Senior Citizen Health Insurance
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Updated on May 14, 2025 8 min read
Senior citizens are prone to severe health issues like diabetes, high BP, arthritis, and other age-related ailments. Recognizing the growing need for senior citizen health insurance in India, general insurers and the Government of India are offering efficient medical cover for the elderly. Investing in the best senior citizen health plan safeguards your hard-earned savings.
Compare coverage features and premiums and uncover the many benefits of senior citizen health plans in this article.
Read more about Ayushman Bharat for Senior Citizens.
clusive NewsThe senior citizen health insurance landscape is changing drastically. The latest data indicated that people above 60 years account for 18% of all health insurance policies. IRDAI has been an initiator for this change by introducing new regulations like removing age caps, reducing waiting periods for pre-existing diseases, and introducing universal cashless treatment.
Let us take a look at the top-selling senior citizen health insurance plans available in India:
| Senior Citizen Plans | Entry Age | Pre- Medical Check-up | OPD and Daycare Coverage | Sum Insured (Rs.) |
|---|---|---|---|---|
 Star Senior Citizen Red Carpet |
60 - 75 Years | No | All Day Care Treatments | 1 to 25 L (Rs. 20,315) |
 Care Senior Plan |
61 Years - Lifelong | No | 540 Day Care Treatments | 3 to 10 L |
 ManipalCigna Prime Senior |
56 - 75 Years | No mandatory check-up | Covered up to the sum insured | 3 to 50 L (Rs 18,983) |
 Niva Bupa Senior First |
61 - 75 Years | No mandatory check-up | Covered up to the sum insured | 5 to 25 L (Rs 13,909) |
 Aditya Birla Activ Health Platinum Essential |
60 Years - Lifelong | Depends on medical history | 586 Daycare Treatments | 5 L to Depending on the Age |
| Aditya Birla Activ Care |
55 - 80 Years | Yes | 586 daycare procedures covered 586 Daycare Treatments | 3 to 25 L (Rs 24,202) |
 Bajaj Allianz Silver Health Plan |
46 - 80 Years | Yes (Mandatory) | Covered | 1 to 10 L |
 Cholamandalam Flexi Supreme |
18 - 75 years | Yes | Covered | 5 L to 5 Cr |
 Future Generali Varishta Bima |
60 Years - Lifelong | Yes for SI 7.5 and 10 L | Covered | 2 to 10 L |
 HDFC Ergo My:Health Suraksha Silver Smart |
18 Years - Lifelong | Not Mandatory | Covered | 3 to 50 L |
 Magma One Health Insurance Policy |
18 Years - No upper age limit | Not Mandatory | Covered | 2 L to 3 Cr |
 National Senior Citizen Mediclaim Policy |
65 Years - No upper age limit | Required | Covered | 1 to 10 L |
 Oriental (Health Of Privileged Elders) Plan |
60 Years - No upper age limit | N/A | Not Covered | 1 to 5 L |
 TATA AIG Eldercare |
61 - 85 Years | Required | Covered | 5 to 25 L |
 United India Senior Citizen Health Plan |
61 - 80 Years | N/A | Covered | 1 to 3 L |
 Universal Sompo Senior Citizen Health Plan |
60 - 70 Years | N/A | Covered | 1 to 5 L |
 New India Assurance Sixty Plus Mediclaim Policy |
60 - 80 Years | Required | Covered | 2 to 5 L |
Senior citizen medical insurance is designed to cover medical expenses for individuals who are 60 years and above. The policies cover medical expenses like,
Ayushman Bharat Pradhan Mantri Bima Yojana (AB-PMJAY), the largest health insurance scheme in the world, covers senior citizens in India. The Union Cabinet has expanded the scheme to cover senior citizens above 70 years regardless of their income. Some key developments of AB-PMJAY include:
Let’s take a quick look at the benefits available with the best senior citizen health plans:
If you are confused about investing in a senior citizen health plan, let us help you.
Senior citizens must invest in an ideal health plan to fight rising medical inflation. With increasing age, unpredictable health issues can lead to unexpected medical bills. Buying a senior citizen is imperative to safeguard your life savings from increasing medical care expenses.
Many senior citizens do not have children to sustain their lifestyle; therefore, investing in an ideal senior citizen health plan is a must.
Critical illnesses require expensive treatments which can drain your life savings. If you are diagnosed with a critical illness during the later years of life, having the best senior citizen health policy by your side is your best bet against the rising medical bills and also access to quality healthcare at listed network hospitals.
Investing in the best senior citizen health insurance in India offers peace of mind to all family members during times of medical distress. Compare and buy the best mediclaim with us to fight hefty medical expenses.
Take a look at all the features covered under senior citizen insurance:
Here is a list of exclusions under senior citizen health plans:
Under section 80D of the Income Tax Act of 1961, senior citizens are eligible for tax deductions. You are eligible for tax deductions up to INR 50,000 under section 80D if you pay premiums for your elderly parents. Additionally, you can avail up to INR 5,000 tax deductions on preventive health check-ups in every financial year.
If you are an earning senior citizen and are paying premiums on behalf of your children, you are eligible for additional tax benefits of up to INR 25,000 under Section 80D, Income Tax Act.
Consider the following factors when purchasing a senior citizen health insurance plan:
PolicyX is one of the leading health insurance aggregators in the market. The main aim of the company is to provide you with expert guidance in selecting a health insurance plan.
We understand the importance of health insurance for senior citizens today. Thus we provide a complete platform for you to search for your perfect senior citizen health insurance.
Follow the steps given below to find the best senior citizen health insurance plans in India at PolicyX:
Get quotes from top insurers by filling up this form.
Compare quotes from different insurers by using our Premium Calculator and select the desired plan as per your requirements.
Submit all the required details and documents.
Make the online payment and congratulations! Your health is now secured.
Documents required for senior citizen health insurance are given below.
Other health insurance documents are necessary as per the terms and conditions of the senior citizen health insurer.
Below are the steps to purchase senior citizen health plans online
India is witnessing a drastic change in the senior citizen mediclaim policy category. Elderly individuals recognize the need for a financial buffer against rising healthcare costs. The shift in purchase patterns for senior citizen health policy is an indicator of the impact of industry reforms and increasing awareness. With government, private, and stand-alone health insurers launching versatile senior citizen health plans, the healthcare landscape is becoming more accessible at affordable prices for individuals over 60 years.
For the latest information on the best senior citizen health plans, connect with our health insurance experts today.
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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.
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