As we age our health becomes vulnerable. And having any health issue in old age may break your finances and emotional well-being. So before getting trapped it is always advisable to have the best medical policy for senior citizens in place.
But the question arises which medical policy is best for a senior citizen that protects all their health risks and is budget-friendly too.
In this blog we’ll cover on the basis of their age, premium structure, coverage feature, policy duration and pre-existing diseases coverage.
- Niva Bupa – Senior First Plan
- Age Limit: Start from 18 years
- Premium: Based upon your age (discounts: 5% doctor, 10% family, tenure upto 15%
- Coverage: May vary as per your premium it includes: Pre-post hospitalization, day care treatment, organ donor coverage, modern treatment coverage, room rent limit, no claim bonus.
- Policy duration: 1,2 or 3 years
- Pre-existing disease coverage: Beginning waiting period: 1 month for all disease except accidents, 36 months for pre-existing disease, 24 months waiting period for specific disease.
- HDFC ERGO – Optima Senior
- Age Limit: Start from 60 years
- Premium: Based upon your age (discounts: 5% online)
- Policy duration: Lifelong renewable
- Pre-existing disease coverage: After 3 years
- National Insurance – Varishta Mediclaim Policy
- Age Limit: 60 to 80 years
- Premium: Based upon your age (discounts: 10% for voluntary co-payment of 2%)
- Coverage: May vary as per your premium it includes: Pre-post hospitalization, day care treatment, organ donor coverage, Modern treatment coverage, room rent limit, no claim bonus.
- Policy duration: 1-year term
- Pre-existing disease coverage: Beginning waiting period: 30 days for all disease except accidents, 36 months for pre-existing disease, 24 months waiting period for specific disease.
- Bajaj Allianz – Silver Health Plan
- Age Limit: 46 to 80 years
- Premium: Based upon your age (discounts: available for multi-year policy)
- Coverage: May vary as per your premium it includes: Pre-post hospitalization, day care treatment, organ donor coverage, Modern treatment coverage, room rent limit, no claim bonus
- Policy duration: 1,2 or 3 year
- Pre-existing disease coverage: Beginning waiting period: 30 days for all disease except accidents, 24 months for pre-existing disease, 12 months waiting period for specific disease.
- Star Health – Senior Citizens Red Carpet Policy
- Age Limit: 60 to 75 years
- Premium: Based upon your age (5% discount on the two-year premium if a 2-year policy is chosen)
- Coverage: May vary as per your premium it includes: Pre-post hospitalization, day care treatment, organ donor coverage, Modern treatment coverage, room rent limit, no claim bonus
- Policy duration: 1,2 or 3 years
- Pre-existing disease coverage: Beginning waiting period: 30 days for all disease except accidents, 12 months for pre-existing disease, 24 months waiting period for specific disease. Senior Citizens in 2025
Get Expert Help: How Insurance Mart Assists in Finding the Right Health Cover for Seniors
Insurance mart advise you the best policy according to your age and health conditions. Our experts analyze your health history and suggests you which senior citizen policy is suitable for you for a longer period of time. Senior Citizens in 2025
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