Health Protection
For Your Golden Years.

Senior citizen health insurance is a health coverage plan designed for elderly individuals (usually above 60 years) to cover medical expenses, hospitalization, and treatments specifically relevant to aging.

The waiting period for pre-existing diseases in senior citizen plans typically ranges from 2 to 4 years, depending on the insurer and plan. However, some plans offer options to reduce this waiting period by paying a slightly higher premium.

No, not all plans have co-pay. While many traditional senior citizen health insurance policies mandate a co-pay (usually between 10% to 20%), several modern plans offer options with low co-pay or zero co-pay for higher premium rates.

Yes, daycare procedures (treatments that require hospitalization for less than 24 hours, such as cataract surgery, dialysis, or chemotherapy) are widely covered under senior citizen health plans.

Yes, cashless treatment is available at network hospitals. You can present the e-card or policy document at network hospitals, and the insurer will settle the approved medical bills directly.

Yes, you can include your spouse either on a individual basis or on a family floater basis within the same policy to cover healthcare needs together.

Most senior citizen plans have an entry age limit of 65 to 85 years, but several modern policies offer lifetime renewability once the policy is issued.

If the sum insured is exhausted due to hospitalization, many plans offer an 'Unlimited Restore Benefit' or 'Sum Insured Recharge' which automatically restores the sum insured at no extra cost for subsequent unrelated illnesses.