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Home / Health Insurance / Health Insurance For Senior Citizen

Senior Citizen Health Insurance

Senior Citizen Health Insurance Plans

If you are above 60, it is wise if you don’t take too many chances with your health and also get yourself senior citizens' health insurance that covers you for medical emergencies in times of need. Understanding that with low immunity and susceptibility to various illnesses, having a customised plan becomes necessary. Given the high cost of medical procedures and treatment, dealing with them can be financially burdensome. HDFC ERGO provides health insurance policies designed for senior citizens, covering pre-existing medical conditions, hospitalisation costs, critical illnesses, and much more. Additionally, with an extensive 12,000+ cashless network across India, HDFC ERGO aims to ensure senior citizens have a worry-free and tranquil retirement.

Recommended Senior Citizens Health Insurance Plans

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No Cost Installment Available*^ my:Optima Secure Health Insurance Plan for Senior Citizens by HDFC ERGO

Optima Secure

Optima Secure from HDFC ERGO is packed with SO MUCH Benefits that give you an incredible 4X Coverage* at no additional cost. HDFC ERGO is strongly backed by the trust of over #1.5 cr customers gained over the period of 18+ years. Get So Much Coverage So Much Choice & So Much Savings.

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my:Health Suraksha Health Insurance Plan for Senior Citizens by HDFC ERGO

my:health Suraksha Silver

This plan offers free health inspection every year so that you remain in the pink of health, always. And family members below the age of 45 do not even have to get tested to get insured. No room rent capping is another key benefit offered by my:health Suraksha.

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Optima Restore Health Insurance Plan for Senior Citizens by HDFC ERGO

Optima Restore

Choose a family health insurance plan that offers 100% sum insured restoration after the first claim and enjoy complete protection all year round. It also offers a 2x multiplier benefit, if you do not make claims.

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Medisure Super Top Up for Health Insurance by HDFC ERGO

Medisure Super Top Up

Why pay more for a bigger cover when you always have an option to top it up with my:health Medisure Super Top-up. Our health insurance plan for individual offers lifelong renewability & AYUSH benefits to cater for their growing medical needs.

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

HDFC ERGO Health Insurance Cover for Senior Citizens

While you may think the savings accumulated over the entire career may be enough to take care of your medical needs. The corpus may run out earlier than you think. Health insurance for senior citizens is a crucial tool to safeguard your life savings. It will help you take care of your health needs even in an era of rising medical costs.

Health Insurance Plan for Senior Citizen by HDFC ERGO Covers Medical Expenses
Covers Medical Expenses
Quality Medical Attention with Health Insurance Plan for Senior Citizen by HDFC ERGO
Quality Medical Attention
Preventive Health Check-up with Health Insurance Plan for Senior Citizen by HDFC ERGO
Preventive Health Check-up
Beat inflation with Health Insurance Plan for Senior Citizen by HDFC ERGO
Beats inflation
Save Tax with Health Insurance Plan for Senior Citizen by HDFC ERGO
Save Tax^
Peace Of Mind with Health Insurance Plan for Senior Citizen by HDFC ERGO
Peace Of Mind

Benefits of Senior Citizen Mediclaim Policy

Having a senior citizen mediclaim policy helps aged and elderly people to manage their expenses better in case of a medical emergency or hospitalisation. As one ages, the chances of suffering from an ailment or a medical emergency increases. So, having the backing of a senior citizen mediclaim policy always helps. Here are some benefits of the same:

  • Easy hospitalisation & reimbursement: Mediclaim policy for senior citizens provides cashless hospitalisation and reimbursement for medical emergencies and treatments. With HDFC ERGO’S Senior Citizen Medicalim Policy, one can get cashless treatment at our 1200+ network hospitals.
  • Tax benefits: One can also avail tax benefits under section 80D with a senior citizen medicalim policy.
  • Preventive health check-ups: A unique feature of the policy is that it offers preventive health check-ups for senior citizens, so to take steps well in advance in case an illness or ailment shows some early signs.
  • Pre-existing conditions covered: Since diseases and conditions can be a part of one’s life as one ages, a senior citizen medicalim policy considers the same and provides coverage for pre-existing diseases as well.
  • Critical illness covered: Most of the senior citizen mediclaim policy covers critical illness (as mentioned in the policy), which is a huge relief for the elderly population.
  • COVID-19 hospitalisation: As we are living the new normal, even COVID-19 hospitalisation is covered under HDFC ERGO’s senior citizen health insurance policy.

