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  • FAQs

Health Insurance for Senior Citizen

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.

Choice is power. Exercise it by picking the plan that suits you the most.

Affordable Plan for Senior Citizens
Affordable Plan for Senior Citizens
my:health Suraksha Silver Smart is the most-suited plan for senior citizens to take care of all your medical needs at an affordable premium with sum insured ranging from 3 to 5 lakhs.
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Recommended Plan for Senior Citizens
Recommended Plan for Senior Citizens
With sum insured ranging from 7.5 to 15 lacs, my:health Suraksha Gold Smart Plan offers optimum coverage ensuring your healthcare needs are always met for your growing age.
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Affordable Top-up plan
Affordable Top-up plan
Boost up your existing health plan with a super top-up policy that offers higher coverage at a lower premium. This plan will keep the stress of medical bills at bay and beat the medical inflation.
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What is covered in a health insurance policy?

Sum Insured rebound

Sum Insured rebound

This acts like a magical back-up, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.

Installment Benefit

Instalment Benefit

Do you like the idea of paying your health insurance premium in instalments? If yes, then get your health cover with us and make the most of our instalment benefit.

No Medical Test Upto 45 Years

No Medical Test Upto 45 Years

If you are young, hale and hearty then get yourself a health insurance plan by HDFC ERGO without any medical check-ups.

Cashless Home Health care**

Cashless Home Health care**

If your Doctor recommends you can get yourself treated at home and avail cashless medical facilities then this feature would be of utmost help.

Hospitalisation expenses

Hospitalization expenses

Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly.

Pre & Post Hospitalisation

Pre & Post Hospitalisation

It means all your pre-hospitalization expenses upto 60 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, investigation etc.

Day care procedures

Daycare procedures

Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.

AYUSH Benefits

AYUSH Benefits

Let your belief in alternate therapies like Ayurveda, Unaani, Siddha and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.

Organ Donor Expenses

Organ Donor Expenses

Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.

Recovery benefit

Recovery benefit

If you stay in a hospital for more than 10 days at a stretch then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization. (Amount specified in the policy wording)

Mental healthcare

Mental healthcare

We believe mental healthcare is just as important as hospitalization due to physical illness or injury; hence we cover hospitalization expenses incurred for treating mental illnesses.

Free Renewal Health Check-up

Free Renewal Health Check-up

Get a free health check-up within 60 days after policy renewal done by HDFC ERGO at the time of renewing your policy with us.

Save Tax upto ₹ 75,000*

Save Tax upto ₹ 75,000*

Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹ 75,000 with HDFC ERGO Health Insurance plans.

Lifetime Renewability

Lifetime Renewability

Once you get yourself secured with our health insurance plan there’s no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you don’t have to exit from it.

No entry age restriction

No entry age restriction

If you are 18 years old and above you can buy our health insurance plan without any hesitation. We secure people of all age groups.

The above mentioned coverage may no be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our health insurance plans.

Things to look at when buying a Senior Citizen Health Policy

What is the maximum age of entry ?
Most insurance policies will have a maximum age of entry. While most insurance providers will have it capped at 70 years of age on the highest end, there may be some who will also have NO cap as such. It is however advisable to buy senior citizen health policies at the earliest, so towards the end of your professional career at around 58 or 60. This makes a pretty significant difference in premiums as well.
Is lifetime renewal offered ?
Just as there exists a maximum age of entry, certain insurance providers also have a limit to the age until which policy renewal is offered. Ensure that you study this criteria carefully and opt for a provider that has lifetime renewal.
Are pre-existing conditions covered ?
Certain pre-existing conditions like cardiac issues, diabetes and others can be expensive in terms of hospital costs, tests and others. This is the reason why you should study the offer documents well and ensure that any and all pre-existing conditions and co-morbidities are covered.
What is the maximum sum insured ?
With rising medical costs in the twilight of life, maximum sum insured makes a lot of sense. It is wise therefore to determine the same from multiple providers before choosing one to invest in a senior citizens’ health policy.
What is the network hospital coverage like ?
One of the most important determinants of choosing senior citizens’ health policy ought to be the network hospitals that are offered. This makes it easier to decide where one can be admitted for a specific ailment, emergency or condition.
What are the premiums and is the claim benefit offered ?
Insurance premiums need to be manageable when it comes to those living on a fixed income, i.e. senior citizens. Another important determinant is CB. Claim Benefit simply means the amount or percentage that one’s insurance is boosted by, in case of no claim in the preceding year.
Is co-payment offered ?
Co-payment means that the insurance provider will agree to pay a part of the medical expenses incurred by the insurance holder. This may vary from one provider to the other.

