Health insurance plans for senior citizens

Your parents are fit today, but tomorrow they might need medical care. Thanks to senior citizen health insurance policies, you can now keep your parents healthy and fit for their lifetime by providing them best medical care available. Most of the insurance companies want to provide insurances for young and healthy people, but then, there are exceptions. There are certain plans that are designed especially for senior citizens. Most of these senior citizen health insuranceplans are offered by general insurance companies with public sector undertaking. Nowadays, many privately owned healthcare insurance providers have introduced schemes and plans for those who have crossed 60 years.

Apollo Munich Optima Senior

Apollo Munich Optima Senior is a senior citizen health insurance plan designed for the senior citizens and provides coverage over 61 years of age. You can get an insurance benefit of up to 5, 00,000 sum assured. It covers all the medical expenses if the patient is hospitalized for more than 24 hours. It also reimburses all the medical expenses incurred up to 30 days prior to hospitalizing the patient and up to 60 days after being released from the hospital. It also provides expenses for 140 day-care procedures without any requirement of hospitalization. Moreover, the insured can also get the benefit of getting his/her treatment at home. Added to that, the insurance also bears miscellaneous expenses like emergency ambulance service. As per insurance plan's terms and conditions, if the insured has any critical illness, s/he is entitled to get a free second opinion from a specialist medical practitioner from the panel. Every claim free year, the insured gets 5% add-on on the sum assured. Optima Senior plan is quite flexible and you can easily shift any other company's insurance plan to Apollo Munich and merge it with your existing plan with them. Moreover, you can also get handsome tax benefits


Bajaj Allianz Silver Health Plan for Senior Citizens

Bajaj Allianz Silver Health senior citizen health insurance is a comprehensive plan for people who are aged between 46 to 75 years. Under this plan, you can get yourself and your family insured within 70 years of age (the insured must be within 70 years of age). Once your pre-insurance checkup is complete, you can get all the medical benefits under this plan. The insured can avail cashless facility when hospitalized to any of the affiliated hospitals. One can opt for non-affiliated hospitals where initially he (the insured or anyone in relation) has to pay the expenses and s/he will get the entire amount reimbursed within 14 working days.

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Sahil diwan

More and more people are looking for general medical insurances with maximum coverage. As the sector of health insurance in India is...