• Introduction
  • Choose your plan
  • Why Choose HDFC ERGO?
  • Related articles
  • 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
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
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
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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Why do you need a Health Insurance Cover for Senior Citizens?

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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.

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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?

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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.

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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.

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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.

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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.

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Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Why HDFC ERGO?

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process. ~90% of pre-authorised cashless health claims are responded within 20 minutes and reimbursement claims are approved within 3 days.
Why HDFC ERGO?

Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Why HDFC ERGO?

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox**.
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need-24 x 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process. ~90% of pre-authorised cashless health claims are responded within 20 minutes and reimbursement claims are approved within 3 days.

Integrated Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox**.

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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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