Health Insurance Plans for Senior Citizens

As we get older, we are more susceptible to illnesses and disorders that need a doctor’s rapid attention. However, they are time-consuming and extremely expensive when it comes to age-related health issues. Therefore, every elderly person needs a senior citizen health insurance plan to protect them from concerns about their ageing bodies and the rising cost of healthcare. Policies that cover all expenses elderly persons incur for various medical treatments are referred to as health insurance plans for senior citizens. Senior citizens are defined as those who are 60 years of age or older.

Here is a list of some of the best health insurances for senior citizens in India:

· Niva Bupa Heart Beat Plan

· Bharti Axa Smart Health Insurance Plan

· Aditya Birla Activ Care Plan

· Care Senior Health Plan

· Tata Aig Medicare Plan

· Digit Healthcare Plus Plan

· Kotak Mahindra Healthcare Plan

· IFFCO Tokio Individual Medishield Plan

Below are some key features of health insurance for senior citizens India:

· Hospitalization Charges — senior citizen health plans cover hospitalization charges including bills of medicines, room rent and so on.

· Cashless Hospitalization — best health insurance plans for senior citizens come with cashless hospitalization charges.

· Day Care Costs — these plans cover the expenses of hospitalization when a patient requires day care procedures with less than 24hour hospitalization.

· Ambulance Charges — health plans for senior citizens also cover ambulance charges.

· Pre-existing Diseases — depending on the insurance provider and the health insurance plans for senior citizens, pre-existing diseases are covered as per policy terms and conditions.

· Medical Examination — most insurance providers do not make medical tests mandatory for availing the senior citizens insurance plans, while some providers may ask for a test before buying a plan depending on the policy.

· Sum Insured — the health insurance for senior citizens offers higher coverage of sum insured.

· Hassle-Free — the best health insurance for senior citizens presents faster and hassle-free settlement of claims, thereby allowing peace of mind for the elderly.