Best Health Insurance Plans For Senior Citizens 2024

Checklist to Buy the Best Health Insurance Plans for Senior Citizens

Given below is the checklist to buy the best senior citizen health insurance policy:

Opt for Plans with Lower Pre-existing Diseases Waiting Period

Senior citizens have a higher chance of developing a medical condition. Therefore, you must opt for a health plan that covers pre-existing diseases after a smaller waiting period of 1 or 2 years.
Go for Insurers with Large Number of Network Hospitals

Elderly people are more vulnerable to diseases and may have to be frequently hospitalized. Hence, you must buy a senior citizen health policy that comes with a cashless hospitalization benefit. This will allow your elderly parents to get cashless treatment at a network hospital as the bill amount will be paid by the insurance company.
Choose Plans with Free Medical Check-up Facility

A timely diagnosis of a disease can help save the patient’s life and regular medical check-ups are the only way to diagnose a disease at an early stage. Therefore, you must prefer a health insurance policy that offers free medical check-up facilities to senior citizens.
Go for Plans with No Claim Bonus Benefit

Make sure to opt for a senior citizen health insurance policy that comes with no claim bonus benefit. This benefit increases your policy sum insured by a fixed percentage if no claims are raised in the previous year without hiking your premium.
Opt for No Co-Payment

A lot of senior citizen health insurance plans have an in-built co-payment clause that requires you to pay a fixed percentage of the claim amount. Hence, you should choose a plan that does not come with any co-payment clause.
Go for Domiciliary Treatment Cover

Sometimes, a sick elderly person may have to avail medical treatment at home in case of a delicate health situation or shortage of hospital beds. Thus, you must prefer buying a health plan for senior citizens that covers the cost of domiciliary hospitalization.
Choose Plans with Day Care Procedures

Usually, health insurance plans offer coverage for in-patient hospitalization of at least 24 hours. However, not all medical procedures require a 24-hour hospitalization, such as chemotherapy, dialysis, radiation, etc. Therefore, you must opt for a policy that covers day care procedures.
Opt for Lifetime Renewability

As the age of senior citizens increases, health insurance becomes expensive for them. Hence, you must opt for a health insurance policy that comes with lifetime renewability so that you do not have to look for another policy for your parents in their old age.

Best Health Insurance Plans for Senior Citizens in 2024

We have handpicked a list of health insurance plans for senior citizens to help you choose the ideal plan for your parents. Take a look at the senior citizen health insurance plans below along with their features and USPs:

