How to Choose the Best Health Insurance for Senior Citizens

How to Choose the Best Health Insurance for Senior Citizens


Selecting the best health insurance for senior citizens is unexpectedly daunting task. The number of medical insurance plans for senior citizens has grown plan vastly over the years. This makes the process of comparing and selecting plans overwhelming.

Here are four ways to simplify the task of selecting the best health insurance plan for senior citizens:

  1. Entry Age

    This is the most critical feature of a seniors’ medical insurance plan. Since the best features will be of little use if you cannot avail the health insurance plan in the first place because of your advanced age. Many insurers, particularly in the public sector, offer mediclaim for senior citizens between the 60-80 years category.

    Certain insurers offer health insurance policies with no maximum entry age. Unlike other health insurance policies for senior citizens, these policies are for all individuals, including senior citizens.

    The best health insurance plan is the one that allows entry even at an advanced age. Go for the one that offers the longest coverage tenure – entry at an advanced age with medical cover that continues up to a longer period of time.

  2. Renewal Age

    Renewal age is the age / time till which the insured can renew the medical policy. For instance, a senior citizens health insurance plan may allow renewal only upto the age of 80 years, after which the policy will not be renewed. The renewal age limit varies across insurers so it’s best to check before selecting a mediclaim plan.

  3. Coverage

    Make sure the health insurance for senior citizens offers coverage against a larger number of illnesses, particularly critical Illnesses, since they are more common at an advanced age. Look particularly for illnesses and medical conditions common in the family, like diabetes or cancer for instance. Also, review the terms and conditions related to exceptions –

  4. Hospital Network

    Your mediclaim policy must have a broad network of hospitals and should particularly include the better ones in your neighbourhood. When senior citizens have to be admitted in an emergency it helps to have access to the best hospitals in the vicinity. It is therefore important to go for a health insurance plan for senior citizens with a wider network of hospitals specializing in a range of treatments.

  5. Premiums

    Medical insurance for senior citizens does not come cheap as risk levels are higher for this category and companies charge premiums accordingly. For all the criteria listed here – entry age, coverage and hospital network, go for the senior citizen health insurance plan with the lower premiums.




Presented by :

Category : Family Health Insurance

*premium Amount for Male, 35 yrs, 10 year term, Silver option, including tax.
HDFC Standard Life Insurance Company Limited.

Insurance is the subject matter of the solicitation. For more details on risk factors, associated terms and conditions and exclusions please read the product brochure before concluding a sale. HDFC Life Health Assure Plan (Form No. P501-105, UIN: 101N087V01) is the name of traditional health plan offered by HDFC Life. HDFC Standard Life Insurance Company Limited is only the name of the Insurance Company, HDFC Life is only the name of the brand and HDFC Life Health Assure Plan is only the name of the product. The name of the company, name of the brand and the name of the product does not in any way indicate the quality of the contract, its future prospects or returns. HDFC Standard Life Insurance Company Ltd. IRDAI Reg No. : 101. ARN: MC/03/2015/6186.
CIN: U99999MH2000PLC128245. Tax benefits are subject to change in tax laws.

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HDFC Standard Life Insurance Company Ltd.
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N.M. Joshi Marg, Mahalaxmi
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