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Health Insurance For Senior Citizens

Senior Citizens Health Insurance

Senior Citizen Health Insurance makes it easier for old age people to pay for medical expenses arising due to treatment. It could be a thoughtful present to your ageing parents as it provides a safety cushion while they age.

  • *No Pre-Policy Medical Checkup
  • Annual Checkup for all Insured Members
  • 540+ Day Care Treatments Cover
  • #Save Tax up to Rs 1,00,000/- u/s 80D
24800+
Cashless Healthcare Providers^^
48 LAKH+
Insurance Claims Settled**
24*7
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What is Senior Citizen Health Insurance?

Senior citizen health insurance, as the name suggests, is a type of insurance that covers the healthcare needs of people over the age of 60. We at Care Health Insurance believe that your golden years should be a period of relaxed years. While we would hope that you are hale and hearty always, old age can sometimes also mean taking extra care of yourself. For all your worries regarding your healthcare and the financial strain of treatment, we introduce— 'Care for Senior'—our best-reviewed medical insurance for senior citizens that meets old age-related healthcare and emergency needs with comprehensive coverage of hospitals, treatments, and other medical costs.

Care for Senior is our exclusive health insurance for senior citizens in India with comprehensive coverage, affordable premiums and wide-ranging sum insured options. This plan comes with specific benefits for the elderly—to sit back and enjoy peaceful golden years.

Benefits of Mediclaim for Senior Citizens

Our mediclaim for senior citizens benefits elderly people by taking care of all their old-age health worries and gifting them the joy of life. Our medical policy for senior citizens provides vast coverage across network hospitals, treatments, OPD, and COVID centers for helping elder ones lead tension-free retirement years.

Increased health risks brought on by age and changing healthcare needs undeniably highlight the importance of having a senior citizen health insurance scheme.

 

Affordable Premium

You can rest assured that it is easy to get health coverage for senior citizens at an affordable premium and maximum coverage.

 

Easy EMI for Premium

Get your health cover today without worrying about current finances through our easy EMI options.

 

Discounts & Offers

We understand how important our finances post-retirement is, so here we come with numerous discounts such as a multi-year policy, Smart Select, and many more.

 

Second Opinion

Not sure about your current treatment procedures? Worry not! We get you covered to avail a second opinion from other doctors for a specified illness.

 

Organ Donor Cover

We respect and encourage the noble cause of donating organs. Our senior citizen insurance covers expenses for organ harvesting operations.

Why is Senior Citizen Health Insurance Plan Important?

Healthcare cost in India is increasing at a rate of more than 14% every year. Therefore, the need for adequate health insurance for senior citizens in India has increased after retirement. Know why elderly people must have medical cover:

  • Rising Medical Treatment Costs: The cost of medical treatment in India is always on the rise. Best medical insurance for senior citizens can ensure that the expenses incurred due to hospitalisation or frequent medical visits at old age do not impact your finances and help you beat medical inflation.

  • Critical Medical Needs: Avail of timely treatment for your heart, kidney, and other critical diseases without worrying about borrowing funds from your savings.

  • Day Care Treatments: Old age involves a lot of hospital visits caused by uninvited ailments. A senior citizen health insurance in India covers 541 Day Care treatments that require hospitalization for less than 24 hours.

  • Burdening Extra Costs: Miscellaneous expenses like pharmacy bills, OPD-care, and ambulance charges, among others, amount to much more than expected. With our best senior citizen mediclaim policy, you get add-on coverage for miscellaneous costs.

  • Vital Health Check-ups: While you should never avoid regular health check-ups in old age, high healthcare costs may hold you back from availing of good treatment. The Care Senior plan covers annual health check-ups for all insured members to keep regular track of health.

  • Pre-Existing Diseases: You can rely on our shoulders to cover all your pre-existing diseases subject to the terms and conditions of the policy.

Quick Tip: Worried about health plan with Pre-existing diseases? Don’t worry. Our Care Freedom plan will protect you to stay stress-free.

What is Covered Under Senior Citizen Mediclaim Policy?

