Helpful Tips To Choose The Best Mediclaim Policy For Senior Citizens | Bharti AXA GI

Car Insurance

Bharti AXA provides a comprehensive cover for your car,so you can drive hassle-free.

Two Wheeler Insurance

Ride worry-free, with Bharti AXA two wheeler insurance plan. 

Health Insurance

Safeguard the health of your loved ones with a wide range of Bharti AXA health insurance plans.

Travel Insurance

Secure your joyous family trips with Bharti AXA international travel insurance cover.

Bharti AXA Home Insurance

Bharti AXA Home Insurance

Bharti AXA SME Package Insurance

Bharti AXA SME Package Insurance

Bharti AXA Commercial Lines Insurance

Bharti AXA Commercial Lines Insurance

Bharti AXA Commercial Vehicles Insurance

Bharti AXA Commercial Vehicles Insurance

Bharti AXA Motor Third Party Insurance - Commercial

Bharti AXA Motor Third Party Insurance - Commercial

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Pradhan Mantri Fasal Bima Yojana (PMFBY)

Bharti AXA Car Insurance

Renew your Bharti AXA car insurance to enjoy your non-stop drive.

Bharti AXA Two Wheeler Insurance

Renew your Bharti AXA Two Wheeler Insurance to continue your worry-free rides.

Bharti AXA Health Insurance

Renew your Bharti AXA Health Insurance and continue to safeguard the health of your loved ones.

Register Claim

Track Claim



About Bharti AXA

Branch Locator

Cashless Garages

Cashless Hospitals


Contact Us

Become A Partner

Become A Partner
[object Object]
[object Object]

Travel Insurance


Health Insurance


Two-wheeler Insurance


Car Insurance

Disclaimer : The information published on this website is for the public′ s reference only. Content of this information is to provide an overview of your Travel needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice. Bharti AXA General Insurance Company Limited makes no representations about the suitability, reliability, timeliness, and accuracy of the information, travel,services, or any other items mentioned on this subject for any purpose whatsoever.


Car Insurance

Two-Wheeler Insurance

Travel Insurance

Health Insurance

Motor Third Party Liability

Commercial Vehicle

Commercial Lines Insurance

Bharti AXA SME Package

Home Insurance

Pradhan Mantri Fasal Bima Yojana(PMFBY)

Arogya Sanjeevani

List of products

List of withdrawn Products

Car Insurance

Comprehensive Car Insurance

New Car Insurance Policy

IDV in Car insurance

No Claim Bonus in Car Insurance

Bumper to Bumper Car Insurance

Bike Insurance

Comprehensive Two Wheeler Insurance

IDV in Bike Insurance

No Claim Bonus in Bike Insurance

Bike Insurance Quote

Travel Insurance

Travel Insurance Coverage

Benefits of Travel Insurance

Travel Health Insurance

Travel Insurance Quote

Health Insurance

Cashless Health Insurance

Knowledge Centre




Travel Guide

Visa Guide

Road Trip

Insurance Glossary

Health & Fitness Guide

Food & Cuisine Guide

RTO Guide

Driving License Guide

Car Manufacturer

Two-Wheeler Manufacturer

Travel Destination

Bharti AXA & YOU

About Us


Contact Us

Cashless Garages

Cashless Hospitals

Branch Locator


Investor Relation Information


Public Disclosure

Knowledge Centre

Download Center

Media Center

Consumer Education

Electronic Insurance Account

Update IRCTC Nominee

Unclaimed Amount


Notice Of General Meetings

Service Parameters

Suspended Agents

Whistleblower policy

Become A Partner

About Group

AXA Group

Bharti Enterprises

Bharti AXA Life Insurance

Download My Airtel App


Privacy Policy

Terms of Use

Fraud Risk Management Policy

Equal Opportunity Policy

Explore Our Products
Most Recent Blogs


Things that are Not Covered under Health Insurance

18th Jul,2020



List Of Non-Gear Bikes You Could Buy On A Friendly Budgeta

13th Jul,2020



Here Is A List Of Documents You Have To Keep In Your Car At All Times

07th Jul,2020



Are Adventure Activities Covered in your Travel Insurance Plan?

09th Jun,2020


Helpful Tips To Choose The Best Mediclaim Policy For Senior Citizens

Illness never comes with two weeks’ notice, and bad times are just a phase. But the last thing you need is getting stuck with hospital and medical bills and not being able to provide adequate care to your loved ones, especially if they are in the golden years of their lives.

This is a prevailing problem among senior citizens. Living on a pension is tough. As they age, they need greater care and comfort. But what if your happiness is jeopardised by a sudden affliction? Therefore, mediclaims have become the need of the hour.

Mediclaims are essentially health insurance, that takes care of all your expenditures in the coverage bounds. Mediclaims come in packages, and every package is suited to the specific need of the beneficiary. So, choosing the right and best mediclaim policy is important.

Your parents might not be benefitted fully with the insurance plan that covers you. It gets a lot tougher to choose a plan for a senior citizen because of their diverse needs, proneness to ailments and their inability to go through the complex procedures. Hence, the insurance you choose must provide good coverage, should provide at least cashless treatment in a nearby hospital and must have hassle-free procedures.

Here Are A Few Tips You Can Follow While Choosing a Mediclaim For Your Parents or Yourself.

Check for Cashless Treatment:

Cashless treatment is catching up like wildfire., Everyone wants cashless treatment at all possible hospitals. Cashless treatment is basically a benefit that you can avail of, at any hospital which is affiliated with your insurance agency’s network. It allows you to have complete or partial free treatment upon providing your mediclaim documents.

What a conventional mediclaim will do is to reimburse you after you pay the colossal hospital bill. As most of the senior citizens are retired, they might not have cash ready for treatments instantly. Nevertheless, cashless treatment is a nice facility to have. It might come in handy in your time of need.

Know the Medical History of The Beneficiary(s):

In India, most of the medical insurance for senior citizens do not cover diseases you already have at the time of signing the insurance, or something you might contract in the next 30 days. Therefore, it is important to read the scheme related documents along with the applicable fine print of terms and condition very carefully.

It is also essential to do a full medical check-up before availing any mediclaim. A full check-up that highlights any underlying diseases can help you to decide on the right policy depending on your medical requirements and financial standing. For example, if you are above 65 years of age, you should get a medical check-up done simply because old age slows down your immune system and your bodies will be more prone to illnesses than you can barely think of.

Compare Plans:

Choosing any insurance blindly on the word of others is a foolish thing to do. As their requirements are different, so is yours. In addition to that, extra care must be taken while choosing a health plan for senior citizens. You can search for mediclaims online and compare them based on the fixed income amount, financial status, number of dependents, the health of dependents, etc.

Just like a wise man once said, “age is just a number” staying young at heart is the key. Don’t let any disease bring you down and be safe with a health insurance plan that will save the day for you.