A senior citizen health plan takes care of the healthcare needs of the elderly. As one grows older, buying a decent health insurance plan becomes difficult as one is vulnerable to several diseases. This plan provides you with financial support, but you must pay a higher premium for this policy.

Health insurance for senior citizens mostly comes with mandatory pre-policy medical check-ups, limited coverage and an extensive list of exclusions. You must check these factors carefully before buying a plan. You should also look out for factors, such as entry/exit age, maximum renewal age, co-payment, domiciliary treatment, etc. while buying the policy.

The following documents are required to buy a mediclaim policy for senior citizens:

• Age proof
• Identity proof
• Address proof
• Income proof
• Duly filled proposal form
• Pre-insurance medical test reports(if applicable)

Cashless treatment is available at network hospitals. Check the list of network hospitals provided by your insurer.

This benefit restores the sum insured after it’s completely exhausted, either fully or up to a certain percentage, depending on the plan.

Pre-existing diseases usually have a waiting period. Choose a plan with a shorter waiting period for optimal coverage.

Not all plans have copayment clauses. It’s essential to check the policy terms to understand any copayment requirements.

Yes, in most cases, you must go through medical screening to buy a health insurance plan. As an older individual, insuring you is a risk for the insurance company, requiring you to go through medical tests.

If you are buying health insurance for parents, then you must look out for the entry and exit age, lifetime renewability option, copayment, and domiciliary treatment

Yes, you can transfer your senior citizen health insurance policy from one insurer to another within 45-15 days of policy expiry without losing the benefits you have accumulated during the policy’s tenure