Health Insurance Plans for Senior Citizens	Age Criteria	Sum Insured (in Rs)	Pre-existing Diseases Waiting Period
Aditya Birla Activ Care Insurance Plan	Min: 55 years Max: 80 years	Min: 3 lakh Max: 25 lakh	2 years	View Plan
Bajaj Allianz Silver Health Plan	Min: 46 years Max: 80 years	Min: 50,000 Max: 10 lakh	1 year	View Plan
Care Senior Health Advantage Plan	Min: 60 years Max: Lifelong	Min: 5 lakh Max: 10 lakh	2 years	View Plan
Cholamandalam Flexi Health Supreme Plan	Min: 18 years Max: 75 years	Min: 5 lakh Max: 5 crore	2/3 years	View Plan
Digit Health Insurance Plan	Min: 18 years Max: No age limit	Min: 2 lakh Max: 3 crore	1/3 years	View Plan
Future Generali Varishta Bima	Min: 60 years Max: No age limit	Min: 2 lakh Max: 10 lakh	1 year	View Plan
HDFC ERGO Optima Senior Plan	Min: 61 years Max: No age limit	Min: 2 lakh Max: 5 lakh	3 years	View Plan
ICICI Lombard Golden Shield Plan	Min: 56 years Max: No age limit	Min: 3 lakh Max: 50 lakh	2 years	View Plan
IFFCO Tokio Individual Health Protector Plan	Min: 18 years Max: 65 years	Min: 50,000 Max: 20 lakh	3 years	View Plan
Liberty HealthPrime Connect Plan	Min: 18 years Max: 65 years	Min: 10 lakh Max: 1 crore	3/4 years	View Plan
Magma HDI OneHealth Senior Plan	Min: 56 years Max: No age limit	Min: 3 lakh Max: 25 lakh	1 year	View Plan
ManipalCigna Prime Senior Plan	Min: 56 years Max: 75 years	Min: 3 lakh Max: 50 lakh	2 years	View Plan
National Senior Citizen Mediclaim Policy	Min: 50 years Max: 80 years	Min: 1 lakh Max: 10 lakh	2 years	View Plan
New India Assurance Senior Citizen Mediclaim Policy	Min: 60 years Max: 80 years	Min: 1 lakh Max: 1.5 lakh	18 months	View Plan
Niva Bupa (Formerly known as Max Bupa) Senior First Plan	Min: 61 years Max: 75years	Min: 5 lakh Max: 25 lakh	2 years	View Plan
Oriental HOPE Insurance Plan	Min: 60 years Max: No limit	Min: 1 lakh Max: 5 lakh	2 years	View Plan
Raheja Health QuBE Insurance Plan	Min: 18 years Max: 65 years	Min: 1 lakh Max: 50 lakh	4 years	View Plan
Reliance Health Gain Policy	Min: 18 years Max: 65 years	Min: 3 lakh Max: 1 crore	3 years	View Plan
Royal Sundaram Lifeline Health Insurance Plan	Min: 18 years Max: No age limit	Min: 2 lakh Max: 1.5 crore	2/3/4 years	View Plan
SBI Super Health Insurance Plan	Min: 18 years Max: No age limit	Min: 3 lakh Max: 2 crore	2 years	View Plan
Star Senior Citizen Red Carpet Health Insurance Policy	Min: 60 years Max: 75 years	Min: 1 lakh Max: 25 lakh	1 year	View Plan
Tata AIG MediCare Premier Plan	Min: 18 years Max: 65 years	Min: 5 lakh Max: 3 crore	2 years	View Plan
United India Senior Citizen Health Insurance Plan	Min: 61 years Max: 80 years	Min: 1 lakh Max: 3 lakh	4 years	View Plan
Universal Sompo Senior Citizen Health Insurance Policy	Min: 60 years Max: 70 years	Min: 1 lakh Max: 5 lakh	2 years	View Plan
Zuno (Formerly Edelweiss) Health Insurance Plan	Min: 18 years Max: 65 years (No age bar for the Platinum plan)	Min: 1 lakh Max: 1 crore	2/3/4 years	View Plan
Zurich Kotak (formerly known as Kotak Mahindra) Health Premier Plan	Min: 18 years Max: 65 years	Min: 2 lakh Max: 2 crore	3/4 years	View Plan

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*Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

Brief Description of Senior Citizen Health Insurance Plans in India

1. Aditya Birla Activ Care Insurance Plan
This health insurance plan by Aditya Birla Health Insurance Company has been designed to cover the medical expenses of senior citizens. It offers comprehensive coverage to people up to the age of 80 years against all stages of an illness, right from diagnosis to recovery.

Policy Coverage, Benefits and Features:
- Available in three variants - Standard, Classic and Premier
- Pre-hospitalization, in-patient hospitalization and OPD treatment expenses are covered
- Coverage for 586 day care procedures and AYUSH treatments are available
- Reload of sum insured benefit is available once a year
- Comprehensive health check-up facility is available once a year, except in the Standard plan
- International and domestic emergency air ambulance cover is also offered
- Post-hospitalization expenses incurred on nursing, medical equipment and lifestyle support equipment, including ventilator and oxygen cylinders, are covered as an add-on
Limitations:
- 10% co-pay on all claims under the Premier plan
- 20% co-pay on all claims under Standard and Classic plans
- Joint replacement surgery is covered after 48 months under the Standard plan and after 24 months under Classic and Premier plans.
2. Bajaj Allianz Silver Health Plan
The Bajaj Allianz Silver Health plan is a customer-oriented health insurance plan for senior citizens. The plan offers a wide range of coverage to elderly people on an individual sum insured basis.

