If you are looking for the right health insurance for senior citizens above 60 years, this blog will guide you through the different types of healthcare insurance plans for senior citizens so that you can make an informed decision. It will cover everything from basic healthcare insurance policies to critical illness covers and senior citizen-specific healthcare insurance plans.
So, whether you’re looking for a comprehensive plan or a budget-friendly option, keep reading to find the best health insurance policy for senior citizens that suits your needs.
Types of Healthcare Insurance Plans for Senior Citizens
When it comes to health insurance for senior citizens above 60 years, various types of plans are available, each with its benefits and features. Specifically, two types of plans are available – government and private insurance.
Government Senior Citizen Healthcare Insurance
Government senior citizen healthcare insurance policies are designed to provide healthcare benefits to senior citizens over 60. The state and central governments provide these policies to ensure senior citizens can access affordable healthcare services.
Top 3 Government Senior Citizen Healthcare Insurance Schemes
If you are a senior citizen looking for the best health insurance for senior citizens in India, you may want to consider government schemes that cater specifically to the needs of the elderly.
Here are the top 3 government senior citizen healthcare insurance schemes that you can choose from:
1. Pradhan Mantri Jan Arogya Yojana (PMJAY)
PMJAY provides healthcare insurance coverage to families living below the poverty line. The scheme aims to provide financial protection to vulnerable sections of society. Here are three features of PMJAY:
- Coverage of up to Rs. 5 lakhs per family per year
- Cashless hospitalisation in empanelled hospitals
- Coverage for pre-existing conditions
2. Central Government Health Scheme (CGHS)
CGHS provides healthcare services to central government employees and pensioners. Here are three features of CGHS:
- Cashless medical treatment at CGHS-empaneled hospitals
- Free consultation with specialists and diagnostics
- Reimbursement of expenses incurred for treatment in private hospitals
3. Rashtriya Swasthya Bima Yojana (RSBY)
RSBY is a healthcare insurance scheme for people living below the poverty line. It is implemented under the Ministry of Labour and Employment. Here are three features of RSBY:
- Coverage of up to Rs. 30,000 per family per year
- Cashless hospitalisation in empanelled hospitals
- Coverage for pre-existing conditions
Private Senior Citizen Health Insurance
Private health insurance for senior citizens above 60 years is designed specifically for seniors and covers medical expenses related to illnesses and accidents. These policies also come with several add-on features that can provide additional coverage for specific medical needs.
Top 3 Private Senior Citizen Healthcare Insurance Schemes
When it comes to health insurance plans for senior citizens, it’s essential to choose the right one that provides comprehensive coverage and suits your budget. Here are the top 3 private senior citizen healthcare insurance schemes that you should consider:
1. Niva Bupa Health Insurance
Niva Bupa Health Insurance offers a range of policies for senior citizens above 60 years, such as Senior Citizen Healthcare Insurance, Silver Health, and Gold Health. Here are three features of Niva Bupa Healthcare Insurance:
- High-sum insured options up to Rs. 1 crore
- Lifelong renewability and coverage for pre-existing diseases
- Cashless hospitalisation and coverage for ambulance charges
2. HDFC ERGO Health Optima Senior
HDFC ERGO Health Optima Senior is a comprehensive healthcare insurance plan for senior citizens that covers various medical expenses. Here are three features of HDFC ERGO Health Optima Senior:
- Coverage for hospitalisation expenses, such as ambulance services
- Option to choose a higher sum insured with add-ons
- Coverage for pre-existing illnesses
3. Bajaj Allianz Silver Health
Bajaj Allianz Silver Health is a healthcare insurance policy designed specifically for senior citizens above 60 years that covers various medical expenses. Here are three features of Bajaj Allianz Silver Health:
- Lifelong renewability and coverage for pre-existing diseases after a waiting period of 48 months
- Coverage for in-patient hospitalisation, pre and post-hospitalization expenses, and day-care procedures
- Option to choose a higher sum insured up to Rs. 5 lakhs with add-ons like critical illness cover and personal accident cover
Conclusion
As a senior citizen above 60, choosing the right healthcare insurance policy is crucial to ensure you’re covered for medical expenses. It’s important to compare the plans available and choose one that suits your budget and healthcare needs.
Niva Bupa one of the best health insurance company in India offers the best health insurance for senior citizens above 60 years. With a range of benefits, Niva Bupa Health Insurance can provide comprehensive medical expense coverage.