Senior Citizen Health Insurance

Specialized health coverage for golden years

Senior citizen health insurance provides comprehensive medical coverage designed specifically for individuals above 60 years with age-appropriate benefits and reduced waiting periods.

Designed specifically for 60+ age group
Coverage for age-related ailments
Reduced waiting periods for seniors
Pre-existing disease coverage

Key Benefits

Age-Specific Coverage

Tailored coverage for common health issues faced by senior citizens

Reduced Waiting Periods

Shorter waiting periods for pre-existing conditions compared to regular plans

Domiciliary Treatment

Coverage for treatment at home when hospitalization is not possible

Health Check-ups

Annual health check-ups included to monitor and maintain health

What's Covered

  • Hospitalization for illness and accidents
  • Pre-existing diseases after waiting period
  • Cataract surgery and eye treatments
  • Joint replacement surgeries
  • Cardiac and diabetic treatments
  • Cancer treatment and chemotherapy
  • Kidney dialysis and organ transplant
  • Domiciliary treatment for specific conditions
  • Emergency ambulance services
  • Annual preventive health check-ups

What's Not Covered

  • Cosmetic and aesthetic treatments
  • Dental treatment (unless accidental)
  • Routine medications and supplements
  • Treatment outside India (unless specified)
  • Self-inflicted injuries
  • Mental illness (in some policies)
  • Congenital disorders
  • Experimental treatments
  • War and nuclear risks
  • Drug and alcohol abuse related treatments

Eligibility Criteria

Minimum Age60 years
Maximum Age80 years
Renewal AgeLifetime (subject to terms)
Waiting Period
30 days for illness, 1-2 years for pre-existing conditions

Required Documents

  • 1
    Filled application form with recent photographs
  • 2
    Age proof (Birth certificate, Passport)
  • 3
    Identity proof (Aadhaar, PAN Card)
  • 4
    Address proof (Utility bills, Aadhaar)
  • 5
    Income proof (Pension certificate, ITR)
  • 6
    Medical examination reports
  • 7
    Previous insurance policy details
  • 8
    Medical history and prescription records

Claim Process

Simple steps to understand the claim filing process

1

Immediate Intimation

Inform insurer within 24 hours of hospitalization or treatment

2

Documentation

Submit complete claim form with medical reports and bills

3

Medical Review

Insurance company's medical team reviews the claim

4

Settlement

Approved claims processed within 15-30 days

Frequently Asked Questions

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