Senior Citizen Health insurance

Just because you are a senior citizen doesn’t mean that now you and health needs have to take a backseat. As you have led your life on your own terms, you can manage your healthcare needs in the same way. How? Simply invest in a senior citizens health insurance policy. Or if you have parents who are 60 and above, this is a prudent financial and health choice. Health insurance for parents above 60 years of age can be of help in ensuring that the seniors are able to lead a happy and dignified life despite having to face and fight health challenges. Health problems that are associated with old age should not be a reason for financial stress for those who truly deserve a peaceful and happy life.
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What is Senior Citizen Health Insurance?

If you are over the age of 60 years, you fall under the category of people eligible for senior citizen health insurance. The plans offered under the coverage policies help you get access to financial aid in case of health emergencies for senior citizens that opt for the policy. Age naturally brings along a host of diseases and health issues that require immediate attention and medical treatment, a lot of these policies make sure to cover illnesses that are pre-existing, which is what makes the plan truly inclusive and helpful for the seniors.
senior citizen insurance

Why do you need Senior Citizen Health Insurance?

Investing in a senior citizens health insurance policy is prudent and a smart move. Here’s why you need to do it:

  • Health issues are unexpected in the case of senior citizens. Without a senior citizens health insurance policy, you will have to pay the medical bills on your own and drain your savings. But with a senior citizens health insurance policy, you can avail cashless benefits.
  • Because of its focus on regular healthcare, senior citizens can take lab tests, doctor visits & free preventive check-ups to ensure they are in good health. This is a part of the policy and not an additional expense.
  • The premium paid towards the policy helps avail tax benefits under section 80 D and 80 C.

5 reasons to buy Senior Citizen health insurance from Bajaj Finserv Health

  • Expenses


    Healthcare expenses
    The plan covers your regular healthcare expenses like doctor consultation fees, lab test fees, preventive health check-ups, etc.

  • OPD Doctor Consultation


    Doctor consultation
    You get free online doctor teleconsultations. If you do not want to step out of the house or need medical intervention 24/7, you can consult top specialists online.

  • Network Discounts


    Network discounts
    You can avail network discounts across Bajaj Health’s vast network PAN India for doctor consultation, hospitalization, lab tests, hospital room rent, buying medicines, dental care, eye wear and more.

  • Cashless treatment


    Cashless treatment
    You can avail cashless treatment at network hospitals or get bills reimbursed at non-network hospitals, clinics, etc

  • Claim Settlement Ratio


    Easy Claim Settlement
    Claim settlement process is fairly easy and hassle-free. Claim settlement ratio is 92.1%

Features of Senior Citizen Health Insurance in India

Before buying a senior citizens health insurance policy, you need to some due diligence. This is because with advancing age, health needs change and some health issues need immediate assistance. Also, the policy should help prioritize their regular healthcare needs. Some must-have features are:

  • Regular Healthcare Cover :As senior citizens, the elderly need to stay on top of their health. However, regular doctor visits and tests can be expensive. The policy should cover these expenses so there are no compromises.
  • Cashless Facility :Why pay from the pocket when they can avail cashless facilities at hospitals, labs, at partner doctors, etc.? This is a must-have feature.
  • Affordable & More Savings :The premium should be easily affordable for senior citizens if they are the ones investing in it. Plus, it should also help them cut down on their annul medical bills with offers and ad-ons.
  • Easy Renewability :The policy should renewable online in easy steps to avoid any hassles or paperwork.
  • Pre-existing Disease Cover : This is perhaps the most important feature. Lifestyle diseases are an expensive affair but with pre-existing disease coverage, this can be managed easily.
  • Ambulance Assistance :Another important feature, at the time of need, senior citizens do not have to worry about ambulance transportation costs.