Medical expenditures are shooting high for elderly people across nations. Opting for medical policy for senior citizen is best to keep unbearable medical expenses at bay. Below is what we covered in it:

 

Coronavirus Treatment

Senior citizens need not worry about unexpected expenses arising out of coronavirus ailment. We offer complete coverage for COVID-19 treatment costs.

 

In-Patient Hospitalisation

In times of hospitalization, we are right beside you. We pay for most of the hospitalization expenses, that is, for at least 24 hours.

 

Pre and Post-Hospitalisation

Health issues in old age increase the frequency of medical visits. Don’t worry! We also cover 30 days before and 60 days after hospitalization expenses.

 

Annual Health Check-up

We offer annual health check-ups at no additional cost to senior citizens. It helps to keep a better track of your or your elderly parent’s health condition.

 

Daycare Treatments

Thanks to medical advancement! Now elders can easily avail of over 541+ daycare procedures under our mediclaim for senior citizens.

 

AYUSH Coverage

Coverage of alternative treatments like AYUSH (Ayurveda, Unani, Sidha, and Homeopathy) makes Care health senior mediclaim the best option for senior citizens.

 

Domiciliary Hospitalization

We believe in offering the best possible services even at your home. Avail required treatment at home if the patient is unable to move to the hospital. The expenses are covered.

 

Ambulance Cover

You will get full reimbursement for the expenses incurred for availing of a domestic road ambulance during any medical emergency.

Please always refer to the updated policy T & C, brochure, and prospectus to know more about our health insurance plans for senior citizens cover as they may vary.

What is Not Covered Under Senior Citizen Health Insurance Scheme?

While deciding which mediclaim policies for senior citizens are ideal, you must be aware of what is not covered under your plan, as lesser the exclusions, better it is. Here's a list of exclusions under the best senior citizen health insurance-

  • Self-Inflicted Injury: Expenses attributable to self-inflicted injury such as suicide, attempted suicide, etc. are not covered.

  • Injuries Due to Consumption of Alcohol: Expenses arising out of or attributable to consumption of a drug or use/misuse/abuse of alcohol/tobacco/gutka or any hallucinating drug are excluded.

  • Pregnancy Treatment: Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion, and its consequences is not covered.

  • Infertility Treatment: Tests and treatments related to infertility and in vitro fertilization cannot be claimed.

  • Permanent Exclusions: War, riot, strike, and nuclear weapons-induced hospitalization are considered as permanent exclusions.

  • Dental/ Cosmetic Surgery: Most health insurance for senior citizens does not cover the cost for treatment for any dental problems or cosmetic surgeries that are not caused due to an accident.

Eligibility for Mediclaim Policy for Senior Citizens

At Care, availing of a mediclaim policy for senior citizens above 60 years comes with easy terms and eligibility conditions as mentioned below:

Minimum Entry Age 61 years
Maximum Entry Age Lifelong, no bar
Renewability Lifelong
Co-payment Member above 61 years or above pay 20% co-payment per claim
Pre-existing Disease Waiting Period 48 months of continued coverage
Named Ailment Waiting Period 24 months of continued coverage

Does Your Senior Citizen Health Insurance Cover COVID-19?

Senior citizens can buy themselves a health insurance cover combined with our coronavirus-exclusive insurance covers- COVID and OPD care. As separate, pocket-size insurance, COVID and OPD care cover COVID-19 treatment expenses, including pre and post-hospitalization, day-care treatment, quarantine expenses, and OPD reimbursement.

We offer COVID-19 coverage as an additional plan that can easily be bought with senior citizen medical insurance at a slightly higher premium. Below are the benefits of Care insurance two COVID-specific offerings:

COVID Care with Pre-existing Diseases & COVID Care with OPD

COVID Care & OPD Care Coverage COVID Care Benefits OPD Care Benefits
Reimbursement of OPD Charges Not Availaible Expenses for doctor's consultation, diagnosis, and pharmacy under COVID-related treatment
In-patient Care Hospitalization expenses for COVID-related treatment over 24 hours or more Hospitalization expenses for COVID-related treatment over 24 hours or more
Day Care Treatment Hospitalization expenses for COVID-related treatment under 24 hours or less Hospitalization expenses for COVID-related treatment under 24 hours or less
Reimbursement of Quarantine Maximum up to 1% of sum insured for as long as 30 days Maximum up to 1% of sum insured for as long as 30 days
Pre and Post-Hospitalization Expense reimbursement for 30 days prior and 60 days post-hospitalization Expense reimbursement for 30 days prior and 60 days post-hospitalization

How to File a Claim Under Health Insurance Policy for Senior Citizens?

