Compare and get Senior national Health Insurancearrange
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| Senior Health Insurance |
Senior citizen health insurance plan is a necessity, especially after you are going to retire and survive pension or interest income from savings. A sudden medical emergency can result in a financial crisis. To avoid this, it is prudent to take a comprehensive senior citizen mediclaim insurance policy. These senior citizen health insurancepolicies are for people aged bettheyen 65 years and 80 years.
According to the new tips by IRDA, each insurance supplier needs to provide coverage to people,' up to 65 years older. These new guidelines will not only help individuals get coverage at a later stages of their life but will also allow them to shift insurers in case they are not satisfied with their current health insuranceprovider. There is no dearth of insuranceproviders for senior citizens. Hotheyver, the challenge is to opt for the right one.
Thus, they strongly recommended that you make proper comparison of different senior citizen health mediclaim plans which are available in the market before buying. The online comparison is the right move to find and pick the best health insurance plan. Such a comparison can offer you a honest plan on that is the best suited policy for you.
There is five Factors to Consider While Comparing Senior Citizen Mediclaim
• Cover
• Co-Payment
• Maximum age at renewability
• Coverage of specific diseases
• Waiting periods
Popular Senior Citizen Health InsurancePlans Available in India
General insurance companies offer medical insurance for senior citizens in India and have niche products to cater to this segment in our society. These senior national mediclaim policies guarantee that you ar financially protected throughout your golden years and ar ready to keep pace with sky rocketing medical prices.
Some of the top senior citizen health insurance plans offered by insurers are-
• Silver Health from Bajaj Allianz
• Varistha Mediclaim offered by National Insurance
• Red Carpet Health Insurancefrom Star Health Insurance
• Optima Restore from Apollo Munich
• Complete from ICICI Lombard
• Gold from Max Bupa
Plan Benefits
A senior citizen mediclaim insuranceplan covers the following:
• Hospitalization Cover: Expenses incurred on a patient if the hospitalization is more than 24 hrs. The expenses include room charges, doctor fees, nursing fees, cost of drugs and medicines, etc.
• Day care expenses that arise from use of special equipments or procedures like therapy, dialysis, etc.
• Medical expenses previous and post hospitalization. Hotheyver, the range of days can vary across insurers.
• Ambulance charges for transporting the insured, subject to most limit.
• Pre existing diseases are covered, subject to terms and conditions of the nondepository financial institution.
Tax Benefits
A senior citizen health policy not only safeguards your health but it also earns tax benefits. In this year budget, minister Mr. Arun Jaitley has enhanced deduction obtainable below Section 80DDB to Rs ttheynty,000 from Rs thirty,000 for senior citizens.
Benefits of Buying Policy from InsuranceCompany
Are you a senior citizen stuck in a health insurance crisis? Insurance Company is you savior. As a senior citizen, you may find yourself in a crisis-no longer covered under employer’s health insurancepolicy but needing medical policy more than you ever did before.
Backed with a team of experts, they at Insurance Company facilitate a quick and easy comparison of available policies and thus, helps in saving your time and money. There are various companies offering insurance plans to senior citizen and thus, an online comparison will ensure that you only fall to the right plan.
All you need to do is fill a simple form with information about yourself and your insurance requirements. Once you submit it, you will soon get quotes for affordable senior citizen health plans. the most effective part is that our insuranceexperts are standing by to speak with you and anstheyr your query, if any.