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Health Insurance Plans Starting at Just ₹545/Month*
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10,000+ network hospitals
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Coverage up to ₹5 crore
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20+ add-ons
Senior Citizen Health Insurance
With age, medical needs increase, and access to quality treatment becomes essential for a worry-free life. That’s where a senior citizen policy can help. Senior citizen health insurance is a specialised medical coverage plan designed for individuals aged 61 years and above. It provides financial support for hospitalisation, medical tests, surgeries, and post-treatment care, helping manage the financial burden of rising healthcare costs in old age.
Our Sr citizen health insurance, in particular, ensures access to cashless treatment at a wide network of 10,000+ cashless hospitals. At IndusInd General Insurance, we offer comprehensive health insurance for senior citizens, including annual health check-ups, ambulance cover, and lifelong renewability. We also cover pre-existing conditions after a 3-year waiting period, which can be reduced to 1 or 2 years. And as a bonus, you get tax benefits up to ₹50,000* under Section 80D of the Income Tax Act (old tax regime).
Choosing medical insurance for senior citizens early ensures continued protection and minimises out-of-pocket expenses. And since this plan is tailored to the unique health needs of elderly individuals, it secures long-term access to healthcare, enabling senior citizens to live independently and in good health.
What is Senior Citizen Health Insurance?
Senior citizen health insurance is a specialised medical insurance policy designed for individuals aged 61 and above. It offers financial coverage for hospitalisation associated with ageing, critical illness treatment, pre-existing conditions, and outpatient care (OPD).
Health insurance for elderly people from IndusInd General Insurance helps manage high medical costs that often arise with age. It includes benefits such as cashless hospitalisation, pre- and post-hospitalisation cover, ambulance cover, annual health check-ups, and pre-existing disease coverage.
Simply put, you’re assured access to quality healthcare without financial strain, making it a practical and essential choice for elderly individuals and their families.
Importance of Health Insurance for Senior Citizens
Financial Protection
As people grow older, medical needs often become more frequent and expensive. Health insurance plans for senior citizens provide crucial financial security for you or your loved ones. It ensures that unexpected medical emergencies do not deplete your savings or burden your family financially.
Access to Quality Healthcare
Getting timely medical care can make all the difference in recovery. With IndusInd General Insurance, senior citizens can access a wide network of hospitals through the Everywhere Cashless facility, including non-network hospitals. Plans include specialist consultations, diagnostic tests and preventive care, all designed to support age-related health issues.
Relief from Financial Worry
Caring for an elderly parent or relative often comes with concern about rising medical expenses. Choosing medical insurance for senior citizens means you are prepared. These plans reduce the stress associated with healthcare costs, allowing families to focus on support and care rather than managing expenses.
Covers Critical & Chronic Illnesses
Many age-related conditions require long-term care or expensive treatments. IndusInd General Insurance covers critical illnesses such as cancer, heart disease and stroke, as well as ongoing treatments for chronic conditions. Pre-existing conditions are included after a 36-month waiting period, which can be reduced to 24 or 12 months with add-ons.
Why 8 Crore+ Policyholders Choose Us?
Our health insurance plans for senior citizens offer additional perks such as wellness programs, telemedicine consultations and health check-ups. We ensure that senior citizens receive comprehensive coverage, affordable access to quality healthcare, and financial stability regarding their healthcare through our health insurance plans.
Up to 40% Off on Premiums*
More coverage & more savings!
24x7 Customer Support*
Quick support anywhere!
Over 10,000 Hospitals*
Quick cashless claims pan-India!
AYUSH & Modern Surgery Treatments*
Get 100% SI coverage for both*
Senior Citizen Health Insurance - Benefits & Features
IndusInd General Insurance offers a range of benefits and features designed to provide a comprehensive health policy for senior citizens. It focuses on affordability, quality healthcare access, and financial protection during medical emergencies.