STEP  1

 

Emergency

Intimate within 24 hours of your hospitalization

 

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization

or

STEP   2

 

Cashless

Request for pre-authorization

 

Reimbursement

Claim form submission

Complete the pre-authorization form available
at the hospitals' insurance/TPA Desk and send us through fax.

 

Approval

Approval letter sent by the claim management team

 

Query

Hospital/Insured to respond to the query raised by the claim management team

 

Rejected

You may initiate the treatment and file for reimbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions

 

Approval

Approval letter sent by the claim management team

 

Query

Insured to respond to the query raised by the claim management team

 

Rejected

We will communicate the reason in case of rejection

Tax Benefits under Medical Insurance for Senior Citizens

Did you know that senior citizen insurance plans in India are not just meant to safeguard your finances but also help you save tax? Here's the good news! You can save up to ₹ 1,00,000.~ on tax with Care Health Insurance Senior Health plan.

Tax benefit under section 80D applies to all those with a health insurance plan. Insurers offering this plan can help you save up to Rs 100000 on your taxable income. The more you pay as taxes, the more you save. Depending on the amount of sum insured.

~ If the proposer and the insured member are above 60 years.

How to Choose the Best Health Insurance for Senior Citizens in India?

With the multiple options available in the market, choosing the best health insurance plan for senior citizens in 2022 can be tedious. Having said that, we’ve compiled a list of important things to consider while looking for a senior citizen mediclaim policy. Here you go:

  • Study the Policy’s Coverage: A plan with maximum coverage and minimum exclusion is considered to be the ideal insurance for senior citizens. We offer the perfect health plans for senior citizens offering comprehensive coverage for pre and post-hospitalization, day-care treatments, annual health check-ups, second opinions, AYUSH treatments, and many more benefits.

  • Check for High Sum Insured: If medical expenses are increasing, it is only logical that you need a higher sum insured that would lower your dependence on your savings. However, make sure that the best mediclaim policy for senior citizens offers an affordable premium while providing maximum coverage.

  • Look for Easy Claim Settlement: While comparing health insurance plans for senior citizens helps, you would also know how different insurance companies settle insurance claims. This will get you closer to your goal of choosing the best insurer. Opting for an insurer with a high claim settlement ratio is a logical move.

  • Check the Waiting Period: Go through the policy to understand the waiting period applicable for pre-existing illnesses and specified diseases. Almost all senior citizens' health insurance plans in India come with a waiting period, but you can find the perfect plan with a minimum waiting period.

  • Pre-Medical Check-Ups: Some plans do not let you go through the time-consuming process of going through pre-medical check-ups. So, compare and select health insurance for senior citizens above 60 years without medical tests, where your elderly parents need not go through complex pre-medical health check-ups.

  • Know Your Network Hospitals: With the cashless treatment facility, your elderly parents can stay relaxed that will have access to timely medical care when they need it. Check the network hospitals in your vicinity and pick a plan only after comparing the list of network hospitals.

  • Convenience and Ease of Purchase: You or your elderly parents do not need to go anywhere and can buy a policy online with a few clicks. Read the features, benefits, coverage, claim process, and policy T & C on Care Insurance website or download the brochure to get every detail about the plan. With us, the process buying medical policy for senior citizen is quick and easy.

  • COVID-19 Coverage: It is beneficial to opt for covid insurance coverage coupled with senior citizen insurance. The policy will pay the insured member for coronavirus hospitalization medical expenses up to the specified limit.

  • Verify Sub-limits: It is the limit placed by the insurance company on the health insurance claim. It is usually applicable to services such as room rent, ambulance charges, and certain medical procedures.