Benefits of Senior Citizen health insurance in India

When you choose to opt for senior citizen health insurance, you are creating a safety net for not just your health care needs but also the savings that you painstakingly made through your entire lifetime of work. It is inevitable for everyone to have to face some sort of health issues as they enter into old age, which is why you need to have a Plan A for yourself in the form of health insurance. An insurance plan from a service provider can be a huge leap in the right direction. While you cannot keep diseases from affecting your health and body, you can make sure that you have a sufficient amount of financial support in getting the right treatment. The right insurance plan for your health care needs can also help you ensure that you get yourself the best treatment from places that are known to be the best. You do not have to end up compromising on the health care facility that you avail for treatments of any kind. The right senior citizen health insurance scheme helps open up opportunities of unmatched health care for you when you need nothing lower than the best. Not only do you get to avail of the right kind of treatments for your ailments and diseases but also get to opt for preventing checks along with guidance by the best healthcare experts. This is something that can help you keep track of your health and prevent major diseases from taking you unawares. Finally, one wise step towards opting for health insurance for parents and seniors above 60 years of age can help you save up on the tax you pay as well. You can choose to claim a rebate for the premium amount that you pay. This is a fine cherry on the top for you to enjoy. Nothing can get better than having an assurance of good healthcare while saving you some money in the process. It is therefore safe to say that getting senior citizen health insurance should be your plan A for all sorts of health care needs. Nothing works better than having financial assurance for healthcare needs that are invariably bound to arise, as you get older.
Here are some additional benefits:
benefit-img_<h4>Virtual Services</h4>

Virtual Services

benefit-img_<h4>Go Cashless</h4>

Go Cashless

benefit-img_<h4>Comprehensive Coverage</h4>

Comprehensive Coverage

benefit-img_<h4>Covers Transportation Costs</h4>

Covers Transportation Costs

benefit-img_<h4>Tax Benefits</h4>

Tax Benefits

benefit-img_<h4>Bonus Following a No-Claim Year </h4>

Bonus Following a No-Claim Year


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Why just health insurance? Get a complete Senior Citizen Health Insurance package!

What is Senior Citizen Health Package?

Growing old comes with its own challenges. Therefore, a normal health insurance plan is not equipped to handle all regular healthcare expenses as well as hospitalization care. This is because a health insurance kicks in only when hospitalization is required due to surgery or treatment.

Pre-existing disease like diabetes, BP, anxiety, bone-health issues are major factors to consider when it comes to senior citizens’ healthcare.

On the outside, these look like common health issues but if not taken care of, they can create potential critical illnesses like heart disease, kidney issues, and more. Therefore, a proper senior citizens health insurance package is required

So why does a generic health insurance plan not work?

Often times, senior citizens are covered with their family under a family health insurance. However, given the health needs of the elderly, a normal family health insurance will not be adequate as the sum insured is split between family members. Also, it may not prioritize their regular healthcare needs like doctor visits, tests, etc.

So, a well-crafter senior citizens health insurance package saves the day! It includes everything from regular doctor visits, lab tests, preventive health tests, teleconsultations with doctors online, pre-existing conditions cover and of course, hospitalization expenses. Such a package will also offer ambulance assistance and AYUSH treatment options.

Therefore, to live life uninterrupted even at an advanced stage requires investing in a complete senior citizens health insurance package.


How to choose the right senior citizen health insurance package for you?

Opting for health insurance or even considering to opt for it is one right step in the direction of viable healthcare and the freedom to get treated with dignity and financial security. Before opting for any kind of a plan you need to have a clear understanding of what gets covered under the policy. Here is a list of things that you can expect from your senior citizen health insurance by Bajaj Finserv Health Limited:

Hospitalization Charges: Right from the charges for your hospital room to the medicine and drug expenses to the fees of the doctors, nurses and specialists, everything gets covered under the best plans. The best plans cover comprehensive hospitalization charges, which includes all the small and big expenses that you may incur while being hospitalized.

Single Day Treatments: A lot of the senior citizen health insurance policies also cover expenses incurred in daycare treatments that do not require overnight hospitalizations. Treatments such as dialysis, chemotherapy, physiotherapy and more get included in these plans.

AYUSH Treatments: It is also possible to get covered for alternative treatments such as Ayurveda, Naturopathy, Homeopathy, Yoga and more when you opt for certain health insurance policies for senior citizens. These treatments come under the AYUSH umbrella and a lot of seniors choose to opt for these plans.

Miscellaneous Healthcare Treatments: There are plans for senior citizen health insurance that cover other varied medical treatments and tests. It is the finer details that help make the plans truly comprehensive.

