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Medical Insurance Policy for Senior Citizen

You’ve turned 60, an apt age for spending a stress free life with absolutely no worries. However, this is an alarming age that calls for more caution in terms of health. Undoubtedly, old age attracts more ailments and contraction of diseases. Digging onto the pensions and lifelong savings may affect your overall lifestyle and cause a huge financial burden. For a stress free retired life and planned health expenses, HDFC ERGO offers Health Insurance policies designed especially for the senior citizen.

HDFC Health Insurance allows you to lead a stress free life with the help of a planned medical routine. It covers possible health risks and takes care of rising medical expenses. Buying the best health insurance policies is the right way to spend the rest of the life with utmost ease. HDFC ERGO understands the importance of health insurance for Senior Citizen and their growing medical needs. To deliver maximum coverage at affordable premium, HDFC ERGO presents myhealth: Medisure Classic Health Insurance Plan& Health Suraksha Plan.

Health Suraksha Insurance

Health Suraksha is uniquely designed to protect your parents. It provides maximum coverage at an affordable cost. Choosing Health Suraksha will indeed give your family a complete protection and safeguards you from spiralling medical expenses. You can also add health Suraksha plan with your employee health insurance for a larger cover.

Eligibility

  • Anybody above the age of 91 days can opt this policy, there’s no maximum age restriction
  • Children below 5 years get covered only if both the parents are covered under the policy.

Who all are covered under the Senior Citizen health insurance?

Health Suraksha Gold is a well-customized family floater policy that covers you, your spouse, kids, and parents.

Why choose Medisure Classic?

  • Freedom to choose tenure of the policy; it can be either for one or two year.
  • 10% discount for a two years health policy
  • Avail 5% Cumulative Bonus at the end of each claim-free year.
  • Free health check-ups on completing 4 claim-free years
  • Massive chain of 6000+ network hospitals for cashless treatment
  • Tax savings under Section 80D of the Income Tax Act
  • Minimum Documentation
  • Hassle-free claim settlement procedure
  • No restrictions on hospital expenses such as room rent, doctor fees and medicine costs.
  • No entry age restriction
  • Lifelong renewability

Benefits of buying HDFC ERGO Health Insurance Policy Online?

With fast-forward lifestyle there’s a constant rush every time. Busy schedules, meetings and family engagements keep us tied up every time. Even if you choose to invest in a health insurance policy, you have to set up a meeting and make a buying decision for the right policy. To cut out the waiting time and ensure quick buying, HDFC ERGO allows you to buy policies online. With loaded benefits, buying health insurance plan online will save your time and secure your health with a wider cover. Here’s a list of benefits you can avail while buying health insurance policies online.

  • Easy, convenient and time saving
  • On spot plan comparison
  • Multiple secured payment options
  • 24*7 Customer Support
  • Transparency
  • Instant policy

What is covered?

  • In-patient Treatment due to illness and accident
  • Pre-hospitalization costs incurred 60 days prior hospitalization
  • Post-hospitalization costs incurred 90 days post discharge
  • Day care treatment, that do not require 24hrs hospitalization
  • Domiciliary Treatment, as advised by medical practitioner
  • Organ Donor Treatment 
  • Emergency Ambulance
  • Non Allopathic Treatment under AYUSH -  Ayurveda, Unani, Siddha and Homeopathy

(T&C apply. For detailed information on covers, please refer the policy wordings.)

What is not covered?

HIV/AIDS, medical expenses arising due to intoxication, plastic or cosmetic surgery, self-inflicted injuries, War related injuries.

