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Articles 456 views December 11, 2019
Parents are the backbone in the lives of children but with growing, age health issues erupt. Buying health insurance for over 60 years old in India is the best way to ensure that your parents get good medical assistance at the right time. old age is the most fragile years of life both physically and mentally, even the cost of treatment is huge as old age invites sickness perpetually. so, having a health insurance plan immediately is a wise decision.
The health insurance provider is offering numerous products related to health insurance for over 60 year old in India. all these health insurance plans offer unique and special features that make decision making a bit harder. So, read on the following guide to understand everything you need to know related to health insurance for 60 years old in India.
we have curated a list of plans related to health insurance for over 60 years old in India.
|Insurance provider||Plan Name||Plan Features|
|Bajaj Allianz||Silver Health Plan||1. Cashless Facility
2. Free diagnostic check-up after completion of 4 claim-free years
|New India Assurance||Senior Citizen Mediclaim Policy||1. Covers pre and post hospitalization expenses
2. Covers hospitalization expenses related to the treatment of injuries and illness
3. Covers pre-existing medical conditions post completing 18 months of the waiting period
|Oriental Insurance||HOPE – Health of Privileged Elders||1. Covers hospital room rent and nursing expenses up to 1 percent of the sum insured
2. Covers ambulance charges
3. Covers doctor fees
4. In case of intensive care, the policy covers for intensive care expenses up to a limit of 2 percent of the sum insured per day
|United India Insurance||Senior Citizens||1. Covers hospital room rent and nursing expenses up to 1 percent of the sum insured
2. Covers Pre and Post Hospitalization Expenses
3. Covers day care treatment procedures up to 25 percent of the sum insured
4. Covers Doctors fees
|Star Health Insurance||Senior Citizen Red Carpet||1. High Sum Insured facility ranging between Rs 1 Lakh to Rs 25 Lakh
2. Ambulance Cost
3. Covers hospital room rent, nursing charges, specialist charges, etc if the hospitalization is more than 24 hours.
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Thus, the above features and benefits suggest that these health insurance products offer holistic financial security to senior citizens in their fragile years. So, it is of utmost important to buy a health insurance plan for your parents and gift them a secure and stress-free future.
The health insurance for over 60 years old in India offers unique and exclusive features. The plans are designed to take maximum care of senior citizens in times of medical and financial emergencies. Not many people are aware of the features that are covered under the senior citizen health insurance plan. Following is the list of most common features covered by most of the senior citizen health insurance plans:
Similarly, the following are certain exclusions i.e. certain expenses that are not covered under the health insurance for 60 years old in India.
What are the documents required for buying a senior citizen health insurance plan?
The documents required while buying health insurance for over 60 years old in India are as under:
Buying health insurance for over 60 years old in India is not an easy task. In-depth Research and careful analysis are required for choosing the best health insurance plan. Keep in mind the following parameters while selecting a health insurance plan for your parents:
One of the important parameters that you need to furnish is the medical history of your parents. All insurance provider asks for the medical history which should be clearly stated because misrepresentation of the facts can result in claim rejection.
Various health insurance providers who offer many plans related to health insurance for over 60 years old in India. so, it is essential to carry out in-depth research by comparing various plans online. Comparing health insurance plans on features like riders, inclusions, exclusions, coverage, the sum insured, etc. and premium amount will help you in getting the best health insurance plan for your parents.
Having your healthcare provider nearby is advantageous especially in times of medical emergency. So, check with your insurance provider whether the hospital of your choice has a tie-up with your insurance provider or not.
Apart from the ones mentioned above, there are certain factors which you need to check before making the payment. It is essential to check for the clauses related to the waiting period, pre-existing medical conditions, deductibles, co-payment facility, inclusions, exclusions, etc. lesser the clauses mean wider is the scope of the health insurance plan
Health is wealth! And for senior citizens, the most important things are health and financial security in times of such emergencies. So remember, health insurance for over 60 years old in India is very important. Seeing the rising cost of the medical treatments it is best to keep oneself ready to face the uncertainties of life. Compare all policies offered by the best insurance providers in India and select the best health insurance plan for your parents.
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