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Health insurance for senior citizens

  • All plans cover COVID-19
  • 6500+ cashless hospitals in our network*
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  • Complete Health Insurance

    Comprehensive health policy

    Comprehensive policy for the whole family. Comes with exclusive benefits like no room rent capping, no co-payment, OPD cover & lifelong renewability. Coverage starts from ₹5 lakh for a monthly premium as low as ₹542*.

  • Arogya Sanjeevani Policy

    Standard health policy

    Standard policy for your primary healthcare needs. Ideal for those who need a starter health insurance policy on an individual or family basis. Coverage ranges from ₹1 to ₹5 lakh.

  • Health Booster

    Increase your existing

    Super top-up policy to enhance your existing health coverage. Covers your medical expenses when your basic insurance plan falls short. Coverage goes up to ₹50 lakh. cover value

  • Personal Protect

    Accident protection

    Accident protection policy. Gives coverage against death or permanent total disablement (PTD) due to an accident. Coverage goes up to ₹25 lakh.

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Senior Citizen Health Insurance

Senior Citizen Health Insurance

Old age brings with itself numerous ailments that are usually very expensive to treat and care for. After 60, the body may start becoming frail and more prone to illnesses and infections. That is why having a health insurance policy is essential for senior citizens.

Senior citizen health insurance takes care of the healthcare needs of the elderly. Like a regular mediclaim policy, health insurance for senior citizens covers unforeseen medical expenses resulting from hospitalisation, health check-ups, day-care procedures and critical illnesses.

Health insurance plans for senior citizens may be able to provide extensive coverage. Facilities like a high sum assured, no co-pay clause and cashless treatment across a vast hospital network make such a plan reliable.

Why do you need senior citizen health insurance?

Senior citizens stand at a greater risk of contracting diseases and falling ill. And with limited or no income, hospitalisation can be mentally and financially challenging for them and their families. Hence, having a senior citizen health insurance plan is imperative to take care of financial exigencies during the golden years of a person's life.

Below are some more reasons why health insurance for senior citizens are a must:

Tackle hefty medical costs

As per the estimates, senior citizens' healthcare expenditures are approximately four times higher than young people#. A health insurance policy for senior citizens helps them to tackle such hefty medical expenses.

Coverage for critical illnesses

Prevalence of critical illnesses such as cancer, heart attacks, kidney failure etc. is much higher in senior citizens. A health insurance policy for senior citizens covers the astronomical costs associated with the treatment of such diseases.

Medical consultations and health check-ups

Senior citizens need to undergo regular medical screenings to detect the possibility of an illness. With a senior citizen health insurance policy, older people can avail regular medical consultations and annual health check-ups free of cost at any network hospital.

Lifetime Medical Coverage

Benefits of buying health insurance for senior citizens

Below are some of the benefits of buying health insurance for senior citizens:

Medical Coverage to Elderly People
Medical coverage to elderly people

Health risks increase as a person ages. By opting for health insurance for senior citizens, the elderly can ensure that they're not left uncovered in an unforeseen medical emergency.

High Sum Insured

High sum insured

You can opt for a senior citizen health insurance plan with a high sum insured (up to ₹20 to 25 lakhs). Additionally, you can also get health boosters to top-up the health insurance coverage if it gets exhausted during a year.

Coverage For Pre And Post Hospitalization Expenses

Coverage for pre and post hospitalisation expenses

Health insurance plans offer coverage for medical expenses incurred up to 30 days before hospitalisation and up to 60 days after hospitalisation.

Coverage For Pre Existing Diseases

Coverage for pre-existing diseases

Insurance also covers pre-existing illnesses after the waiting period, as per policy terms and conditions. Look for a health insurance plan for senior citizens with a short waiting period.

Cashless Treatment Facility

Cashless treatment facility

If a senior citizen has a health insurance plan, he/she can avail cashless treatment facilities at any network hospital across the country.

Provides Tax Benefits

Provides tax benefits

By procuring a senior citizen health insurance policy, the policyholder can claim a tax benefit of up to 50k (for above 60 years) under section 80D of The Income Tax Act of 1961.

Buy Health Insurance For Senior Citizens

How to buy health insurance for senior citizens?

If you want to buy health insurance for senior citizens, you can take a quote on our website for Complete Health Insurance. The ICICI Lombard Complete Health Insurance plan is designed to provide extensive coverage to people of all ages. Moreover, it's relatively easy to purchase online with minimal documentation. Just like senior citizen health insurance plans, this plan is replete with benefits. You can use it to cover older adults' expenses due to sudden hospitalisation, treatment of critical illnesses, surgeries, and accidental injuries.

