Senior citizen health insurance
Health insurance built for older adults, with entry ages, medical checks and benefits shaped around the treatment seniors actually need, and lifelong renewal once the policy is in force.
What it covers
Cover varies between insurers and plans. The policy wording is what decides whether a claim is payable, so read it before you buy.
- In-patient hospitalisation, including treatment for age-related conditions after the waiting periods
- Pre-hospitalisation and post-hospitalisation expenses for the periods the policy allows
- Day-care procedures and intensive care treatment
- Ambulance charges up to the policy limit
- Domiciliary hospitalisation, where treatment at home is medically necessary and the plan includes it
- AYUSH treatment in a recognised hospital, where the plan includes it
Key features
- Entry and renewal ages set by the insurer: [AGE LIMITS]
- A pre-policy medical check-up is often required before the proposal is accepted
- Co-payment on each claim is common on senior plans: [CO-PAY]
- Sub-limits may apply to room rent or to named treatments: [SUB-LIMITS]
- Waiting periods for pre-existing and named conditions: [WAITING PERIOD]
- Lifelong renewability once the policy is in force, subject to the policy terms
How to buy it
Four steps, with an advisor you can reach at any of them.
Tell us what to cover
Tell us the ages, city and health history of the people to be insured, and the cover you want.
Compare plans
See premium, cover, exclusions and key terms from our partner insurers side by side.
Share details & KYC
Add the details the insurer needs and complete KYC with your PAN.
Get your policy
Pay online, the policy reaches your email, and your advisor stays with you at claim time.
Senior citizen health insurance: FAQs
Can a senior with existing conditions get cover?
Often yes. The insurer may accept the proposal with a waiting period on that condition, a higher premium, or a specific exclusion. Declaring the condition fully is what keeps a future claim safe.
What is co-payment?
The share of each approved claim you pay yourself, with the insurer paying the rest. Senior plans commonly carry one: [CO-PAY]. A plan with a smaller co-payment usually costs more in premium.
Is a medical test needed before buying?
Insurers usually ask for a pre-policy check-up above a certain age or sum insured. The insurer normally arranges it, and the results decide the terms offered.
My parents are on my family floater. Should I move them to a senior plan?
A separate senior plan often works better: a claim by an older parent no longer uses up the family's shared cover, and the floater premium stops being driven by their age.