  • No Claim Bonus: Ensure that you choose the best senior citizen mediclaim policy that offers an option to get up to a 150% increase in Sum Insured with the No Claim Bonus Super option. You don’t get any deduction on the premium rather, you get an increase in the sum insured. That’s the best for senior citizen.

  • Check for Cashless Healthcare Providers: With the cashless health insurance facility, your elderly parents can stay relaxed that they will have access to timely medical care when they need it. We have 24,800+ cashless healthcare providers across the country to ensure you can access good health in your location.

Why Select Senior Citizen Insurance Online with Us?

claim process claim process

Why Should You Compare Senior Citizen Health Plans Online?

Online comparison of health insurance for senior citizens India comes with multiple benefits. Here's how online comparison of senior citizen mediclaims covers helps you:

  • Simplifies Policy Evaluation: At Care Health Insurance, we channel clear communication of all the policy terms across our website. While analyzing our medical plans for a senior citizen's medical treatment, you can find a precise description of covered expenses and benefits that makes the policy terms easier to understand.

  • Makes Decision-making Convenient: Digital comparison helps you choose the best senior citizen health insurance from the comfort of your place. Also, at Care Insurance, we facilitate a digital premium calculator to help you estimate the approximate cost of older people's medical cover while customizing your plan basis on members and add-on benefits.

  • Helps You Choose the Perfect Cover: Another benefit of comparing health plans online is the freedom to relook at the policy details anytime, anywhere. With absolute online transparency, Care Health insurance equips you with every policy detail from issuance to claim settlement, so that you can better select the right medical cover for your senior citizen parents.

  • Cost-Effectiveness:By comparing health insurance for seniors online, you will be able to find the most competitively priced plan that suits your specific needs. Most of the details of the plan are laid out in an easy-to-read format, which ensures that you do not overpay for features that you do not need.

  • Access to Review and Ratings:When you research health insurance for seniors online, you get easy access to reviews and ratings by customers. These reviews can help you gauge the level of customer satisfaction and the quality of the service offered by the company.

Myths About Senior Citizen Health Insurance Scheme

The quality of an elderly member's life improves after investing in a suitable health cover that shares the hospitalization burden on time. So, here are 4 myths that you must be wary of while considering senior citizen mediclaim:

  • You are Too Old to Get Covered- With Care Health Insurance, there's no maximum entry age bar to get yourself insured under senior citizen plans. Elderly members from 61 years and anything above can get senior citizen medical coverage. So, this myth is addressed well here.

  • Life is Over after 60- With a consistently dropping life expectancy rate and spread of unknown diseases, people underrate an elderly's willpower to live. Instead of surrounding older people with fears of death, gift your parents the happiness of the second inning with a senior citizen health policy.Proper coverage is therefore much required for seniors.

  • Senior Citizen Health Insurance is Expensive- Another common misconception is that senior health plans are expensive. While yes, these plans do come with a cost, you need to know that this cost will be way less than any treatment costs that they may have to undergo. Proper financial planning and easy EMI options can make buying health insurance for senior citizens well within the budget.

  • Co-payment Charges Increase the Burden- With Care Health Insurance, senior citizens must bear only 20% of the medical claim as co-payment. However, we try to lessen this cost with an add-on benefit of a co-payment waiver under which senior citizens will get completely rid of the co-payment clause.

  • My Parents Suffer from an Illness, so They can’t Get Senior Citizen Health Insurance- A number of seniors suffer from some sort of medical issue. This does not imply that they are ineligible to buy a health insurance plan. Most health plans will offer coverage for numerous pre-existing illnesses once the waiting period is completed.

  • OPD Visits are Not Covered- A complete myth! Under our senior citizen health insurance in India, you can enhance your senior citizen cover with OPD care as an optional OPD benefit. It covers reimbursement of OPD bills ranging from Rs. 5,000 to Rs. 50,000 as per the policy terms

  • A Family Floater is Sufficient- While you can cover your parents or other family members under your existing family floater health insurance plan, sadly, it isn’t sufficient. In a family floater policy, the sum insured has to be shared amongst all the covered members. In case one member uses a part of the coverage or the whole of it, the remaining members might not be able to make use of the policy benefits.

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Look for best health plan that suits your need!