(T&C apply. For detailed information on exclusion, please refer the policy wordings.)

my:health Medisure Super Top Up Insurance For Senior Citizen

At 60, you are all set to enjoy retired and laidback life with absolutely no worries. However, at this stage of life you may fall sick quite often. It is essential to plan your medical expenses beforehand for dealing effectively against medical complications. Thanks to the advancements in science and technology, there are cure available for almost all diseases but it also comes with a cost, hence it’s always recommended to have a higher health cover to meet the rising medical costs. Understanding the medical necessities for this stage of life, HDFC ERGO Health Insurance offers my:health Medisure Super Top. This health insurance plans for senior citizens can be opted as a fresh new health insurance plan or you can add it to your existing health insurance policy. my:health Medisure Super Top Up can be added up to any of your base policy that you hold, this base policy may or may not be with HDFC ERGO Health Insurance. For instance: You hold an existing health insurance plan with some other Indian Insurance Company, you can still add my:health Medisure Super Top Up to your current plan and increase the health cover. Isn’t it an amazing health insurance plan for senior citizens?

Health Insurance FAQs

  • 1. What do you mean by annual sum insured?

    The annual sum insured is the maximum amount that an insurance company will pay you, according to the insurance contract, in the event of a claim.
  • 2. What are the eligibility criteria for purchasing the policy?

    HDFC ERGO's Health Suraksha plan is open for all above the age of 92 days. There’s no limit on age.
  • 3. Do these health policies offer any tax exemptions?

    Yes absolutely, you can avail tax exemptions up to a sum of Rs. 25,000 as tax benefit under 'Section 80D'. In case of senior citizens, you are allowed to avail tax exemption up to a sum of Rs. 30,000 under Section '80'. For more details on Tax Savings
  • 4. Are there any medical tests that I need to undergo to enroll myself?

    No pre policy medical check-up is required for individuals’ up to 45 years.

  • 5. What are Pre and Post Hospitalisation expenses?

    Pre hospitalisation expenses means the medical expenses incurred for specified number of days prior to hospitalisation for any disease / illness / injury sustained which is covered under the health insurance Policy. And post hospitalization expenses means the medical expenses incurred for a specified number of days after discharge from the Hospital. In ‘Health Suraksha’ the pre-hospitalization period is 60 days while the post-hospitalisation period is 90 days.
  • 6. What is meant by Day Care Procedures?

    Day care procedures are the medical procedures/surgeries wherein the person does not need to get hospitalised for more than 24 hours due to technological advancement
  • 7. What are Domiciliary Hospitalisation or in home treatment expenses?

    The Medical Expenses incurred by an insured Person for medical treatment taken at his home, on the advice of the attending Medical practitioner, the insured Person could not be transferred to a Hospital or a Hospital bed was unavailable.
  • 8. What is meant by Organ Donor Expenses?

    Organ donor expenses include all hospitalisation expenses incurred by the donor for donating an organ (excluding the cost of the organ) to the insured during the course of an organ transplant.
  • 9. What is covered under the AYUSH Benefit?

    Under AYUSH benefit HDFC ERGO Health Suraksha reimburses expenses for inpatient treatment taken under Ayurveda, Unani, Sidha or Homeopathy.
  • 10. What do you mean by Pre-Existing Diseases?

    Any condition, ailment or injury or related condition(s) for which insured person had signs or symptoms and/or was diagnosed and/or received medical advice/treatment within 48 months prior to your first policy with the company.
  • 11. What is Cumulative Bonus?

    Cumulative Bonus is an increase in sum insured by a specified percentage for every claim free year subject to a certain maximum; provided that the health insurance policy should be renewed without any break. Under Health Suraksha, you can avail of 5% cumulative bonus for every claim free year.
  • 12. What is the procedure for reimbursement of medical expenses with HDFC ERGO Health Suraksha Gold?

    Follow three simple steps to get your claim covered:
    1. Register your claim with us within 7 days of patient's discharge.
    2. Send the duly signed claim form and all the documents mentioned therein to us within 15 days of the occurrence of the incident.
    3. After receiving the complete set of claim documents, we will send the payment for admissible amount along with claim settlement statement within 30 days in the name of the proposer.
  • 13. What are the benefits of a Health Card?

    A health card contains the contact details of the in house claim service team. In case of a medical emergency, you can call on these numbers for queries, clarifications and for seeking assistance. Moreover, you need to display your health card at the time of admission into the hospital.
  • 14. Do I need to pay for Hospitalization?