Benefits of buying health insurance plans for Senior Citizens

Retirement years are often called the Golden Years of one’s life, however this couldn’t be further away from the truth. Loss of income due to retirement, susceptibility to various age related health issues, and of course spiralling health costs make health insurance plans for Senior Citizens a must-have.

What is the maximum age of entry ?
Most insurance policies will have a maximum age of entry. While most insurance providers will have it capped at 70 years of age on the highest end, there may be some who will also have NO cap as such. It is however advisable to buy senior citizen health policies at the earliest, so towards the end of your professional career at around 58 or 60. This makes a pretty significant difference in premiums as well.
Is lifetime renewal offered ?
Just as there exists a maximum age of entry, certain insurance providers also have a limit to the age until which policy renewal is offered. Ensure that you study this criteria carefully and opt for a provider that has lifetime renewal.
AYUSH Benefits
Senior citizens respond better to alternative therapies like Ayurveda, Siddha, Unani, and Homeopathy. With AYUSH benefits, you get coverage for hospitalisation expenses while undergoing medical treatment with any of the mentioned alternate therapies.
Much higher sum insured
Since senior citizens are at a higher risk of health problems at their age, the sum insured by health insurance plans for senior citizens tends to be much higher. Of course the premiums are also adjusted accordingly, but the peace of mind these plans provide is a small price to pay.
Cashless medical treatment
This is an excellent benefit to have. Healthcare plans for senior citizens offer cashless hospitalisation which means that senior citizens can avail of quality healthcare at any of the network hospitals offered by their insurer and avail of cashless claims in a hassle free manner.
Covid 19 protection
Most health insurance plans today come with Coronavirus hospitalisation benefits that have become most critical in this time of a global pandemic. Having this kind of protection during these uncertain times is reassuring and a must.
Protection against rising cost of healthcare
Senior citizens are more susceptible to age related health issues. With the rise in elder healthcare costs they are very vulnerable to inflated medical expenses. In times like these it does make good sense to invest in health insurance plans for senior citizens and offer them peace of mind with regard to medical expenses.

Why do you need a Health Insurance Cover for Senior Citizens?

Lifestyle Diseases
Lifestyle Diseases

With an appropriate health insurance policy, lifestyle diseases can be dealt properly with senior citizens, without causing further damage to your lifestyle and dent to your pocket.

Inadequate Insurance
Inadequate Insurance

Old age is highly unpredictable and one does not even have the strength to fight a stressful situation. You might already be having an insurance policy but is it adequate?

Beat Medical Inflation
Beat Medical Inflation

The cost of medical treatment in India is always on the rise. With adequate medical insurance, you can ensure that an unfortunate ailment at old age does not erode your hard earned savings.

Big Savings
Big Savings

Plan early for your retirement or for your retirement. Securing a health insurance policy early in life guarantees maximum comfort, protection as well as the lowest premiums.

Not just Health Insurance
Not just Health Insurance

Our health insurance plans for senior citizens come with wellness benefits such as the right kind of diet, fitness regime, nutrition, health-related tips.

Tax Savings
Tax Savings

Buying health insurance is a wise financial decision and a kind of saving as you get tax benefit of upto ^^Rs60,000 annually under section 80D . on the premium paid for your health insurance policy.

Other related articles

 

Other related articles

 

Frequently asked questions

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.

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