Senior Citizen Health Insurance Plan: Buy Mediclaim Policy for 60+

Name: Senior Citizen Health Insurance
Brand: ICICI Lombard
Rating: 4.5 (1008 reviews)

IL TakeCare app – For all your insurance & wellness needs

Policy purchase, claims, renewal & more

Install

1800 2666(Available 24 x 7)
Call Back

Got questions? Let's talk! Share your contact details and we'll give you a call.

Full Name^* Please enter the full name

Mobile no.^* Please enter valid mobile number

Select products^* Please select the product

Submit

Thank You for your interest in our product.

Thank You for your interest in our product. We'll get in touch with you shortly to answer your queries.
Live Chat

Why our customers love us?

And, we think you will too.

10,300+ Healthcare providers^C

With 60 mins^ TAT for cashless hospitalisation

Quick claim intimation

through our IL Take Care app

24x7 customer support

Call centre . Chat . 320+ branches^E

What is a senior citizen health insurance plan?

A senior citizen health insurance plan is a policy designed to cater to the medical needs of people aged 60 and above. It helps senior citizens manage hospital bills, doctor visits, and treatments for age-related health issues. Buying this plan helps senior citizens stay financially cushioned in the event of a medical contingency that can dent their savings and retirement corpus.

Why do you need senior citizen health insurance - Golden Shield?

Senior citizen health insurance policy, Golden Shield, is a cost-effective health plan tailored to meet the specific needs of senior citizens. Golden Shield offers:

Affordable medical care

Golden Shield offers senior citizens access to quality healthcare at an affordable price point. This senior citizen health insurance policy ensures medical services remain within the reach of older individuals and offers them peace of mind.
Coverage for home care

The policy offers coverage for home care treatments up to 5% of the annual sum insured. Seniors sometimes need treatment from the comfort of their homes. Due to their age, it becomes difficult to move them to hospitals. Home care coverage helps senior citizens manage their needs among their near and dear ones.
Medical consultation and health check-ups

The policy offers senior citizens medical consultation and health check-ups with predefined packages at our network providers. This ensures senior citizens can stay on top of their health and any potential ailment can be dealt with at early stages. Through optional covers such as care management programmes, seniors get benefits such as teleconsultation, diet and nutritional e-consultations, etc.
Promote and maintain optimal health

By offering a reset benefit, preventive health check-ups, and incentives associated with vaccination against pneumococcal diseases, this health insurance for senior citizens encourages seniors to stay proactive about their health and promotes long-term wellness.

Benefits of Buying Golden Shield Health Insurance for Senior Citizens

Golden Shield Health Insurance for senior citizens spells multiple benefits to senior citizens. Some of these include:

Medical converge for retirees at affordable premiums

Premiums for the Golden Shield Health Insurance for Senior Citizens are easy on the pocket. The affordable premium for the policy ensures seniors don’t feel the burden of high medical insurance and remain adequately covered.

High sum insured that will be reset if needed

The policy offers a high sum insured with a reset benefit. The sum insured will be reset up to 100% of the annual sum insured once in the policy year for the same illness and unlimited times for multiple diseases.

Coverage for pre-and-post-hospitalisation expenses

This senior citizen health insurance policy covers pre- and post-hospitalisation expenses up to 60 days before hospitalisation and 180 days after discharge from hospital.

Coverage for pre-existing diseases

The policy covers declared and accepted pre-existing diseases after 24 months of continuous coverage.

Cashless treatment facility

With this senior citizen health insurance policy, you can avail yourself of cashless treatment facilities at network and non-network hospitals. This ensures you don’t need to pay cash upfront to access quality healthcare. For cashless hospitalisation in a non-network network hospital, inform at least 48 hours before admission or within 24 hours for emergencies.

Provides tax benefits

Premiums paid towards the policy qualify for tax exemption under section 80D of the Income Tax Act, 1961 under the old tax regime. This helps you lower your tax liability.

