Categorized | Health Insurance

healthcare for senior citizens a big thumbs up

In the hustle and bustle of our lives, do we even care to notice that our parents are getting older and their bodies are turning frail and vulnerable to many health risks? They spend their entire life taking care of their children, thinking of their well-being, and amidst all this, they tend to forget that they themselves need to be taken care of. As their age advances, their vulnerability to many health Risk increases by multitudes. We, as responsible children, can do a lot for them, buy them medicines, take them to hospitals and care well for them at home. But the best of all gifts would be a gesture that says “we care” through a suitable Health Insurance cover for them.

Let’s take a look at why health insurance is essential for senior citizens:


After all, in today’s world where just sustaining a life isn’t enough, what really comes handy is a flexible health insurance cover. The sky rocketing medical costs can rip anyone’s budget apart, leave alone the senior citizens who survive on limited funds. Sr. citizen health care cost is much more than it ever was, more so because of the newest medical technologies that have made it easier for the older ones to stay healthy and fit for long. Hearing aids, seeing AIDS (spectacles), regular health check-ups, etc. have added to the vast pool of sr. citizen health care cost. With limited earnings taking care of all these medical paraphernalia can be tough. But with a suitable senior citizen health insurance plan, you can always ensure that your dear ones stay healthy and fit at affordable prices. So whether you stay close or far from them, the special health insurance plan you buy for them will remind them always that you are there for them, that you care for them.

Age limit for senior citizens to buy the health plan- A deciding factor or not!

Gone are the days when health plan Age Limit was one of the major deciding factors whether one should get a health insurance cover or not. Earlier, people above the age of 60 years or 70 years were considered unfit for health insurance cover. But of late, it seems that the insurance companies have also realized that senior citizens require a health insurance cover as much as anybody else. Look into an average person’s life cycle, what we notice is that most of the health problems begin with the advancing age. Thanks to insurance companies that have introduced many senior citizen health insurance plans defying the old health plan age limit factors. No wonder, the market now has ample number of options to cut on sr. citizen health care cost.

Know-how pre-requisites for getting the right health insurance plan for senior citizens:

What marks a senior citizen health insurance plan different from other insurance plans is the amount of Premium and the maximum age limit. Before you settle for a particular senior citizen health insurance plan, you should have the following cleared out to avoid any later hassles and regrets:

Choosing the best Senior citizen health insurance plan can be easy if you keep in mind the health plan age limit and the Exclusions if any in the policy.
 
Most of the insurance companies cease to renew the plan after a certain health plan age limit and 70-75 is what most companies offer.

Always read the Policy wordings of the shortlisted cover. Go for an appropriate cover amount keeping in mind the rising sr. citizen health care cost.
 
Also care to check the company history and records of the insurance company to see if the company has fared well in terms of claims settlement. In this regards you  can read the customer feedback, especially those who have bought the same senior citizen health insurance health plan.

Lastly, go in for a plan which offers maximum facilities coverage.