Health insurance goes beyond hospitalization—it covers OPD visits, medicines, ambulance charges, preventive checkups, and even alternative treatments, giving you all-around financial security.
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Health plans from leading insurers | Comprehensive coverage | Offers multiple optional add-ons to enhance coverage
Senior Citizens Health Insurance Plan
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Designed for age 60 and above
Specifically tailored for individuals aged 60 years and above, these plans address age-related health risks, offering financial protection against rising medical expenses in later years.
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Comprehensive hospitalisation coverage
Covers expenses related to hospital stays including room rent, ICU charges, doctor fees, surgeries, and medication—ensuring complete care during medical emergencies.
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Coverage for Pre-existing Diseases
Most plans provide coverage for pre-existing conditions such as diabetes, hypertension, and heart ailments after a defined waiting period, making them suitable for elderly individuals.
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Cashless Treatment Across Network Hospitals
Enables hassle-free treatment at a wide network of hospitals where bills are settled directly with the insurer, reducing out-of-pocket expenses.
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Latest update about senior citizen health insurance
On January 30, 2025, the Insurance Regulatory and Development Authority of India (IRDAI) issued a directive capping premium hikes on senior citizen mediclaim policies. As per the new mandate, insurers cannot increase premiums by more than 10% annually without obtaining prior approval from the regulator. Additionally, any intent to discontinue a senior citizen health insurance policy must also receive IRDAI's approval beforehand.
Earlier, on September 12, 2024, the Union Cabinet made a landmark announcement to expand the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY). Under this decision, all senior citizens aged 70 and above are now eligible for free health insurance coverage of up to Rs. 5 lakh per family per year on a floater basis. This move is expected to benefit nearly 6 crore senior citizens across the country.
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Pro tip
Importance of senior citizen health insurance for the elderly
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Financial protection
Covers hospitalization and treatment expenses, reducing out-of-pocket costs.
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Coverage for critical illnesses
Many plans include protection against serious conditions like cancer and heart disease.
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Prescription drug coverage
Assists in managing the cost of necessary medications.
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Access to teleconsultations
Provides convenient medical consultations from home.
By carefully considering these factors, you can select a plan that best suits health insurance needs
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Why do you need health insurance plans for senior citizens?
Health insurance for senior citizens is essential to ensure financial stability and access to quality healthcare during the golden years. These plans provide comprehensive coverage tailored to meet the unique health needs of older individuals.
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Meet the rising healthcare costs
Healthcare costs are steadily increasing, making it challenging for senior citizens to manage medical expenses. Health insurance offers financial protection, covering hospitalisation and treatment costs, reducing the burden on savings.
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Critical illness cover
Senior citizen health insurance plans often include coverage for critical illnesses such as cancer, heart diseases, or kidney failure. This feature ensures that the insured can access advanced treatments without worrying about exorbitant costs.
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Annual health check-up facilities
Most health insurance policies for senior citizens provide annual health check-ups. These preventive services help monitor overall health and detect potential illnesses early, promoting better health management.
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Beats inflation
With inflation affecting healthcare costs, a well-designed senior citizen health insurance policy ensures that medical expenses remain manageable. The sum insured in these plans accounts for rising treatment costs, helping seniors maintain financial security while accessing the best possible healthcare.
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Top things to consider when buying a medical policy for senior citizens
Check for the following things before buying medical insurance for senior citizens:
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Daycare treatments
Check if the medical insurance for senior citizens includes coverage for daycare treatments. Know the list of daycare treatments against which you can avail coverage. Daycare treatments offer advanced medical treatments and surgeries that require hospitalisation for less than 24 hours. These include dialysis, chemotherapy, radiotherapy, and more.
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Policy renewability
Opt for a policy that offers lifetime renewability, as it ensures continuous coverage without age restrictions. Lifetime renewability is crucial for seniors, providing long-term health security and peace of mind.