Key Features |
Benefits of IndusInd Senior Citizen Health Insurance |
|---|---|
Premium |
Starting at ₹545/month* |
Sum Insured |
₹5 Lakh - ₹5 Crore |
Policy Type |
Individual+family floater plans |
Cashless Hospitalisation |
10,000+ cashless hospitals |
Pre & Post Hospitalisation |
Covered up to a specified limit |
Tax Benefits |
Up to ₹1 lakh* under Section 80D |
Paperwork |
Zero Paperwork, online purchase via the IndusInd Insurance app |
Voluntary Co-payment |
Option available |
Add-ons |
20+ Add-Ons* |
Critical Illness Cover |
Up to 10 Critical Illnesses Covered |
Day Care Procedures |
Available |
AYUSH Treatment |
Covered up to 100% of SI |
Renewability |
Lifetime renewability |
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Senior Citizen Health Insurance Plans by IndusInd General Insurance
IndusInd senior citizen health insurance offers comprehensive health plans for senior citizens. Our plans provide coverage for individuals above 61 years, with lifetime renewability, and offer extensive benefits, ensuring a robust mediclaim policy for senior citizens.
IndusInd Health Infinity Insurance
Key Features
A limitless policy that offers comprehensive health insurance with limitless benefits.
Maximum Discount
Enjoy a 35%* discount on comprehensive coverage, including hospitalisation, daycare and preventive care.
Coverage Details
- Up to ₹5 crore* sum insured
- Additional cover over the sum assured
- Extended coverage over the policy term
- Coverage for global emergencies
- Maternity and OPD Cover
- Unlimited restore benefits
- Up to ₹1 lakh tax savings*
IndusInd Health Gain Insurance
Key Features
Comprehensive medical policy for your family with customisable coverage.
Maximum Discount
Take advantage of a 40%* discount on our premium plan, benefits including no-claim bonuses and wellness programmes.
Coverage Details
- Up to ₹1 crore* sum insured
- Coverage for a second opinion
- Reduction in the waiting period for pre-existing diseases
- Unlimited restore benefits
- Up to ₹1 lakh tax savings*
- Loyalty cover
IndusInd Health Global Insurance
Key Features
Best international health insurance plan for planned treatments abroad.
Maximum Discount
Enjoy up to 37%* discount on global coverage, ensuring protection for health expenses worldwide.
Coverage Details
- $1 million* sum insured
- Worldwide and India coverage
- Critical illness coverage
- Travel and concierge expense coverage
- Second opinion covered
- Visa charges and documentation coverage
- 2x annual sum insured
- Travel and accommodation expenses
IndusInd Super Top-Up Insurance
Key Features
Offers extended protection for your existing health insurance.
Maximum Discount
Get a 35%* discount on additional coverage options that enhance your existing policy, ensuring financial security for major health expenses.
Coverage Details
- Up to ₹1.3 crore* sum insured
- Worldwide emergency cover
- Maternity cover
- Ambulance cover
- Single private AC room
Stay Healthy Discount with IndusInd Health Insurance Plans
IndusInd General Insurance offers several discount options for senior citizen insurance plans. Under the 'Stay Healthy Discount' policyholders can receive a renewal premium discount of up to a 10%* on the renewal premium.
You need to complete and share the results of an annual health check-up. Tests must include blood glucose, blood pressure, cholesterol, and weight assessment. Discount applies regardless of test results.
Additionally, senior citizen health insurance policyholders can avail discounts through voluntary co-payment and voluntary aggregate deductible options. You can reduce the premium by agreeing to pay a portion of claims or setting an annual deductible limit.
IndusInd Senior Citizen Health Insurance - Key Inclusions & Exclusions
What’s Covered?
Inpatient Care: Covers hospitalisation expenses, including room rent, ICU charges and medical practitioner's fees during treatment.
Pre and Post-hospitalisation: Covers medical expenses incurred before admission and after discharge from the hospital.
