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A Complete Guide on Buying Senior Citizen Health Insurance Plans

Ageing is Inevitable But Taking Care of Your Health is in Your Hands


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It goes without saying that senior citizens must have health insurance. If you have elderly parents who depend financially on you, then you must purchase a senior citizen health insurance plan for them. Such a plan provides critical illness cover, pre-existing disease cover, a higher sum assured, and cashless hospitalization. It is important to buy insurance for your elderly parents because people are more vulnerable to illnesses in their old age.

Here is a complete guide that will help you in buying senior citizen health insurance for your elderly parents: -

Know Their Medical History

When you buy a senior citizen health insurance policy for your elderly parents, it is essential to be aware of their medical history. It helps you in identifying the type of coverage they require and the different advantages they can avail from health insurance in the future.

Assess the Different Aspects of Health Plans

To choose a suitable citizen health insurance plan, there are a lot of aspects to take care of like premium, riders, coverage, exclusions, and inclusions, to name few. It is sensible to factor these in at the time of making a choice.

Always Provide Accurate Information

When you select an insurance policy, give accurate information because if you do not do so then it can lead to issues at the time of filing claims.

Do Not Let Premium Be the Only Deciding Factor

We all desire to get maximum benefit out of our insurance that too at the minimum cost. With, do not let premiums of senior citizen medical insurance be the sole criterion. You must give preference to adequate insurance coverage as that’s what you are buying senior citizen health insurance for.

What to Keep in Mind at The Time of Selecting a Policy?

When you search for a suitable senior citizen health insurance plan, keep some of these important parameters in mind:


Age plays an important role because an insurance plan provides coverage based on age. 

Hospital Network:

A hospital that is situated in the vicinity will be of great help at the time of emergency. So, do go through the list of network hospitals at the time of selecting a suitable health insurance plan for your parents.

Coverage for Specific Illnesses:

Go through the insurance documents and see whether the most common illnesses that are associated with old age are listed or not.

Last but not the least, go through the fine print of your policy thoroughly and check out its exclusions as well as inclusions. Doing so gives you a lot of clarity in terms of what your health policy offers.

Religare Health Insurance is a specialized health insurer that provides health insurance products to corporate employees, health or medical insurance plans for family, senior citizen health insurance plan, and other medical insurance plans. You can consider these plans when you decide to buy a suitable health insurance plan as per your requirements.

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