Can a 70-year-old buy senior citizen health insurance in India?

Yes! Individuals aged 70 years and above can purchase a dedicated senior citizen health insurance policy. Under IRDAI guidelines, health insurance plans offer lifelong renewability regardless of entry age.

Is a medical test mandatory before buying health insurance after age 60?

Not always. Many senior citizen health insurance plans offer coverage without compulsory pre-policy medical check-ups, depending on the chosen sum insured and health declaration.

Is home-based medical treatment covered under senior citizen health insurance?

Yes. Under domiciliary hospitalisation, treatment received at home is covered if prescribed by a certified medical practitioner because the patient cannot be moved or hospital beds are unavailable.

Is a medical test required for senior insurance?

Medical tests may be required depending on the insurer’s underwriting guidelines and the applicant’s health profile.

Is diabetes covered under senior citizen health insurance?

Yes. Pre-existing conditions like diabetes, hypertension, and asthma are covered after the specified Pre-Existing Disease (PED) waiting period. You can also opt for a Day 1 PED Cover rider to get instant coverage.

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Senior Citizens Health Insurance

Growing older can bring changing healthcare needs and higher medical expenses. Choosing the right health insurance above 60 years can help cover eligible hospitalisation and treatment costs while protecting your savings.

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Written by:

Sejal Singhania

Reviewed by:

Sandeep Desamsetti

Updated on:

27 Aug 2026

Reviewed on:

27 Aug 2026

What is Senior Citizens Health Insurance?

It is a health insurance policy designed for older adults, typically aged 60 years and above. It helps cover eligible medical expenses arising from hospitalisation, treatments, surgeries and other healthcare needs, subject to the policy’s terms and conditions.

Having the right health cover for senior citizens can help protect your family’s savings from rising medical expenses. As people grow older, they may need more frequent medical care. A suitable health insurance plan can help cover eligible expenses for hospitalisation, treatments and surgeries, reducing the financial burden on the family.

As healthcare needs may change with age, families looking for health insurance above 70 years should also check important factors such as co-payment, waiting periods, pre-existing disease coverage, exclusions and medical requirements before buying a policy.

Why Health Insurance Becomes Essential After 60

Turning 60 marks a peaceful, well-deserved retirement, a time to enjoy life without workplace stress. But it’s also the phase where our body demands extra care. Having dedicated senior citizen health insurance ensures that healthcare worries never cloud your golden years or affect your family’s happiness.

Protect Your Hard-Earned Life Savings: You’ve spent decades building your retirement life. Insurance absorbs steep hospital bills and surgery costs, ensuring your savings stay safe for your future.
Immediate Care for Everyday Health Needs: Managing BP, diabetes, or joint pain shouldn't involve long waits. Senior plans cover pre-existing conditions with shorter waiting periods, giving your parents timely, quality treatment.
Coverage Beyond Standard Hospital Stays: From quick daycare procedures like cataract surgery to receiving medical care right at home (domiciliary care) when moving is difficult, modern policies cover what older adults actually need.
Complete Financial Self-Reliance: Parents deserve complete dignity in their health choices. Dedicated coverage gives elderly parents the freedom to get the best care on their own terms without relying financially on their children.
Cashless Peace of Mind & Tax Benefits:
• Cashless Treatment: Walk into top 22,100 network healthcare providers hassle-free, plus enjoy annual free health check-ups.
• Tax Benefits: Save up to ₹50,000 yearly on tax deductions under Section 80D on premiums paid for senior parents.

Find the Right Senior Citizen Health Insurance Plans

As a top provider, we offer the best health insurance policy for senior citizens ensuring optimum coverage with flexibility, such as health insurance for senior citizens on monthly EMI. Here are some options:

Ultimate Care Senior Comprehensive Senior Plan
Care Supreme Senior Advanced Senior Coverage
Care Freedom Coverage for Pre-existing Conditions
Care Supreme Shine Holistic Wellness & Care

Ultimate Care Senior

50% increase in SI on every renewal (max up to 100%)
Automatic recharge of sum insured
No limit on room rent and ICU charges
100% SI boost after 7 claim-free years

Cover Amount ₹7 Lakh
Starting At ₹19/day^

Premium rates are based on a 60-year-old insured individual selecting the minimum Sum Insured in a Tier 3 location.

