Health Insurance for Senior Citizens: Today’s rising inflation makes it difficult to obtain health insurance. Medical expenses increase rapidly with age, making it difficult and expensive for the elderly to obtain health insurance. Keeping this problem in mind, government insurance companies offer special health insurance plans specifically for the elderly. These plans not only provide good coverage but also offer easy claim settlement. They cover serious illnesses like diabetes, BP, and heart disease, providing relief to seniors from unexpected high hospital expenses.
National Senior Citizen Mediclaim
The National Senior Citizen Mediclaim plan is designed for senior citizens between 60 and 100 years of age. It provides insurance cover ranging from ₹1 lakh to ₹10 lakh. The policy premium is determined by age. Notably, treatment for chronic illnesses like diabetes and BP is also covered 31 days after the policy commences. Being a government company, the claim process is also easy and reliable. The premium for a plan with a cover of ₹5 lakh is approximately ₹28,089.
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Oriental Sampoorna Swasthya Suraksha Yojana
The Oriental Sampoorna Swasthya Suraksha Yojana is also available for people aged 60 to 100 years. It offers coverage ranging from ₹1 lakh to ₹10 lakh. The most significant feature of this plan is that ailments like diabetes and BP are covered almost immediately, meaning there is a very short waiting period. Cashless treatment across India and a large network of hospitals are its strengths. The premium for this policy starts from ₹4,200 and goes up to ₹23,360.
New India Senior Plus Mediclaim
The New India Senior Plus Mediclaim plan is designed for seniors aged 60 to 80 years. It is offered by New India Insurance. It offers health coverage ranging from ₹1 lakh to ₹5 lakh, and coverage for chronic diseases begins on the 31st day of policy inception. A reliable government company and relatively low premiums are its key strengths. Premiums start at around ₹30,450.
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United India Family Medicare
The United India Family Medicare plan is not just for seniors, but for the entire family. It offers coverage ranging from ₹1 lakh to ₹10 lakh. Health checkups, daycare treatments, and cashless access are its key features. Premiums for those aged 61 to 65 start at around ₹24,071.