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Understand Coverage Offered by Senior Citizens Health Insurance Policies

Hospitalization Expenses Coverage by HDFC ERGO Health Insurance

Hospitalization Expenses

Don’t fret over rising hospitalisation costs. Get seamless coverage for all hospitalisation-related expenses like ICU charges, nursing fees, etc. Seek the best medical facilities without worrying about coverage.

Mental Healthcare Coverage by HDFC ERGO Health Insurance

Mental Healthcare

Reasons for mental stress and fatigue can be numerous. Mental healthcare expenses, however, should not be one. We cover hospitalisation expenses for treating mental illness.

Pre & Post Hospitalisation Coverage by HDFC ERGO Health Insurance

Pre & Post Hospitalisation

Multiple checkups and consultations follow and precede hospitalisation. HDFC ERGO health insurance covers all expenses 60 days prior to hospitalisation and 180 days post-discharge.

Day Care Treatments Coverage by HDFC ERGO Health Insurance

Day Care Treatments

Enjoy the benefits of advancement in medical technology and opt for daycare procedures, if suitable. The policy covers medical procedures that take less than 24 hours.

Home Healthcare Coverage by HDFC ERGO Health Insurance

Home Healthcare

Get treated in the comfort of your home on the recommendation of a doctor and we will cover all the treatment expenses.

Sum Insured Rebound Coverage by HDFC ERGO Health Insurance

Sum Insured Rebound

In case the existing health cover gets exhausted, the policy magically recharges the sum insured up to the base cover so that you do not have to worry about future diseases.

Organ Donor Expenses Coverage by HDFC ERGO Health Insurance

Organ Donor Expenses

Serious illnesses may require an organ transplant. Getting a suitable organ donor can be a bit difficult but rest assured of the expenses as the plan covers organ donor expenses.

Recovery Benefit Coverage by HDFC ERGO Health Insurance

Recovery Benefit

Has your doctor advised hospitalisation of more than 10 days? In case of a lengthy hospitalization (over 10 days), we pay a lump sum amount to help you take care of household expenses.

AYUSH Benefits Coverage by HDFC ERGO Health Insurance

AYUSH Benefits

We believe you should not leave any stone unturned when it comes to your health. The HDFC ERGO my:health Suraksha Insurance - Silver Smart Plan offers coverage for alternative therapies like Ayurveda, Unani, Siddha and Homeopathy.

Free Renewal Health Check-up Coverage by HDFC ERGO Health Insurance

Free Renewal Health Check-up

Get a free health check-up within 60 days of renewing your policy with us.

Lifelong Renewability Coverage by HDFC ERGO Health Insurance

Lifelong Renewability

Get insured and forget as the policy continues for the entire life on break free renewals.

Multiplier Benefit Coverage by HDFC ERGO Health Insurance

Multiplier Benefit

If there is no claim in the first year, in the next policy year, the sum insured will grow by 50%. It means, instead of ₹ 5 Lakh, your sum insured would now stand at ₹ 7.5 Lakh for the second year.

The above mentioned coverage may not be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our health insurance plans.

Adventure Sport Injuries Coverage by HDFC ERGO Health Insurance

Adventure Sport Injuries

Adventure sports like bungee jumping and paragliding can be extremely enjoyable, but they also expose you to untold risks. We do not cover injuries sustained due to adventure sports.

