Ideal Health Insurance Policies for Senior Citizens | Fusion - WeRIndia

Medical insurance is very useful in times of medical emergencies for everyone. If you are a senior citizen who is looking for medical insurance policies to protect against health emergencies, then this article is very useful to you. Or if you are searching for ideal health insurance policies for your parents, then read this article.

In recent days, many companies designed some health insurance policies exclusively for senior citizens. Here are some such ideal mediclaim policies for senior citizens.

Star Health Insurance Company Senior Citizen Red Carpet Plan

The entry age for this plan is 60 to 69 years and the policy can be renewed lifelong. The Sum Assured ranges from Rs.1,00,000 to 5,00,000. It covers any preexisting diseases after one year. If treatment is taken in hospitals other than a network hospital, 10% copayment is admissible. If the policy holders are aged 56 and above and bought the health plan for the first time, then 20% copayment is applicable for them.

Bajaj Allianz Sliver Health Plan

The entry age for this plan is 46 to 75 years. The policy can be renewed up to 75 years. The Sum Assured ranges from Rs.50,000 to 5,00,000. It covers any preexisting diseases after one year. If treatment is taken in other hospitals than a network hospital, no copayment is admissible. Paying additional premium can help in waiving copayment.

National Insurance Varistha Mediclaim Policy

The entry age is 60 to 80 years for this policy. Renewals can be done up to 90 years. The Sum Assured ranges between Rs.1 lakh for hospitalization and 2 lakh for critical illness. Any preexisting diseases can be covered after one year. 10% copayment is admissible for the claims which arise due to preexisting diseases, and 10% claim amount is to be borne by the insured.

Apollo Munich Insurance Optima Senior

This plan is applicable for 61 years and higher. They can renew the policy lifelong. The preexisting diseases are covered after 3 years. The Sum Assured ranges from Rs.1 lakh to 5 lakh. The policy holders can get 5% discount on subsequent premiums if no claims were made.

Max Bupa Heartbeat Plan

There is no age limit to take this policy which can be renewed lifelong. The Sum Assured ranges from Rs.2 lakh to 3 lakh, and preexisting diseases are covered after 4 years. 20% copayment is admissible for the people aged above 65 years.

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