Senior Citizen Health Plans

Go ahead and indulge yourself after retirement, and leave your health-related costs to our Senior Citizen health plans
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OneInsure Benefits

Buying a Senior Citizen health plan is not the end of your journey, and we understand that. With OneInsure, experience the new way of purchasing, managing, and getting service support on all types of policies.

Claim Assistance

Right from keeping your policies claim ready till claim settlement, we got everything covered!

Service & Support

Round the clock assistance from our team of subject matter experts on all types of health policies for a lifetime

Competitive Rates

Compare health insurance plans and get the right policy at the most competitive rates

OneInsure App

Experience the ease of managing your policies from anywhere and anytime

Buying Advice from the Pros

Here are some time-tested nuggets of wisdom from the desk of our in-house insurance gurus

Coverage – The Higher the Better

Advancing age makes you more susceptible to illnesses. Thus, having a health insurance policy after 60 is vital. Ensure the policy offers maximum coverage and has little or no exceptions and sub-limits.

Waiting Periods – The Lower the Better

Insurers cover expenses for pre-existing conditions only after the relevant waiting periods are over. It is wise to choose a plan with shorter waiting periods.

As Far as Possible, No Co-payment

Most senior citizen health insurance plans come with a co-payment clause, which means a certain percentage of the total claim amount will have to be borne by the policyholder. 20% or lower is ideal.

Why Senior Citizen Health Plans Are Your Safety Net after Age 60

With healthcare- and hospital-related expenses rising after the age of 60, you need a safety net to ensure your life’s savings are not wiped out due to hospitalization

Financial Security

A health insurance policy not only provides timely medical attention but also helps you beat skyrocketing hospital bills since hospital visits become frequent with increasing age.

Quality Treatment

With a health insurance plan by your side, you can be rest assured you will receive quality treatment at a hospital of your choice as it provides adequate coverage at nominal premiums.

Tax Benefits

Apart from providing financial security during medical emergencies, a health insurance plan also provides attractive tax benefits under Section 80(D).


Know what you are buying! Before you make up your mind about your policy, it is recommended to go through our FAQs to understand the different aspects of the policy you intend to buy.

What is a Senior Citizen mediclaim Policy?
Managing hospital expenses is becoming alarmingly tough, especially for senior citizens, as hospital visits tend to increase with growing age. In such a scenario, having a financial backup that can take care of emergency medical expenses becomes important.
A mediclaim policy for senior citizens is a financial backup that provides health insurance for senior citizens above 60 years of age. It helps manage skyrocketing hospital bills. Under this plan, you can also benefit from cashless medical treatment, provided you avail the treatment at a network hospital.
One must note that the premium under a mediclaim for senior citizens is relatively higher than a regular health insurance policy.
What to check before buying a mediclaim policy for senior citizens?
Before signing up for any senior citizen mediclaim policy, check these important features:
  • Coverage amount – The coverage amount is the maximum sum insured offered under a mediclaim policy for senior citizens. Choose a high coverage amount.
  • Premiums – Premiums under a senior citizen mediclaim policy tend to be higher. But if you’re a healthy senior citizen, then you can benefit from lower premium rates.
  • Waiting periods – There’s an initial waiting period of 30 days that you will have to serve before getting covered under your mediclaim policy. Besides, there will be a 3- to 4-year waiting period in case of pre-existing illnesses. Look for plans with a lower waiting period.
  • Co-payment clause – Most medical insurance for senior citizens have the co-payment clause. Let’s understand this clause with the help of an example: If the policy has a co-pay clause of 20%, it would mean that you have to bear 20% of the medical costs, while the remaining 80% will be paid by the insurance company.
These are the most important features you need to look into while purchasing health insurance for senior citizens above 60 years of age.
What are the documents required for Senior Citizen’s Health Insurance?
You will require the following documents while purchasing health insurance for senior citizens:
  • Age proof – PAN card, Voter ID card, Driving License, School/College Leaving Certificate
  • Address proof – Utility bill, Passport, Ration Card, Electricity bill
  • Identity proof – Driving Licence, Voter ID card, PAN card
  • Medical test reports – Medical reports of the medical examination that you underwent to get covered under the desired mediclaim policy
  • Proposal form – After you have filled in the required information
As a senior citizen, will I have to go through medical examinations before I buy a health plan?
The older you are, the more prone to ailments you become. This increases the risk factor for insurance companies. So, they have you go through a medical examination to detect if you have pre-existing ailments.
In case you do, they will put waiting periods of 3 to 4 years on those ailment under your medical insurance. This might also increase your premium amount. Nevertheless, it is always best to have a mediclaim policy in place.
How to avail the cashless facility under health insurance for senior citizens?
To avail cashless medical treatment under mediclaim policies for senior citizens, follow these steps:
In case of planned treatments:
  • Intimate your insurer at least 4 days prior to availing the medical treatment.
  • Submit the cashless claim request form at the relevant address.
  • The insurance company will inform you and the concerned hospital regarding the claim eligibility under your policy.
  • On the day of the hospitalization, carry your health insurance card and the confirmation letter received from your insurer to avail the cashless facility.
In case of emergency hospitalization:
  • Intimate your insurer as soon as you need to get hospitalized.
  • Go to the nearest network hospital. Don’t forget to carry your health insurance card.
  • Show your health insurance card at the network hospital so they can go ahead with the filing and they can send your cashless claim request form to the insurer.
  • The insurer will then send a letter to the hospital confirming whether the claim is approved or rejected.