    In case you are admitted in any of our network hospitals, you easily can avail cashless facility. We would directly reimburse all the admissible expenses to the hospital. However, in case of non-network hospitals, you will have to settle hospital bills at the time of discharge, and consequently, the same will be reimbursed to you by us as per Policy terms and condition, on submission of relevant document/s in originals
  • 15. What is meant by Network Hospitals

    These are the hospitals that form part of the company's network (part of the company's tie-up list).For a complete list of network hospitals, log on to our website
  • 16. What is meant by Non-Network Hospitals?

    These hospitals do not form part of the company's network list. The bills are settled by the Insured and the relevant documents and bills are subsequently submitted to the company. The amount, consequently, is reimbursed to the Insured
  • 17. Whom to contact in case of hospitalisation?

    For hospitalisation/claim, customer can contact via
    Call: 1800 2 700 700 (accessible from India only)
    Fax: 1860 2000 600
    Email: healthclaims@hdfcergo.com
    Mobile App: Register our claim through our mobile app. Visit https://m.hdfcergo.com/download
  • 18. How can I port my existing health insurance with HDFC ERGO's Health Suraksha?

    If you own a health insurance plan issued by an Indian general insurer and you want to shift to HDFC ERGO on renewal, Health Suraksha policy offers portability of accrued benefits and make due allowances for waiting period etc. as per the regulation and guidelines on portability issued by IRDA(Insurance Regulatory Development Association). If you transfer your health insurance policy from any other Indian insurer and with enhanced coverage then the portability benefits will be offered on the previous sum insured
  • 19. What is family floater policy?

    A family floater policy covers all family members under a single plan.
  • 20. How does it work?

    The sum assured is predetermined and reduces as and when any member avails the benefits under the plan. Such plans cover you, parents, spouses, and children.
  • 21. What are documents required?

    Some documents required include identity, age, and address proof of all covered members. In addition, the primary holder’s income proof is needed. Certain plans may require medical examination.
  • 22. Do I need family floater if already covered in corporate insurance?

    Yes, it is recommended because the corporate insurance coverage may be insufficient. Moreover, if you change or lose your job, you will lose the coverage.
  • 23. What happens if the primary insured passes away?

    If the primary insured passes away, the other adult member included in the policy may continue the policy. However, addition and deletion may be done only at the time of renewal.
  • 24. What is the claim reimbursement procedure?

    You must register the claim within seven days of discharge. You must attach all the documents along with the claim form. When all documents are duly received, you will receive a claim settlement letter within 30 days.
  • 25. Does health insurance under family plan ensure cashless hospitalization?

    Yes it does.
  • 26. Can I change the hospital during the course of treatment?

    Yes, most plans allow you to change the hospital during the course of treatment. However, you must provide the necessary information to evaluate your case.
  • 27. Will I be covered in case of overseas illness?

    Some insurers provide overseas benefits, such as pre-diagnosed planned hospitalization, outpatient treatment, and second opinion in case of sudden illness while travelling.
  • 28. What can I do if cashless hospitalization is denied?

    You must check if the information provided is accurate and does not have any discrepancy. It may be denied if the condition is excluded from the plan. It is advisable to pay all the expenses and then file a claim.
  • 29. How to get multiple insurance and how to claim under multiple plans?

    You can get multiple insurance policies from different companies. However, you must provide all information about existing policies to the other insurers.
  • 30. How can I get add new member to my existing family floater?

    You can easily add a new member by filling up a proposal form.


myhealth: Medisure Classic Insurance

HDFC ERGO presents myhealth: Medisure Classic insurance, a health insurance plan that helps in meeting your medical necessities. You can also add myhealth: Medisure Classic insurance with your employee health insurance for a larger cover to safeguard your parents. This health insurance policy is designed to ensure complete well-being and total protection. myhealth: Medisure Classic shall offer protective cover for your parents and also reduce the financial burden arising due to unpredictable expenses.

