Older people need extra care. It is their second inning where they are not as energetic as they were in their old times. Their doctor’s visits, medicines intake, and a need for a healthy diet have increased. If they have any critical illnesses or pre-existing diseases, it will be troublesome both emotionally and financially. So, if you are also worried about your parent’s health, opt for senior citizen health insurance now. Let’s understand why it is crucial:
Immediate Cashless Hospitalization- Under health insurance for senior citizens, your parents can avail of immediate or planned cashless hospitalization facility in the network hospitals. You do not need to make cash arrangements for their treatment.
OPD Cover- Comprehensive senior citizen insurance offered by leading brands like HDFC Ergo, Care Health Insurance provides coverage for OPD expenses. Old age comes with several ailments that increase doctors’ visits, medicines intake, hospitalization, diagnosis, etc., which cost thousands of rupees. OPD covers include all such expenses and save your money.
Coverage for Recurring Costs – Critical illnesses like cancer, heart ailments, kidney failure, strokes, etc., need on-going treatment that has recurring costs. Older people need to undergo long treatment. Senior citizen health insurance includes hospitalization, medication, therapies, etc., that help them get the best treatment without financial burden.
Day Care Treatments- Health insurance for senior citizens also includes cataract surgery, dialysis, chemotherapy, etc., under day care treatments. They do not require to admit to the hospital for more than 24 hours for treatment and medical procedures under daycare.
Additional Benefits- Your parents can avail of several additional benefits such as the second opinion, ambulance cover, annual health check-ups, lifelong renewability tax benefits under senior citizen insurance.
Mental Peace- Health insurance for parents gives you and them mental peace. You will not feel monetary stress, and they can take the treatment without any financial implications. You can save your money to give them a more comfortable life while medical insurance for senior citizens takes care of their healthcare expenses.
Top Indian Health Insurance Companies Offer Senior Citizen Health Insurance
So, if you are looking for health insurance plans for senior citizens, check the below top health insurance companies:
| Health Insurance Companies | Senior Citizen Plan Name | Sum Insured | Entry Age |
| Health Optima Senior | HDFC Ergo Health Insurance | 2 Lakh to 5 Lakh | 61 Years and above |
| Aditya Birla Health Insurance | Activ Care Senior Citizen Health Insurance | 10 Lakh to 25 Lakh | 55-80 Years |
| Bharti AXA Health Insurance | Bharti AXA Senior Citizen Health Plan | 5 Lakh to 1 Crore | 65 Years |
| Care Health Insurance (Formerly Religare Health Insurance) | Care Senior | 3 Lakh to 10 Lakh | 61- Lifelong |
Takeaway
Parents went through lots of hardship to give their children a good life; now it’s your turn. It’s not required a huge investment to make your parents happy. All you need to do is spend time with them and opt for senior citizen health insurance, which helps you keep your loving parents hale and hearty.