Self-inflicted Injuries Coverage by HDFC ERGO Health Insurance

Self-inflicted Injuries

People may harm themselves under the influence of alcohol or hallucinogenic substances, however, we do not cover self-inflicted injuries.

War Coverage by HDFC ERGO Health Insurance

War

A war can be ruinous and devastating. The policy does not cover claims caused due to wars.

Participation in Defence Operations Coverage by HDFC ERGO Health Insurance

Participation in Defence Operations

Any injury caused while participating in defence operation is not covered by the policy.

Venereal or Sexually Transmitted Diseases Coverage by HDFC ERGO Health Insurance

Venereal or Sexually Transmitted Diseases

Venereal and sexually transmitted diseases can be devastating for the mind and the body. We do not offer cover for venereal and sexually transmitted diseases.

Treatment of Obesity or Cosmetic Surgery Coverage by HDFC ERGO Health Insurance

Treatment of Obesity or Cosmetic Surgery

Many people opt for obesity reduction procedures and cosmetic surgery to improve their appearance. The policy does not cover obesity treatment and cosmetic surgery.

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Documents Required for Claim under a Mediclaim Policy for Senior Citizen

A list of the documents required while purchasing senior citizen health insurance plans:

1

Age proof

Since most insurance companies set an entry age, it is an important document required at the time of buying health insurance. You can give a copy of any of the following documents:

• PAN Card

• Voter ID Card

• Aadhaar Card

• Passport

• Driving License

• Birth Certificate

2

Address proof

For communication purposes, the health insurance provider would need to know the postal address of the policyholder. The following documents can be submitted by the policyholder:

• Driving License

• Ration Card

• PAN Card

• Aadhar Card

• Utility Bills such as telephone bill, electricity bills, etc.

• Rental Agreement in case applicable

3

Identity proof

Identity proofs help the insurance company to distinguish the sort of inclusion proposed to the policyholder. The following documents can be submitted by the policyholder:

• Passport

• Voter ID Card

• Driving License

• Aadhar Card

• Medical Reports (in case asked by the insurance company)

• Passport Size Photo

• Duly filled and signed proposal form

  How to Make a Claim for your HDFC ERGO Health Insurance  

The sole purpose of buying a health insurance plan is to get financial support at the time of medical emergency. Hence, it is important to read the below steps to know how Health Insurance claims process works differently for cashless claims and reimbursement claim requests.

1 claim processed every minute^^

HDFC ERGO Claim settlement : Fill pre-auth form for cashless approval
1

Intimation

Fill up the pre-auth form at the network hospital for cashless approval

HDFC ERGO Claim settlement: Health Claim Approval Status
2

Approval/Rejection

Once hospital intimates us, we send you the status update

HDFC ERGO Claim settlement : Hospitalization after approval
3

Hospitalisation

Hospitalisation can be done on the basis of pre-auth approval

HDFC ERGO Medical Claims Settlement with the Hospital
4

Claim settlement

At the time of discharge, we settle the claim directly with hospital

1 claim processed every minute^^

Hospitalization
1

Hospitalisation

You need to pay the bills initially and preserve the original invoices

claim registration
2

Register a claim

Post hospital discharge send us all your invoices and treatment documents

claim verifcation
3

Verification

We verify your claim related invoices and treatment documents

claim approval
4

Claim Settlement

We send the approved claim amount to your bank account.

Things to Consider While Buying a Mediclaim Policy for Senior Citizens

1

Day Care Facilities

Due to technological advancement in medicine, a lot of medical procedures and surgeries can be done through day care treatments. But under a standard health insurance policy, a senior citizen must be hospitalized for at least 24 hours to raise a claim. Hence, it is better to buy a senior citizen plan that covers a variety of day care procedures like dialysis, chemotherapy, radiotherapy, etc.

2

Network Hospitals

Every health insurance company has an extensive network of hospitals where you can avail cashless hospitalization facilities. Enquire about the list of network hospitals of your insurance company before buying a plan. This will help you to know if a good hospital in your locality is on the list.

