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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
Cashless Healthcare Providers^^
38 Lakh+
Insurance Claims Settled**
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What is Senior Citizen Health Insurance?

Senior citizen health insurance is a type of insurance that covers the healthcare needs of people over the age of 60. We at Care Health Insurance understand old age is equivalent to relaxed days. However, it also invites worries regarding the health and well-being of older ones. To overcome old age fears, 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 an affordable premium 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 CHIL's 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.

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 CHIL's 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?




Intimate within 24 hours of your hospitalization


Planned Hospitalization

Intimate us 48 hours prior to your hospitalization


STEP   2



Request for pre-authorization



Claim form submission

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



Approval letter sent by the claim management team



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



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 letter sent by the claim management team



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



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 CHIL's 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 CHIL’s 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 22,900+ 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 CHIL, 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, CHIL 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.

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.

  • Co-payment Charges Increase the Burden- With CHIL, 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.

  • 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

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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
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Pre-Existing Diseases Cover

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  • Dialysis Cover 
  • Day Care Treatments
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Family Health Insurance

Health Insurance that Covers your Loved Ones

  • Annual Health Checkup & Save Tax 
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FAQs on Senior Citizens Health Insurance

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 CHIL?

There is no upper age limit to avail our senior citizens medical insurance.

Q.Can I get senior citizen insurance 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.

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

No 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.

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 May 2023

^^Number of Cashless Healthcare Providers as of 30th June 2023.

^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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