Your 7-point Checklist for Selecting the Best Senior Citizen Health Insurance Plan

  • checklist-icons_Age of eldest member

    Eligible Age Limit:

    You need to first check for the age at which the senior citizen health insurance can be availed. In most cases, the insurance plans are for people of 60 years of age or older. It is also important to find out the maximum age till which you can get the health policy for the senior citizens. Most policies offer insurance to people of the age of 80 years.
  • checklist-icons_benefits of insured reinstatement

    The Amount of Insurance:

    As age advances, the possibility of developing ailments also increases, which implies that it makes sense to opt for a higher amount of insurance cover. A good coverage opens up better health care opportunities for the policyholder.
  • checklist-icons_Pre-diabetes check

    Cover of Ailments and Diseases:

    It is highly important to make sure that you check for the diseases that are covered under the policy. It is particularly imperative to check whether the most critical diseases are covered under the plan. The best way to find the right senior citizen health insurance plan is to seek for extensive coverage with minimal amount of exclusions.
  • checklist-icons_Waiting period

    Waiting Periods:

    It is also essential to check for waiting periods for diseases and coverage of pre-existing conditions before you commit to a health insurance plan. The best way to find out about the waiting periods is to read the fine print and check with the insurers to be sure about the terms of the policy.
  • checklist-icons_Hospitalization expenses

    Network of Health Care Centers:

    It makes most sense to opt for the best health insurance policy for senior citizens, which is tied up with a large network of hospitals and health care centers. When there are more hospitals and facilities attached to the plan, you may have a better chance of getting better cashless services.
  • checklist-icons_Beyond hospitalization

    Rates of Premium:

    You also need to keep a tab on how the premium rates differ from policy to policy. An in-depth study of the premium rates will help you in making sure that you choose the most viable insurance plan for yourself within an effective budget range.
  • checklist-icons_Co-pay vs No Co-pay

    Co-pay Rules:

    A lot of the health insurance plans out there require the policyholders to pay part of the charges that are incurred for the treatments that they take. This is a rule that you need to check out and understand closely so that you have a clear understanding of what to expect from the policy plan.
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Here are the coverage offered by Bajaj Finserv Health

What's Covered?
What's not Covered?
Approach Hospital

Pre-and post-hospitalization expenses

Hospitalization is an expensive affair. Medical emergencies can crop up suddenly, especially in the case of senior citizens. Therefore, this plan covers pre-and post-hospitalization expenses from 30 days prior to 60 days post-hospitalization.

covers ambulance expenses

Ambulance Assistance

With this policy, get ambulance assistance in your time of need for upto Rs. 20,000 per policy year.

Teleconsultation Benefit

Hospitalization Expenses

Hospital expenses can drain your savings. However, with this plan, you get coverage for all your hospitalization expenses, from admission to treatment to post-op care.

Choose Senior Citizen health insurance coverage of your choice
5 lakhhealth insurance
5 lakh - Health insurance coverage
Avail upto 180+ doctor consultation
61+ lab tests packages
Wellness benefit upto 38000 Rs.
10 lakhhealth insurance
10 lakh - Health insurance coverage
Avail upto 180+ doctor consultation
61+ lab tests packages
Wellness benefit upto 56000 Rs.

Eligibility Criteria:

Minimum Age Limit:The person being insured should be over the age of 60 years.

Maximum Age Limit:The age of the insured candidate should be lower than 80 years of age

Medical Checkup:A medical checkup of the person willing to be insured is mandatory before applying for a policy. However, this is a rule that differs from policy to policy.

Eligibility Criteria:

  • Eligible age

    Minimum & Maximum age
    60 to 80 years

  • Pre-diabetes check

    Pre-existing diseases
    Mandatory medical checkup is required

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Don't worry about price, just check it

How to calculate health insurance premium?

  • Personal Details


    Enter your name and mobile number.

  • Family members


    Select the family members whom you want to insure.

  • Age of eldest member


    Enter the eldest member's age

  • Premium Calculated


    Get your premium

10 factors that affect your health insurance premium:

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Health Insurance is a must for any individual or family who are looking to secure their health and financial future. Owing to medical inflation in the recent years, the cost of medical treatment and procedures often drains one’s lifetime savings and acts a burden. However, getting a health insurance means adding a fall-back cushion to safeguard savings as well as get tax benefits.

As you apply for a health insurance plan, the insurance providers do a thorough check/assessment of your health. Basis your health status, they offer a premium amount for the plan.


Your age is a major factor on which the health insurance premium will be decided. Most companies follow this mantra – the higher the age of the insured, the higher the premium to be paid. This is because older people are prone to illnesses. It is advisable to buy a health insurance plan when you are younger to enjoy more benefits and pay a lower premium.


Your occupation or the nature of your work will also determine the health risks you may be exposed to. Given our hectic lifestyles and sedentary jobs, you will be prone to stress, anxiety, etc. which will lead to other health issues. So, for example, if you have a high stress job, your premium will be higher.

