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5 Things To Consider Before Buying Health Insurance For Senior Citizens

One of the ways to express your care towards your aging parents is by buying health insurance for them. They have dedicated their lives towards you and have fulfilled all your demands. The least you can do to payback's buy health insurance for senior citizens that protect them from any form of illness. The medical expenses of senior citizens are usually high because of their recurring medicines and regular tests. All these expenses can be taken care of using Bharti AXA health insurance policy for senior citizens. If you are planning to buy health insurance for senior citizens, but don’t know how to compare and what to consider before buying a health insurance policy, then you have arrived at the right place.

HERE ARE THE THINGS THAT YOU MUST CONSIDER BEFORE BUYING HEALTH INSURANCE FOR SENIOR CITIZENS:

POLICY FEATURES:

Senior citizens require a larger cover along with greater flexibility due to their age. Therefore, their health insurance plan should be exhaustive yet flexible. Make sure that critical illnesses are covered in the health insurance policy and they don’t require any extra co-payment. Critical illnesses include heart transplant, organ transplant, cancer, cardiac problems, kidney transplant, etc.

RENEWING TERMS:

Some policies cannot be renewed after a certain age. Before buying health insurance for senior citizens, you must ensure that the policy that you are purchasing can be renewed at any age.

ADDITIONAL FEATURES:

The insurance industry has become highly competitive. Insurance providers are offering more benefits, but not all are told to the buyers. Features like ambulance service, free annual health check-up, daycare cover, OPD cover, etc. are offered under some health insurance plans. These features can save a significant amount of your medical spends. Therefore, before purchasing a health insurance plan, you must make sure these features form a part of your policy.

PRE-EXISTING ILLNESS:

Many insurance providers do not cover the existing illnesses of the insured. However, a lot of companies have now started covering these diseases after a certain waiting period. The waiting period could be as long as 48 months. Therefore, choose carefully. Read the terms and conditions of your health insurance policy carefully before signing to avoid any disappointments in the future.

FLOATER POLICY:

You can now cover multiple senior citizens under one health insurance policy for senior citizens. Under the floating policy, the amount of premium is determined basis the age of the eldest person covered in the policy.

Bharti AXA offers range of health insurance plans for senior citizens. Here are the benefits of partnering with us:

  1. No claim bonus
  2. Annual health check-up
  3. Pre and post-hospitalization of 60 and 90 days
  4. Tax benefits
  5. Cashless claims across 4500+ hospitals across India

If you still have queries regarding our health insurance plans, feel free to speak to our experts.