Top 10 Best Health Insurance Policies for Senior Citizens
Health Insurance Policies are quite mandatory for aged people because, at this stage in their lives, they are prone to various illnesses, accidents, mishaps and paralysis. The expenses required for older people are higher and time-consuming.
If you can avail of a health insurance plan for yourself then you need not have to worry about the funds required for the deteriorated conditions at your last stage. A senior citizen mediclaim policy delivers a lot of privileges to elderly people by covering a lot of health benefits for those who are above 60 years of age.
You can jolly well see below how the various health schemes would benefit you in your old age. So let's go ahead and you can find it out yourself:
Aditya Birla Health Insurance Benefits
This policy ensures a sum of money ranging from rupees three lakhs to rupees twenty-five lakhs. This covers an individual person as well as his or her family. This plan also serves the COVID patients by providing hospitalization.
This policy also provides cashless facilities for the people in network hospitals that are over 8700 in number. Health check-up is carried out on an annual basis. You will get a discount of 5 per cent on the sum assured if any two people in your family want treatment. You will get another 5 per cent discount if you prefer to go for two years policy.
Bajaj Allianz Health Insurance
This health insurance covers a huge sum of money starting from rupees fifty thousand to rupees five lakhs. But here the policy coverage is based on a single person only. Over 6,500 network hospitals make free admission there. Covid-19 treatment is also assured.
Free health check-up is done after every four years. A five per cent discount is given if two of your family members require treatment.
This policy also covers expenses for the patients who are treated inside the hospital, before admitting them into the hospital, after releasing them from the hospital, ambulance charges, daily care, and advanced treatment methods with modern technology.
Care Health Insurance for Senior Citizens
The sum of money which is insured ranges from three lakhs to rupees ten lakhs. Covid-19 treatment is also done. There is no prior medical check-up required. Annual health check-ups are available. There are over 16,500 hospitals that perform cashless admission.
This policy also covers certain expenses like hospitalization for in-patients, before admittance, on release, daily hospital expenditure, daily allowance, ambulance service, organ replacement or organ donation, and OPD care.
Bharti AXA Smart Super Health Insurance Plan
Older people who have reached 65 years of age are eligible to avail of this plan. It ensures a very high sum of money because old people need more medications and care. Under this policy coverage, patients are looked after with a variety of tests and upgraded surgical equipment.
Tests are withheld in highly equipped care units and expert practitioners. All these are covered under this scheme. AYUSH Treatment expenses are also incurred if the patient is being treated in a government hospital by five AYUSH doctors and there are at least fifteen patients.
Hospitalization is also taken into consideration if the treatment has been carried forward for three days successfully. It also covers the cost of critical illnesses, maternity facilities and daily hospital expenditures.
Cholamandalam Individual Health Insurance Plan
This insurance plan is beneficial for senior citizens who have reached 65 years of age. It covers the cost of hospitalization with the doctor's fees, ICU charges, and implementation of prosthetic devices.
It also ensures 60 days of coverage before admittance and for 90 days after release from hospitalization. Dental costs for the orthopaedic department are covered under its advanced scheme.
Daily care for 141 days on hospitalization under its medical insurance. There is no prior health check-up till the age of 55 years. There is no charge taken for claiming within three hours of duration.
Digital Health Care Plus Plan
This plan has been implemented especially to take care of the health benefits of the senior people and their medical expenses. It also covers multiple diseases and Covid-19. Expenses for critical illnesses and accidental situations are also taken into consideration.
Psychiatric medical expenses are also covered. Cancer treatment also comes under its coverage. Orthopaedic treatment and indoor patients are also treated under this planning scheme. Health check-ups are also carried forward.
Edelweiss Health Insurance Plan
This is one of the perfect health insurance policies as it does not give any bar for the upper age limit for elderly personnel. It delivers a coverage policy of up to rupees one crore for innumerable health causes and also promises recovery benefits.
This plan is segmented into three parts Silver, Gold and Platinum. Expenditure for hospitalization, pre and post-hospital charges, organ donation coverage and AYUSH Treatment are also born.
Charges for emergency treatment are also paid without any kind of capping. It also covers a group of eight people in a single policy. You can also pay for the accommodation services, maternity cover and coverage for serious illness. There is also a free check-up annually.
Future General Varishtha Bima's Plan
This insurance policy covers an individual who is 60 years and above. Apart from this, it also provides a definite health plan in a clear and precise manner.
Moreover, the plan is available for both individual and floater coverage.
This policy also covers in-patient hospitalization, pre and post-hospitalization costs are covered for 60 days and 90 days respectively. It also provides coverage for mental and psychosomatic problems.
This plan can easily be renewed in one's lifetime. Five per cent and ten per cent discounts for a long term of two to three years respectively are allowed. A ten per cent discount for the family and premium instalment facility is also available in this plan.
IFFCO Tokio Individual Medishield Plan
IFFCO Tokio Individual Medishield Plan is an insurance plan that covers insurance for people who are 65 years of age which makes it a perfect choice for people who have reached this age limit.
This plan provides coverage against sickness, accidental occurrences and emergency support requirements. Under this coverage comes hospitalization costs with pre and post-hospitalization costs as well as organ donation expenditure.
Ayurvedic treatment and homoeopathic treatment which are non-allopathic are also covered. 12 major illnesses are also covered under it.
A discount of about 5 per cent is allowed on the premium and insurance for two additional members and a 10 per cent discount is insured for more than two members under the same plan.
But there are also certain limitations under this plan. Pre-medical screening is required for senior people who have crossed 60 years of age.
If there already exists any kind of disease, then it will also be covered after waiting for three years. Unless and until it is an accidental case, treatment can not be undertaken if not waited for 30 days.
Kotak Mahindra Health Care Plan
Kotak Mahindra Health Care Plan is a very good plan for senior citizens 65 years of age as it covers a lifetime of comprehensive renewability. An annual health check-up is also done for free.
This plan comes in three variations like Excel and Premium plans. It covers all kinds of hospitalization expenses. It provides coverage for the day-to-day treatment.
Ambulance costs are also borne. However, the policy gives coverage for pre-existing diseases after waiting for four years and specific diseases are covered after waiting for two years.
It is to be acknowledged that people are prone to diseases and sickness when they grow old as they lose their natural immunity. When old people are checked for a long-term disease or long-term illness, it leads to high expenses and the treatment is being carried out for a prolonged period. If you can avail the best medical insurance policies for your family members, then you can stay cool and calm as you need not have to worry about hospitalization costs. Always try to get a senior citizen health insurance policy as the medical claim might not be enough to bear the sum total cost for you or your whole family. Therefore when you have read the various policies narrated above, then it would become easier for you to select which senior citizen policy is going to suit the senior members of your family.
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