Medical history

Medical history plays a vital role too in deciding the premium. If you have a chronic illness, or have suffered from any past major illnesses, or if family history points to any pre-existing illnesses, your health insurance premium will go up.

Copay feature

If you have a co-pay feature in your health insurance plan, then your premium will be lower as a certain percentage of the medical costs will be borne by you and the rest by the insurance provider..


Habits. Yes, your habits matter a lot. For example, if you are a smoker, you are at risk of serious illnesses like cancer. If you drink regularly, you are at risk of chronic diseases. So, your premium will be higher.


Duration of your policy will also affect your premium. If have a longer duration for your policy, you will pay less premium.


Your BMI or Body Mass Index also affects your premium. If your BMI is high, then you are at a higher risk of chronic or lifestyle illnesses. This means you will pay a higher premium.


Location If you stay in locations where food, water, air quality is an issue, it will lead to serious health issues and therefore, your premium will be higher.

plan type

Your plan type affects your premium amount.

Why You Need to Look Online for Medical Insurance for Senior Citizens?

If you are seeking to buy the best health insurance for senior citizens, your best bet is to look online. There are several reasons why it may help most to get your insurance cover online.

Compare and Invest: One of the most important reasons why you need to look online for the best plans is because you get the chance to compare and thoroughly check all the differences in the plans offered in different policies.

Comfort and Convenience:A lot of people also choose to check out all the information about their health insurance plans online because of the convenience that it offers. You can have all the information you need saved in a device of your choice at the tips of your fingers.

Discounts and Offers: It is also viable to opt for the best health insurance policy for senior citizens online because of the fact that there are a lot of offers and discounts that are offered to those that opt for the policy plans online. This implies that the entire process can turn out to be much more cost effective if it is done virtually.

Secure Payments:People are usually of the belief that online payment for the policy plan helps make it easier and safer for the people investing in the policy. With the click of a button, you can securely make your policy plan payment. You can also choose to make payments for renewals online without having to miss out on deadlines.

All in all, it can be safely said that buying your senior citizen health insurance scheme online can help you make a comfortable, well-informed, well-researched and viable investment for your money as well as your health.

How to buy Senior Citizen health insurance from Bajaj Finserv Health

  • Login


    Step 1
    Log on to the website or download the ‘Bajaj Finserv Health’ app on your phone and sign up.

  • Premium Calculated


    Step 2
    Search for the Senior Citizen Health Insurance Plan.

  • Apply Now for Diabetes Health Insurance


    Step 3
    Click on ‘Apply Now’ and enter your basic details.

  • Confirm Application


    Step 4
    Check and confirm application by entering the OTP received on your mobile number.

  • Pay your premium


    Step 5
    Pay the premium via credit/debit card, UPI, mobile wallet, etc.

  • Get Details on Whatsapp


    You will receive the details of your membership via email/WhatsApp.

Myth Buster
All set to buy ?

Tax savings with Senior Citizen Health insurance

According to the Income Tax Act of 1961, under Section 80D, you also get tax exemptions on premiums paid for senior citizen health insurance policies.

Explore Our Robust Network

You can avail all your health insurance benefits PAN India. Explore our vast network partners.

Explore Our Robust Network

You can avail all your health insurance benefits PAN India. Explore our vast network partners.

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An Easy, Hassle-Free And Quick Procedure

How to Claim Your Healthcare Benefits?

We have 98% Claim Settlement Ratio!
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We have 98% Claim Settlement Ratio!
With the Bajaj Finserv Health Insurance plan, you can avail health benefits and hospitalization benefits across the vast Bajaj Finserv network partners PAN India.
Download the Bajaj Finserv Health app or go to and log in to your account.
Go to your health plan and select the benefit you want to redeem or get reimbursed.
Follow the steps and claim your health plan benefits instantly.

How to make cashless claims & reimbursements?

Cashless Claims
Hospitalization expenses
Approach Network Hospitals
Approach Network Hospitals for complete cashless facility & once details are verified, send the duly filed pre-authorization form to the insurer
Verification of all details
Verification of all details
The insurer will duly verify the details of the pre-authorization request with policy benefits and intimate their decision to the healthcare provider
Myth Buster

One useful tip just for you!

If you happen to buy your health insurance policy after turning 60, opt for companies that allow entry for maximum age and have a life-long renewability option at the same time.

Myths Busted

Myth #1: Because my parents, who are senior citizens, are in good health, they don’t need a senior citizens health insurance policy.

