Senior Citizen Health Insurance
  • Avail cashless treatments
  • Day care procedures
  • Lifelong renewability

Plan Starting @ Rs. 46/day*

Health insurance for senior citizens
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Health insurance for senior citizens in India

As a person grows older, the possibility and severity of certain diseases increases. In return, the elderly are burdened with increased healthcare bills. However, apart from their pension, many of the senior citizens in India do not have a regular source of income. With their low means, paying for pricey medical treatment may be challenging. That is why getting health insurance for senior citizens in India is extremely important.

What is Senior Citizen Health Insurance?

Senior Citizen Health Insurance is specially designed for individuals lying between the ages of 60 and 80 years. With a separate health insurance plan for aged individuals not only one can secure his/her health while dealing with old-age health issues, but can also avail of several benefits such as coverage for pre and post-hospitalisation, in-patient hospitalization, and no pre-screening, among others.

Why Do You Need a Medical Insurance Policy for Senior Citizen?

There are several reasons that wil justify buying a seperate medical insurance for senior citizens. Take a look:

  • With the continuous rise in healtcare costs, having a seperate senior health insurance for your aged parents or grandparents is quite important. Not only will it ensure that they can avail quality healthcare facility but also will protect your finances
  • The possibility of critical illnesses such as heart disease, cancer, and other serious disorders grow more as people age. With a senior citizen health insurance policy, you can also get coverage for critical illnesses as part of your standard plan or as an add-on cover.
  • Knowing that your parents/grandparents healtcare needs are looked after, will offer peace of mind and will ensure that they receive the best of everything.

Best Health Insurance Plans for Senior Citizen in 2023

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

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

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

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

How Is Senior Citizen Health Insurance Different From Standard Health Insurance?

Though standard health insurance is suitable for most people, however, old citizens may not always benefit from it. Not only the entry age is restricted to 60- 65 years (in general), but the benefits and coverage they provide may not be enough for old age.

Generally, looking at your growing age, a standard health insurance policy may ask for medical check-ups, and may deny you the health coverage. However, even if you get the coverage, you will end up paying higher premiums.

Therefore, if you want to spend your money in the right place, it's a safe bet to invest in senior citizen health insurance. Without burdening your wallet, you can avail of an ideal coverage, plus the maximum entry age is close to 80 years (depending on the insurer). Such plans are designed to target old age health problems and give the insured peace of mind during a medical need.

Other Senior Citizens Health insurance companies

What Are The Benefits Of Medical Insurance 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.

What is Covered Under Mediclaim Policy For Senior Citizens in India?

Mediclaim for Senior Citizens comes with a vast coverage that makes it a must buy for the senior citizens. Take a look below at some of the standrad inclusions of Senior citizen health insurane policy.

  • In-patient Hospitalization
  • Pre & post hospitalization expenses
  • Organ donor expenses
  • Coverage agains Covid-19
  • Domiciliary hospitalization
  • Day care treatments
  • AYUSH treatment coverage

What's Excluded Under Medical Insurance For Senior Citizens In India?

Every Health Insurance company has a certain list of treatments that they do cover. Below are some of the clauses that are generally not covered under the Health Insurance Policy for Senior Citizens:

Pre-existing injuries/diseases (before the waiting period).Self-inflicted injuries.Injuries due to drug or alcohol abuse.Cosmetic surgery. Injury due to war, an act of a foreign army, etc.

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Health Insurance Companies

Why Should You Choose Medical Insurance for Senior Citizens? Should All Parents Go For It?

As you age older, you get more prone to diseases. Without the backing of a health cover, it'll take a matter of days to finish up your savings. To avoid doing that, health insurance is an absolute necessity. However, as we discussed earlier, there is one minor issue. Standard health insurance comes with a few limitations- maximum entry age of 65 years (generally), the long waiting period for pre-existing conditions, and sometimes even a higher co-payment clause. If you are a person above 66 years, need a low co-pay clause, low waiting period and large coverage, then senior citizen insurance is your best companion.

And before you ask, not all individuals/parents need to go for this type of Health Insurance. If you're looking for health insurance plans for parents with age less than 45 years and a family to cover, then you can consider a family floater health plan. It will cover the entire family under a single sum insured.

Senior Citizen Health Insurance
Senior Citizen Health Insurance

What to Keep in Mind Before Buying a Health Insurance Policy 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.

How Can I Decide An Ideal Coverage Amount For Senior Citizens?

Buying a health insurance plan and choosing an ideal coverage for your old age is a simple task if you take all the crucial points into the consideration. Let's briefly discuss a few of them-


Medical costs for the treatment of aged individuals are considerably higher than those of younger individuals. Therefore, they would be needing a plan that offers high coverage. For example, with your grandparents deteriorating age, they may require to visit the doctor more often. Hence, the coverage of Rs.1-2 Lakhs won't be enough.

Ideal Coverage Amount for Senior Citizens Based on their Age


What's the point of going for coverage of Rs.20 Lakhs if you can't afford to pay its premium? It will add unnecessary stress on your wallet. Rather, the smart decision will be to opt for a coverage whose premium amount matches your budget.

Ideal Coverage Amount for Senior Citizens Based on Affordability

Medical History

Before you decide your ideal coverage amount, do consider if your parents or grand-parents have any medical history. If yes, then analyse the treatment cost by keeping all the factors in mind, and then decide on a coverage amount. For example, the sum insured of Rs.5-10 lakhs won't be enough to take care of your knee replacement expenses.

Ideal Coverage Amount for Senior Citizens Based on their Medical History

Geographical Location

The coverage amount varies depending on your area of residence. Since healthcare differs from state to state, one living in a metropolitan city would be needing higher coverage. For example, expenses to treat brain surgery in Mumbai would be higher as compared to Ranchi.

Ideal Coverage Amount for Senior Citizens Based on their Geographical Location

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Senior Citizen Health Insurance Plans for 2021 in India

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.

Health Insurance Articles

Senior Citizen Health Insurance: FAQs

1. 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.

2. 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.

3. Do I need to pay more for such health insurance plans?

Yes, Medical Insurance for seniors is costlier than other health insurance plans. This is because older people are more prone to diseases, which may lead to more medical complications.

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. Can I cover my old parents under a family floater or do I need to buy a specific Senior Citizen Plan?

Including senior citizens in a family floater comes with certain limitations, such as the age limit. The maximum entry age limit of family floater plans is 65 years. If your parents have crossed this age limit, they will not be eligible for the plan.

Another drawback that one may come across is the higher premiums. Health plans charge higher premiums because of the risk involved. Therefore, it is always a good idea to buy a separate senior citizen health citizen plan.

8. 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.

9. 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.

10. 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.

11. 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.

12. 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.

13. 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

14. 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.

15. 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.

16. 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.

17. Do senior citizens get continuity advantages if they port their senior citizen health insurance plans?

When you port your senior citizen health insurance policy from one insurance company to another, you are allowed to carry forward your continuity advantages, such as No Claim Bonus or cumulative bonus and waiting periods, to your new policy. However, you need to port to a plan with similar coverage to ensure continuity benefits. Make sure to contact the insurance provider beforehand to know about the terms and conditions related to insurance portability.

18. 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.

19. Can I buy health insurance for my 70 year old father?

Yes, you can buy health insurance at 70 if there is no entry age limit in the policy you are opting for.

20. I want to buy medical insurance for senior citizens. What is the age limit?

You can buy medical insurance if only you are between 60 to 80 years of age at inception.

21. How can I calculate the premium for senior citizen health insurance?

You can use the premium calculator easily available on the website. Just fill in the asked personal details and click on calculate premiums.

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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.