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Best Health insurance plans for senior citizens and certain disabled individuals

health insurance plan for senior citizens and certain disabled individuals

It is important for senior citizens to get health insurance benefits from health insurance policies as they are more prone to diseases and disabilities in old age. However, most illness burdens can be cured with proper health care facilities. Investing in a good health insurance policy for the elderly can provide proper health care facilities without worrying about costs.

With the growth of the Indian healthcare industry, health insurers are offering newer and better plans with attractive features. A few years ago, health insurance schemes for the elderly were rare or non-existent. Today, most insurance companies offer health insurance plans for seniors, where seniors can benefit from insurance plans. Current insurance companies have included a wide range of health insurance plans specifically designed for the geriatric population of India.

The lack of income after retirement and the increasing incidence of diseases in old age has caused concerns among the population about how to bear the ever-increasing medical costs of later life. In such a scenario, older Health insurance plans for senior citizens and certain disabled individuals are a form of blessing for the middle-aged man, who can benefit from coverage benefits at an older age to cover the rising cost of health care in old age.

Most of the top insurance plans on the market have some common features that you need to know before you try to invest in yourself or your parents. Check out some common features you need to know before attempting to invest in health insurance plans. Let’s take a look at some of the common features of old-fashioned health programs on the market today.

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Co-pay clause:–

Co-pay clause image

The co-payment clause generally applies to senior citizen policies where the insurer emphasizes the claim of individual shares in a specified proportion. This ratio is usually in the 10-30% zone and defines the ratio of claims to be paid by the policyholder each time a claim is raised.

For example, under a plan with a co-payment limit of 20%, if any claim arises, the policyholder will have to bear 20% of the claim amount and the insurance company will respect the remaining 80% of the claim. So for a claim of Rs.10,000 under the plan, you have to sell yourself Rs.2000 and your plan pays Rs.8000.

Limits on the sum assured:–

Limits on the sum assured image

The guaranteed amount available in senior programs is usually limited. As it is known that the elderly are at greater medical risk, insurers usually cover the maximum amount of coverage from which they can benefit. The amount of coverage covered ranges from Rs 1to 3 lakhs in general, with the exception of the Red Carpet Plan health insurance star.

Pre-existing clause:–

These pre-existing conditions are common in other health insurance plans, pre-existing conditions that take into account conditions that exist when the program was purchased and are excluded from coverage for certain years. Elderly policies also include a waiting clause to cover pre-existing illnesses. The waiting period ranges from 2 to 4 years.

Medical examination:–

In many cases, senior plans may include a mandatory health examination of the person before coverage is granted. To assess the overall risk presented by the individual, a medical examination is performed by the insurance company. The cost of the required medical examination may be borne by the customer or the company or both in a fixed proportion. Besides the above features, almost all other Health insurance plans for senior citizens and certain disabled individuals’ plans for the elderly are similar to those found in normal health plans. Although many companies have policies covering the elderly, here we have chosen insurance companies that offer plans specially designed for the elderly.

New India Assurance Senior citizen Mediclaim Policy:–

A contract that can be used by people aged 60 to 80 can be extended until the person is () years old if the program is constantly renewed with the company. Basic coverage includes before and after hospital expenses, ambulance expenses, hospital expenses for illnesses and injuries, to name a few.

The policy is to reimburse hospital expenses for illnesses/injuries. If the claim is accepted, the company will pay the costs subject to certain conditions specified in the policy

Star Health Senior citizens red carpet policy:–

This program can be used by you if you are 60 years old and over 75 years old. No medical examination is required prior to acceptance. This procedure applies to pre-existing diseases from the second year. Outpatient medical advice is available at a network hospital. The stable premium with lifetime renewals is guaranteed. It is possible to continuously update the program for life. Hospital costs, including before and after treatment, ICU charges, surgeon fees, etc. covered by the policy.

TATA AIG Medisenior plan:–

People aged 61 and over without a minimum entry age can use this program comfortably. This program provides, among other things, hospitalization, home treatment, organ donor costs, and ambulance charges. It Covers pre-existing diseases. You can enjoy the convenience of claims without cash

Apollo Munich Optima Senior Plan:–

This plan was designed for people aged 61 and over. This health insurance plan offers to cover the elderly as well as their spouses. A 5% discount is offered if your spouse is also covered by the plan. There is no maximum end of coverage age in this policy, which means you are covered for life once you are insured. An opportunity for lifelong renewal is here. No subscription fees based on complaints or complaints. Cashless transactions can be made at any of the 4,000 hospitals in the network. Among the list of coverage offered, basic coverage includes hospital, pre, and post-hospital care, daycare, ambulance costs, etc.

The Hartford:–

Hartford’s Fully Insured Group Retiree Health Care Plan is designed in a way that it can help pay for Medicare deductibles, co-pays, and Medicare-eligible medical expenses that are not covered by Medicare. . This helps ease companies’ burden of pensions and may reduce their costs. It is part of health insurance cost control measures. Retirees are taken out of the active employee health insurance plan, which can improve the effectiveness of the employee plan. Employers can choose from a range of medications that best meet the needs of the retired. Retirees can access any hospital nationwide, at home or abroad. This policy provides excellent coverage.


GEICO studies and knows the needs and interests of customers over 50 years of age and therefore tries to provide the best policy. The peak period contract can be automatically applied to your policy when you first purchase your insurance policy with GEICO or at the time of renewal.


By offering affordable health plans, Health Suraksha silver smart is the most convenient plan for your parents that takes care of all their medical needs at affordable rates. You can improve your existing health plan with a premium top-up policy that offers higher coverage at a lower premium. Hospital costs include medical planners for emergency hospitals and medical expenses. All expenses such as the ICU, diagnosis, medication, room rent, and nursing costs remain covered. Comprehensive coverage for medical consultations, exams, and prescriptions that take place 60 days before hospitalization and many other benefits such as adventure sports injuries, self-inflicted injuries, war, STDs, cosmetic surgery are all included.

Max Bupa Health Insurance:–

The Max Bupa health insurance for paramedics first covers existing illnesses to a certain level with a two-year waiting period. Offers complete peace of mind and peace of mind by providing access to day one exams and coverage for daycare treatments such as angiography, dialysis, radiation therapy, chemotherapy, etc. For common health conditions like cataracts, joint replacement, cancer, or more, it offers a hassle-free repayment process.

National health insurance:–

Mediclaim National Seniors Policy is a Health insurance plans for senior citizens and certain disabled individuals for seniors groups of people with a higher insurance sum of up to 10 lakhs. The policy covers all expenses related to inpatient treatment in a category such as medical treatment, Ayurveda, homeopathy, and home hospitalization, which are reasonable and normally incurred for treatment Diseases or injuries contracted or continuing during the policy term

Final Words

Many people believe that older adults cannot get health insurance if they have a pre-existing condition. Many people refrain from purchasing health insurance if they have a pre-existing condition such as diabetes, high blood pressure, etc. because they think they will be denied health coverage. this is not true. If you are 60 years old, you can still live a stress-free life by subscribing to the appropriate health insurance plan.

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