AYUSH Treatment: Offers coverage for alternative treatments such as Ayurveda, Yoga, Unani, Siddha and Homoeopathy.
Annual Health Check-up: Provides renewal discounts if yearly health check-up results are submitted as required.
Day Care Procedures: Includes coverage for treatments and procedures that do not require 24-hour hospitalisation.
Emergency Ambulance: Pays for ambulance services used during a medical emergency, up to the policy’s specified limit.
Pre-Existing Diseases: Covered after completing a waiting period of 36-months from the policy start date.
What’s Not Covered?
Non-Medical Expenses: Expenses such as admission fees, registration charges, and other non-medical items are not covered.
Specific Treatments Waiting Period: Procedures such as ENT (ear, nose and throat) surgeries and orthopaedic treatments are covered after a 24-month waiting period.
Cosmetic and Obesity: Excludes all medical expenses related to cosmetic procedures and treatments for obesity or weight loss.
Self-Inflicted Injuries: Does not cover medical costs arising from injuries intentionally caused by the insured individual.
These inclusions ensure extensive health coverage for senior citizens, making them ideal health plans for senior citizens above the age of 60.
Expert health advice you can trust
Get in touch with our team today!
Eligibility of Senior Citizen Health Insurance
Eligibility Criteria |
Details |
|---|---|
Age Limits |
Coverage available for individuals aged 60 or older. Maximum entry age of 65 years. |
Nationality |
The policyholder should be an Indian national. |
Pre-existing Conditions |
Covered after a 3-year waiting period |
Medical screening |
Required (Costs 100% covered by us*) |
Renewal |
Lifelong renewability |
Waiting Period for Senior Citizens' Health Insurance
Type of Waiting Period |
Duration |
Reductions Available |
|---|---|---|
Initial Waiting Period |
30 days |
None, only accidents and emergencies are covered from Day-1 |
Pre-Existing Disease (PED) |
36 months (Standard) |
Can be reduced to 24 or 12 months |
Specific Illnesses/Treatments |
24 months |
Can be reduced to 12 months |
How to Calculate Senior Citizen Health Insurance Premium?
The IndusInd General Insurance premium calculator provides a quick, easy way to estimate the cost of a senior citizen health insurance plan. This tool is ideal for comparing plans and finding the best medical insurance for senior citizens based on your family’s needs.
Go to Calculator
Go to the premium calculator below and enter your details to begin.
Enter Details
Enter your age, contact number, PIN code, and other basic details.
Select Coverage
Select the number of people to be covered and the sum insured.
Get Quote
Click “Get Price” to view the estimated premium amount.
How to Buy Senior Citizen Health Insurance?
How to Buy Online
Go to the top of this page to get started. Use the calculator below to get a quick premium quote.
Fill in your name, contact number, and PIN code in the form provided.
Accept the terms and conditions to continue.
Click “View Prices” to see available plans and personalise your coverage.
Make the payment, and your policy details will be emailed to you.
How to Renew Online
Go to the form on top of this page and choose "Renewal". You can also tap InstaRenew on the IndusInd Insurance app.
Provide your existing policy number or registered mobile number.
Click “Send OTP” to verify your mobile number and proceed.
Review your current policy details and make any required changes.
Check the revised premium and pay online to instantly renew your policy.
Things to Remember While Buying Senior Citizen Health Insurance
Coverage Needs
Evaluate the specific health requirements of senior citizens, such as pre-existing conditions and the need for regular medical care. Ensure the policy covers a wide range of treatments, including day care procedures and alternative therapies such as AYUSH.
Policy Features
Check features such as no room rent capping, restoration of the sum insured, and pre- and post-hospitalisation coverage. Also review OPD coverage, modern treatments, wellness benefits, and discounts on health check-ups.
Waiting Periods and Exclusions
Review the waiting periods for pre-existing diseases, specific treatments, and listed exclusions in the sr citizen health insurance. Understanding these conditions in advance helps avoid claim-related surprises and ensures clarity on when coverage becomes active.
