Senior Citizen Health Insurance
The care your parents deserve, without the worry.
Senior citizen plans cover the higher health needs of older people. They include pre-existing conditions after a waiting period, domiciliary treatment, and benefits such as annual health check-ups.
- Entry age
- 60 years and above
- Sum insured
- ₹3 lakh to ₹25 lakh
- Renewal
- Lifelong
- Tax benefit
- Up to ₹50,000 under Sec 80D
Choose the senior citizen health insurance that fits you
Not sure which one is right? Tell us your situation and we'll recommend the best fit.
Senior individual plan
Dedicated cover for one parent.
Senior couple floater
Shared cover for both parents.
Plans without medical tests
Some insurers issue cover without pre-policy check-ups.
Why people choose our senior citizen health insurance advice
- Entry for ages 60 to 80 and beyond
- Cover for pre-existing diseases after a waiting period
- Domiciliary and AYUSH treatment
- Higher tax benefit for you as the payer
Know exactly what you're buying
We read the fine print for you and explain inclusions, exclusions and waiting periods in plain words.
- Hospitalisation
- Pre-existing illnesses after the waiting period
- Cataract and joint replacement (with sub-limits)
- Annual health check-ups
- Parents aged 60 and above
- Retired individuals
- Children buying cover for their parents
- Co-payment of 10% to 30% on many plans
- Sub-limits on specific treatments
- Pre-existing disease waiting periods
Senior Citizen Health Insurance premium: what decides it?
Two people buying the same senior citizen health insurance can pay very different premiums. Here is what insurers look at, and how to pay less without cutting the cover you need.
What it depends on
- Age of the person or vehicle being insured
- Sum insured or cover amount chosen
- Health, lifestyle and medical history (for life and health cover)
- Add-ons and riders selected
- Claim history and no-claim bonus (for motor and health)
- City or zone, occupation and policy term
How to pay a lower premium
- Buy early: premiums are lowest when you are young and healthy
- Choose the right cover, not the cheapest or the biggest
- Compare insurers on claim record and exclusions, not just price
- Pick only the add-ons you actually need
- Renew on time to keep your no-claim bonus and waiting-period credit
Documents required for Senior Citizen Health Insurance
Choose your applicant type to see the checklist. Keep self-attested copies ready; we'll collect and verify them for you.
Document Proof
9 items- Aadhaar Card
- PAN Card
- Voter Card
- Driving Licence
- Utility Bill (Electricity / Water)
- Passport
- Age Proof
- Medical Reports / Prescriptions
- Pre-policy Check-up (if required)
Document Proof
10 items- Utility Bill (Electricity / Water / Telephone)
- Bank Statement
- GST Certificate
- Udyam Certificate
- Aadhaar Card
- PAN Card
- Passport
- Age Proof
- Medical Reports / Prescriptions
- Pre-policy Check-up (if required)
The exact list can vary by insurer and your profile. Not sure what applies to you? Our advisor will confirm in one call.
From first call to claim
Scroll through the steps to see what we do at each stage.
Expert tips before you buy
- 1Compare co-payment and sub-limits carefully; they matter more than the premium.
- 2Disclose every existing condition to avoid claim disputes.
- 3Buy before parents turn 65 if possible; options shrink with age.
Senior Citizen Health Insurance: common questions
Talk to an expert today
Share a few details and we will call you back. The first consultation is free.
- Call us+91 92122 66375
- WhatsAppChat with an advisor
- Office hoursMon to Sat, 10:00 am to 7:00 pm
Request a call back
We usually respond the same working day.
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