If there is one section of the society that deserves to be greeted
and granted all the attention and care, it has to be senior citizens. In
India, people over the age of 60 are classified as senior citizens; the
government of India has laid sufficient emphasis on providing these
elderly people with the security and safety net that they rightfully
deserve as they stride with pride at dusk. When you have exerted your
energy and efforts all your life and when you look forward to having a
retirement of peace and tranquillity, the senior citizen health Policy
is what comes in handy, serving you with your needs and requirements.
government of India has made it mandatory that Health Insurance
companies honour applications from the elderly, and there are a wide
range of policy options to choose from for those in the age set of 65 to
80 years. In fact, medical insurance could be renewed till the age of
90. And you could choose from among the various options available in
healthcare plans to decide how you would want to be protected in terms
of your health as well as financial wellbeing.
Illnesses and conditions covered by senior citizen health policy:
One of the most common expenses covered in health insurance
would be costs associated with hospitalisation. In general, you could
expect this clause to cover expenses incurred in the hospital if you
were to be hospitalised for a period of more than 24 hours. You could
hope to have many of the expenses incurred in the period, as in the case
of room charges involved, fees paid to physicians consultation and
nursing, as well as costs of drugs, to be reimbursed if you were to be
covered by medical insurance meant for senior citizens.
Pre-hospitalisation and post-hospitalisation expenses:
It is not necessarily only during hospitalisation, but also expenses
that you may incur before and after the time you have spent being
nursed, which could be covered under senior citizen health policy.
However, you would have to check with the individual insurance service
providers to find out how the precise clauses work in terms of the
number of days covered.
Some of the other facts that may help you in making a decision on health plans are as follows:
could have some of the Pre-existing ailments covered too, as in the
case of diabetes etc, at an additional Premium paid – you could discuss
this with your health insurance provider to find out which ones you
would want to be covered and if you are eligible.
are incentives available in senior citizen health policy, such as the
no claims bonus, which would help you save even further in terms of your
In some cases, you would not have to go through waiting periods in Accident covers.
is best to explore the different aspects and benefits associated with
the various health plans and make the right decision that would protect