Health insurance for senior citizens
Health cover for parents over 60, explained patiently and face to face if you prefer.
- Plans that accept existing conditions like diabetes and BP
- Minimal paperwork, with help at our office
- Cashless hospitals near you
Who needs senior citizen health insurance?
Anyone over 60, and children buying for their parents. Medical costs rise with age, and many insurers load premiums or ask for health checks. We compare plans that suit older customers and explain every condition in simple language, in person if you prefer.
- Retired pensioners with no employer cover
- Parents with diabetes, BP or thyroid
- Children buying cover for their parents
Types of cover
Senior citizen plans
Designed for ages 60 and above, often with shorter waiting periods for age-related illness.
Plans with co-payment
You pay a share (e.g. 10 to 20%) of each claim, for a lower premium.
Super top-up for seniors
Adds cover above an existing policy at a low cost.
What is covered, and what is not
Every policy has limits. We explain them upfront so there are no surprises at claim time. Exact cover depends on the insurer and plan you choose.
Usually covered
- Hospitalisation and day-care procedures
- Pre-existing illnesses after the waiting period
- Cataract, knee replacement and other common procedures (after waiting periods)
- Ambulance and domiciliary treatment in many plans
Usually not covered
- Pre-existing illnesses during the waiting period
- Co-payment share, where the plan has one
- OPD visits, unless included
- Treatment outside India
We compare senior citizen health plans from
- HDFC ERGO General Insurance
- Niva Bupa Health Insurance
- ICICI Lombard General Insurance
- Star Health and Allied Insurance
- Aditya Birla Health Insurance
Documents needed
- Age proof
- Recent medical reports and prescriptions
- Pre-policy health check, if the insurer asks (often free)
How claims work
Tell us early
For planned treatment, inform us 3 to 4 days before admission. For emergencies, within 24 hours.
Cashless at network hospitals
Show your health card at the hospital’s insurance desk. The hospital sends a pre-authorisation request to the insurer.
Reimbursement elsewhere
At a non-network hospital, pay the bill and submit the claim form with original bills and reports within the insurer’s time limit.
We follow up
Your advisor tracks the claim with the insurer or TPA and helps with any queries until settlement.
Senior Citizen Health Insurance: frequently asked questions
Is there an age limit to buy health insurance?
Many insurers accept new customers up to 65 or 70, and some have no upper limit. Premiums are higher, so comparing matters more.
Can I visit your office to understand the plan?
Of course. Visit us at Harry Plaza, Subhash Chowk, Sonipat between 10 AM and 6 PM, and bring any medical reports.
Related insurance
Family health
One plan, one renewal date and one sum insured shared by your whole family.
Family Health Insurance
- Cover spouse and children in one plan
- Lower premium than separate policies
- Add parents with a separate plan to protect the family cover
Car
Renew your car insurance at a fair price, keep your No Claim Bonus and get real help when you claim.
Car Insurance
- Quotes from multiple insurers on WhatsApp
- Add-ons like zero depreciation explained simply
- Help with surveyor and garage at claim time
Talk to an advisor about senior citizen health insurance
Get a free comparison from leading insurers, explained in plain language. Online or at our Sonipat office.
Or call 99996 68013 · Monday to Saturday, 10:00 AM to 6:00 PM