Features of Senior Citizen Health Insurance

Health insurance for senior citizens has the following features:

Reset benefit

This insurance ensures you always remain covered with the reset benefit. If you exhaust the sum insured during the policy year, it automatically gets reset.

Coverage for ambulance charges

The policy covers expenses incurred on road ambulance services, which can be up to 1% of the annual sum insured. It also covers air ambulance(s) up to the annual sum insured.

Cashless hospitalisation

Senior citizen health insurance policy offers the facility for cashless hospitalisation, ensuring you get access to quality healthcare without making any upfront payment.

Care management program

Under the care management program, you can avail the following benefits ensuring holistic healthcare:

Teleconsultations
Second e-opinion on critical illnesses
E-counselling
Care calls, goal-based incentives on the outcome of preventive health check-ups
Participation in Yoga/Meditation Sessions/ Completion of Targeted Steps
Medical vault
Health assistance
Ambulance assistance
Discounts on services and products

Coverage for AYUSH treatments

The policy covers medical expenses of in-person AYUSH treatment during the policy period up to the annual sum insured.

Free annual health check up

Free annual health check-ups help detect any potential health issues and take corrective measures as soon as possible.

What’s included and what’s not?

General inclusions in a senior citizen health insurance policy include:

Hospitalisation

The policy covers hospitalisation expenses for more than 24 consecutive hours, as well as pre-and post-hospitalisation costs.
Day care treatment

The policy offers coverage for day care treatments mentioned in the plan.
Modern treatments

Expenses incurred for modern treatments such as immunotherapy, stem cell therapy, robotic surgeries and balloon sinuplasty
Pre & post hospitalisation

Pre-hospitalisation expenses of up to 30 days & post-hospitalisation expenses of up to 7% of hospitalisation expenses.
Donor expenses

Covers medical expenses up to ₹ 10 lakhs incurred in respect of an organ donor's hospitalisation for an organ donated.
Domiciliary hospitalisation & home care treatment

You get coverage for expenses incurred on domiciliary hospitalisation and home care treatment. While domiciliary hospitalisation is covered up to the annual sum insured, home care treatment of up to 5% of the annual insured is covered.
AYUSH treatment

Expenses incurred for AYUSH (Ayurvedic, Yoga and Naturopathy, Unani, Siddha, and Homeopathic) treatment at a recognised hospital or institute.
Ambulance coverage

Road ambulance and air ambulance charges for transportation to the nearest hospital.

Reset Benefit: 100% unlimited reset of Annual Sum insured in a policy year.

Cumulative Bonus: 10% cumulative bonus of the Annual Sum insured at the end of each policy year for a claim-free year.

Optional covers (available at additional premium)

1. Claim protector - Covers items listed as non-payable

2. Modification of base co-payment - Gives you the option to reduce base co-payment from 50% to 40% or 30% or 20%.

3. Voluntary deductible - Offers benefits of teleconsultation, ambulance assistance, health assistance, etc.
4. Care management program
- Tele consultation(s)
- Second e-opinion for critical illness
- Diet and nutrition e-consultation
- E-counselling
- Care calls
- Goal based incentives on outcome of preventive health check-up
- Participation in yoga/meditation sessions/ completion of targeted steps
- Medical vault
- Health assistance (HAT)
- Ambulance assistance
- Discounts on services/products
5. Care management plus program
- Health care professional
- Update to family members
- Out-patient consultations
- Routine diagnostics and minor procedure cover
- Pharmacy cover
- Nursing at home

This list contains major inclusions & exclusions. For the full list, please read our policy document.

What to consider while buying a senior citizen health insurance policy?

Buying health insurance for senior citizens is a crucial decision. You need to consider the following things while buying this plan:

Sum insured

To remain adequately cushioned, opt for a policy with a large sum insured. Factor in the medical expenses in your area of residence and choose a sum insured accordingly.

Maximum entry age

Consider the maximum entry age to ensure you can still get coverage. Some policies have age limits that may prevent older individuals from obtaining insurance. Choosing a plan with a higher maximum entry age helps secure coverage even as you age.