Policy Coverage, Benefits and Features:
- In-patient hospitalization expenses and pre and post-hospitalization expenses are covered
- Emergency ambulance charges and domiciliary expenses are covered
- An in-house claim administration team ensures a quick and hassle-free claim settlement.
- 10% cumulative bonus gets added to the sum insured for every claim-free year
- A 5% family discount is offered if two or more members are added to the policy
Limitations:
- Pre-medical screening is mandatory for all and its costs will only be reimbursed by the insurer if the application is accepted
- 20% co-payment on all treatments taken at a non-network hospital
- Certain diseases, such as hernia, cataract, benign prostatic hypertrophy, hysterectomy, etc., are covered after 1 year
- Joint replacement surgery (other than due to accidents) will have a waiting period of 4 years
3. Care Senior Health Advantage Plan
Care Health Insurance (Formerly known as Religare Health Insurance) has designed the Care Senior Health Advantage plan for elderly people above the age of 60 years. It makes a perfect health plan for senior citizens as there is no maximum entry age and comes with a variety of add-on covers, including instant cover, OPD care, additional sum insured for defined critical illness, etc.

Policy Coverage, Benefits and Features:
- Coverage for hospitalization expenses, domiciliary hospitalization and AYUSH treatments
- Organ donor cover, unlimited e-consultations and ambulance cover are also available
- 100% reinstatement of the sum insured upon exhaustion once a year
- Annual health check-ups, including blood tests, lipid profile, LFT, KFT, etc. are available from day 1
- 10% No Claim Bonus granted for every claim-free year
- Disease management programs and companion benefit are available as optional covers
Limitations:
- 50% co-payment on all claims until 70 years and an extra 10% after 70 years
- Sub-limits apply to several specified illnesses and procedures
- Named illnesses are covered after 2 years of continuous coverage
4. Cholamandalam Flexi Health Supreme Plan
Cholamandalam Flexi Supreme is a suitable health insurance policy for senior citizens as it covers people up to 75 years and comes with a lifelong renewability option. It covers the insured elderly for both hospitalization and domiciliary treatment expenses.

Policy Coverage, Benefits and Features:
- Available in three variants i.e. Basic, Plus and Premiere
- Cost of hospitalization, including doctor fees, ICU charges, prosthetic device implantation, etc. are covered
- Coverage for pre-hospitalization and post-hospitalization expenses are available
- Health check-up facilities and cumulative bonus are available
- Global hospitalization and high-end diagnostic cover, etc. are available as add-on covers
- Cashless claim authorization within 3 hours
Limitations:
- Specific diseases like cataract, hernia, varicose veins, etc. are covered after 2 years
5. Digit Health Insurance Plan
Digit Health Insurance plan has been designed to suit the health needs of elderly people and cover their medical expenses. It provides coverage for a wide range of diseases, including COVID-19.

Policy Coverage, Benefits and Features:
- Hospitalization expenses, including pre & post-hospitalization, are covered
- Coverage for bariatric illness and psychiatric illness are available
- Worldwide coverage, in-built personal accident cover and home hospitalization cover are available
- Annual health check-up facility and sum insured backup benefits are also available
- No room rent restriction or age-based co-payment is applicable
- Carry forward sum insured benefit and cumulative bonus are available
- AYUSH benefit and consumables cover are available as add-on covers
Limitations:
- 20% co-payment on treatments availed at a non-network hospital
- Critical illness is covered after 30 days
- Coverage for bariatric surgery is available after a pre-decided waiting period
6. Future Generali Varishta Bima
Future Generali Varishta Bima is an insurance policy that offers medical coverage to individuals of age 60 years and above. It makes a suitable health plan for senior citizens as it offers them customized coverage. Moreover, the plan is available on both individual and floater coverage basis.