Premium Affordability
Choose a plan that balances cost and coverage effectively. Look for options with co-payments or voluntary deductibles to lower premiums without compromising on essential healthcare benefits for senior citizens.
Network Hospitals
Check if the insurer offers wide hospital access. IndusInd General Insurance provides 10,000+ network hospitals and an Everywhere Cashless option for treatment even at non-network hospitals, ensuring greater convenience for senior citizens.
Claim Process
Understand the claim settlement process, including the required documentation and the average time for claim approval. Check the insurer's claim settlement ratio and customer reviews for reliability in buying medical insurance for parents.
Tax Benefits of Senior Citizen Health Insurance
Health insurance for senior citizens not only provides medical coverage but also offers significant tax advantages under Section 80D of the Income Tax Act, 1961. These tax benefits can reduce your taxable income, making health insurance a smart investment for both healthcare and savings. These deductions enhance financial security while ensuring quality care for elderly family members.
Key Tax Benefits
Deduction up to ₹1,00,000*: Get deductions on premiums paid towards medical insurance for senior citizens.
Self and Spouse (Both Above 60 Years): Claim up to ₹50,000* as a tax deduction on premiums paid.
Parents (Above 60 Years): An additional ₹50,000* deduction is available if you are paying for your senior citizen parents' health insurance.
Preventive Health Check-ups: You can also claim up to ₹5,000* for preventive check-ups, within the ₹50,000* limit.
What to Know When Claiming Deductions?
The individual claiming the deduction must be a taxpayer during the financial year.
The policyholder must be a resident of India to claim tax benefits under Section 80D.
Health insurance premiums must not be paid using cash to qualify for deductions.
Premiums must be paid within the same financial year to be eligible for tax benefits.
Multi-year single-premium policies allow proportionate yearly deductions.
Disclaimer: Tax benefits are subject to conditions under Section 80D of the Income Tax Act, 1961 and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details.Tax benefits are subject to conditions under Section 80D of the Income Tax Act, 1961 and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details.
Difference Between Seniors Citizen vs Standard Health Insurance
Factors |
Features |
Individual Health Insurance |
Family Health Insurance |
|---|---|---|---|
Coverage Options |
Age-related and chronic coverage |
Broad medical condition coverage |
Comprehensive family-wide coverage |
Premiums |
Higher due to age risk |
Lower based on health |
Cost-effective for families |
Benefits |
Check-ups and PED cover |
Standard medical benefits |
Maternity and newborn benefits |
Eligibility Criteria |
For ages 60 and above |
Open to all ages |
Ideal for family protection |
How is Our Senior Citizen Health Insurance Plan Better?
| Features | IndusInd |
Other Insurers |
|---|---|---|
Premium Cost |
Starting at ₹545/month* |
Starting at ₹300 - ₹500 per month |
Coverage Option |
Covers hospitalisation, daycare, ambulance, more |
Basic hospital and limited OPD cover |
Sum Insured Options |
Up to ₹5 Crore (India), $1 Million (Global) |
Up to ₹1 Crore only |
Coverage Option |
Covers hospitalisation, daycare, ambulance, more |
Basic hospital and limited OPD cover |
Network hospitals |
10,000+ with Cashless Everywhere |
8,700+ cashless hospitals |
Pre & Post- Hospitalisation
|
90 days pre, 180 days post |
60 days pre, 90 days post |
Guaranteed cumulative bonus
|
Up to 100% |
May or may not be available |
Critical Illness Cover |
No pre-screening required |
Usually required |
Unlimited Reinstatement |
Available |
May or may not apply |
Co-Payment |
Optional |
Fixed co-payment |
Room Rent Limit |
No limit |
Pay extra to upgrade |
Types of Health Insurance Plans for Senior Citizens
Different types of health insurance plans cater to various needs. You must carefully consider the coverage and benefits before choosing a plan for senior citizens. IndusInd General Insurance offers various plans to suit your needs and preferences. IndusInd General Insurance offers some of the best health insurance for senior citizens. Its budget-friendly plans feature competitive premiums, making quality healthcare accessible without any financial implications.