Waiting period

Check the waiting period for ailments, if any, before buying the policy. Some diseases have waiting periods during which their treatment expenses aren’t covered.

Network of hospitals

Check the hospitals empanelled with the insurer where you can avail of cashless treatment facilities. Find out if the best hospital nearest to your home is in the network list or not. Having it helps during emergencies.

Sum insured

To remain adequately cushioned, opt for a policy with a large sum insured. Factor in the medical expenses in your area of residence and choose a sum insured accordingly.

Maximum entry age

Consider the maximum entry age to ensure you can still get coverage. Some policies have age limits that may prevent older individuals from obtaining insurance. Choosing a plan with a higher maximum entry age helps secure coverage even as you age.

Waiting period

Check the waiting period for ailments, if any, before buying the policy. Some diseases have waiting periods during which their treatment expenses aren’t covered.

Network of hospitals

Check the hospitals empanelled with the insurer where you can avail of cashless treatment facilities. Find out if the best hospital nearest to your home is in the network list or not. Having it helps during emergencies.

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

Follow these steps to file a claim under health insurance for senior citizens:

Intimate

Inform us as soon as possible regarding your claim. You can call our toll-free number at

Call 1800 2666 (toll-free)

or email us at customersupport@icicilombard.com
Verify

We'll verify your claim upon filling out the claims form and supporting documents.
Settlement

We’ll settle your claim upon successful verification.

Health insurance blog articles

National Rural Health Mission (NRHM) Guide

The article outlines NRHMs role in enhancing rural healthcare access, improving infrastructure, and offering benefits like ASHA support, free medical services, and critical illness insurance. It also explains eligibility and the online registration process.

02 Jun 2025

Overview of RAN and HMCPF Health Schemes

RAN and HMCPF are central schemes offering financial assistance up to ?15 lakh for BPL patients with life-threatening or cancer conditions in India.

03 Jun 2025

PMBJP: Affordable healthcare for all

PMBJP aims to provide affordable and quality medicines to all through Jan Aushadhi Kendras. It reduces healthcare costs and promotes entrepreneurship and employment in underserved regions.

03 Jun 2025

Reviews and Ratings

Wonderful interaction. The representative really knows what she is doing, which is a must-have quality to persuade customers to make a purchase. She was very helpful during the process and even afterwards. I would give her a 5-star rating for the service.

Great suggestions by your agent. He really knew his stuff and explained the product in a way that gave me complete clarity on the inclusions and exclusions. I am happy that I spoke to him and made ICICI Lombard my insurance provider.

Frequently asked questions about health insurance for senior citizens

What should I look out for in a senior citizen medical insurance policy?

Do I need to undergo medical screening before purchasing a senior citizen health plan?

It depends on the insurer. If you are in the higher age bracket, you might need to undergo medical screening before purchasing the plan.

How is a senior citizen health insurance policy beneficial?

Apart from covering medical expenses arising from hospitalisation, a senior citizen health insurance plan also offers various other benefits, such as domestic road ambulance cover, reset benefit, donor and expenses, pre- and post-hospitalisation expenses, and coverage for modern treatments.

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

Buy the policy as soon as you fall under the senior citizen category. In other words, the earlier you buy, the better it is for you.

How to choose the right sum insured?

Consider potential healthcare costs in your area of residence along with ailments for which you are likely to get hospitalised. It’s wise to have a higher sum insured for adequate cushion.

How is the premium calculated for senior citizen health insurance?

Premiums depend on age, pre-existing diseases, if any, and the sum insured chosen, among others.

Does senior citizen health insurance cost more as you get older?

Yes, premiums rise with age. As you get older, your body becomes vulnerable to various ailments, which increases the insurer's risk.

Do senior citizen health policies include free annual health check-ups?

It varies across policies. However, several policies do offer free annual health check-ups.

Got questions? Let's talk! Share your contact details and we'll give you a call.

Thank You for your interest in our product.

Why our customers love us?