Policy Coverage, Benefits and Features:
- Coverage for in-patient hospitalization expenses, day care expenses as well as ambulance charges
- Pre and post-hospitalization expenses are covered for 60 days and 90 days respectively
- Free annual health check-up facility is available
- 5% and 10% long term discount is provided if the insured opts for a policy of 2 years or 3 years respectively
- 10% family discount is available along with the premium instalment payment facility
Limitations:
- A pre-medical check-up is required for policies with a sum insured of Rs 7.5 lakh and Rs 10 lakh.
- 50% co-payment on all pre-existing diseases-related claims
- 25% co-payment on all other claims
7. HDFC ERGO Optima Senior Plan
The HDFC ERGO Optima Senior plan has been designed to provide medical coverage to senior citizens above the age of 60 years. The policy is available on individual as well as floater sum insured basis.

Policy Coverage, Benefits and Features:
- In-patient hospitalization, day care procedures and domiciliary treatment are covered
- Organ donor cover and emergency ambulance cover are available
- Both pre-post hospitalization and in-patient AYUSH treatment are covered
- E-opinions on listed critical illnesses are also available
- 5% no claim discount is available on every claim-free year
Limitations:
- Pre-policy medical check-up is required
- 15% co-payment on shared hospital accommodation and day care procedures are applicable
- 30% on single hospital rooms and specified illness/surgeries are applicable
- A waiting period of 3 years applies to pre-existing diseases.
8. ICICI Lombard Golden Shield Plan
The ICICI Lombard Golden Shield plan covers the healthcare expenses of elderly people above the age of 55 years. People can either opt for an individual policy or include their spouse in a floater policy.

Policy Coverage, Benefits and Features:
- In-patient treatment, modern treatments and home care treatments are covered
- Preventive health check-ups and enhanced sum insured for road traffic accidents are available
- Domiciliary hospitalization, air ambulance and domestic road ambulance cover are available
- In-patient AYUSH treatment, reset benefit and loyalty bonus are available
- Optional covers, including claim protector, care management program and voluntary deductible, are available
Limitations:
- Pre-policy medical check-up is required for people over 70 years of age
- A base co-payment of 50% is applicable.
- Pre-existing diseases are covered after a waiting period of 2 years
9. IFFCO Tokio Individual Health Protector Plan
The IFFCO Tokio Individual Health Protector plan offers medical insurance to elderly people up to the age of 65 years making it an ideal choice for senior citizens. The plan offers coverage against an illness as well as injury and offers emergency medical assistance services.

Policy Coverage, Benefits and Features:
- Coverage for hospitalization expenses, pre and post-hospitalization expenses as well as organ donor expenses are available
- Domiciliary hospitalization and ambulance charges are also covered
- AYUSH treatment and terrorism cover are available
- 11 major critical illnesses are also covered
- A 5% cumulative bonus increases the sum insured on every claim-free year
- 5% discount on premium is offered for insuring 2 members and a 10% premium discount for insuring more than 2 members under the same plan
- Cost of health check-up covered after every four claim-free years
Limitations:
- Pre-medical screening is required for all senior citizens
- Specific illnesses like sinusitis, cataract and congenital internal diseases are covered after 1 year
10. Liberty HealthPrime Connect Plan
The Liberty HealthPrime Connect plan offers medical coverage to individuals up to the age of 65 years against a variety of medical and hospitalization expenses. It comes with attractive benefits to provide hassle-free claims and renewals for elderly people.

Policy Coverage, Benefits and Features:
- Available in three variants - Essential, Optimum and Optimum Plus
- Hospitalization expenses along with day care expenses, domiciliary hospitalization expenses and organ donor expenses are covered
- Coverage for a medical second opinion and nursing allowance are available
- No room rent capping, co-pay and sub-limits are applicable
- Cumulative bonus, annual health check-ups and restoration of the basic sum insured are available
- Optional covers, such as OPD cover, worldwide coverage, adventure sports cover and critical illness cover are available
Limitations:
- Pre-policy medical check-ups are required for senior citizens
- Specific illnesses or procedures like coronary artery disease, varicose veins, spondylitis, etc. are covered after 2 years
- Mental illnesses are covered after 4 years
11. Magma HDI OneHealth Senior Plan
Magma HDI OneHealth Senior is a suitable mediclaim policy for senior citizens as it has no maximum entry age limit and comes with a lifelong renewability option. The plan offers comprehensive coverage to meet the vast health needs of elderly people.

