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When you get older The chance of contracting minor or serious illnesses also increases. If you do not have appropriate health insurance Being hospitalized can put enormous pressure on your post-retirement body. Having affordable senior citizen health insurance must be part of your financial goals. If you haven’t received many benefits such as comprehensive insurance. Cashless hospital admissions Coverage for pre-existing illnesses Day care costs Ambulance coverage Free annual medical expenses All of these tests can save you a lot of money.

Indian Consultants analyzes 30 senior citizen health policies to help you choose the most appropriate and beneficial policy. Here are our top picks of the best senior citizen health insurance policies in India.

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Our ratings take into account product rewards, fees, rates, and other category-specific features. All ratings are determined solely by our editorial team.

Aditya Birla Active Care plan is the most suitable health insurance policy for seniors and senior citizens. The policy comes in three formats – Standard, Classic and Premier – and covers 586 days of care procedures, in addition to free annual check-ups and cashless home treatment. Policyholders can also receive electronic second opinions and health coaching on critical illnesses.

Red Carpet Senior Citizens of Star Heath provides comprehensive coverage to senior citizens aged 60 years and above. The minimum and maximum age is 60 years up to 75 years. The USP of this plan is that the policy covers all day care procedures. And pre-existing illnesses are covered after a waiting period of just one year. This is generally 2 in other policies.

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Policyholders also get an additional 5% discount for purchasing this policy online. No pre-medical screening is required before purchasing this policy.

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Senior Citizen Health Insurance Care aims to provide health insurance for senior citizens aged 61 years, with no upper age limit. In purchasing this policy Elderly people do not need to have a health examination before getting any insurance policy. This policy guarantees benefits such as free annual health examinations. Coverage for expenses before and after hospital admission Along with other benefits such as automatic top-up according to the insured amount. Modern treatment costs and much more Policyholders are given the option to select or waive the 20% co-payment feature.

Niva Bupa’s number one health policy is designed to provide comprehensive health cover for senior citizens over the age of 60. The policy provides benefits such as comprehensive cover of modern hospital treatment. Retrieval of the insured amount Coverage for road and air ambulance costs and all daytime medical treatment coverage Policyholders also have the option to waive some or all of the co-payment clause. And choose the annual deductible option to get better premium rates. There are also no sub-restrictions for common health conditions such as cataracts and joint replacements.

Bajaj Allianz Health Insurance for Seniors – Silver Health Plan It is designed for senior citizens who can purchase this plan even if they are 70 years old due to the high starting age. This plan also provides free health screenings. Covers daytime medical expenses, accumulated bonuses, ambulance fees, inpatient medical expenses, and much more.

Policyholders are given the option to waive the co-payment clause. There is also a 5% family discount for each member of your family covered under this policy.

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HDFC ERGO- My Health Suraksha has three different plans such as Silver Smart, Gold Smart and Platinum Smart plans. Providing multiple insured amount options ranging from INR 3 lakh to INR 75 lakh, this plan offers coverage options for individuals, families, and senior citizens. This policy is suitable for senior citizens as there are no age restrictions on entry. In the same way It provides several benefits such as road and air ambulance cover, AYUSH cover, return of the insured amount. Free annual health check and great fitness discounts of up to 10% on premiums

Future Generali Varishta Bima is a great option if you are looking for a senior citizen policy with coverage up to INR 10 lakh. The policy can be purchased from the age of 60 for life. It covers inpatient treatment costs. Expenses before and after hospital treatment Day care costs Road ambulance costs Policyholders can also include their spouses under the Floater plan. Policyholders can avail term discounts and premium discounts of up to 10%. However, this policy has certain sub-limits and co-payments.

New India Assurance’s Senior Citizen Medical Policy is designed for senior citizens between the ages of 60 and 80. The policy provides compensation for medical expenses. Medical expenses before and after being hospitalized Ambulance coverage pre-existing illness and daytime medical expenses with some minor limitations Policyholders also receive an additional 10% premium discount if their spouse is covered under the same policy. This plan is good if you are looking for good coverage with very affordable premiums.

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While ranking the best health insurance policies for senior citizens Indian Consultants has analyzed the policies and selected the best based on the following metrics:

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Senior citizen health insurance policies are specially designed to provide coverage to senior citizens above the age of 60. These policies provide broader coverage as compared to standard health insurance policies. Coverage covers expenses before and after hospital admission, child care expenses, and robotic surgery expenses. Expenses for treatment of serious illness, ambulance fees, no-claim bonus Coverage for pre-existing diseases and annual health examination

These plans offer comprehensive coverage because they cater to the health needs of seniors only when it becomes apparent that their health is more prone to serious or minor illnesses. Therefore, it is very important for senior citizens to have a senior health insurance policy.

The above are general inclusions and exceptions. Indian Advisor recommends looking at the policy documents for a complete list of what is and is not included. according to the selected policy

One of the main benefits of having a health insurance plan for seniors is the tax deduction on premiums paid by seniors aged 60 years and above.

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As per tax benefits u/s 80D(2)(b) of the Income Tax Act, 1960, there is a tax benefit of INR 25,000 applicable to each senior citizen parent. This benefit also includes preventive health check-up expenses worth INR 5,000. The maximum deduction amount in case of senior citizen is up to INR 1 lakh. However, if you are not a senior citizen and are responsible for the health insurance premium for your parents at Be a senior citizen You can then claim a deduction up to INR 75,000.

Consultants adhere to strict standards of editorial integrity. As far as we know All content is accurate as of the date posted, although offers herein may no longer be available. The opinions expressed are the author’s alone and have not been prepared, approved, or endorsed by any of our partners.

Elderly or elderly people are more prone to infection and illness than the general elderly. Therefore, it is necessary to have health insurance for the elderly. If there is an appropriate senior citizen health insurance plan during this lifetime You will not only receive cashless claims in times of medical emergency. But all age related issues are also covered through these plans.

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The following is a list of documents required to purchase or renew a health insurance policy for seniors:

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Not always, it depends on the insurance company and the senior’s medical history. All (policy holders), not all insurance.

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