As parents grow old, their medical requirements also increase. In this day of advanced medical facilities and improved medical times, it is not difficult to find the best treatment for most diseases, but it is extremely difficult to be able to afford it. This is where the health insurance plans for senior citizens come to the rescue to be able to take care of your parent’s medical needs without any financial stress.
Following are the top 3 healthcare plan that you can invest in, to cover your parents’ health insurance:
Table Content
Bajaj Allianz Silver Health Policy
Some of the best features of this plan are:
- You can avail of cashless facilities in all the network hospitals by researching on healthcare plan
- If you continue with the policy claim-free for four years, your parents can avail the facility of a free health check-up at any of the Bajaj Diagnostic Centres.
- Under the health insurance policy my healthcare plan offer where you will get reimbursement for pre-medical test costs. The insured will also be eligible for a cumulative bonus of 10% for every claim-free policy year.
- The insured will also be eligible for a cumulative bonus of 10% for every claim-free policy year. There are as many as 130 daycare procedures covered under the plan.
- There are as many as 130 daycare procedures covered under the plan. The waiting period for the coverage of pre-existing diseases is one year after which the company will pay as much as 50% of the claim amount on such diseases.
- The waiting period for the coverage of pre-existing diseases is one year after which the company will pay as much as 50% of the claim amount on such diseases. It covers people within the age group of 46-70 years.
- It covers people within the age group of 46-70 years.
New India Assurance Senior Citizen Mediclaim Policy
This plan will help you provide the following benefits:
- This health insurance policy covers individuals aged between 60-80 years and can go up to 90 years, in addition as well provided the insured keeps renewing the policy with the company without any breaks. However, the premium will increase by 10% between the age of 81-85 years and further by 20% between the age of 86-90 years.
- The policy provides pre-hospitalization coverage of 30 days and 60 days for post-hospitalization coverage.
- If the insured successfully crosses four claim-free years, they would be eligible for reimbursement of medical check-up costs.
- The waiting period to cover pre-existing diseases is 18 months provided the insured are with the company for the entire period uninterrupted.
- This considers the best insurance plan because all expenses incurred for treatment of the injuries and illness will be taken care of.
Star Health Red Carpet Plan
Some of the primary features and benefits of this plan:
- This policy covers individuals aged between 60-75 years and there is no pre-medical test required to buy this plan.
- A discount of 10% is applicable in case lab test reports are submitted while buying the plan.
- The plan covers all pre-existing diseases except those whose treatment started within 12 months from the date of the policy.
- The insured can avail of a 5% discount if buying the policy online.
- Both pre and post-hospitalization expenses are covered including the ambulance charges as per the pre-defined criteria. At the time of renewal, the insured will have the option of enhancing the sum assured.
- At the time of renewal, the insured will have the option of enhancing the sum assured.
Taking care of parents is one of the priorities for everyone. Getting them covered under individual health insurance plans is beneficial rather than clubbing them under a family floater plan owing to costs and maximum age of coverage.
Take time out to study these plans in detail and compare them online when it comes to detailed terms and conditions along with the premium amount. Your parents do deserve the best health insurance that money can buy. Get Quote
Follow-us