Senior Citizen Health Insurance

Old age brings with itself several ailments that are expensive to treat and care for. Health insurance for Senior Citizens is offered by various insurance companies, specifically for people who are aged 65 years and above. These health insurance schemes readily cover any kind of medical expenses incurred by customers.

The older we get, the more our physical and mental stress over finances and the ability to afford good healthcare. A senior citizen health insurance plan is designed to offer financial aid for medical treatments to individuals over 60 years of age in their hour of need. Senior citizen health insurance plans offer critical illness cover, cashless hospitalisation, pre-existing disease cover, and a higher sum assured.

With increasing age comes the additional risk of contracting diseases and falling sick. Since, the later years of an individual’s life are physically more challenging and financially less sound, having a medical insurance scheme to take care of any urgent medical expenditure is a clever move.

Health insurance schemes for senior citizens/parents offer, various special features like cashless hospitalization, critical illness coverage, specific coverage for diseases like Cancer, Stroke and so on.

Key Features of Senior Citizen Health Insurance:

Some of the most significant features of health insurance plans for senior citizens in India are as stated below-

·         Hospitalization cover including medical bills and room charges.

·         Cashless Hospitalisation.

·         Day Care expenses which arise out of technological advancements.

·         Ambulance Charges are covered.

·         Pre-existing diseases are covered based on the insurance provider.

·         No medical test required before availing medical insurance. This is based on insurance

        provider.

·         Higher sum insured coverage.

·         Pre-existing disease coverage.

·         Faster and hassle-free settlement.