Policy Coverage, Benefits and Features:
- Available in two variants - Gold and Platinum
- In-patient hospitalization expenses, modern treatments and domiciliary hospitalization are covered
- Coverage for e-opinion for critical illness, AYUSH treatment and shared room daily cash are available
- Annual health check-ups are available
- Recharge of the sum insured, reduction in the co-payment and cumulative bonus are available as optional covers
- OPD cover, non-payable expense cover, hospital cash and nursing at home cover are also available as optional covers
Limitations:
- 30% co-payment applies to all non-accidental claims
- Specified diseases are covered after 2 years
12. ManipalCigna Prime Senior Plan
ManipalCigna Prime Senior is recommended for senior citizens as it covers elderly people up to the age of 75 years. Besides, it does not require applicants to undergo a health check-up before buying this plan.

Policy Coverage, Benefits and Features:
- Available in two variants - Classic and Elite
- Hospitalization expenses, donor expenses as well as day care expenses are covered
- Domestic second opinion, teleconsultation and air ambulance cover are available
- Restoration of the sum insured, premium waiver benefit, free health check-up facility and 10% cumulative bonus are available
- Any room upgrade and reduction in the PED waiting period is available as optional covers
Limitations:
- Mandatory co-payment of 20% for people above the age of 65 years.
- Specified diseases are covered after a waiting period of 24 months
13. National Senior Citizen Mediclaim Policy
The National Senior Citizen Mediclaim policy provides comprehensive coverage to elderly people against a host of medical adversities. It covers both HIV/AIDS and mental illness and is available on both individual and floater coverage basis.

Policy Coverage, Benefits and Features:
- Hospitalization expenses, including room charges, nursing expenses, ICU expenses, and surgeon's fees are covered
- Pre and post-hospitalization expenses are also covered
- Domiciliary hospitalization along with Ayurveda and Homeopathy treatment cover is provided
- Organ donor expenses and ambulance charges are also covered
- Preventive health check-ups and a 5% cumulative bonus are available
- Hospital cash, funeral expenses and reinstatement of sum insured for road traffic accidents are available as optional covers
Limitations:
- Pre-acceptance medical check-up is required for all fresh entrants
- 10% co-payment for pre-existing diabetes and hypertension claims and 25% co-payment for both these pre-existing diseases
14. New India Assurance Senior Citizen Mediclaim Policy
The New India Assurance Senior Citizen Mediclaim policy offers comprehensive coverage to senior citizens at an affordable premium price. It also comes with specialized coverage, including artificial life maintenance, genetic diseases, and mental illness.

Policy Coverage, Benefits and Features:
- Hospitalization expenses, modern treatments and ambulance charges are covered
- Pre and post-hospitalization expenses are covered for up to 30 and 60 days respectively
- Coverage for hospitalizations in government and/or registered Ayurvedic/Homeopathic and Unani hospitals are available
- Both congenital internal and external diseases are covered
- Reimbursement of the cost of health check-up once in every 4 claim-free years
- A 5% cumulative bonus is provided for every claim-free year
Limitations:
- Pre-acceptance health check-up is required for all
- 10% co-payment is applicable on all claims
- While congenital internal diseases are covered after 18 months, congenital external diseases are covered after 48 months of continuous coverage
15. Niva Bupa (Formerly known as Max Bupa) Senior First Plan
Niva Bupa (formerly known as Max Bupa) Senior First is a tailor-made health insurance plan for senior citizens that covers people up to the age of 75 years. Moreover, it covers annual health check-up costs from day 1 and offers unlimited recharge of the sum insured benefit.