Individual Health Insurance Plans
These plans cover personal medical expenses, including hospitalisation, doctor fees, and check-ups, for a single individual. Premiums are based on age and health.
Family Floater Health Insurance Plans
This health plan offerscoverage for the entire family under one policy, including senior citizens, covering hospitalisation and other medical expenses.
Senior Citizen Health InsurancePlans
Tailored for those aged 60 to 75, these plans offer comprehensive coverage for hospital bills and other medical expenses. It ensures you get one of the best health insurance plans for senior citizens.
Stay Health Discount with IndusInd Health Insurance Plans
IndusInd General Insurance offers several discount options for senior citizens' health plans, which can be beneficial for your parents. The 'Stay Healthy Discount' is particularly noteworthy. It provides up to a 10%* discount on the renewal premium if an annual health check-up is completed and the results are shared with the company. Additionally, policyholders can avail themselves of discounts on senior citizen health insurance through voluntary co-payment and voluntary aggregate deductible options, which reduce the premium by agreeing to pay a portion of claims or setting an annual deductible limit. Explore the range of health insurance plans designed to align with your needs and budget:
IndusInd Health Infinity Plan
Enjoy a 35%* discount on comprehensive coverage,including hospitalisation, daycare and preventive care.
IndusInd Health Gain Plan
Take advantage of a 40%* discount on our premium plan, offering extensive benefits such as no-claim bonuses and wellness programs.
IndusInd Health Super Top-Up Plan
Get a 35%* discount on additional coverage options that enhance your existing policy, ensuring financial security for major health expenses.
Why Should You Buy Health Insurance for Senior Citizens Online?
Here are some top advantages of buying health insurance for senior citizens online
Convenience: Purchase and manage policies from home.
Accessibility: Instant access to policy details and documents.
Comparison Tools: Evaluate different health plans for senior citizens easily.
Exclusive Discounts: Benefit from online-only offers and discounts of up to 40%*.
Cost-Effective: Save time and money with streamlined processes
Considering these benefits, opting for senior citizen medical insurance online is a smart and efficient choice.
How to Buy IndusInd Senior Citizen Health Insurance Policy Online?
IndusInd General Insurance offers a seamless and hassle-free process for senior citizens’health insurance online. Follow these steps to secure your medical insurance plan
Visit the website and navigate to the ‘Health Insurance’ section.
Enter your mobile number, name and pin code, and after that,click ‘View Prices’.
Select who you wish to cover - self, family, parents, or in-laws. Choose the type of coverage you need, such as hospitalisation, hospitalisation + OPD, maternity, global or top-up.
Select your sum insured, add-ons and policy tenure to tailor the plan to your specific needs.
Provide all necessary personal details, make the payment online through secure payment options, and receive your policy via e-mail.
Things to Remember While Buying Senior Citizen Health Insurance
When buying senior citizen health insurance, there are several essential tips to consider to ensure you select the best plan for your needs:
Things to Remember
Coverage Needs
Evaluate the specific health requirements of senior citizens, such as pre-existing conditions and the need for regular medical care.
- Ensure the policy covers a wide range of treatments, including daycare procedures and alternatives therapies such as AYUSH.
Policy Features
Check features such as no room rent capping
Restoration of the sum insured
Pre and post-hospitalisation coverage
OPD coverage
Modern treatments, including advanced surgeries and therapies
Wellness benefits
Discounts on health check-ups
Premium Affordability
Compare premium rates and ensure they fit within your budget.
Consider policies offering voluntary deductibles or co-payment options to reduce premiums.
