5 Best Health Insurance for Senior Citizens in India
Posted: Aug 12, 2016
What is Health Insurance?
Health insurance policies offer a different kind of coverage against different kind of unfortunate events. It provides assistance in case the policyholder meets any medical emergency. It covers the cost of hospitalization and other expenses incurred in the treatment.Senior health plans are similar to normal health plans available in the market. There are numbers of health plans for senior citizens in the insurance sector. This is the reason why it becomes tough to choose the right plan from the wide ray of options available in the market. Senior citizen plans are designed in a way that it offers medical assistance to old people at affordable premium rates.Let us see benefits offered by the 5 best senior citizen health insurance plans in India:
Best Health Insurance Plans for Senior Citizen in India
- Bajaj Allianz Silver Health• Cashless claim facility at all the empanelled hospitals, listed under Silver Health plan.• Bajaj Allianz Diagnostic centre allow the policyholders to avail a free health check-up after a period of 4 claim free years.• This plan offers extra 5% discount for the family.• You can buy Bajaj Silver Health if you are within the age group of 46 years - 75 years. • This plan requires some medical tests.
- New India Assurance Senior Citizen Mediclaim Policy
- Eligibility for this senior citizen plan is between the ages of 60 years - 80 years. • Pre and post hospitalization charges are covered up to 30 days before the hospitalization and 60 days after the hospitalization.• Medical emergency due to illness or injuries is covered under New India Assurance senior citizen plans.• All pre-existing diseases are covered after the completions of 18 claim free months.
- Oriental Insurance - HOPE• Oriental Insurance provides coverage for the room rent. It also covers other treatment expenses up to the limit of 1% of the sum insured.• It provides coverage for the expenses incurred due to ambulance charges up to Rs. 1000.• This plan also covers the expenses incurred due to doctors, anesthetist, surgeon, blood, oxygen, Dialysis, Radiotherapy etc.• In case the senior citizen needs intensive care, the policy covers the intensive care cost up to the limit of 2% of the sum insured.
- United India Insurance for Senior Citizens
- The policy covers hospitalization expenses.• It also bears the cost incurred due to room, ambulance services and nursing to the limit of 1% of the sum insured.• This plan also provides coverage for all types of expenses incurred other than the hospitalization expenses. It covers the expenses incurred due to the following; doctors consultation, surgeon, blood, oxygen, surgical appliances, operation theater, x-rays, medical tests, etc.• This senior citizens health insurance by United India Insurance covers the Pre and post hospitalization charges. It covers up to 30 days before the hospitalization and 60 days after the hospitalization.• For treatment such as Cataract, Hernia, and Hysterectomy the policy covers 25% of the sum insured.
5. Star Health Insurance Senior Citizens Red Carpet• Individual who is between the age group of 60 years - 75 years can purchase the policy. • It does not require any pre-medical tests.• You can choose between 2 different sum insured options; Rs. 7.5 lakhs and Rs. 10 lakhs.• It offers 5% discount when you purchase the senior citizen health insurance policy online.• It offers cashless hospitalization in case the policyholder is hospitalized for more than 24 hours of hospitalization.• This policy also covers the expenses incurred due to facilities, for example, nursing, boarding, doctors, anesthetist, surgeon, specialists, etc.• Star senior citizen health insurance plan covers the pre and posts hospitalization expense for 60 days before and 90 days after the hospitalization.
Hope this article provided useful information regarding your query. Now, as you are aware of the 5 best senior citizen health insurance plans you can easily buy the one that suits you best. Simply compare these policies and buy it online within a few minutes.
Prateek is a seasoned independent writer. His explanatory and creative writing style helps understand the subject matter easily and offers tips, tricks and expert suggestions for Star Health Insurance polices..