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Health Insurance for Senior Citizens

Your Parents have always care for you, Now its your TURN

  • No Pre-policy medical check-up
  • Annual Health check-up for all insured persons
Preffered
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Pre-Existing Diseases Cover

Health Insurance for Diabetes, High BMI and Hypertension

  • Dialysis Cover 
  • Day Care Treatments
Preffered
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Family Health Insurance

Health Insurance that Covers your Loved Ones

  • Annual Health Checkup & Save Tax 
  • Modern Treatments Coverage

Voice Of Customer

NA
Nabi Ahmed December 19, 2023
Care Senior
5

Happy with service

I am very happy with the claim team especially Mr. Fahad. Claim easily approve krwa diya aur reimbursement bhi 10 din mein aagya.
KD
Kamlesh Devi December 18, 2023
Care Senior
5

Nice work

I rate my experience above good. The enthusiasm of the team and especially Mr. Duggal made my process quick and hasslefree. I would now recommend this plan my heart for standing beside and making my second innings life easy.
DG
Deepanjali Gurjar December 18, 2023
Care Senior
2

Could not find network hospital.

My mother needed hospitalisation due to dengue but i could not find network hospital near me.
PM
Parwana Maqsud December 17, 2023
Care Senior
4

satisfied response

Had a good experience with claim team. Claim easily approve krwa diya aur reimbursement bhi 10 din mein aagya.
DP
Deerika Prasad December 15, 2023
Care Senior
3

Difficult Claim Process

I spent too much time on hold before being able to speak with someone. then i had to represent a lot of document for my fathers claim. so tiring
CS
Chandu Singh December 01, 2023
Care Senior
5

Reliable partner

After 25 years of my job today I feel lucky ... I have Care senior plan to look after my health issues. Recently I raised claim for my knee replacement they initiated swiftly and settled my claim. And now i get to know I took the right decision to buy this plan.
HP
Harindra Pal December 01, 2023
Care Senior
4

Helpful team

Recently i had visited Green park branch of Care. Very systematic work culture and helping nature of claim team. Well i had some doubts in the claim process. The assistance carefully guided me on every clause and satisfied my queries. I will now recomend all my youngold buddies on buy care senior plan only.
SS
S.K Shah December 01, 2023
Care Senior
5

Nice experience and excellent process

I am truly satisfied with the excellent customer service experience from Care Health. Team is very very supportive and friendly.... I got no catches in getting my claim accepted. Very good.
RG
Rohit Gupta December 01, 2023
Care Senior
5

Best choice

Insurance ke liye care health insurance best choice hai. Company ke log aur inki service bahut achhi hai. Aur Insurance plan v achhe hai jise log apne according kharid sakte hain.
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

Awarded

Awarded as Best
Health Insurance Company of the year^

claims-paid

48 LAKH+ Claims Settled*

cashless-claim

24800+
CASHLESS HEALTHCARE PROVIDERS^^

^India Insurance Summit & Awards 2023

FAQs on Senior Citizens Health Insurance

Q. How many members can be covered under the senior citizen insurance plan?

Under a senior citizen insurance policy, one member can be covered. So, anyone above the age of 60 years can go for this plan. There is no upper limit of age for a senior citizen health plan.

Q. What are the recent rules and Regulations of IRDAI on government Senior Citizens Health Insurance Plans?

The IRDAI will soon issue guidelines to health insurance companies to offer standard health insurance products to seniors, who are often refused coverage due to their age. These standard plans will have a fixed set of exclusions and a specific waiting period.

Q.How To Compare Senior Citizen Health Insurance Plans?

If you are struggling to pick the best senior citizen health insurance plan, you may compare a few of the shortlisted plans. Make a list of the features you want in a senior citizen health plan and then compare various plans to finalise the best one.

Q. How to select the best health insurance plan for people above 60?

There are a few things that you must look for when purchasing a senior citizen health insurance plan. The right coverage is a must. Try to go for a higher coverage since the need for medical treatment increases with age. With a higher number of network hospitals, you will have a higher chance to avail cashless claims. For instance, Care Health Insurance offers more than 24,800+ cashless hospitals. Apart from these, you may choose a plan that offers the flexibility of premium payment, covers pre-existing illness and has a low waiting period.