Once you take a quote on our website, our medical team will get in touch with you and conduct a telephonic assessment of your health history. You may have to undergo a medical check-up. If all goes well, we will issue your policy.

Features of health insurance plans for senior citizens

Below are the salient features of ICICI Lombard Complete Health insurance, which you can also purchase for senior citizens:

No Capping On Room Rent
No capping on room rent

ICICI Lombard Complete Health Insurance has no sub-limit or capping on hospital room rent**. It means that you can choose any hospital room or even a private ward, as per your preferences, and we will bear the expenses.

Reset Benefit
Reset benefit

Our ICICI Lombard Complete Health Insurance allows you to reset 100% of your sum insured (once in a policy year) if you've exhausted it during a policy year. It means that you don't have to worry even if the insured person has to be hospitalised multiple times in a year, resulting in numerous claims.

No Co Pay Clause
No co-pay clause

There is no co-payment clause under the ICICI Lombard's Complete Health Insurance Policy. It means that in the event of hospitalisation of the insured person, the insurer bears the eligible expenses, and the policyholder won't have to pay a significant chunk from his/her pocket.

Coverage For Ambulance Charges
Coverage for ambulance charges

In case the policyholder is required to avail ambulance services during a medical emergency, ICICI Lombard Complete Health Insurance Plan will cover the charges for the same.

Cashless Hospitalization
Cashless hospitalisation

By purchasing our ICICI Lombard Complete Health Insurance Plan, you can avail cashless treatment at more than 6500* network hospitals across the country.

Coverage For AYUSH Treatments
Coverage for AYUSH treatments

We also cover in-patient Ayurveda, Unani, Siddha, Yoga and Homeopathy treatments under our policy. This is useful for those who prefer alternative treatments.

Outpatient Department Cover
Outpatient department (OPD) cover

Our policy comes with an optional add-on, under which you can claim expenses for OPD expenses. These expenses include consultation charges and medicine costs.

Free Annual Health Check Ups
Free annual health check-ups

With ICICI Lombard's Complete Health Insurance Plan, the insured person will be entitled to a complimentary health check-up every year at a network hospital. Additionally, he/she can also participate in health and fitness programs organised by us during the year.

Easy To Purchase
Easy to purchase

You can purchase our ICICI Lombard Complete Health Insurance Plan from the convenience of your home. You can pay the premium online using a debit/credit card, net banking facility, or online payment wallets.

What’s included and what’s not?

  • Inclusions
  • Exclusions
  • Hospitalisation expenses occurring due to illness or accidental injuries. It includes room rent, doctor's fees, ICU charges, nursing charges, medicines, and drugs costs.
  • Expenses incurred for the treatment of coronavirus contracted during the policy period.
  • Expenses incurred for day-care treatments such as radiotherapy, chemotherapy, dialysis etc.
  • Expenses incurred for AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathic) treatment at a recognised hospital or institute.
  • Pre and post hospitalisation expenses incurred by the policyholder - up to 30 days before admission and up to 60 days after discharge.
  • Ambulance charges for transportation to the nearest hospital.
  • Expenses incurred for the treatment of critical illnesses such as cancer, heart attack, kidney failure and paralysis, among others.
  • In-patient hospitalisation expenses for an organ donor (if required).
  • Treatment of pre-existing diseases until the waiting period is over.
  • Cost of dental treatment unless arising due to an accidental injury.
  • Expenses incurred for the treatment of self-inflicted injuries.
  • Expenses incurred for the treatment of HIV-AIDS.
  • Treatment of injuries caused due to a civil war.
  • Expenses incurred for hospitalisation without the doctor's recommendation.
  • Expenses incurred for cosmetic surgeries.
  • Loss/damage due to war, mutiny or nuclear risk.

This is only an indicative list. For a complete list of exclusions, please read the policy wordings.

What to consider while buying health insurance policy for senior citizens

Listed below are some of the things you should consider while buying health insurance policy for senior citizens:

1
Sum insured

The sum insured refers to the maximum amount you can claim towards a health insurance policy during a year. Since senior citizens are at a greater risk of catching illnesses and infections, it's better to opt for the policy offering a high sum insured. With ICICI Lombard Complete Health Insurance Policy, you can get a coverage of up to ₹20 lakhs.

2
Maximum entry age

The insured person's maximum entry age is a critical aspect of any senior citizen health insurance policy. Pick a plan that allows entry at the maximum age and provides coverage for the longest tenure. ICICI Lombard's Complete Health Insurance Plan offers coverage for senior citizens with lifetime renewability.

