Health Insurance for Senior Citizens

Growing age brings wisdom and experience, but it also increases medical needs. A senior citizen health insurance plan helps manage rising healthcare costs without disturbing your savings. It offers financial protection during hospitalisation, treatments, and critical illnesses. With medical inflation increasing every year, having the right coverage becomes essential after 60.

At ManipalCigna Health Insurance, our senior health insurance plans are designed to provide extensive coverage, lifelong renewability, and cashless treatment at a wide hospital network.

Compare Our Senior Citizen Health Insurance Plans

Choose a plan that fits your medical needs and budget. Compare based on coverage, sum insured, premium, and unique benefits.

Plan 1: Prime Senior (Classic / Elite)

• Coverage: In-Patient Hospitalization, Pre & Post Hospitalization Expenses, Day Care Treatment,
• Domiciliary Treatment
• Sum Insured: Rs. 3L - 50L with Classic Plan and Rs. 5L to -50L with Elite Plan
• Premium: Affordable and based on age, plan variant, and sum insured
• Unique Benefits: Restoration, Premium Waiver Benefit, Guaranteed Cumulative Bonus

Plan 2: Sarvah Param

• Coverage: In-patient Care, ICU Charges, Day Care Procedures, AYUSH Treatment, Donor Expenses
• Sum Insured: Rs. 5 Lac - Rs. 3 Cr
• Premium: Based on age, medical profile, and opted sum insured
• Unique Benefits: Guaranteed Cumulative Bonus, Coverage on Non-Medical Expenses and Durable Medical Equipment, Personal Accident

Plan 3: Lifetime Health 

• Coverage: In-Patient Hospitalization, Global Coverage, Road and Air Ambulance Charges
• Sum Insured: Rs. 50 Lacs to 3 Cr
• Premium: Designed for long-term affordability
• Unique Benefits: Lifelong renewability, tax benefits eligibility

Why Choose ManipalCigna for Senior Health Insurance? 

With decades of experience in health insurance, ManipalCigna Health Insurance ensures reliable and transparent services.

95%+ Claim Settlement Ratio 

A high claim settlement ratio reflects our commitment to process and settle genuine claims efficiently, giving policyholders confidence during medical emergencies.

8500+ Network Hospitals 

Access cashless treatment at more than 8500 hospitals across the country, ensuring quality healthcare without immediate out-of-pocket payments.

IRDAI Approved UIN 

All our health insurance products are registered with the regulatory authority and come with a valid UIN, ensuring compliance and transparency.

Years of Industry Experience 

With extensive experience in health insurance, we understand the specific healthcare needs of senior citizens and design plans accordingly.

24x7 Customer Assistance 

Round-the-clock customer support is available to assist with policy queries, hospitalisation guidance, and claim-related support whenever required.

Overview of Senior Citizen Health Insurance Plans 

• A transparent overview to help you understand what the policy includes before you decide.
• Entry age eligibility for senior citizens
• Coverage for hospitalisation expenses
• Waiting periods and exclusions
• Co-payment clauses, if applicable
• Renewal benefits and continuity advantages

Key Benefits of ManipalCigna Senior Health Insurance Policy 

Designed to address the most common healthcare concerns faced during senior years.

• Coverage for hospitalisation and medical treatments
• Lifelong renewability option
• Cumulative bonus for claim-free years
• Tax benefits under Section 80D
• Optional add-ons for enhanced protection
• Wide hospital network for a cashless facility
• Day care treatments
• Emergency ambulance cover

Policy Details of ManipalCigna Senior Citizen Health Plan 

• Before buying a senior health insurance policy, understanding policy details is important.
• Entry age criteria
• Waiting period for pre-existing diseases
• Co-payment clauses (if applicable)
• Room rent limits
• Exclusions and sub-limits
• Renewal conditions

Optional Add-ons for Enhanced Protection 

Upgrade Your Senior Citizen Mediclaim Policy with Essential Add-ons

Enhance your existing coverage with additional protection suited to your health needs. Add-ons help reduce out-of-pocket expenses and provide extra financial comfort.

Critical Illness Rider 

Provides a lump sum benefit on diagnosis of specified critical illnesses.

Personal Accident Cover 

Financial protection against accidental injuries or disability.

Eligibility & Coverage Detail 

Know whether you qualify and what coverage you receive.

Entry Age 

Available for individuals typically starting from around 56 years onwards, subject to plan-specific terms.

Sum Insured Options 

Multiple options based on financial and medical needs.

Waiting Period 

Initial waiting period and specific waiting period for pre-existing diseases.

Co-payment Clause 

A fixed percentage of each claim may be payable by the insured, depending on age and plan.

Renewability 

Lifelong renewability subject to policy terms.

Claim Process Made Simple 

We ensure quick and transparent claim settlement.

Step 1: Inform the Insurer 

Notify within the prescribed time after hospitalisation. 

Step 2: Submit Required Documents 

Provide discharge summary, bills, and claim form.

Step 3: Claim Assessment 

Our team verifies documents and processes claims.

Step 4: Settlement 

Cashless approval or reimbursement settlement.

Important Information About Senior Citizen Health Insurance Plans 

Confused about health insurance for seniors? We’ve got all the answers.

Understanding Senior Citizen Mediclaim 

Covers hospitalisation expenses for elderly individuals with a defined sum insured and policy benefits.

Health Insurance for Parents Above 60 

Plans designed specifically to manage the medical expenses of aging parents.

Tax Benefits for Senior Citizens under Section 80D 

Premium paid qualifies for deduction under Section 80D of the Income Tax Act.

