About Senior Citizen Health Insurance and its crucibles
Health insurance for senior citizens in India is offered by different insurance companies to financially secure those who are aged 65 years and above. They are designed to cover all kinds of medical expenses that are incurred by the policy holder.
It is crucial to buy health insurance for senior citizens in India due to some reasons. They are discussed here
After an age, a person wishes to retire and survive on the pension or the interest earned from savings. But growing older attracts aliments and contraction of diseases.
Though falling sick is parallel with aging, one can still plan to ensure all the urgent medical expenditure is taken care of in a systematic and hassle-free way.
Sudden crisis can come in terms of aliments and can be a huge financial blow to a family. If the older person doesn’t have any insurance plan that will leave a big negative effect on family. That’s why a senior health insurance plan is always needed to survive in this situation, and a health insurance plan can start the treatment fast.
The benefits of choosing best health insurance plan for senior citizens are as follows
Enjoy higher sum insured benefit
Get tax benefit on health insurance premiums
Day-care costs which arise due to use of special equipment while treating procedures such as dialysis and chemotherapy are covered
Avail health check up annually
Cashless hospitalization can be availed if patient admitted for more than 24 hours etc.
How to select the best health insurance plan for people above 60?
For the best care and health insurance plans for aged people some basic things should keep in mind
It is needed to know the medical conditions of the senior citizen patients. As they are not able to remember properly about their previous medical history it is always better to cross-check before claiming the insurance.
There are several of plans are bin market and they are also available online. So always compare between the policies and verify their originality.
While selecting the policy, always filling up the relevant and accurate information is important. Incorrect information may cause problem and can reject the application.
The inured would have to undergo a medical screening after submitting the proposal form. The doctors of panel of the company would verify the information and after the proper medical tests one can get a health insurance. Some of the tests include: lipid p [profile, blood routine, sugar, urine routine, kidney and liver function etc.
How to compare the senior citizen plans?
There are some types of policy a person wishes to avail depend primarily on
The things are not covered under senior citizen health insurance are
Any diseases contracted within 30 days of availing the policy
Any non-allopathic treatment
Expenses related to injuries caused by own self
Expenses related to drug abuse
Any pre-existing injuries etc.
Exclusions of senior citizen health insurance
Sometimes, the insurance company may hike the premium of the senior citizen health plan if the policy holder is found to consume alcohol, tobacco, or be involved in other activities that can deteriorate their health conditions.