Seniors are the most important part of every family and in everyone’s life as they spend their whole life for their children, sacrifice their dreams and work hard to raise them as respectable persons in the society. Their age is the proof of their important roles in the family, is the proof that they now need some extra care and protection from the other young members of the family. It is said that, old age is the second childhood as people lost their all energies and strength to work and take care of them so it becomes the responsibility of the other members to take a good care. The best way to keep their health secure is to gift them a senior health insurance policy that will be there in the time of serious illness as old age is the time when people often get affected with various diseases.

There are lots of health insurance companies in India and they provide different facilities for the seniors so it becomes a confusing matter to choose a plan among them that will be suitable for them. So here is a simple way to choose a right a senior insurance policy for the senior citizens of India that is discussed below.

Ways to compare health insurance plans for senior citizens

Now-a-days every work is done with the online process which is an effortlessly easy and time lacking process and there are lots of online policies upon senior health insurance policies. Those online policies come with guidance and lots of other options for the viewers, so that anyone can easily view them and compare to get the suitable plan for his/her parents. It is a quite easy process as there are open details about everything and they can compare offers, calculate premiums and view the benefits before finalizing one.

Features to compare health insurance plans for senior citizens

•   Lifetime endurance

A good senior health insurance plan should have lifetime endurance or renewability where the plans can be getting renewed for lifetime without any problem. It also gives continuous benefits in the same of policy.

•   Co –payment

It is a very normal feature in most of the health insurance plans where the insured pays an affordable amount for health care services and insurance providers charge co-pays services for fees or medicines which help the insured to reduce premium amount.

•   No boundary on entry and age

In case of comparing the senior citizen health insurance plans in India, it is mandatory to check no entry and exit age restrictions which allow to buy the policy at any age and opportunity to discontinue at any time.

•   Waiting period for pre-existing illness

It refers to the long period of time after getting any health insurance plan that bounds to wait before using full coverage.

Source

www.hdfcergo.com