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Policy inclusions and exclusions
Carefully review the policy's inclusions and exclusions. Look for coverage of common senior health issues and be aware of any exclusions, as these define the scope of medical support and prevent claim-related surprises.
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Enhancement of sum insured
Consider plans that offer a sum insured enhancement option, either annually or as a reward for claim-free years. This feature increases coverage over time, aligning with potential rising healthcare needs of seniors.
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Maximum age of entry
Check the maximum age of entry for the policy. Some plans allow enrollment up to 80 years or more, ensuring that even elderly seniors can secure health coverage.
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Cashless hospitals
Check the list of network hospitals where you can avail of cashless treatment. Insurance companies tie up with several hospitals across the country to offer cashless treatment facility. This enables you to get the treatment without worrying making immediate payment or arranging funds.
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Easy claim settlement process
You must know the entire claim settlement process of the insurance company. This will help you understand the efficacy of claim settlement, helping you avoid any hassle when raising a claim.
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Free health check-up facility
Most medical insurance policies for senior citizens offers free annual health check-up facility. This facility in mediclaim for senior citizens helps you to track the health record of senior citizens. It ensures you know about any occurrence of serious illnesses, so you get immediate medical attention.
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Waiting period for pre-existing diseases
Check the duration of the waiting period for pre-existing diseases. You can avail of the coverage only when the waiting period gets over. Hence, know the duration so your claims do not get rejected if made during the waiting period for the mentioned diseases.
By considering these factors you can choose a plan for your loved ones
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What is covered in a health insurance plan for senior citizens?
Health insurance for senior citizens includes hospitalisation and health benefits ranging from domiciliary treatment to coverage of diagnostic tests. Below are some key benefits of the best health insurance plans for senior citizens:
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Coverage of hospital expenses
Senior citizens’ health insurance covers various hospital expenses. Get coverage for doctor fees, nursing fees, medicines, and drugs. It also covers room charges and ICU charges. Some health insurance policies also cover the fees of other medical staff. These include anesthetists, surgeons, consultants, and specialists.
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Daycare treatments
Covers treatments that require hospitalisation for less than 24 hours. These include chemotherapy, dialysis, and physiotherapy.
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Cover for AYUSH treatments
Ayurveda, yoga, unani, siddha, and homoeopathy (AYUSH) treatments are alternative medical options available and preferred by many seniors. Many health insurance policies for senior citizens also cover AYUSH expenses.
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Modern treatments
Most health insurance plans for senior citizens also cover modern treatments. These include immunotherapy, stem cell therapy, robotic surgeries and more.
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Donor expenses
Health insurance policies cover the treatment cost of the organ donor. You can avail this benefit in case an organ transplant is required.
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Other medical expenses
Medical insurance for senior citizens also covers other expenses such as medical appliances, blood transfusion, operation theatre, pacemakers, and stents. Also, various tests like X-rays, blood tests, or other expensive tests.
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What our customer say about us
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Reviews
Arjun Mehta
13 Jul 2025
I opted for the Health Infinity plan for my parents. The digital onboarding was incredibly fast with no medical tests required since they are under 50. We had a minor daycare procedure last month, and the cashless approval came through in less than 2 hours. Very impressed with the efficiency.
Priya Sharma
28 Feb 2025
The Bajaj Finserv Health app is a lifesaver. I use it for my regular OPD consultations and medicine orders. The 10% discount on pharmacy bills and the easy reimbursement for doctor visits make it much more than just a "hospitalization" policy. It’s daily health support.
Sneha Kapoor
15 Mar 2025
Switched my family floater to Bajaj General this year. The network of hospitals in my city (Pune) is excellent. The only downside was a slight delay in getting my physical card, but the digital copy on the app works everywhere. The "Wellness Rewards" for hitting step goals is a cool touch!
What is not covered in a health insurance plan for senior citizens?
Below are some key exclusions under health insurance for senior citizens:
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Pre-existing diseases
It covers pre-existing diseases in the second year of the policy. In a few cases, it can be from the third or fourth year.
