Senior Citizen Health Insurance

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  • No pre-policy medical check-up required
  • Get quotes from top health insurers such as Religare and Star Health Insurance
  • More than 150 day-care procedures covered
  • Benefit of lifelong renewability
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Advantages of Senior Citizen Health Insurance

Lifelong Renewability
Senior citizen health insurance can be renewed for life allowing you to get insured for life. This is an added advantage which allows you to enjoy the lifelong coverage at a cost-effective premium.
Cashless Treatment
This policy offers the benefit of cashless hospitalisation where your medical expenses are directly settled by the insurer. The insurers offer 5000+ network hospitals where you can avail this facility.
No-Claim Bonus
Senior citizen health policy awards bonus for every claim-free year if the policy is renewed without break. In such a case, either sum insured increases or premium decreases by a certain percentage or both.
Pre-existing Diseases Cover
Health insurance for senior citizen will cover all the pre-existing diseases insured may be suffering from, such as high cholesterol and diabetes after 12 to 24 months from the date of commencement of the policy.

Benefits of Senior Citizen Health Insurance

Pre and Post-hospitalisation Covered

  • Post hospitalisation expenses such as a regular visit to doctors, medication expenses, and follow-up examinations to be made is covered under the policy. These expenses are covered up to 60 days.
  • The medical expense incurred before hospitalisation is also covered up to 30 days.
  • Senior citizen health insurance also covers OPD expenses such as doctor fees, diagnostic tests, and medical bills.

Medical Expense Cover

  • Health insurance for senior citizen will pay for room rent, nursing and boarding cost, surgeon, anaesthetist, medical practitioner, consultants, and specialist fees. Cost of medicine is also covered up to the specified limits.
  • Medical expenses arising from sudden illness, surgeries and accident are covered by the policy.
  • This policy also offers free health check-up facility at the end of every year.

Day-Care Treatment Cover

  • More than 140 daycare procedures are covered under the senior citizen policy. These are the medical treatment which does not require hospitalisation for more than 24 hours.
  • All important procedures or operation of ears, eyes, tonsils, mouth and nose are covered by the policy.
  • Treatment of urinary system, respiratory systems and heart procedures like angiography and angioplasty are also covered.


The pre-existing disease is the disease or ailment which existed before the inception of senior citizen health policy. This is important to know because there is a specific waiting period for such diseases, which will be compensated by the insurer only after completion of the waiting period. Generally, this waiting period ranges from 24 to 48 months.
Cashless hospitalisation means when you get admitted in the hospital, you need not have to pay any expenses to the hospital. These medical expenses are paid to the hospital by the insurer directly once you make claim against the policy. To avail this facility you should avail treatment in any of the network hospitals of your insurance company.
Co-payment is a certain proportion of the claim amount which you have to pay from your pocket while insurer will pay the remaining amount. Most senior citizen health insurance policies in India has co-pay clause which may vary from insurer to insurer. It is advised to buy the insurance policy which are having lower co-payment rates.
There are many additional benefits available under the mediclaim policy for a senior citizen like daily hospital cash, accidental coverage, international treatment cover and coverage for domiciliary treatment which allow for treatment at home if a senior citizen is unable to go to the hospital.
Any self-inflicted injury, suicide, injury due to drug use or alcohol overdose are generally excluded from the policy. Treatment related to pregnancy, miscarriage, and abortion is also excluded. Medical expenses incurred for the treatment of AIDS and congenital disease are generally not covered under senior citizen health insurance plan.
Yes, health insurance for parents reimburses all the medical cost even if you do not get treated at a network hospital. To get your reimbursement, you just need to submit your medical bills along with other documents as specified by the insurance company. After submission of documents, the insurer typically takes 15 to 20 days to review the documents and transfer the claim amount.
Documentation plays an important role while filing the claim. If we submit the correct documents, claim to get settled easily. A few common documents for senior citizen health insurance policy are - claim form signed by hospital/doctor, investigation report, a final bill with a breakup, medical reports and doctors prescription.
No, pre-existing diseases has specific waiting period under senior citizen health insurance policy, hence it cannot be covered from day one of policy. This waiting period varies from insurer to insurer. Once this waiting period is completed, you can file claim for such ailments. Generally, in this policy the waiting period for specific diseases varies from 1 to 3 years.
Claims are generally denied if you hide important medical information which may be because of an inadvertent omission of information or a deliberate omission to save on premiums. Hence make sure that you disclose all the important information in the proposal form. Also, you must make sure that you are not claiming for the treatment which is excluded from the policy.
The premium of health insurance policies generally depends upon the age of the insured member. Hence the premium for senior citizen health insurance is generally higher than the standard health policy as the risk of a claim is higher. However, we provide you with the options offering good coverage at the standard premium rate.
The premium of senior citizen medical insurance is calculated based on some main factors like age, sum insured and pre-existing diseases. In order to get quick quotes online, you can fill the basic details in the above form and you will get the competitive options, which you can compare to choose the best suitable policy for you.
There is a free look period of 15 days after buying the policy to understand the terms and conditions. In case you want to cancel the policy, you will be refunded with premium after certain deductions. Such deductions include stamp duty, medical checkups and proportionate risk premium. Also, there should be no claim during this period so as to get a refund.
You can avail tax deduction under Section 80 D for the premiums paid for senior citizen health insurance. Since you will renew the insurance every year this one purchase can be used for claiming tax benefits year after year. If you are paying the premium towards your parents' policy, you can avail tax benefit for yourself as well.
With the increasing age, the frequency and severity of illness increase too. Also due to technological advancement, medical treatment costs are at risk. After retirement, the regular income tends to decrease with an increase in health risk. Hence one should buy senior citizen insurance in order to take care of medical expenses during this stage of life.
Yes, it is important to disclose current health condition such as any pre-existing disease or past disease of the insured member at the time of buying the policy in order to avoid the claim rejection at later date. Insurance companies have the right to terminate a policy or deny a claim on the basis of the policyholder’s false data or hidden medical history.
Sublimits are generally the maximum amount of claim amount which you can avail for different medical expenses. Generally, room rent, doctor fees, ambulance charges and surgery charges come with sublimits in senior citizen health insurance. The sub-limits are a certain percentage of sum insured or the certain amount specified by the insurance company.
General documents required in order to buy senior citizen health insurance plan are age proof, address proof, identity proof, income proof and duly filled proposal form. In case you are having any pre-existing disease, then supporting documents for any such conditions should be provided while buying the policy.


What should you consider while buying health insurance for senior citizens?

People who are looking for health insurance for their senior citizen parents, or senior citizens who want to buy health insurance for themselves, should consider the following points which will help them to buy the right policy:

Age: Most of the health insurance companies offer policies for senior citizens, but they limit the entry age as 65....
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How does portability work in case of Senior Citizen Health Insurance?

In case you are not satisfied with the services and coverage of your senior citizen health insurance, you can think of porting the policy. The portability also results into waiving off waiting period for pre-existing ailments with the new insurer if you have served the same number of years in the current insurance policy. Also, portability happens between the same....
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What happens when you cancel a senior citizen health policy midway through the policy year?

If you have a senior citizen health insurance policy, it is feasible to cancel the policy midway through the policy year.

Here it is important to note that a health insurance company can also cancel the insurance policy by sending 30 days’ notice at the insured’s last registered address. In such a case, the insurer shall refund the premium to the policyholder....
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