Eligibility

  • Anybody above the age of 91 days can opt for myhealth: Medisure Classic Health Insurance

Who all are covered under the myhealth: Medisure Classic health insurance?

myhealth: Medisure Classic is a well-customized family floater policy that covers you, your spouse, kids, and parents.

Why choose Medisure Classic?

  • Lifetime Entry , no upper age limit
  • Minimum Premium
  • Unlimited Day Care Treatments
  • Option to choose Double Sum Insured for critical illness, as add-on
  • Option for waiving off room rent capping
  • Hospital Cash
  • Recovery Benefit
  • Freedom to choose tenure of the policy; it can be either for one or two year.
  • Avail 5% Cumulative Bonus at the end of each claim-free year.
  • Massive chain of 6000+ network hospitals for cashless treatment
  • Tax savings under Section 80D of the Income Tax Act
  • Lifelong renewability

Benefits of buying HDFC ERGO Health Insurance Policy Online?

With fast-forward lifestyle there’s a constant rush every time. Busy schedules, meetings and family engagements keep us tied up every time. Even if you choose to invest in a health insurance policy, you have to set up a meeting and make a buying decision for the right policy. To cut out the waiting time and ensure quick buying, HDFC ERGO allows you to buy policies online. With loaded benefits, buying health insurance plan online will save your time and secure your health with a wider cover. Here’s a list of benefits you must avail while buying online health insurance policies.

  • Easy, convenient and time saving
  • On spot plan comparison
  • Multiple secured payment options
  • 24*7 Customer Support
  • Transparency
  • Instant policy

What is covered?

  • In-patient Treatment due to illness and accident
  • Hospitalization due to illness, accident or injury
  • Pre-hospitalization costs incurred 30 days prior hospitalization
  • Post-hospitalization costs incurred 60 days post discharge
  • Day care treatment, that do not require 24hrs hospitalization
  • Ayurvedic Treatment costs upto 25,000 on hospitalization
  • Pre-existing diseases, after a waiting period of 3 years
  • Maternity + New born
  • Emergency Ambulance

(T&C apply. For detailed information on covers, please refer the policy wordings.)

What is not covered?

HIV/AIDS, medical expenses arising due to intoxication, plastic or cosmetic surgery, self-inflicted injuries, War related injuries.

(T&C apply. For detailed information on exclusion, please refer the policy wordings.)

Benefits of buying HDFC ERGO Health Insurance Policy Online?

With fast-forward lifestyle there’s a constant rush every time. Busy schedules, meetings and family engagements keep us tied up every time. Even if you choose to invest in a health insurance policy, you have to set up a meeting and make a buying decision for the right policy. To cut out the waiting time and ensure quick buying, HDFC ERGO allows you to buy policies online. With loaded benefits, buying health insurance plan online will save your time and secure your health with a wider cover. Here’s a list of benefits you must avail while buying online health insurance policies.

  • Easy, convenient and time saving
  • On spot plan comparison
  • Multiple secured payment options
  • 24*7 Customer Support
  • Transparency
  • Instant policy

FAQs

  • 1. What is a Pre-Existing Disease?

    Pre-Existing Disease means any condition, ailment or injury or related condition(s) for which there were signs or symptoms, and / or were diagnosed, and / or for which medical advice / treatment was received within 36months prior to the first policy issued by the insurer and renewed continuously thereafter.
  • 2. How does the Family Floater option in Myhealth: Medisure Classic operates?

    The Family Floater option in Health Insurance covers the family & the coverage is shared among the members of the family.
  • 3. I am a Foreign Citizen? Can I take a health policy for my child who is continuing further studies in India?

    Yes. The scope of cover age shall be restricted to treatment taken in hospitals in India during the policy period.
  • 4. Are naturopathy and homeopathy treatments covered under a health policy?

    Myhealth: Medisure Classic covers only Allopathic and Ayurvedic treatment as per the coverage, terms, conditions and exclusions of the Policy.
  • 5. Does Myhealth: Medisure Classic Insurance cover diagnostic charges like X-ray, MRI or ultrasound?

