Senior Citizen Health Insurance
Senior Citizen Health Insurance makes it easier for old age people to pay for medical expenses arising due to treatment. It could be a thoughtful present to your ageing parents as it provides a safety cushion while they age.
No Pre-Policy Medical Checkup
Annual Checkup for all Insured Members
540+ Day Care Treatments Cover
Save Tax up to Rs 1,00,000/- u/s 80D
Get Your Best Plan Today
Health Insurance For Senior Citizen
Senior citizen health insurance is a type of insurance that covers the healthcare needs of people over the age of 60. We at Care Health Insurance understand old age is equivalent to relaxed days. However, it also invites worries regarding the health and well-being of older ones. To overcome old age fears, we introduce- Care for Senior our best-reviewed medical insurance for senior citizens that meets old age-related healthcare and emergency needs with comprehensive coverage of hospitals, treatments, and other medical costs.
Care for Senior is our exclusive health insurance for senior citizens in India with an affordable premium and wide-ranging sum insured options. This plan comes with specific benefits for the elderly-to sit back and enjoy peaceful golden years.
Benefits of Mediclaim for Senior Citizens
Our mediclaim for senior citizens benefits elderly people by taking care of all their old-age health worries and gifting them the joy of life. Our medical policy for senior citizens provides vast coverage across network hospitals, treatments, OPD, and COVID centers for helping elder ones lead tension-free retirement years. Increased health risks brought on by age and changing healthcare needs undeniably highlight the importance of having a senior citizen health insurance scheme.
Affordable Premium
You can rest assured that it is easy to get health coverage for senior citizens at an affordable premium and maximum coverage.
Second Opinion
Not sure about your current treatment procedures? Worry not We get you covered to avail a second opinion from other doctors for a specified illness.
Discounts & Offers
We understand how important our finances numerous discounts such as a multi-year policy, Smart Select, and many more.
Why is Senior Citizen Health Insurance Plan Important?
You can reap maximum benefits from family health insurance plans if you have decided to buy comprehensive health insurance plans for your family at the right time. Below listed are a few of the benefits you should be aware of beforehand-
Rising Medical Treatment Costs: The cost of medical treatment in India is always on the rise. Best health policy for senior citizens can ensure that the expenses incurred due to hospitalisation or frequent medical visits at old age do not impact your finances and help you beat medical inflation.
Critical Medical Needs: Avail of timely treatment for your heart, kidney, and other critical diseases without worrying about borrowing funds from your savings.
Day Care Treatments: Old age involves a lot of hospital visits caused by uninvited ailments. A senior citizen health insurance in India covers 541 Day Care treatments that require hospitalization for less than 24 hours.
Burdening Extra Costs:Miscellaneous expenses like pharmacy bills, OPD-care, and ambulance charges, among others, amount to much more than expected. With our best mediclaim policy for senior citizens, you get add-on coverage for miscellaneous costs.
Burdening Extra Costs: Miscellaneous expenses like pharmacy bills, OPD-care, and ambulance charges, among others, amount to much more than expected. With our best mediclaim policy for senior citizens, you get add-on coverage for miscellaneous costs.
Vital Health Check-ups: While you should never avoid regular health check-ups in old age, high healthcare costs may hold you back from availing of good treatment. The Care Senior plan covers annual health check-ups for all insured members to keep regular track of health.
Pre-Existing Diseases: You can rely on our shoulders to cover all your pre-existing diseases subject to the terms and conditions of the policy.
What is Covered Under Senior Citizen Mediclaim Policy?
Medical expenditures are shooting high for elderly people across nations. Opting for medical policy for senior citizen is best to keep unbearable medical expenses at bay. Below is what we covered in it:
Financial Protection against Medical Inflation
No matter how much health inflation rises, you have our back with comprehensive healthcare insurance covers.
Coverage for Hospitalization Expenses
It secures you against pre and post- hospitalization expenses, ambulance, day-care procedures, domiciliary care, etc.
Coverage for Critical Illnesses
Treatment cover for life-threatening conditions come as a blessing, which is available as a separate cover.
Protection above Corporate Health Insurance
In times of severe health crises, a standalone health policy always scores over an employer- provided health plan.
Cashless Claim Benefit
Over 19,000+ cashless network hospitals are available for a convenient billing experience at the hospital.
NOTE: Please always refer to the updated policy T & C, brochure, and prospectus to know more about our health insurance plans for senior citizens cover as they may vary.
Myths About Senior Citizen Health Insurance Scheme
The quality of an elderly members life improves after investing in a suitable health cover that shares the hospitalization burden on time. So, here are 4 myths that you must be wary of while considering senior citizen mediclaim:
You are Too Old to Get Covered- With Care Health Insurance, theres no maximum entry age bar to get yourself insured under senior citizen plans. Elderly members from 61 years and anything above can get senior citizen medical coverage. So, this myth is addressed well here.
Life is Over after 60- With a consistently dropping life expectancy rate and spread of unknown diseases, people underrate an elderlys willpower to live. Instead of surrounding older people with fears of death, gift your parents the happiness of the second inning with a senior citizen health policy.
Co-payment Charges Increase the Burden- With CHIL, senior citizens must bear only 20% of the medical claim as co-payment. However, we try to lessen this cost with an add-on benefit of a co-payment waiver under which senior citizens will get completely rid of the co-payment clause.
OPD Visits are Not Covered- A complete myth! Under our senior citizen health insurance in India, you can enhance your senior citizen cover with OPD care as an optional OPD benefit. It covers reimbursement of OPD bills ranging from Rs. 5,000 to Rs. 50,000 as per the policy terms
Exclusion
Tests and treatment relating to infertility and in vitro fertilisation
Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
War, riot, strike, nuclear weapons induced hospitalisation
Disclaimer: For a complete list of exclusions about family mediclaim insurance, please refer to policy TnC.
CONVENIENT SELECTION
We offer an all-digital policy selection experience wherein you can study, compare, choose, and pay for senior citizen plan from anywhere, anytime.
CHAT OPTION
You can use the live chat option to discuss any policy-related matter at your convenience as our team is readily available for all your queries.
PREMIUM CALCULATION
We facilitate digital premium and coverage calculators to help you opt for customised healthcare insurance for senior mem- bers.
SECURE PAYMENT MODES
Our policy portals offer digitally secure payment options, including credit/debit cards or net banking. Get policy documents right after issuance
TRANSPARENT EVALUATION
What we promise on paper is what you get in times of medical emergencies. Our senior healthcare policy includes all T&C for your reference.
VALUE ADDED SERVICES
We understand how important our finances numerous discounts such as a multi-year policy, Smart Select, and many more.
How to Buy Best Health Insurance Plans from BIMAFINSERV ?
Buying health insurance can be easy if you approach the right channel. Having said this, Bimafinserv.com can be a good platform for choosing the right insurance policy. Bimafinserv Insurance Broker Private Limited has made the process of comparing & buying a health insurance policy easier in comparison to earlier days. A person has easy access to complete details of almost all health insurance plans available in the Indian insurance market at a competitive price.
Bimafinserv.com helps you to compare numerous health insurance plans and zero down on the plan that best fulfills your needs. Moreover, the post-sale services are extended to the customers online as well even at the time of medical insurance claim.
