What are the best health insurance plans for senior citizens? Hospital network is very important to me and I don't want to be bogged down by preparing claims and then spend time with the provider for getting the money.
-Anil Vig
You can explore the following policies which have senior citizen health plans:
- Apollo Munich Optima Senior
- Religare Health Care
- Star Health Senior Citizens Red Carpet
The above policies are designed to cater to the needs of senior citizens. These policies typically cover both hospitalisation and domiciliary hospitalisation (critical ailments wherein the patient is bedridden but not hospitalised for certain reasons).The premiums will also be on the higher side. Do check the premiums and read the features, inclusions, exclusions, cover for pre-existing diseases, etc., before taking a decision. Cashless facility is the most critical feature of a health insurance policy. Check the network of hospitals in your city where the cashless facility is available. In most big cities, all major hospitals have a tie up with insurance companies. Residents of small cities must go through the network list to check if the hospitals nearby or the hospitals of choice are included in the network of hospitals of insurer. Keeping these points in mind would help you choose a good policy for yourself.
This article was originally published on April 24, 2017.
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