ChetanChiparikar
KF Rookie
Hi,
Please suggest best health insurance for senior citizens.
Please suggest best health insurance for senior citizens.
Senior citizen Health Insurance
- Thread starter ChetanChiparikar
- Start date
zacobite
KF Mentor
IRDA has just announced some chgs.. there will be new plans coming soon.. but will be expensive.. all cos have gd senior insurance plans now.. chk absli, star, care & hdfc ergo for specific plans,
Tusharbhoyar
KF Rookie
I recently bought Niva Bupa for my parents with coverage of 5 lakh with yearly premium of around 75k including GST. Please be aware that policy amount will be calculated as per oldest person in family. I bought for my father (62) and mother (52) so, premium calculation as per father's age. Then they'll ask you to pay around 65k. Once you paid the amount, their doctor will call you to register past medical record and ongoing disease over a call. Upon submission medical history, they'll come up with updated additional charge (my case- 20k) but Axis Bank executive help me to get it in around 10k (this is possible) and finally I paid 75k to get parents health insurance.
Try to inquire directly with Niba bupa company followed by Axis Bank.
Advantages:
1. Bed rent - no upper capping on private room
2. Covers Hospitalisation for 2 hours or more
(Minimum 24 hours for AYUSH Hospitals)
3. Sum assured renewal- if you won't use any amount then It'll keep on additing until sum assured becomes 10x
4. If you use all 5 lakh then again it will be auto recharge in same year.
5. Lock in premium- premium won't change while renewal.
Hope it helps!
Try to inquire directly with Niba bupa company followed by Axis Bank.
Advantages:
1. Bed rent - no upper capping on private room
2. Covers Hospitalisation for 2 hours or more
(Minimum 24 hours for AYUSH Hospitals)
3. Sum assured renewal- if you won't use any amount then It'll keep on additing until sum assured becomes 10x
4. If you use all 5 lakh then again it will be auto recharge in same year.
5. Lock in premium- premium won't change while renewal.
Hope it helps!
zacobite
KF Mentor
niva bupa service is quite terrible.. personal experience
.best product design and worst service.. v unreliable.. i am also looking for alternatives
soubhagya28
KF Rookie
I have also have star family optima insurance plan from 2017 of my parents and me . I have also good experience of them .
A
aashish111
Guest
I’ve been following this thread and wanted to share a personal experience, especially since senior citizen health insurance can feel overwhelming.
When I was helping my parents look for a plan, the biggest challenge wasn’t price alone — it was understanding what would actually work at their age. Many policies looked fine on paper but had room rent limits, disease-wise caps, or conditions that only became clear later. For seniors, those small clauses matter a lot because claims tend to be larger and more frequent.
What helped me was running their existing policy through BimaScore and Bima Analyze. It didn’t ask for document uploads — just basic inputs — and gave a clarity score (400–1000) based on real-world factors like age, location, insurer behavior, and coverage structure. It honestly showed where the policy was weak, which helped us plan better, including adding a super top-up instead of replacing everything.
If anyone here feels unsure about their parents’ coverage, quietly checking your policy health here might help:
https://bimascore.com/a8lmv6
When I was helping my parents look for a plan, the biggest challenge wasn’t price alone — it was understanding what would actually work at their age. Many policies looked fine on paper but had room rent limits, disease-wise caps, or conditions that only became clear later. For seniors, those small clauses matter a lot because claims tend to be larger and more frequent.
What helped me was running their existing policy through BimaScore and Bima Analyze. It didn’t ask for document uploads — just basic inputs — and gave a clarity score (400–1000) based on real-world factors like age, location, insurer behavior, and coverage structure. It honestly showed where the policy was weak, which helped us plan better, including adding a super top-up instead of replacing everything.
If anyone here feels unsure about their parents’ coverage, quietly checking your policy health here might help:
https://bimascore.com/a8lmv6