Senior Citizen Health Insurance

Covers all costs for hospital stays, including room rent, nursing, ICU charges, surgeon and anesthetist fees, medical investigations, and medicines.

Policies cover chronic conditions like diabetes, hypertension, or heart disease after a waiting period, usually 24–48 months, so you can get treatment even if you already have health issues.

Covers medical procedures that don’t require a 24-hour stay, such as cataract surgery, dialysis, chemotherapy sessions, or minor surgeries.

Provides hospital-level treatment at home if hospital admission is not possible, ensuring you still receive proper care.

Emergency ambulance charges are included when you need to be transferred to the nearest empanelled hospital.

Most health insurance plans for senior citizens offer cashless facilities at network hospitals, meaning the insurer pays the hospital directly after pre-authorization.

If your sum insured is exhausted during the policy year, it can be automatically topped up, giving additional coverage for emergencies.

Many plans include annual health check-ups, teleconsultations, wellness programs, and chronic disease management services.

Your sum insured may increase in the following year if no claims are made, rewarding you for staying healthy.

You can renew your policy every year for life, regardless of age, ensuring continuous protection for seniors.

Some insurers offer optional riders for critical illness or other special needs—always read the policy carefully before opting for these.

It is essential to choose a plan that offers lifetime renewability, which ensures your coverage continues uninterrupted as you grow older, giving you peace of mind.

Always check how long the policy requires you to wait before covering pre-existing conditions. Shorter waiting periods, such as 24, 30, 36, or 48 months, are better because they allow you to claim sooner.

Make sure the plan provides an adequate sum insured to cover rising medical costs. Restoration or top-up benefits are valuable because they replenish your coverage if it gets exhausted during the policy year.

Check if the plan has any restrictions on room rent or ICU charges. Some policies cap these amounts, which can affect how much the insurer pays for hospitalisation.

Many senior plans require you to pay a portion of the claim, known as co-payment. While this reduces your premium, it increases your out-of-pocket expenses at the time of claim, so choose carefully.

A large network of empanelled hospitals across cities ensures you can access treatment easily and avail cashless benefits during emergencies.

It’s important that the plan covers common senior treatments like dialysis, cataract surgery, and home-based hospital-level care.

Check how many days of medical expenses before and after hospitalisation are covered to ensure comprehensive care.

Carefully read the policy brochure to understand what is not covered and any limits on specific treatments or services.

Review the insurer’s real-world claim settlement ratio and customer feedback to assess reliability and ease of claiming.

Some plans offer optional add-ons like critical illness coverage, hospital cash, or top-ups. Always check their pricing and value before opting in.

Make sure the plan provides a grace period for premium payment and a free-look period, which allows you to review the policy and make changes if needed after purchase.