Senior Citizen Health Insurance – The Best Gift for your Parents!

Senior health insurance is a necessity for all. Though medical emergency can crop up anytime, but once you are above 60 years, it is better to be prepared rather than being sorry.  With spiraling medical costs, having a health insurance gives a lot of mental relief. Consumer VOICE has compared six senior health insurance plans to help you select the best!

Health Insurance Policies Compared:  Manipal Cigna/Pro Health, Apollo Munich/Optima Senior, ICICI Lombard/Complete Health, Religare Health/Care Freedom 1, Star Health/Senior Citizens Red Carpet, Bajaj Allianz/Silver Health

Parameters Compared:  Sum insured, maximum entry age, pre and post hospitalization cover, maximum entry age, day care coverage

Why does one need a senior health insurance cover?
With old age comes a lot of health concerns. But worries can be put at ease if one has a good health cover. A senior health insurance covers pre and post hospitalization, emergency ambulance service, and day care among others.
Which are the factors which are included in senior citizen health insurance?
Pre and post hospitalisation, in-patient treatment, domiciliary treatment are some of the factors covered under health insurance.
Which are the factors that are not covered under senior health insurance?
Some of the major exclusions of most of the policies are:
  • Cosmetic surgery
  • Dental Treatment
  • Aesthetic treatment
  • Plastic Surgery
  • Weight Reduction procedures
  • AIDS/ Sexually Transmitted Diseases (STD)
  • Stem Cell Procedures
  • Robotic Surgery
Which is the best health insurance for senior citizens?
The key test findings on various parameters are available in January 2019 magazine. Please watch out for top performers as well as value for money.