Tips for Affordable Health Cover After Retirement 

Choose an adequate sum insured, compare premiums, and check the co-payment clause.

Benefits of Cashless Hospitalisation for Elders 

Reduces financial burden during emergencies.

Best Health Insurance Plans for Senior Citizens Above 70 Years 

Look for lifelong renewability and lower co-payment options.

Claim Settlement Process Explained 

A step-by-step process ensures smooth reimbursement or a cashless claim.

Renewing Your Senior Citizen Policy on Time 

Timely renewal avoids a lapse and a waiting period restart.

Difference Between Health Insurance and Mediclaim Policy 

Mediclaim offers basic hospitalisation cover; health insurance offers broader coverage.

Key Factors to Consider in Health Insurance for Senior Citizens 

Check waiting period, exclusions, hospital network, claim ratio, and premium affordability.

FAQs 

Are critical illnesses covered in senior citizen health insurance? 

Yes. Senior citizen health insurance plans may cover critical illnesses either as part of the base policy (if opted) or through an optional Critical Illness add-on. A lump-sum amount is paid upon diagnosis of the listed illnesses, as per the policy terms.

Are pre-existing diseases covered under senior citizen health insurance? 

Yes, pre-existing diseases are covered after completion of the specified waiting period mentioned in the policy document. The waiting period varies depending on the plan chosen.

Are there premium discounts available for senior citizens? 

Premium is calculated based on age, sum insured, and medical history. Discounts may be available for long-term policy purchase (2 or 3 years) and for maintaining a healthy claim record, subject to policy terms.

Can a 65-year-old buy senior citizen health insurance? 

Yes. A 65-year-old individual can purchase a senior citizen health insurance plan, subject to underwriting guidelines and medical evaluation if required.

Can a 70-year-old get health insurance in India? 

Yes. Individuals aged 70 years and above can apply for coverage in India, depending on the entry age criteria and underwriting norms of the selected plan.

Can senior citizens be covered under a family floater plan? 

Yes, senior citizens may be covered under a family floater plan. However, for better coverage and a higher sum insured, many prefer an individual senior citizen plan designed specifically for their age group.

Can senior citizens port their health insurance policy? 

Yes. Senior citizens can port their existing health insurance policy to ManipalCigna in accordance with regulatory guidelines, while retaining credit for any waiting periods already served.

Do senior citizen health insurance plans offer free annual health check-ups? 

Yes. Many plans provide annual health check-ups after a specified policy year, irrespective of claim history, as per policy terms.

Do senior citizen plans have co-payment clauses? 

Some senior citizen plans may include a co-payment clause, where a fixed percentage of each claim amount is payable by the insured. The exact percentage depends on the chosen plan and age.

Do senior citizen policies offer cashless hospitalisation? 

Yes. Cashless hospitalisation facility is available at 8500+ network hospitals associated with ManipalCigna, subject to policy terms and approval.

Does a senior citizen's health insurance policy lapse if premiums are unpaid? 

Yes. If the premium is not paid within the grace period, the policy may lapse. Timely renewal is important to continue coverage without interruption.

Do health insurance premiums increase with age for senior citizens? 

Yes. Premiums generally increase with age due to higher health risks. It may also increase at the time of renewal if the insured moves to a higher age band.

How much premium do senior citizens need to pay for health insurance? 

Premium depends on factors such as age, sum insured, medical history, chosen add-ons, and policy tenure. You can use the online quote option to check the exact premium based on your details.

How to apply for a senior citizen health insurance policy? 

You can apply online by filling out the proposal form, selecting coverage and sum insured, submitting required documents, completing medical tests (if required), and paying the premium.

Is group health insurance available for senior citizens? 

Yes, group health insurance may be available through employers or associations. However, individual senior citizen plans provide more personalised and long-term coverage benefits.

Is medical screening mandatory before buying senior citizen health insurance? 

Medical screening may be required depending on age, sum insured, and declared medical history. The underwriting team will inform you if tests are necessary.

Is there an exit age for senior citizen health insurance policies? 

Most senior citizen health insurance plans offer lifelong renewability, subject to timely payment of premiums and policy terms.

What is covered under senior citizen health insurance plans? 

Coverage generally includes inpatient hospitalisation, ICU charges, pre- and post-hospitalisation expenses, day care treatments, ambulance charges, and optional critical illness benefits.

What is senior citizen health insurance? 

Senior citizen health insurance is a policy designed for individuals aged 60 years and above to provide financial protection against medical and hospitalisation expenses.

What is the entry age limit for senior citizen health insurance plans? 

The minimum entry age is usually 60 years. The maximum entry age depends on the specific plan selected and underwriting approval.

What is the waiting period for senior citizen health insurance? 

There is an initial waiting period (commonly 30 days), along with specific waiting periods for pre-existing diseases and certain listed conditions, as defined in the policy.

What should I consider before buying senior citizen health insurance? 

Check the adequacy of the sum insured, waiting periods, co-payment clause, exclusions, hospital network, claim settlement ratio, premium affordability, and add-on options.

What tax benefits are available on senior citizen health insurance premiums? 

Premium paid for senior citizen health insurance qualifies for a tax deduction under Section 80D of the Income Tax Act, as per applicable limits.

Who is eligible for senior citizen health insurance in India? 

Individuals aged 60 years and above are eligible, subject to policy terms and underwriting guidelines.

Why is health insurance important for senior citizens? 

Healthcare expenses increase with age. A senior citizen health insurance plan helps manage hospital bills, protects savings, and ensures access to quality medical care without financial stress.