best senior citizen health insurance plans in India at PolicyX:

  • Step 1

    Get quotes from top insurers by filling up this form.

  • Step 2

    Compare quotes from different insurers by using our Premium Calculator 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 Claim Best Senior Citizen Health Insurance Policy?

The senior citizen health insurance claim process in India is simple and hassle-free. Follow the steps below to file a claim:

Senior Citizen Health Insurance Cashless Claim Procedure

If you avail treatments in a network hospital you must follow the steps given below:

  • Step 1

    Fill out the pre-authorized form given at the TPA desk in the hospital and hand it over.

  • Step 2

    The hospital TPA desk will send the pre-authorized form along with required documents such as prescriptions, discharge copy, etc. to the health insurance provider for further verification.

  • Step 3

    The health insurance company will settle the hospital bill directly with the network hospital.

Senior Citizen Health Insurance Reimbursement Claim Procedure

If you avail treatments in a non-network hospital you must follow the steps given below:

  • Step 1

    Inform your health insurance provider within 24 to 48 hours of hospitalization.

  • Step 2

    Submit all the documents post-discharge such as prescriptions, diagnostic reports, and other required documents to your health insurance provider..

  • Step 3

    Fill in the pre-authorized form along with the documents required by your health insurer and submit them for further verification.

  • Step 4

    Your senior citizen health insurance plan claim amount will be reimbursed after carefully reviewing all your documents.

General Exclusions of Senior Citizen Health Insurance In India

Health insurance plans come with a certain set of terms and conditions such as exclusions that you must be aware of like:

  • War
  • Breach Of Law
  • Substance Abuse
  • Cosmetic/weight loss Surgeries
  • HIV/AIDS
  • Gender Change Treatments

Wrapping It Up

Senior citizen health insurance in India is essential for a peaceful post-retirement life. The plan will cover you and your spouse not only against expensive medical bills but will ensure quality healthcare treatment. Senior citizen plans are also excellent tax-saving tools.

To further compare the best senior citizen health plans in India, connect with our insurance experts at 1800-420-269 and find your perfect fit.

Health Insurance For Senior Citizens: FAQs

1. What is a senior citizen health insurance plan?

A senior citizen health plan is a financial safety net for elderly individuals between the age group of 60 to 80 years. These health plans offer financial coverage for hospitalization expenses, and give you access to quality medical care without worrying about the growing costs.

2. What will I be covered for under a senior citizen health plan?

A senior citizen health plan covers you for:

  • Pre and post-hospitalization expenses
  • Daycare procedures
  • Surgeries
  • Home care treatments
  • Diagnostics and OPD care

3. Can I cover my spouse in a senior citizen health plan?

Yes, many health insurance providers offer discounts on covering 2 members under a single senior citizen health plan.

4. What is the tax benefit under a senior citizen health insurance plan?

You are eligible for a tax rebate of INR 50,000 as per the existing income tax laws in India.

5. Are pre-existing conditions like diabetes covered under a senior citizen health plan?

Yes, pre-existing conditions are covered under a senior citizen health plan after serving a waiting period between 2 to 4 years as specified in the policy document.

6. 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 their savings. Therefore, you should opt for a senior citizen health insurance plan with a minimum waiting period for pre-existing diseases.

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

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

8. Is there any need for medical checkups while buying health insurance for senior citizens?

Yes, to purchase a health insurance policy for senior citizens you need to undergo a medical checkup.

9. Does medical insurance for senior citizens offer coverage against critical illnesses?

Yes, critical diseases are covered by senior citizens' insurance policies.

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

Yes, most of the senior citizen health policies offer free health check-ups annually or as per individual plan features.

11. I am 65 years old, can I avail a senior citizen health insurance plan?

Yes, many senior citizen health insurance plans offer health insurance to individuals above the age of 60 years. You are eligible to apply for health insurance plans at the age of 65 years.

12. Who will pay for the pre-medical screening when purchasing a senior citizen health insurance plan in India?

Depending on the senior citizen health plan you choose your pre-policy medical check-up may be covered by your health insurance providers.

13. Does senior citizen health insurance in India cover critical illnesses?

Yes, most of the senior citizen health policies offer free health check-ups annually or as per individual plan features.

14. Are there any government schemes for senior citizens?

Yes, Ayushman Bharat is a senior citizen health insurance in India offered by the public sector.

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Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.