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Senior Health insurance in India is offered by different insurance providers to secure those who are aged 60 years and above financially. The health insurance policies for senior citizens are designed to cover medical expenses incurred by the policyholder. Health insurance plan is a well thought out protection tool and is a necessity in today's age. The changing lifestyle and diets have an undesirable effect on our health. This emphasises the need for having adequate health insurance cover.
A senior citizen health insurance policy is a health insurance plan that offers healthcare coverage to individuals between the age group of 60 and 80 years. Cashless hospitalisation, no pre-policy issuance medical tests, pre-existing diseases covered, pre and post hospitalisation cover, are some of the benefits of a health insurance plan for senior citizen individuals.
As per the new guidelines by IRDAI, every health insurer has to offer health coverage to individuals up to 65 years of age. These guidelines help people to avail health cover at later stages of their life. Moreover, they allow policyholders to switch insurers if they are not satisfied with their current health insurance providers. There are plenty of insurance providers for senior citizens.
However, the challenge here is to choose the right one. Hence, it is recommended to make a proper comparison of different senior citizen health insurance plans which are available in the market before availing one. Such a comparison will give you a clear idea on which policy is the best suited for you.
Following are some of the best features of a health insurance plan for senior citizen.
Following are some of the top senior citizen health insurance plans available in India
It is crucial to buy health insurance cover for senior citizens due to several reasons
Buying health insurance plan for senior citizen individuals has to be done carefully as you would want them to get the best healthcare treatment. Keep the following points in mind while choosing health insurance cover for parents above 60 years -
Health insurance policies for senior citizens cater to the insurance need of those above 60 years of age—people who are retired and have no regular source of income. With increasing age, the risk of contracting illnesses also increases significantly. This is the primary reason to be financially sound to support medical expenses, and a comprehensive health plan is imperative in that regard.
Recommended Link:Health Insurance for Senior Citizens Above 60 Years