    Health Myhealth: Medisure Classic Insurance covers all diagnostic test like X- ray, MRI, blood tests as within the scope of policy during in-patient treatment. Hospitalization over 24hrs patients is mandatory. Any diagnostic tests which do not lead to hospitalization or which have been prescribed as Out-patient are not covered.
  • 6. I have an insurance cover provided by my employer for Rs.400, 000 covering my entire family. Can I still take another policy from you?

    Yes, you can take a cover from us also mentioning about the existing policy details. This will help you to give your family additional health protection.
  • 7. What is Co-Payment?

    Co-payment means a cost sharing requirement under a health insurance policy that provides that the policyholder/insured will bear a specified percentage of the admissible claims amount. A co-payment does not reduce the Sum Insured.
  • 8. What is the age limit for taking this policy?

    • Entry Age : 3 months to 23 years for dependent children (cover starts from 91 days of age)
    • For Proposer minimum 18 years must be complete.
    • Life time entry is allowed
    • Optional Double Sum Insured for Critical Illness can be availed only up to the age of 65 years
  • 9. Is health-checkup required while purchasing Myhealth: Medisure Classic?

    Pre Acceptance Medical tests are waived off until 50 years of age for all proposed members in Myhealth: Medisure Classic, subject to no pre-existing diseases. The completed age as on the date of proposal is considered to decide on medical test requirement.
  • 10. Who pays for the medical examination?

    Customer undergoing the Health check-up shall pay 50% of check-up charges to the diagnostic centre. In case the test is done at network diagnostic centre and policy is approved, we reimburse 50%
  • 11. Are cosmetic treatments or medical attention for cosmetic purposes covered?

    Plastic surgery or cosmetic surgery is covered only when it becomes medically necessary following an accident.
  • 12. Does Myhealth: Medisure Classic Insurance Policy offer coverage Worldwide?

    Myhealth: Medisure Classic Insurance Policy only covers medical treatment taken within India and payments under this policy shall only be made in Indian Rupees within India.
  • 13. What are the different modes of online payment?

    Premium can be paid by multiple secure payment modes such as debit card, net banking, e-wallet and Credit Card.
  • 14. What if I cancel my policy mid-duration, i.e. before the policy expires?

    Cancellation can be requested by giving a request for cancellation. Refund will be on provided on Short Period Rates mentioned below:
    Period On Risk Rate Of Premium Refunded
    Upto 1 month 75% of annual rate
    Upto 3 months 50% of annual rate
    Upto 6 months 25% of annual rate
    Exceeding six months Nil
    Minimum premium of Rs.250 will be retained towards administrative charges only when the calculated refund amount is less than Rs.250. Please note that the above mentioned grid is applicable in case of zero claims during the current policy period.
  • 15. How can I add family Members to my existing Policy?

    Newly married spouse and New Born Child (91 days intimated for addition can be accepted up to 6 months on written declaration by the Proposer and Birth certificate copy) can be added during the mid-term as well. Once the new born completes 6 months, addition can be done at the next renewal only.
  • 16. What is the renewal process?

    Your policy remains continuous if you pay within 30 days from the date of expiry. Subject to policy received date by the insurance company.
  • 17. Can a customer opt or Delete waiver of sublimit / critical illness in the renewal year?

    Yes, customer can opt or delete waiver of sub-limit / critical illness in the renewal year however Critical illness can be opted upto 65 years only and addition of waiver at Renewal is subject to Medical UW approval.
  • 18. How long can I continue to renew Myhealth: Medisure Classic Insurance Policy?

    Life time renewability can be done subject no break in policy. Renewals will be available for life time and will not be denied except in case of Fraud, Non- disclosure, mis-representation or non-cooperation from your side.
  • 19. What are the renewal terms for a person who has claimed under CI benefit?

    On renewal the particular CI for which claim has been paid will be excluded. Rest of the Critical Illness will continue to get covered.
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