3

Process of Health Insurance Claim Settlement

Claim settlement ratio and the time taken by an insurance company to settle claims should also be taken into consideration while purchasing a senior citizen health policy. If an insurance company’s claim settlement time is less and the claim settlement ratio is high, it means that the chances of your claim getting settled quickly are more.

4

No Claim Bonus

A no claim bonus discount is provided by most insurance companies if no claims are lodged by the policyholder in the previous year. In such a case, either the policy premium decreases or the sum insured amount increases.

5

Free Medical Health Check-up Facility

The most suitable health insurance plans for senior citizens is the one which allows the policyholders to avail medical check-up for free on an annual basis. This usually is offered after the completion of certain policy years or after every two/three claim-free years.

6

Renewal Process

The best health insurance plan offers a lifetime renewability option so that you won’t have to buy another health plan in your old age. A policy that cannot be renews, especially after 60 years, is not the right plan for a senior citizen.

7

Waiting Period for Pre-existing Diseases

Most elderly people suffer from pre-existing diseases whose treatment are expensive. Hence, it is ideal to opt for a senior citizen health insurance plan that comes with a minimum waiting period for pre-existing diseases.

8

Domiciliary Hospitalization

In case of unfortunate situations, an elderly person’s health condition may not allow him/her to get admitted to a hospital. In such a case, health plans with domiciliary hospitalization cover will take care for home treatment expenses as long as it has been advised by a qualified doctor.

Tax Benefits of Senior Citizen Health Insurance

Tax Benefits of Senior Citizen Health Insurance

A senior citizen health policy covers medical expenses as well as helps you to get tax exemption under section 80D of the Income Tax Act, 1961. You are eligible for an income tax rebate of up to Rs 50,000 if you hold a mediclaim policy for senior citizens for your elderly parents.

An additional tax rebate of Rs 5,000 can be earned on payments made towards preventive health check-ups every financial year. Additionally, you can also get a rebate of up to Rs 1 lakh if the senior citizen undertakes a critical disease treatment.

In case you are an earning senior citizen and are also paying the health insurance premium on behalf of your son or daughter, then you can avail an additional income tax rebate of Rs 25,000. This means that you can avail tax deduction of up to Rs 75,000 in a financial year under section 80D.

Why People of 60+ Age Should Take HDFC ERGO Senior Citizen Health Insurance

  • HDFC ERGO senior citizen health insurance plan comes with tax benefit under section 80C of Income tax act 1961.
  • Pre and post hospitalization expenses are covered and it pays for doctor's fees, medical bills, room charges, in-patient hospitalization expenses, emergency ambulance expenses for transporting the insured shall be borne by the insurance company.
  • HDFC ERGO senior citizen health insurance offers a hassle-free claim settlement process. So, when the time comes, you will not have to worry about complicated paper works. The hassle-free claim settlement process will help during health emergencies.

Myths about Senior Citizen Health Insurance

Fact – With age, elderly people’s body becomes fragile and vulnerable to various illnesses. So, one must be extremely careful about their ageing loved one’s health and take the necessary precautions to keep them healthy. Even if your senior citizen parents do not have any health issues right now, you need to be prepared for sudden changes and health emergencies, and it is vital that you buy medical insurance for them.

Fact – A family floater health insurance policy usually covers all the family members, including parents, spouse and children. It is a group insurance plan that has a fixed sum insured. So, if any claim is made for an illness by any of the family members, the sum insured is reduced, which means there will be only limited coverage for the elderly members of your family. The senior citizens may have special needs during a medical emergency. Hence, the family health insurance plan coverage may not be enough, and you may have to pay out of savings for the treatment. To skip this situation, it is advisable to buy a separate health insurance for elderly family members.