Policy Coverage, Benefits and Features:
- Available in two variants - Gold and Platinum
- Hospitalization expenses, modern treatments and AYUSH treatments are covered
- Day care treatment, ambulance charges and treatment at home are also covered
- 10% increase of the sum insured upon claim-free policy renewal with No Claim Bonus
- No pre-policy medical check-up is required
Limitations:
- Coverage for specific diseases are available after 24 months of continuous coverage
16. Oriental HOPE Insurance Plan
The HOPE insurance plan from Oriental Insurance covers senior citizens above 60 years against the emergency and planned medical expenses. HOPE also offers coverage for 11 specified diseases, including cancer and stroke.

Policy Coverage, Benefits and Features:
- Hospitalization expenses, including room rent, nursing expenses, ICU expenses and surgeon fees, are covered
- Coverage for only 11 specified diseases are provided, which include accidental injury, cancer, knee replacement, cardiovascular diseases, stroke, orthopaedic ailments, etc.
- Domiciliary hospitalization expenses along with pre-post hospitalization expenses are covered
- Cost of ambulance service and Ayurvedic/ Homeopathic/ Unani treatments are also covered
- 5% no claim renewal discount is granted at every claim-free year
- Free health check-up is available after every 4 claim-free years
Limitations:
- Compulsory co-payment of 20% on the admissible claim amount
- Pre-acceptance medical screening is required for all fresh applicants
17. Raheja Health QuBE Insurance Plan
Raheja Health QuBE Insurance has been tailor-made to cover the varied health needs of elderly people up to the age of 65 years. The policy is renewable for a lifetime, which makes it a relevant choice for elderly people. It also covers the cost of medical check-ups and offers the sum insured recharge benefit.

Policy Coverage, Benefits and Features:
- Available in four variants i.e. Basic, Comprehensive, Super and A-LA-Carte plans
- Hospitalization costs along with ambulance charges and non-medical expenses are covered
- Sum insured increase benefit and No Claim Bonus are available
- Daily allowance and organ donor benefit are also available
- Some variants come with the optional cover of a sub-limit waiver
Limitations:
- A 20% mandatory co-payment clause for people above 60 years, except in the Super Saver plan
- Sub-limits applicable on room rent and ICU charges
18. Reliance Health Gain Insurance Policy
Reliance Health Gain Insurance offers optimum medical coverage to senior citizens while promoting their overall wellness. Moreover, the policy comes with a policy service guarantee and a claim service guarantee.

Policy Coverage, Benefits and Features:
- Available in three variants - Plus, Power and Prime
- Hospitalization expenses, day care procedures and modern treatments are covered
- Accidental death cover and waiver of premium benefit are available
- Coverage for domestic road ambulance and organ donor expenses are also available
- Reinstatement of base sum insured, cumulative bonus and loyalty cover Are available
- Several optional covers, including annual health check-ups, double cover, consumables cover, home care treatment, etc. are available
Limitations:
- 20% co-payment on all claims by senior citizens
- A 20% sub-limit applies in case the sum insured is reinstated for a related illness/injury.
19. Royal Sundaram Lifeline Health Insurance Plan
Royal Sundaram Lifeline Health Insurance is a comprehensive insurance policy that offers an all-inclusive health cover to senior citizens without any upper entry age limit. This health policy is suitable for senior citizens because of its wide range of sum insured and extensive coverage benefits.

Policy Coverage, Benefits and Features:
- Available in three variants - Classic, Supreme and Elite
- Cost of hospitalization, including pre-post hospitalization expenses and AYUSH treatment are covered
- Organ donor treatment, day care procedures, ambulance charges, and OPD treatment are covered
- Worldwide emergency hospitalization and international treatment cover for 11 listed critical illnesses are available
- Coverage for a second opinion for 11 critical illnesses are also available
- Health check-up facilities and reload of the sum insured benefit are available
- 20% No Claim Bonus granted for every claim-free year
Limitations:
- Critical illnesses can only be covered after a waiting period of 90 days
- 20% co-payment applies to all claims arising out of the international treatment of critical illnesses
20. SBI Super Health Insurance Plan
SBI Super Health Insurance is an ideal senior citizen medical insurance plan for elderly people, as it does not come with any entry age limit. Besides, the plan provides a variety of coverage benefits, including the health multiplier and reinsure benefit.