10,300+ Healthcare providersC

Quick claim intimation

24x7 customer support

What is a senior citizen health insurance plan?

Why do you need senior citizen health insurance - Golden Shield?

Golden Shield offers senior citizens access to quality healthcare at an affordable price point. This senior citizen health insurance policy ensures medical services remain within the reach of older individuals and offers them peace of mind.

By offering a reset benefit, preventive health check-ups, and incentives associated with vaccination against pneumococcal diseases, this health insurance for senior citizens encourages seniors to stay proactive about their health and promotes long-term wellness.

Benefits of Buying Golden Shield Health Insurance for Senior Citizens

Medical converge for retirees at affordable premiums

High sum insured that will be reset if needed

Coverage for pre-and-post-hospitalisation expenses

Coverage for pre-existing diseases

Cashless treatment facility

Provides tax benefits

Features of Senior Citizen Health Insurance

Reset benefit

Coverage for ambulance charges

Cashless hospitalisation

Care management program

Coverage for AYUSH treatments

Free annual health check up

What’s included and what’s not?

General inclusions in a senior citizen health insurance policy include:

The policy covers hospitalisation expenses for more than 24 consecutive hours, as well as pre-and post-hospitalisation costs.

The policy offers coverage for day care treatments mentioned in the plan.

Expenses incurred for modern treatments such as immunotherapy, stem cell therapy, robotic surgeries and balloon sinuplasty

Pre-hospitalisation expenses of up to 30 days & post-hospitalisation expenses of up to 7% of hospitalisation expenses.

Covers medical expenses up to ₹ 10 lakhs incurred in respect of an organ donor's hospitalisation for an organ donated.

You get coverage for expenses incurred on domiciliary hospitalisation and home care treatment. While domiciliary hospitalisation is covered up to the annual sum insured, home care treatment of up to 5% of the annual insured is covered.

Expenses incurred for AYUSH (Ayurvedic, Yoga and Naturopathy, Unani, Siddha, and Homeopathic) treatment at a recognised hospital or institute.

Road ambulance and air ambulance charges for transportation to the nearest hospital.

Reset Benefit: 100% unlimited reset of Annual Sum insured in a policy year.

Cumulative Bonus: 10% cumulative bonus of the Annual Sum insured at the end of each policy year for a claim-free year.

1. Claim protector - Covers items listed as non-payable

2. Modification of base co-payment - Gives you the option to reduce base co-payment from 50% to 40% or 30% or 20%.

3. Voluntary deductible - Offers benefits of teleconsultation, ambulance assistance, health assistance, etc.

5. Care management plus program Health care professional Update to family members Out-patient consultations Routine diagnostics and minor procedure cover Pharmacy cover Nursing at home

What to consider while buying a senior citizen health insurance policy?

Sum insured

Maximum entry age

Waiting period

Network of hospitals

Sum insured

Maximum entry age

Waiting period

Network of hospitals

How to file a claim under health insurance for senior citizens? Follow these steps to file a claim under health insurance for senior citizens:

Intimate

Verify

Settlement

Health insurance blog articles

National Rural Health Mission (NRHM) Guide

Overview of RAN and HMCPF Health Schemes

PMBJP: Affordable healthcare for all

Reviews and Ratings

Satheesh Kumar

Praveen

Frequently asked questions about health insurance for senior citizens

What should I look out for in a senior citizen medical insurance policy?

Do I need to undergo medical screening before purchasing a senior citizen health plan?

How is a senior citizen health insurance policy beneficial?

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

How to choose the right sum insured?

How is the premium calculated for senior citizen health insurance?

Does senior citizen health insurance cost more as you get older?

Do senior citizen health policies include free annual health check-ups?

Popular Searches

You don’t want to miss this.

By opting out of WhatsApp communication, you’ll lose out on:

10,300+ Healthcare providers^C

5. Care management plus program

Health care professional

Update to family members

Out-patient consultations

Routine diagnostics and minor procedure cover

Pharmacy cover

Nursing at home

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

Follow these steps to file a claim under health insurance for senior citizens: