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Health insurance cover for senior citizens

Do check the premiums to cover both of you and read the features, inclusions, exclusions, cover for pre-existing diseases etc before taking a decision

I am 72 years old and my wife is 65 years old. Both of us are healthy without any serious ailments. Can you please suggest the best health insurance policy for us?
- M L N Srinivas

Some insurance companies have health insurance policies that cater to the needs of senior citizens. These policies typically cover both hospitalisation and domiciliary hospitalisation (critical ailments where the patient is bedridden but not hospitalised for certain reasons). The premiums will be on the higher side. Do check the premiums to cover both of you and read the features, inclusions, exclusions, cover for pre-existing diseases etc before taking a decision. You can explore the following policies which have senior citizen health plans:

  • Star Health Senior Citizens Red Carpet Health Insurance Policy
  • MAXBUPA Heartbeat Health Insurance
  • Apollo Munich Optima Senior
  • TATA-AIG Medi Senior
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