Senior Citizen Health Insurance is a tailored solution designed to meet the unique medical requirements of those aged 60 and above. It's a shield against age-related health concerns, offering coverage for chronic illnesses to small treatments, mobility issues and potential long-term care needs.

Many Employers don't give Parents cover or have a small Sum assured cover. Let's break down the essential features that make Senior Citizen Health Insurance a must-have for all Seniors :

1. Pre-Existing Conditions 

Senior Citizen Plans offer coverage for certain pre-existing medical conditions like High BP, high Diabetics and high BMI after a waiting period. It's crucial to review the details of pre-existing conditions coverage to ensure comprehensive protection.

2. Named Ailments Cover

With age named ailments like Eye Cataract, Knee Cap Surgery, Urinary Tract Infections, Piles, Stones etc are very common. Look at a plan that covers these with adequate amounts. These named ailments are covered after 2 years of waiting.

3. Co-Payments 

Senior Citizen Policies include a co-payment clause, where the insured individual pays a percentage of medical costs. This makes premiums affordable since there is a claim amount sharing. One can buy back the co-pay percentage by paying additional premium so that it doesn’t pinch during an unforeseen claim.

4. OPD - Outpatient Expenses 

Outpatient expenses primarily cover Doctor consultations, Pathology Lab Tests and Pharmacies which doesn’t require hospitalization. These expenses can be a burden as these costs are rising with medical inflation. So adding OPD cover is always beneficial in Senior Citizen’s Health Plan

5. No Pre medical check ups

With today's digital landscape we don't need Senior citizens to go to a diagnostic center to do their medical check ups. The medical underwriting is done with recorded calls and whatsapp chats. This is very handy as it saves them trouble of going out of home.

6. Organ donors cover

The Senior Citizen plan covers expenses related with organ donors and its harvesting operation. This covers your burdening your extra costs during surgeries like liver transplants or kidney transplants. 

7. Ayush Covers 

Alternate treatments under Ayush (Ayurveda, Unani, Sidha and Homeopathy) are included in Senior Citizen plans and this helps in their traditional treatments. 

8. Lifelong Renewal

Imagine having medical coverage for their entire lifespan — now these plans offer lifetime renewability. This means peace of mind, knowing they are protected no matter what life throws your way.

Conclusion: A Shield for Your Golden Years

In conclusion, Senior Citizen Health Insurance a shield against the uncertainties of aging. By understanding its key features you can make an informed choice for their well-being. As they navigate the golden years of their life, let Senior Citizen Health Insurance be their steadfast companion, ensuring a healthier, happier retirement living.