Network Hospitals
Ensure the insurance provider has a vast network of hospitals, including those close to your residence, where you can receivecashless treatment.
Verify the ease of access to these hospitals and the quality of healthcare services provided.
Claim Process
Understand the claim settlement process, including the required documentation and the average time for claim approval.
Check the insurer's claim settlement ratio and customer reviews for reliability in buying medical insurance for parents.
By keeping these factors in mind, you can efficiently buy medical insurance for parents, ensuring they have comprehensive senior citizens' health insurance. This approach guarantees that the chosen mediclaim policy for senior citizens meets your parents' healthcare needs without any budget constraints.
Statistics of Senior Citizen Health Insurance in India
In India, only 18% of senior citizens are covered by health insurance. Enrollment rates for health insurance for senior citizens above 60 years old are gradually increasing. Coverage trends reveal a preference for a comprehensive mediclaim policy offering extensive benefits.
Claim ratios indicate that hospitalisation and domiciliary treatments are commonly claimed. Despite these trends, insurance penetration among the elderly remains low. One of the best health insurance for senior citizens in India includes policies such as IndusInd Senior Citizen Health Insurance.
Disclaimer: The statistical data presented in this content is sourced from The Economic Times. While we strive for accuracy, the figures are based on external reports and are subject to change.
Difference Between Health Insurance for Seniors vs Individual Health Insurance
Here's a table highlighting the differences between Senior citizens' health insurance and individual health insurance
Factors |
Senior citizens' health insurance |
Individual Health Insurance |
|---|---|---|
Coverage options |
Tailored to common age-related illnesses, including critical illness coverage and higher coverage for chronic diseases |
General coverage for a wide range of medical conditions |
Premiums |
Higher premiums for health plans for senior citizens due to increased health risks associated with age. Discounts may be available to maintain good health |
Lower premiums compared to senior plans, as age and health status influence cost |
Benefits |
Benefits include regular health check-ups, a no-claim bonus, and coverage for pre-existing diseases after a waiting period |
Standard benefits such as hospitalisation, outpatient care and maternity cover |
Eligibility Criteria |
Specifically designed for senior citizens (age 60 and above), less stringent on pre-existing conditions but longer waiting periods |
Available for all age groups, including health insurance for children, eligibility based on medical history and current health status |
Senior Citizen Health Insurance vs Family Health Insurance
Here's a table highlighting the differences between senior citizens health insurance and Family Health Insurance
Factors |
Senior Citizen Health Insurance |
Family Health Insurance |
|---|---|---|
Coverage Options |
Health plans for senior citizens are tailored to age-related illnesses, chronic disease management and higher coverage for critical illnesses |
Comprehensive coverage for all family members, including hospitalisation, outpatient care and maternity benefits |
Premiums |
Higher premiums due to increased health risks associated with ageing |
Varies based on the number of family members, age and overall health status. Family medical insurance will be generally higher than individual plans but cost-effective per person |
Benefits |
Includes regular health check-ups, no-claim bonus and coverage for pre-existing conditions after a waiting period |
Offers coverage for all family members under a single policy, including preventive care and benefits such as newborn and maternity cover |
Suitability |
Specifically designed for senior citizens (age 60 and above), focusing on your parents' unique health needs |
Suitable for families looking to cover all members, including health insurance plans for family |
These insurance plans ensure that both senior citizens and families receive appropriate and effective health coverage. They offer distinct benefits tailored to different age groups and family structures.
Pre-Medical Checkup for Senior Citizens' Health Insurance Policy
Pre-medical checkups are essential for senior citizen health insurance policies. These checkups assess the applicant's current health status, allowing insurers to determine coverage options and premium rates.
The necessity of pre-medical check-ups for senior citizens is emphasised due to the higher likelihood of pre-existing conditions. The process involves a comprehensive evaluation, including blood tests, imaging and consultation with healthcare providers.
The implications of these checkups can include adjustments in policy terms or denial of coverage based on the findings. However, some health plans for senior citizens might offer exemptions for minor or well-managed health conditions, ensuring broader access to insurance.
Waiting Period for Senior Citizens' Health Insurance
Senior citizen health insurance policies typically include a waiting period that must be completed before certain benefits become available. This duration can vary significantly depending on the insurer and the specific plan chosen.
Generally, the waiting period for pre-existing conditions is about 24 to 48 months. During this time, any claims related to pre-existing conditions will not be covered.
Additionally, the waiting period for new illnesses typically ranges from 30 to 90 days from the policy's inception. This ensures that only genuine medical needs are covered, preventing misuse of the insurance policy.
Comparing Senior Citizen Health Insurance Plans Online
It is easier to compare senior citizens' health insurance plans efficiently, ensuring that the chosen mediclaim policy meets all necessary health and financial needs.
Feature |
IndusInd Individual Health Insurance Policy |
Individual Medical Insurance by Other Insurers |
|---|---|---|
Coverage Option |
Comprehensive coverage for planned & emergency hospitalisations, daycare procedures, modern treatments, ambulance charges and more. |
Basic coverage, which is often limited to hospitalisation and fewer outpatient services. |
Sum Insured Options |
Up to ₹5 Crore (IndusInd Health Infinity) and USD 1 Million (IndusInd Health Global) |
Up to ₹1 Crore |
Premium Cost |
Starting at ₹545* per month |
Starting at ₹300 - ₹500 per month |
Network hospitals |
10,000+ hospitals and 'Cashless Everywhere' feature |
8,700+ cashless hospitals |
Pre and Post-Hospitalisation |
Up to 90 days pre and 180 days post-hospitalisation covered. |
Up to 60 days pre and 90 days post-hospitalisation covered. |
Maternity benefits |
Available (e.g., IndusInd Health Infinity). It offers comprehensive coverage, including pre and post-natal care, as well as expenses for delivery and newborn care, ensuring extensive support during maternity. |
May not be available. |
Initial Waiting Period |
Minimum 15 days |
Minimum 30 days |
Guaranteed cumulative bonus |
Up to 100% |
May or may not be available |
Critical Illness Cover |
No pre-screening required |
Usually required |
Pre-policy Check-up |
Not required up to 55 years |
Usually required |
Pre-policy Check-up |
Available |
May or may not be available based on the plan |
Co-Payment |
Optional |
Fixed co-payment |
Co-Payment |
Co-Payment |
Pay extra to upgrade |
COVID-19 Coverage |
Selected plans |
Selected plans |
Purchasing health insurance online is gaining popularity due to its simplicity and efficiency. With just a few clicks, you can compare health insurance plans for senior citizens in India, review various policies and secure coverage tailored to your needs.
Claim Settlement Process for Senior Citizen Health Insurance
Notify Us Promptly
Planned hospitalisation? Inform us at least 48 hours before admission.
Emergency? Notify us within 24 hours of hospitalisation.
Register Your Claim
Call (+91) 22-4890-3009, email (igicl.icarehealth@indusindinsurance.com), or use the IndusInd Insurance app to notify us. Submit documents to initiate the claim approval process.
Cashless Treatment at Network Hospitals
Once approved, visit your selected hospital and receive cashless treatment as per your policy without paying upfront for covered medical services.
Claim Settlement via TPA
After treatment, the hospital’s TPA desk sends bills to us. Our claims team settles them directly as per your policy terms and limits.
Reimbursement Claims
- Register Your Claim
Call (+91) 22-4890-3009, email, or use the IndusInd Insurance app to inform us after hospitalisation is prescribed. Submit the required documents for claim registration.
- Undergo Treatment
Get treated at any hospital of your choice. The reimbursement process applies regardless of the hospital’s network status.
- Make the Payment
Pay all medical expenses directly at the hospital. Collect invoices, discharge summaries, prescriptions, and other essential medical documents.
- Submit Your Documents
Send scanned copies of all bills and documents within 7 days of discharge. Once verified, the approved amount will be reimbursed as per your policy.
Documents Required to Claim Senior Citizen Health Insurance
Medical Bills: Detailed invoices of medical expenses incurred during treatment
Hospital Records: Comprehensive records from the hospital, including admission and discharge summaries
Policy Details: Copies of the mediclaim policy for parents above 60 years that outline the policy coverage and terms
ID Proofs: Government-issued identification documents for both the policyholder and the insured senior citizen
Claim Forms: Duly filled and signed official claim forms
Prescription Details: Doctor’s prescriptions related to the treatment and medications
Test Reports: Diagnostic reports and lab results that support the treatment claims
Pre-authorisation Form: Pre-approval document, if required, for specific treatments under health insurance for elderly parents
Bank Details: Bank account information for the reimbursement process.
Myths About Senior Citizen Health Insurance
Here are some of the popular myths regarding senior citizen health insurance:
Myth |
Fact |
|---|---|
Senior citizen health insurance only covers basic medical expenses. |
Comprehensive health insurance plans for senior citizens can cover a wide range of expenses, including hospital stays, surgeries, and even preventive care. |
Premiums for senior citizen health insurance are unaffordable. |
While premiums may be higher due to age-related risks, various schemes and discounts are available to make health insurance for senior citizens more affordable. |
Once you reach a certain age, you are ineligible for senior citizen health insurance. |
Many health insurance policies are specifically designed for individuals over 60, ensuring they have access to coverage regardless of age. |
Claim settlements for senior citizens are always difficult. |
Insurers have streamlined their processes to ensure that claims under senior citizen health insurance policies are handled efficiently and promptly. |
Pre-existing conditions are not covered under senior citizen health insurance. |
While some plans may have waiting periods, many senior citizen health insurance policies do provide coverage for pre-existing conditions after a specific period. |
How to Manage Senior Citizen Health Insurance Policy?
Managing a senior citizen mediclaim policy effectively requires attention to detail and proactive measures to ensure optimal utilisation of benefits. Here are some practical tips:
IndusInd General Insurance
Aapke Protection ka All-rounder
Get health insurance starting at ₹545/month*!
10,000+ Hospitals Within Reach!
Get cashless care at leading hospitals without payment hassles. With IndusInd General Insurance, enjoy instant access to quality healthcare across the state.*
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N Amitha Ramesh
Tumakuru
5
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Ramakrishna Prasadvadala Setty
Trimulgherry
5
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Prasanna Lakshmi Kuruganti
Trimulgherry
5
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Indumathi Indumathi
Tiruvannamalai
5
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Pandurangdah M
Tiruvallur
5
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C Jaikanth
Tiruvallur
5
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Ramesh L
Tiruvallur
5
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Nirmala Chell Appa
Tirunelveli
5
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Ganesan Aarathi
Tiruchirappalli
5
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Saji Chandran
Thrissur
5
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Grace Mathew
Thrissur
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Anoop T M
Thrissur
5
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Kencysam Sr Kency Samsr
Thiruvananthapuram
5
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Wafa Mol R N
Thiruvananthapuram
5
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Vinoth R
Thanjavur
5
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Sampada Vijay Jagdale
Thane
5
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Geetanjali Ganpat Namaye
Thane
5
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Bibinagar Sureshchary
Telangana
5
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Pawan Kumar
Tarn Taran
5
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Modugusatish Reddy
Suryapet
5
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Kanakai Ahgudipati
Suryapet
5
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Hiralsagar Bhaisardhara
Surat
5
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Amit Bhaidurlabh Bhai Rajpara
Surat
5
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Ankur Kotnala
Surat
5
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Anil Kumar Ram Sringarsaroj
Sultanpur
5
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Marxia Tamil Selvan
Sivaganga
5
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Prasad Nangunoori
Siddipet
5
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