Mediclaim for Senior Citizens

Hello sir I am here as I want to get the list of the Top Insurers Providing Senior Citizen Health Insurance Policy in India so will you please provide me the list??

Health insurance for Senior Citizens is offered by various insurance companies, specifically for people who are aged 65 years and above. These health insurance schemes readily cover any kind of medical expenses incurred by customers.

Key Features

Some of the most significant features of health insurance plans for senior citizens in India are as stated below-

-Hospitalization cover including medical bills and room charges
-Cashless Hospitalisation
-Day Care expenses which arise out of technological advancements
-Ambulance Charges are covered
-Pre-existing diseases are covered based on the insurance provider
-No medical test required before availing medical insurance. This is based on insurance provider
-Higher sum insured coverage
-Pre-existing disease coverage
-Faster and hassle-free settlement

As per your demand here I am providing you list of the Top Insurers Providing Senior Citizen Health Insurance Policy:


Bajaj Allianz Silver Health:

The key features of the Bajaj Allianz Senior Citizen Health Insurance called Silver Health are:

-Cashless facility in all of the network hospitals, under the Silver Health plan.
-Bajaj Allianz Diagnostic centres can be used for a free health check-up after a period of 4 years which are claim free.
-Extra 5% discount for the family, and a bonus which is cumulative at a 5% rate for every claim free year.
-Individuals within the age group of 46 years - 75 years are eligible for this plan, after required medical tests.


New India Assurance Senior Citizen Mediclaim Policy:

The key features of the New India Assurance Senior Citizen Health Insurance called Senior Citizen Mediclaim Policy are:

-Eligibility for this policy, the individuals should be between the ages of 60 years - 80 years. This can continue up to 90 years if renewed without a break.
-Pre and post hospitalization charges are covered up to 30 days for pre hospitalization and 60 days post hospitalization.
-Hospitalization for illness and injuries will be covered and all treatments conducted will be covered as well.
-All pre-existing ailments and diseases will be covered after the completions of 18 months with the continuous involvement with the company.


Oriental Insurance - HOPE:

The key features of this senior citizen health insurance called HOPE - Health of Privileged Elders, which will provide insurance for specified diseases:

-The policy will provide the room rates, expenses related to nursing, to the limit of 1% of the sum insured.

-The policy will include ambulance charges up to Rs. 1000/- or the actual expenses incurred.

-All doctors, anaesthetist, surgeon, specialists charges are covered under the policy. As well as all the costs related procedures they will need to perform. Example, blood, oxygen tanks, surgical appliances, Dialysis, Chemotherapy, Radiotherapy etc.

-If the insured individual will need intensive care, then intensive care unit will be covered to a limit of 2% of the sum insured per day.


United India Insurance for Senior Citizens:

The key features of the United India Insurance for senior citizen health insurance are:

-The policy will cover hospitalization for room and boarding expenses and expenses related to nursing to the limit of 1% of the sum insured or the actual expenses incurred whichever is less.

-All doctors, anaesthetist, surgeon, specialists charges are covered under the policy. As well as all the costs related procedures they will need to perform. Example, blood, oxygen tanks, surgical appliances, operation theatre charges, x-rays etc.

-Pre and post hospitalization charges are covered up to 30 days for pre hospitalization and 60 days post hospitalization.

-For Cataract, Hernia, and Hysterectomy – the coverage will be 25% of the sum insured or the actual expenses incurred whichever is less.

Star Health Insurance Senior Citizens Red Carpet:

The key features Senior Citizens Red Carpet policy from Star Health are:

-Individual eligible for this policy is anyone between the age group of 60 years - 75 years. And they will not require a pre medical test for this policy.

-There are 2 different sum insured to choose from Rs. 7.5 lakhs and Rs. 10 lakhs. Purchasing the policy from their online portal will give you a 5% discount.

-A minimum of 24 hours of hospitalization at the in-patient, including expenses related to the room rent, nursing, boarding, doctors, anaesthetist, surgeon, specialists charges etc.

-Pre and post hospitalization charges are covered, as well as ambulance costs, as specified.


Religare Care Freedom:

Religare Care Freedom is a health insurance plan from the giant insurance provider Religare. The plan is unique since it offers the freedom to avail medical insurance without a medical check-up.

-Minimum entry age is 18 years for adults and upper age has no limit. The scheme offers life-long renewability

-All customers, irrespective of their age are eligible to avail this medical insurance policy without going for a medical check-up. Medical screening is not mandatory to avail this insurance scheme

-All members of the scheme are eligible to get coverage for annual health check-up

-Cashless treatment and quick claim settlement are major highlights of the Care Freedom Policy

-Sum assured gets recharged automatically if the coverage limit is exhausted as a result of any claim made

-Any pre-existing disease disclosed attracts a waiting period of just 2 years

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Answered By StudyChaCha Member