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Various health insurance companies who provide insurance in India. Get free health insurance quote today from best health insurance companies in India for your entire family insurance plans Get Cashless medical insurance hospitalizaton form most of insurance companies plan Free medical treatment during hospitalization Peace of mind with health insurance policy
For Comparative Insurance Quote: Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email: ria1@surekhae.com
Senior Citizens Health Insurance (Mediclaim Policy) in India
(1) Senior Citizen Mediclaim Policy over 60 years   (2) Premium Comparative Chart of Senior Citizens
(3) Policy Wording/ Proposal Form/ Brochure Senior Citizens   (4) Senior Citizens Policy Coverage
(5) Required Medical Test List (Pre Acceptance Health Checkup)      
(6) Product details of Various Companies for Senior Citizens Health Insurance
 
General/ Health Insurance Companies Products
4- Senior Citizens Policy Coverage in India
Best Options available for Senior Citizen health insurance policy in India from different insurance company
Most of the Insurance Ccompanies do not issue health insurance policy to senior citizens in India. Bajaj Allianz, National, New India, Star Health,Oriental, United & Max Bupa are issuing policies to those who are above 60 yrs.
1. Max limit of sum assured is fixed
2. Concept of Co pay is introduced.It means that under normal policy if a person of 50 yrs is hospitalized then his full bill will be paid by the insurance Co. But in case he is a senior citizen then he himself will have to pay certain % and is explained below.
3. Limits on Claim amounts are fixed by most of the Co's
Full details of the Policies are as follows.
Company Name Bajaj Allianz National Insurance New India Oriental Star Health United India Max Bupa Health Insurance
Policy Name Silver Health- Health Cover for Seniors Varistha Mediclaim for Senior Citizens Senior Citizens Mediclaim Policy Hope- Health of Privileged Elder Senior Citizen Red Carpet (Health Cover for Seniors) Health Insurance Policy (Silver) Heart Beat
Max.Sum Insured Available Rs.5 Lakhs Rs.1 Lakh Rs.1.5 Lakh Min.1 Lakh & Max. 5 Lakhs Rs.1 Lakh & Rs. 5 Lakhs Min. Rs. 1 Lakh, Max. Rs. 3 Lakhs Min. Rs. 2 Lakhs & Max. 50 Lakhs
Medical Tests Yes, Pre-acceptance medical tests at the cost of proposer the amount will be paid to client if proposal is accepted. (1)Blood/ Urine Sugar
(2)Blood Pressure
(3)Echo-cardiography
4)Eye checkup including Retinoscopy
(1)C.B.C.
(2)Blood Sugar(PP & Fasting)
(3)SGPT
(4)SGOT
(5)Cholesterol
(6)Triglycerides
(7)Serum Creatinine
(8)Urine Routine
(9)ECG
(10)X-Ray Chest PA View (11)Physical Clinical Check up
(12)Eye Check up for Cataract & Glaucoma
(13)Pap Smear Test
(1)Physical Examination
(2)Urine (Microalbumin Urea)
3)Glycocylated Haemoglobin
(4)Ultrasonography (Whole Abdomen and Pelvis)
(5)X-Ray both Knees (Anteposterior and Latrel)
(6)Complete Eye Test including Fundus etc Stress Test (TMT)
(a)Not Required
(b)If tests are got done then discount of 10% on premium will be given.
(1)Stress Thallium Report
(2)BP Report
(3)Sugar (Blood & Urine)
(4)Blood urea & creatinine Self-Declaration or Certification that surgeries related to Heart / Brain / Cancer has / have not been done in the past.
The following pre-acceptance health check-ups as indicated below at his own cost has to be submitted :
(1)Medical Examination
(2)CBC & ESR
(3)Urine Routine & Microscopic
(4)Cholesterol
(5)SGPT
(6)Sr. Creatinine
(7)ECG
(8)Stress Test
(1)Diabetes
(2)Blood Pressure,
(3)Blood/ Urine Test, Etc.
Entry Age 46 to 70 Years 60 to 80 Years 60 to 80 Years 60 Years and above (10% loading will be charged for new entrants to the policy) 60 to 69 Years 61 to 80 Years No Limit
Renewal will be allowed Upto 75 Years 90 Years Upto age 90 Years 80 & above Life Long Renewal Renewal beyond 80 yrs Life Long Renewal
Conditions of Policy covers Co Pay 20% of co-pay is applicable in case of treatment taken in other than network hospital. Waiver of co-payment available on payment of additional premium. Yes it is applicable @ 10 % of claim Amount Yes it is applicable @ 10% of each & every claim Amount Yes, 20 % all claims lodged amount 50% for those who didnot go in for medical examination Co-pay of 80:20 is applicable in respect of all hospitalisation for major illnesses where the charges are as a total package. Above 65 yrs 20% Co-pay
Room Rent  Not Specified 1% of Sum Insured per day Not Specified 1% of Sum Insured per day 1% of Sum Insured subject to Rs. 4000 per day 1% Sum Insured per day For Rs.2-3 Lakhs-Shared room, For Rs. 5-10 Lakhs-Single room, Above 10 Lakhs - Single room
ICU expenses Not Specified 2% of Sum Insured per day overall limit 25% of the Sum Insured per illness/ injury Up to 2% of Sum Insured per day/ Overall limit : 25% of the Sum Insured 2% of Sum Insured per day 2% of Sum Insured per day 2% of Sum Insured per day No limit
Pre Hospitalisation 3% if Hospitalization exp. will be paid for pre & post hospitalization 30 days Actual pre-hospitalisation medical charges of up to 30 days period immediately before the insured’s admission to hospital for that illness, subject to maximum 5% of hospital bill. 30 days Not Covered Actual expenses or subject to max. 10% of S.I., whichever is less 30 days (Limit Specified)
Post Hospitalisation 3% if hopitalization exp. will be paid for pre & post hospitalization 60 days Actual post-hospitalisation medical charges of up to 60 days period immediately after the insured’s discharge from a hospital for that illness or injury, subject to maximum of 10% of hospital bill. 60 days 7% of hospitalization expenses, subject to max. Rs. 5000 @ per occurance Actual expenses or subject to max. 10% of Sum Insured, whichever is less  60 days (Limit Specified)
Special Condition Pre-existing covered from 2nd year. The Company's liability an case of any pre-existing illness from the second year of the policy would be restricted to 50% of the limit of indemnity in a policy year. The company reserve the right to review the premium rate, term & conditions of this policy at the time of renewal   Treatment at Network Hospital Only   Expenses in respect of specified illness viz.Cataract, Hernia, Hysterectomy, Major surgery-Angioplasty and Pre & Post-Hospitalisation treatment is restricted as a percentage of sum insured subject to an overall cap.  2 yrs waiting period for specified illness
For more information read the company's brochure/policy wording
Comparative Continue page 2
Last Updated on Aug,2012
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