What is the Difference Between Senior Citizen Health Insurance & Health Insurance for Parents?

It is common to confuse buying health insurance for parents with buying a dedicated senior citizen health insurance plan, but understanding the difference ensures you choose the right policy:

1. Health Insurance for Parents
- Who it is for: Parents aged between 45 and 59 who are not yet senior citizens.
- Buying Journey: These plans are often added under a family floater policy or bought as standard individual mediclaim policies. They feature lower premiums, standard waiting periods, and usually do not require pre-policy medical check-ups.
2. Senior Citizen Health Insurance
- Who it is for: Elderly parents and individuals aged 60 and above.
- Buying Journey: Because health needs change after 60, these policies are structured as individual senior mediclaim plans. They offer shorter PED waiting periods, and dedicated chronic condition management.

Who Should Buy Senior Citizen Health Insurance?

A medical policy for senior citizens is ideal for:

Anyone aged above 60 , regardless of employment or income status.
Retired individuals who no longer have employer-provided health coverage.
Seniors with lifestyle diseases who need regular medical attention.
Anyone who wants independence from their children or savings for handling medical expenses.

Why Choose Care Health Insurance for Senior Citizens?

Having a comprehensive health cover ensures that your elderly parents receive quality healthcare without financial stress. Below are the key benefits of buying health insurance for parents from Care Health Insurance:

why choose senior citizen health insurance

Instant Access: Explore, compare, and purchase your ideal senior citizen health plan anytime, anywhere, through our seamless digital platform.
24/7 Chat Support: Get your policy questions answered instantly with our round-the-clock chat assistance.
Personalised Premium Calculation: Utilise our digital calculator to customise and estimate premiums for your tailored health insurance.
Secure Online Payments: Enjoy peace of mind with secure payment options and immediate issuance of policy documents.
Transparent Policy Details: Access clear, comprehensive information on all policy terms and conditions for complete transparency.
Valuable Add-on Benefits: Discover extra advantages like reduced waiting periods for pre-existing diseases, No Claim Bonus Super, OPD Care, and more.
Domiciliary Hospitalisation: If moving to a hospital isn't possible due to a severe condition or a lack of available hospital beds, medical treatment expenses received at home (for continuous care usually exceeding 3 days) are covered under your sum insured as per policy schedule.

Benefits of Buying Health Insurance for Senior Citizens

As people age, healthcare needs grow, and so do the expenses. This is where mediclaim for senior citizens plays a crucial role. Here are the key benefits to senior citizens in India that make this plan essential for elderly individuals:

- Covers Pre-existing Illnesses: Our senior citizen health insurance offers reduced waiting periods for conditions like diabetes, hypertension, and cardiac issues. We also provide Day 1 coverage for pre-existing diseases (PED) through Instant Cover Plus.
- Cashless Hospitalisation Across a Wide Network: Get hassle-free admission and treatment at a vast network of hospitals across India, without upfront payments.
- Daycare Coverage: Whether it’s a major surgery or a small daycare procedure, a comprehensive health insurance plan can cover medical expenses such as room rent, ICU charges, and doctor fees.
- Domiciliary Treatment and AYUSH Coverage: Senior citizens can receive treatment from the comfort of their home when hospital transfer isn’t possible, or choose alternate therapy methods like Ayurveda and Homeopathy under AYUSH benefits.
- Annual Health Check-ups: Stay up to date with your health with free preventive check-ups every year, a valuable feature of medical insurance for senior citizens in India for disease management and early detection.

Key Features of Care Senior Citizen Health Insurance

You can choose flexible monthly EMI options to manage health insurance premium costs, select OPD coverage for routine check-ups, and opt for instant PED cover for diabetes and cardiac conditions with instant pre-existing conditions covered under Instant Cover Plus add-on.

