Health Insurance for Senior Citizens
You’ve turned 60, an apt age for spending a stress-free life with absolutely no worries. It’s finally time for you to sit back and relax as the most peaceful years of your life unfold. However, this is an alarming age that calls for more caution in terms of health. Does post-retirement always go as planned? As the health risks increase with age, an ailment can turn your planning upside down. With HDFC ERGO health insurance for senior citizens, make the most of this phase without worrying about health one bit.
my:health Suraksha Silver Smart is the most-suited plan for your parents that takes care of all their medical needs at an affordable premium.
Boost up your existing health plan with a super top-up policy that offers higher coverage at a lower premium.
Worried that you can’t afford a hospital room of your choice with your insurance plan? With my:health Suraksha you can bank in healthcare comforts.
We have a huge tie-up with 10,000+ cashless network hospitals to make sure you don’t have to pay for medical bills.
You can avail medical attention at home that too with cashless facility! We offer cashless home health care** facility for home hospitalization recommended by Doctors.
Get additional sum insured equivalent to the admissible claim amount upto a maximum of the basic sum insured.
We cover emergency and planned hospitalization for medical expenses. All expenses such as ICU, diagnosis, medicine, room rent and nursing costs remain covered.
We provide full coverage of expenses towards doctor consultations, check-ups and prescriptions that happen 60 days prior to hospitalisation.
After getting discharged from the hospital get full coverage of expenses incurred on doctor consultations, rehabilitation charges etc. till 180 days.
Transfer yourself from home to hospital, in between hospitals, and from hospital to home in an ambulance is covered.
Even if your hospitalization lasted for just one day and you get discharged within 24 hours we get you covered for 586 day care procedures seamlessly.
If you or your family member wishes to undertake any sort of alternative treatment other than allopath then you can go for of Ayurveda, Unnani, Sidha and Homeopathy treatment. We cover hospitalization expenses for alternative treatment.
If any of the insured members suffer from mental illness, the expenses for hospitalization get covered.
Get additional sum insured equivalent to the admissible claim amount upto a maximum of the basic sum insured.
We pay out a lump sum amount of Rs.15000 as recovery benefit if hospitalization exceeds 10 continuous days so that taking care of household expenses doesn’t stress you out.
Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.
You might think of causing injury to your precious self, but we don’t want you to hurt yourself. Our health insurance plan does not cover self-imposed injuries.
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that are caused due to wars.
Our health insurance plan does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.
We do understand the criticality of your disease. However, our health insurance plan does not cover venereal or sexually transmitted diseases.
Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan.
Few illnesses & treatments are covered after 2 years of policy issuance.
Declared and/or accepted pre-existing conditions at the time of application will be covered after first 4 years of continual renewals.
Only accidental hospitalizations shall be admitted.
As age advances beyond 60 yrs, we are more likely to face health issues which usually causes huge financial burden due to dreaded diseases . Hence insurance coverage is required to cater at times of such huge crisis
Yes. Even if you are living a retired life, you and your spouse can get covered subject to your current medical condition.
With our health insurance plans for senior citizens you can avail benefits like lifetime renewability, no entry age restriction and several other subject to no adverse medical history.
Any expenses incurred for inpatient treatment taken under Ayurveda, Unani, Sidha or Homeopathy stream of medicine is covered under AYUSH benefits in HDFC ERGO Health Suraksha.
Cumulative Bonus is the benefit given to the insured for every claim free year in his health insurance plan. It is usually provided as an increase in the sum assured without any hike in premium.
Pre-existing diseases refers to any condition, ailment, injury or illness that you have been diagnosed with or had symptoms of 48 months before taking policy.
Organ donor expenses refers to the hospitalization expenses incurred by the donor during the course of donating an organ (excluding the cost of the organ) to the insured person.
A health card is like a mini-policy document that helps you avail cashless treatment in the network hospitals. It also contains the contact details of the in-house claim service team and comes really handy in case of a medical emergencies.
Co-payment is a clause under which the insured person agrees to pay a fixed percentage/amount of medical expenses incurred while the rest will be covered by the insurer.
Yes. We at HDFC ERGO cover if you have hypertension or diabetes provided their control parametres are in acceptable limits. There would be a waiting periods of 3-4 years depending upon the plan chosen.
There is no disease-specific restriction in HDFC ERGO Health Insurance Plans.
Anyone above 91 days of age is eligible to purchase HDFC ERGO health insurance policies. There is no age restriction and no other criterion.