Policy Coverage, Benefits and Features:
- Available in four variants - Elite, Premier, Platinum and Platinum Infinite
- Coverage for day care procedures and home health care are available
- Pre-hospitalization expenses are covered for 60 days and post-hospitalization expenses for 90 days
- In-patient hospitalization expenses, including ICU charges, medical practitioner fees, room rent, cost of medicines, etc. are covered
- Shared accommodation cash benefit and e-opinion are available
- Outpatient expenses, bariatric surgery and medical treatment abroad are covered
- Cost of health check-ups is covered every year
- Enhanced cumulative bonus, claims shield and loyalty credit are available
Limitations:
- Pre-medical screening is required for senior citizens
- Up to 50% co-payment on OPD-related claims
21. Star Senior Citizen Red Carpet Health Insurance Policy
Star Health Insurance Company is one of the first insurers in India to design a health insurance plan catering to the selective needs of senior citizens. The Star Senior Citizen Red Carpet plan offers an extensive list of coverage and is available to senior citizens up to the age of 75 years.

Policy Coverage, Benefits and Features:
- In-patient hospitalization expenses are covered, including ICU expenses, nursing expenses and consultant's fees
- Pre and post-hospitalization expenses, OPD consultations and emergency ambulance charges are covered
- Modern treatments and day care procedures are covered
- Cost of health check-ups covered after every claim-free year
- No medical screening is required before buying the policy
Limitations:
- 2 years waiting period for specific diseases like cataract, knee replacement surgery, etc.
- 30% co-payment is applicable on all claims
22. Tata AIG MediCare Premier Plan
Tata AIG MediCare Premier is a health insurance policy that covers senior citizens within India and abroad. It comes with a wide range of benefits without any sub-limits and is available on an individual and family floater basis.

Policy Coverage, Benefits and Features:
- Coverage for inpatient hospitalization expenses, such as room rent charges, ICU charges, doctor and surgery fees, etc. are available
- Organ donor expenses, AYUSH treatment, and domiciliary treatment are covered
- Day care procedures, home care treatment and OPD treatment are covered
- Coverage for bariatric surgery, second opinion and consumables benefit are available
- Cost of health check-ups and high-end diagnostics are covered
- Restore benefit, prolonged hospitalization benefit and daily cash for choosing shared accommodation are also available
- 50% increase in sum insured for every claim-free year with the cumulative bonus
Limitations:
- Pre-policy medical screening is required for all senior citizens
- Listed illnesses and treatments are covered after 24 months
23. United India Senior Citizen Health Insurance Plan
United India Senior Citizen Health Insurance is a medical insurance policy for senior citizens up to the age of 80 years. It provides coverage for medical expenses incurred during hospitalization and home treatment.

Policy Coverage, Benefits and Features:
- In-patient hospitalization expenses, such as room rent, nursing expenses, ICU charges, etc. are recompensed
- Cost of major surgeries, such as cancer surgeries, cardiac surgeries, brain tumour surgeries, etc. are covered
- AYUSH treatments, pre &post hospitalization expenses and organ donor expenses are covered
- Domiciliary hospitalization cover is also available
- Cost of health check-ups after every three claim-free years are covered
- A 5% family discount is also available
Limitations:
- Pre-medical screening required
- 20% co-payment on pre & post-hospitalization claims
- 4 years waiting period for specific treatments, such as age-related osteoporosis, joint replacement due to degenerative condition, etc.
24. Universal Sompo Senior Citizen Health Insurance Policy
The Universal Sompo Senior Citizen Health Insurance policy has been designed for individuals aged 60 years and above. It offers coverage to the policyholder as well as the spouse against a variety of medical exigencies.