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Cosmetic treatments and non-allopathic medicines
It does not cover non-allopathic medicines, cosmetic, aesthetic, or related treatments.
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Diseases contracted during the first 30 days
It does not cover any disease contracted during the first 30 days of the policy.
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Injuries from war or army acts
The policy excludes coverage for injuries caused by war, military operations, or similar activities.
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Dental or vision costs
Routine dental or vision-related treatments, including spectacles or contact lenses, are not included in the policy coverage.
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AIDS treatment costs
Costs related to the treatment of AIDS and associated disorders are not covered under senior citizen health insurance.
Other exclusions
It excludes AIDS and related disorders, and expenses related to self-inflicted injuries. Also, any expenses due to the addiction to drugs, alcohol or any mental or psychiatric illness.
Bajaj Finance Limited along with leading insurance providers offers a range of health insurance policies at affordable premiums. You can choose from any of the health insurance policies and stay financially secure.
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Frequently Asked Questions
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Coverage and Benefits
Costs and Premiums
Taxation and Government Schemes
Claims and Policy Management
What is a senior citizen health insurance policy?
Senior citizens health insurance caters to the medical needs of a senior citizen. The health insurance plan covers the treatment expenses of senior citizens. Get coverage for hospitalisation, pre-and post-hospitalisation, and medicines. It also covers diagnostic tests, and other medical-related expenses. Many senior citizens health insurance plans cover the expenses of modern and traditional treatments. You also get coverage for daycare treatments.
Is there a maximum age limit for these plans?
While the minimum is 60, many plans now offer "No maximum age limit" for entry, though this can vary by specific insurer and product.
Do I need to undergo medical screening before purchasing?
Yes, most companies require a full-body health check-up or pre-insurance medical test reports before issuing a policy to a senior citizen to assess risk and customize coverage.
What is covered under senior citizen health insurance?
Coverage typically includes inpatient hospitalization, doctor fees, ICU charges, nursing fees, and medical appliances. It also covers:
- Daycare treatments: Procedures like dialysis or chemotherapy requiring less than 24-hour stay.
- Pre and Post-hospitalization: Expenses incurred before and after the hospital stay.
- AYUSH treatments: Alternative medicine like Ayurveda, Homeopathy, and Yoga.
- Modern treatments: Robotic surgeries, stem cell therapy, etc.
Is cashless hospitalization available?
Yes, almost every senior citizen policy offers cashless treatment at the insurer’s network of hospitals.
Are free annual health check-ups included?
Yes, some insurance partners offer free annual health check-ups as part of the policy to help monitor vital health statistics.
How much does health insurance for senior citizens cost?
Premiums are generally higher than standard plans because they reflect the higher health risks associated with age. Costs depend on entry age, pre-existing diseases, gender, and the chosen sum insured.
Is there a limit on premium hikes?
As per the IRDAI directive (Jan 2025), insurers cannot increase premiums by more than 10% annually without prior approval from the regulator.
What are the tax benefits under Section 80D?
Senior citizens (or children paying for them) can claim tax deductions of up to ₹50,000 for premiums paid. If a senior citizen has no insurance, they can claim deductions for actual medical expenditures supported by bills.
What is Section 80DDB?
This section allows a separate tax deduction for expenses incurred on specified diseases (like cancer or Parkinson's). A valid prescription from a specialist is required.
Is Pradhan Mantri health insurance available?
Yes. Under the AB-PMJAY (Ayushman Bharat) expansion announced in late 2024, all senior citizens aged 70 and above are eligible for free health coverage of up to ₹5 lakh per family per year on a floater basis.
With whom should I submit claim documents?
Thanks to digitalization, you can raise claims online. You can contact the insurer directly for both cashless approvals and reimbursement claims.
Is it worth buying even if premiums are high?
Yes, it is considered a vital investment because it protects retirement savings from being wiped out by high medical inflation and lifestyle-related diseases common in old age.
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