Here's a detailed overview of the health cover for senior citizens offered by Care Health Insurance.

Key Features	Description
Plan Offering	Coverage Details
Sum Insured	5L, 7L, 10L, 15L, 20L, 25L, 50L, 1Cr
In-Patient Care	Up to SI
Day Care Treatment	Up to SI
Room Rent	Up to SI
ICU	Up to SI
Advanced Technology Methods	Up to SI
Pre-Hospitalisation Medical Expenses	Up to SI, 60 days before hospitalisation
Post-Hospitalisation Medical Expenses	Up to SI, 90 days after discharge
AYUSH Treatment	Up to SI
Domiciliary Hospitalisation	Up to SI
Organ Donor Cover	Up to SI
Ambulance Cover	Up to SI, any transport mode, like Road or Air Ambulance
Cumulative Bonus	50% of SI per year, max up to 100% of SI
Unlimited Automatic Recharge	Available
Loyalty Boost	2X Base Sum Insured on 7 claim-free policy years
Medi Voucher	2 pharmacy vouchers of Rs. 250
Newborn – Wait Period Benefit	Available
Health Services	Discount Connect – Discounts on services such as consultations, diagnostics, maternity care, and more are available through our network.

Note: The plan's features, coverage, and claims are governed by the policy's terms. Review the brochure, prospectus, and documents thoroughly. This feature relates to Ultimate Care Senior. Check the brochures of other plans for their features.

What is Covered Under Care Health Insurance for Senior Citizens?

Rising healthcare costs can make medical treatment expensive during the later years of life. A senior citizen health insurance plan offers financial protection during medical emergencies, check the coverage and the exclusions for a smoother claim experience.

Covered
Not Covered

Pre-Existing Diseases

We provide specialised health insurance for senior citizens with diabetes, hypertension, arthritis and joint replacement as well as senior citizen health insurance for cardiac patients after the waiting period.

In-Patient Hospitalisation

Get coverage for hospital stays of 24 hours or more. This includes room rent, ICU charges, surgery, doctor fees, and medicines.

Pre and Post-Hospitalisation

We cover medical costs 60 days before and 90 days after your hospitalisation– including tests, follow-ups, and medications.

Annual Health Check-up

Enjoy free yearly check-ups to monitor your health or your parents’ helping catch issues early and manage chronic conditions better.

Daycare Treatments

Thanks to modern medicine, many surgeries no longer require 24-hour hospitalisation. This plan covers 541+ daycare procedures, from cataracts to dialysis.

AYUSH Coverage

Choose holistic healing if you prefer. Treatments under Ayurveda, Unani, Siddha, and Homoeopathy are fully covered under your sum insured.

Domiciliary Hospitalisation

Can’t get to a hospital? No problem. If a doctor prescribes treatment at home, Care covers those expenses just like regular hospitalisation.

Ambulance Cover

Get reimbursed for ambulance charges during medical emergencies, ensuring timely transfers without out-of-pocket costs.

Self-Inflicted Injuries

Any medical expenses arising from self-harm, including suicide attempts or intentional injuries, are not covered.

Substance Abuse

Claims related to the consumption or abuse of alcohol, drugs, tobacco, or gutka are excluded from the policy.

Pregnancy & Maternity

Any treatment linked to pregnancy, childbirth, miscarriage, abortion, or related complications is not covered.

Infertility Treatments

Expenses related to infertility evaluations, IVF, or any assisted reproduction techniques are excluded.

War and Riots

No coverage is provided for conditions resulting from war, riots, nuclear attacks, or civil unrest.

Dental & Cosmetic Procedures

The policy doesn’t cover dental treatments or cosmetic surgeries unless they are required as a result of an accident.

How Much Waiting Period is to be Served Before Filing a Claim?

When you buy a health insurance plan, you can't always claim benefits for every illness from Day 1. The time you have to wait before certain coverage kicks in is called the waiting period. For senior citizen health insurance, understanding these timelines helps you plan care without unexpected out-of-pocket costs:

Initial Waiting Period (30 Days): A standard 30-day waiting period applies to all non-emergency illnesses after policy issuance. Emergency hospitalisations due to accidents are covered from Day 1.
Pre-Existing Disease (PED) Waiting Period: Existing health conditions like diabetes, hypertension, or heart ailments usually carry a waiting period before (typically 36 months) claims are accepted.
Specific Illness Waiting Period: Certain planned procedures, such as joint replacements, cataract surgeries, or hernia treatments often have a set waiting period of 1 to 2 years.

Tip: Don't want to wait? You can choose add-ons like Day 1 PED Cover or Waiting Period Reduction riders to get immediate coverage for chronic conditions right from the first day.

How Does Senior Citizen Health Insurance Differ from Regular Health Insurance?

While standard health insurance is built for younger individuals or families with basic healthcare needs, senior citizen health insurance is custom-designed for adults aged 60 and above who face higher health risks and specialized care requirements.

Feature	Regular Health Insurance	Senior Citizen Health Insurance
Target Age Group	18 to 65 years	60 years and above
Sum Insured Focus	Designed for general hospitalisation and accidents	Higher focus on chronic disease care, ICU stays, and surgeries
Pre-Existing Diseases (PED)	Standard waiting period (2 to 3 years)	Day-1 PED coverage add-ons
Co-Payment Clause	Usually optional or 0% for younger ages	Some policies mandate 10%-20% co-pay

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

Navigating the various senior citizen health insurance options can be challenging. To simplify your search for the ideal mediclaim policy, consider these key factors:

Comprehensive Coverage

Look for extensive benefits with minimal exclusions.

High Sum Insured

Ensure sufficient coverage to protect savings from rising medical costs.

Easy Claim Settlement

Opt for insurers with a strong claim settlement record.

Minimal Waiting Period

Choose plans with shorter waiting periods for pre-existing conditions.

No Pre-Medical Tests

Some policies offer the convenience of no mandatory medical exams.

Extensive Network Hospitals

Prioritize plans with a wide network for cashless treatment.

Easy Online Purchase

Select insurers offering a simple and quick online buying process.

Understand Sub-limits

Be aware of any limitations on specific services.

Attractive No Claim Bonus

Seek plans that boost your Sum Insured with a No Claim Bonus.

Cashless Healthcare

Confirm a broad network of cashless providers for convenience.

Factors Affecting Health Insurance Premium for Senior Citizens

Before you choose your coverage, it’s good to know what influences the premium of senior citizen health insurance in India:

Age & Pre-Existing Health Conditions: The older you are and the more complex your health history, the higher the risk for insurers, which directly affects the premium.
Sum Insured & Optional Benefits: More coverage and more features, such as air ambulance, pharmacy benefits, or AYUSH cover, will increase the premium and also expand the scope of your protection.
City of Residence: Treatment costs vary across metros, semi-urban, and rural regions, and so does the premium. Living in a metro? Expect slightly higher costs compared to non-metros.

Is There a Co-payment in Senior Citizen Health Insurance?

Yes, a policyholder can choose to add co-payment to their insurance plan.

A copay (copayment) in health insurance is the percentage of the claim amount that a policyholder pays out of pocket for every claim. The insurer pays the remaining amount in accordance with the policy terms and conditions. It applies whenever you file for a claim for medical services that require you to pay a fixed percentage of the amount out-of-pocket.

9

How Does it Work?

Copayment in health insurance is calculated by multiplying the total admissible medical expenses by the fixed copay percentage specified in your policy. Here’s the formula:

Co-payment = (Approved Claim Amount × Co-payment %)

Example: 10% co-payment
Hospital bill: ₹1,00,000
Co-payment: 10%
Your share: ₹1,00,000 × 10% = ₹10,000
Insurer will pay: ₹90,000

What Are the Common Myths About Senior Citizen Health Insurance?

Investing in suitable health coverage significantly enhances an elderly person's quality of life by easing the burden of hospitalisation costs. Don't let these common myths deter you from securing a senior citizen mediclaim policy:

Myth	Reality
I'm too old to get health insurance.	Individuals aged 60 years and above can get senior citizen health insurance coverage.
Pre-existing illnesses make me ineligible for health insurance.	Having pre-existing medical conditions does not prevent seniors from purchasing a health insurance plan.
OPD visits are never covered under health insurance.	Optional OPD care is available, offering reimbursement for eligible OPD expenses as per policy terms.
A family floater plan provides enough coverage for senior citizens.	Seniors often have higher healthcare needs, making dedicated coverage a more suitable option than relying solely on a shared sum insured.
Co-payment charges make health insurance expensive.	Co-payment can be reduced with the available co-payment waiver benefit, helping lower out-of-pocket expenses.

Eligibility Requirements for Mediclaim Policy for Senior Citizens

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

Parameters	Details
Minimum Entry Age	• Child: 91 days to 24 years • Adult: 1 adult must be 60 (the second adult’s age can be below 60 years).
Exit Age	Lifelong / Child: 25 years
Cover Type	• Individual: Maximum of 6 persons • Family Floater: Maximum up to 2 Adults, 2 Children
Tenure Options	1 / 2 / 3 Years
Waiting Period	• Initial Waiting Period: 30 days (coverage starts from the 31st day) • Named Ailment Waiting Period: 24 months • Waiting Period due to pre-existing diseases: 36 months
Relationship Covered	Self, spouse/live-in partner/same sex partner, son, daughter, father, mother, mother-in-law, father-in-law, grandfather, grandmother.

Download the terms and conditions of the senior health insurance plan .

Why Choose Care Health Senior Citizen Insurance Plan Online?

Experience a seamless, secure process when you buy your senior citizen health insurance online with us.

Instant Access: Explore, compare, and purchase your ideal senior citizen health plan anytime, anywhere, through our seamless digital platform.
24/7 Chat Support: Get your policy questions answered instantly with our round-the-clock chat assistance.
Personalised Premium Calculation: Utilise our digital calculator to customise and estimate premiums for your tailored health insurance.
Secure Online Payments: Enjoy peace of mind with secure payment options and immediate issuance of policy documents.
Transparent Policy Details: Access clear, comprehensive information on all policy terms and conditions for complete transparency.
Valuable Add-on Benefits: Discover extra advantages like reduced waiting periods for pre-existing diseases, No Claim Bonus Super, OPD Care, and more.
Domiciliary Hospitalisation: If moving to a hospital isn't possible due to a severe condition or a lack of available hospital beds, medical treatment expenses received at home (for continuous care usually exceeding 3 days) are covered under your sum insured as per policy schedule.

How to File a Claim Under a Health Insurance Plan for Senior Citizens

Cashless Claim Process

Find a Network Hospital: Locate an empaneled hospital near you for treatment.
Submit Pre-Authorisation Form: Fill out and submit the form at the hospital's TPA / Insurance desk.
Await Approval & Track: Track status seamlessly via our mobile application.
Direct Settlement: The insurer settles eligible medical expenses directly with the hospital upon discharge.

Reimbursement Claim Process

Receive Treatment: Get treated at any non-network or chosen hospital.
Pay Bills & Collect Records: Pay bills directly and keep all original invoices, receipts, and discharge summaries.
Submit Documents Online: Upload the filled claim form along with required original documents on our official website.
Direct Credit: Once verified and approved, the claim amount is transferred directly to your bank account.

Get to know about health insurance claim process in detail.

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FAQs on Senior Citizens Health Insurance in India

What Do Our Customer Say?

