Senior citizen Health Insurance

[ChetanChiparikar]

Hi,
Please suggest best health insurance for senior citizens.

 

[zacobite]

Hi,
Please suggest best health insurance for senior citizens.

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,

 

[ShavirB]

These are the few decent ones for Senior Citizens
Care Plus
HDFC my Surakhsa
Niva Bupa Health Companion

 

[Tusharbhoyar]

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!

 

[zacobite]

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!

niva bupa service is quite terrible.. personal experience
.best product design and worst service.. v unreliable.. i am also looking for alternatives

 

[prtraj]

Star health insurance has been a good experience for me. I have been using them for my father since 2020.

 

[soubhagya28]

Star health insurance has been a good experience for me. I have been using them for my father since 2020.

I have also have star family optima insurance plan from 2017 of my parents and me . I have also good experience of them .