Policy Coverage, Benefits and Features:
- Hospitalization expenses, including pre and post-hospitalization costs, are covered
- Daily allowance and ambulance cover are available
- It covers the cost of health check-ups after every 3 claim-free years.
- Critical illness cover is available as an optional cover
- 5% cumulative bonus given on every claim-free year
- 10% family discount is available
Limitations:
- A pre-acceptance medical examination is required.
- 10% co-payment applies to all hospitalization claims
- 15% co-payment on day care procedures and 20% on pre-existing diseases are applicable
25. Zuno (Formerly Edelweiss) Health Insurance Plan
The Zuno (formerly Edelweiss) Health Insurance plan is a perfect medical insurance policy for senior citizens as it comes with no upper entry age limit under the Platinum plan. This 1 crore health insurance plan covers the insured against several medical adversities and also offers recovery benefits.

Policy Coverage, Benefits and Features:
- Available in three variants - Silver, Gold and Platinum.
- Hospitalization charges, pre and post-hospitalization and day care treatments are covered
- Domiciliary hospitalization, organ donor cover, and AYUSH treatment are covered
- ICU charges are covered without any capping
- Shared accommodation benefit, recovery benefit and critical illness cover are also available
- Free health check-ups available for every claim-free year
- No Claim Bonus and restoration of the sum insured benefit are available
Limitations:
- Pre-policy medical check-ups are mandatory for all senior citizen applicants
- 20% co-payment on each claim
26. Zurich Kotak (formerly known as Kotak Mahindra) Health Premier Plan
The Zurich Kotak Health Premier plan is suitable for senior citizens up to the age of 65 years as it offers comprehensive coverage and comes with lifetime renewability. It also offers an annual health check-up facility for free.

Policy Coverage, Benefits and Features:
- The plan comes in seven variants - Standard, Advantage, Edge, Elite, Absolute, 360 and Total
- Hospitalization expenses, including pre and post-hospitalization costs, are covered
- Coverage for day care treatment and ambulance expenses are available
- Second e-opinion and alternative treatments are covered
- 100% restoration benefit is also available once a year
- Home nursing benefit and convalescence benefit are available as optional covers
- 10% cumulative bonus for every claim-free year Is available
Limitations:
- A medical check-up is required for people above 55 years or for buying a policy of sum insured Rs 50 lakh & above
- Specific diseases are covered after 2 consecutive years of coverage

Parting Words

Health insurance is extremely essential for senior citizens considering their stage of life. Someone who relied on an employer health policy for all his/her life should not be left without health coverage post-retirement. Some of the leading health plans for senior citizens available in the market are mentioned above. You can compare these senior citizen health insurance plans on Policybazaar.com and choose the ideal health insurance plan for parents.

FAQs

Q1. Which health insurance company is good for senior citizens?

Ans: No single health insurance company is good for all senior citizens. Different companies offer different plans that come with varied coverage and benefits. You must compare different plans and choose the ideal senior citizens health insurance plan as per the needs of your elderly parents.
Q2. Can a 70-year-old get health insurance?

Ans: Yes, a 70-year-old person can easily buy a senior citizen health insurance policy. Several health insurance plans for senior citizens offer coverage to people aged 70 years and above.
Q3. Is there any medical insurance for senior citizens?

Ans: Yes. All health insurance providers in India offer medical insurance to senior citizens.
Q4. Do senior citizens get free healthcare in India?

Ans: Senior citizens in India may get free healthcare if they are enrolled under a government health scheme. However, government health schemes offer limited coverage. Therefore, it is advisable to buy private health insurance for senior citizens that are available at affordable premiums.
Q5. What is the maximum age limit for health insurance?

Ans: There is no fixed maximum age limit for health insurance plans. Moreover, several senior citizens health insurance plans do not have any maximum entry age limit. Thus, anyone can buy such health plans at any age.

Health insurance companies

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in