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Advantages of Senior Citizen Health Insurance
Senior citizen health insurance can be renewed for life allowing you to get insured for life. This is an added advantage which allows you to enjoy the lifelong coverage at a cost-effective premium.
This policy offers the benefit of cashless hospitalisation where your medical expenses are directly settled by the insurer. The insurers offer 5000+ network hospitals where you can avail this facility.
Senior citizen health policy awards bonuses for every claim-free year if the policy is renewed without break. In such a case, either sum insured increases or premium decreases by a certain percentage or both.
Health insurance for senior citizen will cover all the pre-existing diseases insured may be suffering from, such as high cholesterol and diabetes after 12 to 24 months from the date of commencement of the policy.
Benefits of Senior Citizen Health Insurance
Pre and Post-hospitalisation CoveredPost hospitalisation expenses such as a regular visit to doctors, medication expenses, and follow-up examinations to be made is covered under the policy. These expenses are covered up to 60 days.
The medical expense incurred before hospitalisation is also covered up to 30 days.
Senior citizen health insurance also covers OPD expenses such as doctor fees, diagnostic tests, and medical bills.
Medical Expense CoverHealth insurance for senior citizens will pay for room rent, nursing and boarding cost, surgeon, anaesthetist, medical practitioner, consultants, and specialist fees. Cost of medicine is also covered up to the specified limits.
Medical expenses arising from sudden illness, surgeries and accident are covered by the policy.
This policy also offers free health check-up facility at the end of every year.
Day-Care Treatment CoverMore than 140 daycare procedures are covered under the senior citizen policy. These are the medical treatment which does not require hospitalisation for more than 24 hours.
All important procedures or operation of ears, eyes, tonsils, mouth and nose are covered by the policy.
Treatment of urinary system, respiratory systems and heart procedures like angiography and angioplasty are also covered.