Fact – One of the most common misconceptions that people have about senior citizen health insurance is that pre-existing illness would not be covered under the plan. But, the truth is that the coverage depends on the insurance company. If the insurer you choose is willing to cover the pre-existing illness, senior citizens can get a health cover. Thorough research needs to be done about the insurance companies that provide coverage for pre-existing diseases.

Fact – Buying health insurance online is safe and convenient. When you buy the policy online, the premium is may be lower as compared to buying offline as there are no agents involved. Also, when you purchase a policy online, you can compare the plans and choose the one that suits your specific needs.

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Why Buy Senior Citizens Health Insurance Online?

Convenience of Applying HDFC ERGO Health Insuracne Online

Convenience

With the digital wave sweeping India, a number of new avenues have opened up, buying health insurance being one of them. Getting health insurance for senior citizens online offers unprecedented convenience. You do not require a long and winding explanation, just a click of the mouse and you are done!

Secured Payment Modes for HDFC ERGO Online Health Insurance

Secured Payment Modes

When the world is going contactless, why to rely on paying through cash or cheques. With the emergence of new technologies, online payments have become the most secure modes of translation. Pay through debit/credit card or net banking with extreme safety.

Instant Quotes & Policy Issuance for HDFC ERGO Online Health Insurance

Instant Quotes & Policy Issuance

Want to change the cover or add or remove a member? Rather than waiting for someone to give lengthy explanations, opt for the online mode where all this can be done in a jiffy.

Have the policy document handy for HDFC ERGO Online Health Insurance

Get instant policy document

With online transactions, you do not have to wait for the policy document to arrive through the mail system. Neither do you have to worry about the safe-keeping of the document. You get the policy document in your mail as soon as you make the first payment.

instant quotes & policy issuance

Everything at your fingertips

Get every piece of information related to your policy and much more in a single place. To ensure that you do not have to search for policy-related documents in various folders and mailboxes, we provide all policy-related documents in the my:health services mobile application. You can also monitor your calorie intake and BMI through the app.

How to Buy Senior Health Insurance Policy Online from HDFC ERGO

HDFC ERGO offers you a wide range of health insurance plans for senior citizens. You can buy the plans online as well as offline. To buy these plans online, you are required to follow the easy steps given below:

1. Visit hdfcergo.com and click on the ‘health insurance’ tab.

2. Enter personal details asked on the form.

3. Then you will be guided to the plans, choose accordingly and follow the instructions.

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Health Insurance Reviews & Ratings

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DEVENDRA KUMAR

EASY HEALTH

5 June 2023

BENGALURU

Very nice services, keep it up. Best wishes to team members.

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G GOVINDARAJULU

HDFC ERGO GROUP HEALTH INSURANCE

2 June 2023

COIMBATORE

My sincere thanks to your customer service executive Ms Meri who has helped me uploading the claims on your website.Her knowledgeable guidance was very helpful. Such help is very much appreciated for Senior Citizen like us. Thank you once again

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RISHI PARASHAR

OPTIMA RESTORE

13 Sep 2022

DELHI

Excellent service, nothing to complain about. You are number one in terms of service. My uncle suggested me to purchase insurance from you and I am very happy

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MY:HEALTH SURAKSHA

12 Sep 2022

GUJARAT

I have a policy with HDFC and it has been a great experiense with HDFC team.

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OPTIMA RESTORE

10 Sep 2022

HARYANA

The excellent services have helped me feel mentally very secured and at peace while undergoing treatment for these life threatening disease. Looking forward to the same excellent service in the future as well.

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Optima Secure

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Optima Secure

26 May 2022

Mumbai

Thanks for calling me and explaining to me in great detail the various features of Optima Secure and Energy Health Insurance Policies. The customer service executive was very articulate, systematic, and knowledgeable about various products of HDFC Ergo Health Insurance. It was great talking to him.

