As a person’s body becomes frail, there is a high possibility that diseases and discomforts will plague him. He will be burden with high medical bills when he goes for healthcare. A senior citizen has little to fall back to a medical emergency. Not having enough means the senior citizen will have to exhaust his savings for medical treatment.
This is precisely why health insurance for senior citizens plays such an essential role in our society. If you are worried about your parents’ health and wish to do something about it, the best thing you can do is to seek out health insurance for parents from a well-renowneinsurance company. With separate health insurance for senior citizens, several problems are solve in one shot, including coverage for hospitalisation, in-patient treatment, no pre-screening, and other benefits.
There are more than 20 companies in India that offer health insurance for seniors. We have compiled a list of the ten best health insurance plans for seniors in 2023.
Here is the list health insurance plans for seniors in 2023.
Aditya Birla Activ Care
This is a senior citizen plan from Aditya Birla Capital offering complete coverage and protection for home nursing, AYUSH coverage, and a personal health coach who can help your parents with rehabilitation, physiotherapy, diet, and other services. Some of the unique features of this plan include availing up to 21% of health returns, a second e-opinion, and emergency assistance worldwide.
Bajaj Allianz Silver Health
This great senior health insurance plan is offer by Bajaj Allianz and has many features. It is design for older adults and gives you cashless benefits and reimbursement for hospital expenses due to illnesses or accidents. Some of its features are that you can avail of hospitalisation expenses, get pre-existing coverage for diseases as well as 130 daycare procedures.
Care Senior Citizen
This comprehensive health plan for senior citizens is Buy to you by Care Health Insurance. It is specifically design for people above 60 to make their lives worry-free. You do not have to worry about your parents not getting adequate medical care during a health scare. The unique features of this plan include no health checkups pre-policy, an option to renew the policy for lifelong, and Automatic SI recharge.
Future Generali Varishta Bima
This plan comes to you from Future Generali Total Insurance Solutions. It is engineer for senior citizens. This plan is available on an individual and family floater basis, including the insured and his spouse. The sum insured is as much as Rs. 10 lakh. Among its various features is that you can avail of road ambulances, free medical checkups are offer, and advance treatments are also cover.
Niva Bupa Senior First
This plan from Niva Health Insurance is another good plan to subscribe to. It offers you comprehensive protection and multiple coverage options, starting from Rs. 5 Lakhs to Rs. 25 Lakhs. You get coverage for all modern treatments, various co-pay options, and unlimited sum insured restoration.
Senior Citizens Red Carpet Health Insurance Policy
This plan is from Star Insurance and is perfect for senior citizens looking to secure their health expenses and other medical needs post-retirement. The unique features of this plan include guaranteed lifelong renewals offered, no medical tests before acceptance of the plan, and very convenient availability of instalment facilities.
National Insurance’s Varishtha Mediclaim
National Insurance’s senior citizen mediclaim policy allows you to avail of premium discounts or increase the sum insured. There are free health checkups once every three years, coverage for hypertension and diabetes, and free critical illness coverage.
Senior Citizens’ Red Carpet Plan
This plan is offere by Star Health. You can avail of this policy without any medical checkups. Outpatient expenses for medical consultations are cover, and there is a 5% discount if you purchase this policy online.
Apollo Munich Optima Senior
This health insurance for parents from Apollo Munich offers a free e-opinion in the event of a critical illness. There is cashless hospitalisation in a network of over 4000 hospitals. You get a 5% discount for not raising a claim in a policy year, with organ donor and domiciliary treatments covered.
Max Bupa Heartbeat Gold
This plan from Max Bupa covers AYUSH treatments, and provides maternity and newborn coverage. A 10% of the sum insure is given to you as a no-claim bonus and annual free health checkups. Another good feature of this plan is that it gives you a daily cash allowance for hospitalisations of more than two days.
Conclusion
Comprehensive health insurance for parents is a must-have in this age of uncertainties like the COVID-19 pandemic. Check out the above plans to see which one suits you best and avail of it to ensure peaceful lives for you and your parents.