3
Waiting period

The waiting period refers to the initial period when the policyholder cannot make a claim. This is before the coverage for pre-existing illnesses kicks in. A senior citizen can require treatment for a pre-existing ailment any time and hence, opting for a policy with the least waiting period is a wise idea.

4
Network of hospitals

One of the advantages of a health insurance policy for senior citizens is that it offers cashless treatment facility at any network hospital. Hence, opt for the policy with a broad network of hospitals, including the major ones in your vicinity.

5
Top-up plan

If you want to opt for enhanced protection, you can also go for our super top-up plan, Health Booster. This top-up insurance comes with a higher sum insured for better financial protection in case of a crisis.

How to file a claim under health insurance for senior citizens?

With ICICI Lombard's Complete Health Insurance policy, you can file a claim in three simple steps:

1
Intimate

You need to intimate us about the hospitalisation through any of the following methods:

2
Verify

You're required to furnish the relevant documents to support your claim. You can either upload the documents online on our web portal or visit our nearest branch.

3
Settlement

We'll settle your claim as per the due procedure.

Frequently asked questions about health insurance for senior citizens

what is a senior citizen health insurance policy?

 

A senior citizen health insurance policy covers the healthcare needs of senior citizens. These plans cover all medical expenses incurred by the insured person, including hospitalisation, day-care procedures, critical illnesses and AYUSH treatments. Some plans also cover domiciliary care.

why should you buy health insurance for senior citizens?

 

We all know that as we grow old, our body becomes weak, and the risk of catching infections and illnesses increases. This fact, coupled with the rising healthcare inflation in our country, means that aged people may incur very high healthcare expenses during the golden years of their lives. And in the absence of a regular income, bearing these costs can become too complicated. That is why buying a health insurance plan for senior citizens is considered a wise move.

what should i look out for in a senior citizen medical insurance policy?

 

While buying a senior citizen health insurance policy, the first thing you need to look is the sum insured it's offering. It should be adequate to meet the high medical costs for the treatment of older people. It would be best if you also looked at the co-pay clause, deductibles, and sub-limits. Also, check for additional benefits like OPD cover, complementary annual health check-up, and the insurer's network hospitals. It would also help if you compare various plans online before choosing one for yourself or your family members.

Do i need to go through medical screening before purchasing a senior citizen health plan?

 

It is subject to the underwriting guidelines of the respective company, and it depends upon the insured case. Once you take a quote on our site, we will evaluate your case based on your inputs. We may then suggest a medical check-up, and if all goes well, we will issue a health policy to you.

how is a senior citizen health insurance policy beneficial?

 

A senior citizen health insurance policy is designed to provide financial security to the elderly against unforeseen medical expenses. Hence, such policies safeguard their hard-earned savings from getting drained due to medical emergencies and even accidents. Additionally, senior citizens' health insurance policies provide certain tax benefits under section 80D of the Income Tax Act of 1961.

what is the right time to buy a senior citizen health insurance policy?

 

You should purchase a senior citizen health insurance policy as soon as you can. As you grow older, you may catch more illnesses which may result in increased premiums. Some insurers may even deny issuing a health insurance policy to the senior citizens after a specific age limit.

can i include my senior parents in my family floater policy?

 

Yes. You can include parents in ICICI Lombard Complete Health Insurance family floater policy. For senior citizens, we may recommend a medical check-up (subject to our underwriting guidelines) and review medical history in depth.

how to choose the right sum insured?

 

It would help if you opted for a sum insured which must be adequate to cover all healthcare expenses you or your senior citizen parents may incur during a year. If your parents are already suffering from pre-existing illnesses or if they have a history of medical complications, you should go for a high sum insured, i.e., ₹10 lakhs or more. You should also consider your parents' lifestyle and personal habits while choosing the sum insured for their senior citizen health insurance policy.

how is the premium calculated for senior citizen health insurance?

 

The premium for a senior citizen health insurance plan is calculated based on the following factors:
- Age of the insured: As the insured person's age increases, the risk of health issues also increases. Hence, the premium goes up.
- Pre-existing diseases: If the insured person has no pre-existing conditions when buying the policy, the insurer may ask for a lower premium. Conversely, the premium may become high if the insured person has a pre-existing ailment.
- Lifestyle: If the insured person is leading a healthy lifestyle, the premium may be lower. On the other hand, habits like smoking, drinking, etc., may increase the premium amount.
- City of residence: The insurance companies usually ask for a higher premium from those living in metropolitan cities than those belonging to non-metro locations.