Overall Rating 4.1/5.0

+ Write a Review

JR

James Richard Pinto Care Senior

5

Hospital Cashless payment

After uploading discharge summary and final bill by Sparsh Hospital Infantry Road and with immediate follow up by our Insurance advisor Dr Maria Pramila DSouza we got the Care Health approval in quick time as against we waited for 4 hours earlier situation in another health insurance company. Long live Care Health and Dr Maria

P

Prince Care Senior

4

Fantastic Health Insurance Service

Ive had an excellent experience with this health insurance provider. The customer service is outstanding, always quick to respond and very helpful. Claims are processed fast, and Ive had no issues getting the care I need. I feel confident knowing Im covered, and the whole process has been straightforward. Highly recommend

NA

Nabi Ahmed 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 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 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 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 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

C

Chandu Singh 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 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.

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Editorial Policy: The content is intended to provide general information about health insurance and should not be considered legal, financial, or medical advice. Please refer to the policy documents for complete terms, conditions, and exclusions. Click here to view our editorial policy.

How We Verify Our Data & Metrics

All metrics on this page are verified directly through our internal operational records and IRDAI filings. Our claim counts (74.5+ Lakhs) and network hospital numbers (22,100+) reflect real-time, actively settled cases and empanelment records across India. Starting rates (e.g., ₹9/day) are calculated using base annual premiums for entry-level plans before applicable taxes and individual plan customisations.

^Based on a 60-year-old senior citizen opting for a ₹7 lakh Sum Insured in a Tier 3 location, with Smart Select, Sub-limits, Co-pay, Deductible, and Room Rent Modification selected for 1 year policy tenure.

¹.Based on Care Supreme Senior Super plan for a 61 year old senior citizen opting for a ₹5L Sum Insured in a Tier 3 location for 1 year policy tenure.

².Based on a 60 year old senior citizen opting for a ₹3L Sum Insured in a Tier 3 location for 1 year policy tenure.

³.Based on a 60 year old senior citizen opting for a ₹5L Sum Insured in a Tier 3 location for 1 year policy tenure.

Senior Citizens Health Insurance

Starting at @₹19/day^

What is Senior Citizens Health Insurance?

Why Health Insurance Becomes Essential After 60

Find the Right Senior Citizen Health Insurance Plans

Ultimate Care Senior

Care Supreme Senior

Care Freedom

Care Supreme Shine

What is the Difference Between Senior Citizen Health Insurance & Health Insurance for Parents?

Who Should Buy Senior Citizen Health Insurance?

Why Choose Care Health Insurance for Senior Citizens?

Benefits of Buying Health Insurance for Senior Citizens

Key Features of Care Senior Citizen Health Insurance

What is Covered Under Care Health Insurance for Senior Citizens?

Pre-Existing Diseases

In-Patient Hospitalisation

Pre and Post-Hospitalisation

Annual Health Check-up

Daycare Treatments

AYUSH Coverage

Domiciliary Hospitalisation

Ambulance Cover

Self-Inflicted Injuries

Substance Abuse

Pregnancy & Maternity

Infertility Treatments

War and Riots

Dental & Cosmetic Procedures

Are Age-related Diseases Covered?

How Much Waiting Period is to be Served Before Filing a Claim?

How Does Senior Citizen Health Insurance Differ from Regular Health Insurance?

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

Comprehensive Coverage

High Sum Insured

Easy Claim Settlement

Minimal Waiting Period

No Pre-Medical Tests

Extensive Network Hospitals

Easy Online Purchase

Understand Sub-limits

Attractive No Claim Bonus

Cashless Healthcare

Factors Affecting Health Insurance Premium for Senior Citizens

Is There a Co-payment in Senior Citizen Health Insurance?

How Does it Work?

What Are the Common Myths About Senior Citizen Health Insurance?

Eligibility Requirements for Mediclaim Policy for Senior Citizens

Why Choose Care Health Senior Citizen Insurance Plan Online?

How to File a Claim Under a Health Insurance Plan for Senior Citizens

Cashless Claim Process

Reimbursement Claim Process

22100+ Healthcare providers offering cashless treatment across the country

FAQs on Senior Citizens Health Insurance in India

What Do Our Customer Say?

What do Our Customers Say?

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