Good health is an illusion when it comes to senior citizens. This is because health issues can crop all of a sudden even to the healthiest people. And in an advanced age, an elderly person’s age and body may not heal as soon as one would want it to. Therefore, investing in senior citizens health insurance policy will be a prudent choice. With such a policy, senior citizens will not have to worry about their regular healthcare expenses like doctor consultation fees, lab tests expenses and preventive health check-ups. This policy will also cover their pre-and post-hospitalization care with ambulance assistance, AYUSH treatment options and pre-existing diseases cover.

Myth# 2: Health Insurance for Senior Citizens is expensive.

No, this is not true. In fact, you can avail a Senior Citizen Health insurance policy is easy EMIs and they offer many benefits like cashless doctor consultation fees, lab tests expenses and preventive health check-ups and pre-and post-hospitalization care with ambulance assistance, AYUSH treatment options and pre-existing diseases cover. This means you don’t have to touch your personal savings at all.

Myth #3: I have a family floater health insurance plan and I think it is enough for my parents as well.

While this plan may offer good coverage, health needs of senior citizens can be more demanding. Having a specific plan for senior citizens means the entire sum insured can be utilized for their health needs and will not be subtracted from your plan.

Myth#4: Senior citizens health insurance plans don’t cover pre-existing disease.

Today, many senior citizens health insurance plans cover pre-existing diseases. It is wise to choose a plan that covers maximum number of pre-existing diseases.
Hear It From Our Customers
Female, 30
This has been very helpful to me and my family during the pandemic. I could reach out to the best doctors online and get the right treatment for my parents at reasonable pricing. Also, with preventive health check-ups as a part of the plan, it is a very good purchase.
Male, 32
This has been very helpful to me and my family during the pandemic. I could reach out to the best doctors online and get the right treatment for my parents at reasonable pricing. Also, with preventive health check-ups as a part of the plan, it is a very good purchase.


A senior citizen health insurance policy can be taken at the age of 60 years and can be renewed each year up until the age of 80 years.

The cost of the medical insurance for senior citizens is completely subjective and depends on multiple factors including age as well as the amount for which the policy holder is insured. The exact premium amount is calculated and conveyed at the time of the purchase of the policy.

Based on the status of the health of the seniors being insured, it is possible to pick from among a variety of different plans. A plan that suits individual needs the most can be considered as the most viable.

As people get older and cross the age of 60 years, they are more likely to face health issues, some of which may be more expensive to treat than the others. The safety net of a medical insurance can help in making sure that seniors do not dry out their savings owing to treatment costs.

Yes, all kinds of medical insurance plans require the insured persons to go through comprehensive body checks, the same holds true for any senior citizen health insurance plans offered by any service provider.

Yes, it is possible to find cashless claim processes even in senior health insurance plans. Anyone opting for a pre-planned treatment can choose to avail of the cashless service by informing the insurance company prior to the treatment.

IRDAI’s latest guidelines state that half of the cost for a mandatory health checkup should be borne by the insurer and the remaining should be borne by the insured.

A lot of plans offered by insurance service partners of companies like Bajaj Finserv offer free health checks as part of their insurance policies.

Claims are usually submitted to the TPA. However, in the absence of any TPA, the claims can be directly submitted to the insurer.

While ailments may not be present in seniors at the time of taking the insurance, the age is what makes them more susceptible to diseases, which is why health insurance should be opted for. It is also viable to opt for the best senior citizen health insurance early on so that benefits like no-claim bonus can be opted for. It is also possible to pass certain waiting periods for pre-existing conditions when a medical insurance policy for senior is bought without them having any apparent health issues.

It is important to have a dedicated insurance policy for the seniors even if they are included in a family plan because the sum insured in a family plan is divided between all the family members and that may lead to a shortage of insurance for the seniors in case of a health emergency.

Yes, when you are making a purchase from the website of the insurer, which is also a trusted brand, you can be sure about the safety of the entire process.

Yes, there are certain plans that cover daycare costs for treatments and procedures that do not require overnight hospitalization.

Yes, a lot of plans also cover transportation charges (ambulance costs) as part of the policy plan.

Yes, while there are waiting periods for certain pre-existing conditions, ranging from 1-4 years, it is possible to buy a health insurance plan nevertheless.

Yes, there are plans that cover AYUSH treatments such as Ayurveda, Yoga, Unani, Siddhi and Homeopathy.

No, cosmetic treatments are not covered under health insurance plans for senior citizens.

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₹592 x 10 months

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