Q. Why is it important to have health insurance for elders and senior citizens?

The Care Senior Health Insurance plan is specially designed for elderly people who are above 60 years. It provides cashless hospitalization, day-care expenses, no claim bonus, coverage for pre-existing diseases, and annual health check-ups. It is also beneficial for retired people to maintain good health without financial stress.

Q. Why Medical Insurance Coverage is required for Senior Citizens?

For senior citizens who rely on their pension savings or interest income in order to meet their regular expenses, a medical exigency without the support of health insurance can lead to a financial burden. Besides, health care costs are on the rise in India. Moreover, senior citizens are people who need timely and quality health care the most, owing to age-related illnesses. Opting for Senior Citizen Medical Insurance coverage provides them with a financial cushion and helps them lead a stress-free life.

Q. What is the Maximum Age to avail senior citizen mediclaim by Care Health Insurance?

There is no upper age limit to avail our senior citizens medical insurance. Anyone over the age of 60 years, can apply for the senior mediclaim policy.

Q.Can I get Senior Citizen Health Insurance plan if I am over 65?

As per IRDA guidelines, one is eligible to get individual or family floater health insurance for senior citizens above 65 years of age. There is also the option of lifetime renewability. However, it is recommended to buy the senior citizen insurance plan at an early stage of life.

Q. How to Calculate the premium for senior citizen parents health insurance?

Premium is a pre-decided amount of money that Senior Citizen or policy taker has to pay as a health premium after a specified period, against the coverage. The amount of premium is subjected to age, sum insured, no of insured persons, pre-existing diseases, and policy terms & conditions.

Q. Can I Buy a Senior Citizen Health Insurance Plan without a Medical check-up?

Yes, you can buy our senior citizen plan without a pre-policy medical check-up. However, in the case of a pre-existing disease or any other adverse medical history, some under-writer may request few medical tests.

Q. Why do Senior Citizens need Health Insurance?

After retirement elderly people are left with limited fixed income. They either depend on their savings or on their children for health care costs. Moreover, old age is the time when one is more susceptible to various illnesses. Sometimes, the possibility of hospitalization due to any pre-existing conditions also becomes high. Keeping these points in view, opting for senior citizen healthcare insurance becomes a necessity. It paves the way to secure the future by covering unexpected medical costs and eliminates financial crises.

Q. Does the Senior Citizen Policy Cover Pre-existing Conditions?

Pre-existing conditions mean the illness, injury or other condition that existed before the issuance of the policy. Yes, the health insurance policy for senior citizens covers pre-existing conditions but after a 4-year waiting period.

Q.What are the Advantages of Continuing health insurance for senior citizens?

The continuation of senior citizen insurance policy helps senior citizens to enjoy lifelong coverage break-free, get no claim bonus for every claim-free year, and tax benefits u/s 80D.Renewing your health insurance on time will also give you the peace of mind that in case of a medical emergency, your expenses will be taken care of.

Q. Does health insurance for seniors cover mental health treatment?

As the awareness of mental health problems increases, more insurers are beginning to include cover for mental health care. This varies according to the insurer you choose, so it is important to confirm the same with the provider.

Q.What should I look for in health insurance for seniors regarding network hospitals?

You should always look for health insurance for seniors with network hospitals that have facilities specialising in elder care. Opting for hospitals with cashless treatment can also help greatly.

Q.Who will pay for the pre-insurance medical checkups and where it will be conducted?

In most cases, it is not mandatory to go for a pre-policy medical checkup is required to buy senior citizen insurance. However, it depends on the underwriter's discretion.

Q.Should I submit claim documents to TPA or insurance company?

You need to submit the claim documents to the insurance company. However, the TPA can also accept the document and then share it with the insurer to get the claim approved.

Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

**Number of Claims Settled as of 31st March 2024

^^Number of Cashless Healthcare Providers as of 31st March 2024

^10% discount is applicable for a 3-year policy

*At the discretion of underwriter.

#Tax Benefits under the policy will be as per the prevailing Income Tax laws and are subject to amendments from time to time.

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