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Frequently Asked Questions

Senior Citizen Health Insurance is a type of health insurance policy for people over 60 years of age that covers medical expenses and the cost of hospitalisation during medical emergencies. It offers a lot of benefits-such as preventive health check-ups, cashless hospitalization, coverage for pre-existing diseases, critical illness, and pre and post-hospitalization expenses and coronavirus treatment. However, read your policy document carefully to know about all the benefits.

Most forms of employment usually have an upper age limit, after which an employee is expected to retire. At the same time, as you grow older, your body begins to demand greater medical care, necessitating more frequent trips to the hospital. With each passing year, rising medical inflation also makes medical care more expensive. This combination of reduced income and increased medical expenditure makes health insurance a necessity for senior citizens.

Ideally, you should undergo a medical screening before buying a senior citizen health insurance plan. As this will help your insurer asses your condition and work out a plan that suits your needs. This will also give the insurer a better idea about the coverage and the premium that needs to be paid. Doing all these necessities in the beginning will also reduce the chances of rejection during a claim.

If you are 60 or beyond, you are considered to be a senior citizen by age only. Of course, you are much younger at heart and we hope you stay the same. However, while considering buying a senior citizen health insurance plan, we suggest you don’t delay it too much. You can buy them at 60, 70 or even 80. But remember, as you age, the premium on your policy can increase and you might also miss out on certain benefits. So, the sooner the better.

Yes, it does. The reason being, as you age you can be prone to various diseases and illnesses. Also, with immunity, taking a dip, health emergencies could be a common occurrence. To ensure that you are adequately covered during such trying times, your insurer might charge a higher premium as you grow old.

Most often, when one switches from one insurer to another, they get to enjoy many continuity benefits and add-ons. In most cases, it is the same with senior citizens as well. However, it might be slightly difficult for senior citizens to switch policies due to advanced old age and a high probability of sickness. But if you are unhappy with the services of your current insurer, you can do research for yourself to know about the benefits you can get in other policies or get your issues resolved with your relationship manager or customer care manager.

Yes, most insurance companies offer free annual health check-ups under senior citizen health policies. You can enjoy the same benefits with HDFC ERGO’s senior citizen health insurance plans too.

Yes, critical illnesses are covered under health plans for senior citizens. However, read your policy documents carefully to understand which critical illnesses are covered and for which ones you need to get a critical illness cover.

While you can opt for a family floater plan which covers all family members and senior citizens over the age of 60, it is wise to get individual cover for senior citizens which will promise comprehensive coverage for a larger sum insured against medical emergencies.

Yes, you can buy health insurance even if you are above 65 years of age if there is no age limit at the time of entry in the policy. There is a lifelong renewability in health insurance policies. This is subject to terms and conditions of the insurance policy. It is advisable to plan for your financial independence and health expenses at an early age.

Pre-existing condition as the name suggests refers to the medical condition or a health problem that an individual had before buying the health insurance policy. There is a waiting period associated with the pre-existing condition. The waiting period is a certain length of time after buying an insurance policy for which you have to wait to be eligible to use full coverage. Subject to terms and conditions of the insurance policy.

Yes, you can choose among the options of monthly, quarterly, half-yearly, or yearly premium installments. However, this is subject to the option available in the chosen policy.

For HDFC ERGO senior citizen health insurance policy, there is no entry and exit age restriction in my:health Suraksha Insurance - Silver Smart Plan. Subject to terms and conditions of insurance policy.

The amount you pay monthly/quarterly/half-yearly/ yearly for your insurance is called the premium. You can easily compute the premium by using the premium calculator available on the website. Just fill in the basic personal details such as name, email ID, date of birth, etc. and click on calculate premium. Once done, the premium calculator will generate the premium amount.

Some of the reasons listed below highlight why you should opt for HDFC ERGO senior citizen health insurance policy.

  • Hassle-free claim settlement
  • 5% additional discount on buying insurance plan online
  • 12,000 network hospitals across India.
  • Lifelong Renewability
  • Pre & Post Hospitalisation expenses
  • Tax savings under Section 80D of the Income Tax Act
  • Minimum Documentation

 

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