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Buy Health Insurance Policy for Senior Citizens Online in India
In India, where healthcare costs are steadily climbing, individuals aged 60 and above face unique health challenges that demand specialised coverage. A senior citizen health insurance plan not only provides financial protection against unforeseen medical expenses but also ensures access to quality healthcare without burdening family finances.
Whether it's managing chronic conditions, covering hospitalisation, or availing cashless treatments, the right policy can offer peace of mind and dignity in one’s golden years.
What is Senior Citizen Health Insurance Policy?
A Senior Citizen Policy is specifically designed for individuals aged 60 years or older, to provide coverage during any illness, treatment, emergency or surgery..
It provides financial coverage for medical expenses, including critical illnesses and accidental hospitalisation, annual health check-ups, and daycare procedures. It also includes special benefits such as home hospitalisation and psychiatric support.
You know life always comes back in a full circle, and the hands that once held ours now need care from us. Getting health insurance for senior parents or grandparents is our way of saying, “We’ve got you covered, just as you always had us.”😌
Why Senior Citizens Need a Health Insurance Policy?
Why Seniors Need Separate Health Insurance If They Have Government Health Schemes?
Even if seniors are covered under government health schemes, having a separate senior citizen health insurance policy offers added protection and flexibility. Here’s why it's necessary:
- Government schemes usually offer basic coverage, which may not fully cover the high medical costs seniors often face, especially for chronic illnesses or surgeries.
- Health insurers often have cashless hospitalisation and faster claim settlement, which may not always be guaranteed under government-run schemes.
- Senior health insurance plans offer higher sum insured options, which are rarely available under government schemes.
- Health insurance can cover daycare procedures, domiciliary care, annual checkups, alternative treatments (AYUSH), and more, which are often limited in government schemes.
- With separate insurance, seniors won’t need to depend solely on government subsidies or burden their children during health emergencies.
Benefits of Buying Health Insurance for Senior Citizens
Domiciliary Care
Senior citizens often require hospitalisation or treatments at home. Depending on their health condition, a health insurance for senior citizens can cover for the same.
Higher Sum Insured
One of the benefits of health insurance for senior citizens is the higher sum insured because of the risks and needs associated with their health.
Enhance Mental Wellbeing
Our health insurance for senior citizens also includes psychiatric care, ensuring not only physical but also mental well-being.
Helps Save on Taxes
Anyone who purchases health insurance for themselves and their senior parents will benefit from a tax deduction as per Section 80D of the Income Tax Act. This can go up to 1 Lac.
Cashless Treatments Available
With every health insurance policy, you have two options for making a claim. One is to avail of cashless treatments at any of our network hospitals, ensuring financial security and peace of mind.
Protect Your Savings
As people age, they become increasingly susceptible to illnesses and medical emergencies, ranging from minor to severe. Health insurance for senior citizens helps one cover expenses that could arise due to the same.
Why Choose Health Insurance for Senior Citizens by Digit?
Key Benefits of Health Insurance for Senior Citizen by Digit
Your health insurance plan with Digit extends several exclusive benefits that enhance your coverage. Here are the key advantages:
|
Co-payment |
No |
|
Room Rent Capping |
No |
|
Cashless Hospitals |
9000+ Network Hospitals across India |
|
Inbuilt Personal Accident Cover |
Yes |
|
Wellness Benefits |
Available from 12+ Wellness Partners |
|
City Based Discount |
Up to 10% Discount |
|
Worldwide Coverage |
Yes, Available only on Worldwide Treatment Plan |
|
Good Health Discount |
Up to 5% Discount |
|
Consumables Cover |
Available as an Add-on |
What’s Covered in the Senior Citizens Health Insurance Plans Offered by Digit?
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatment Plan
Important Features
This covers for all hospitalisation expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalisations, as long as the total expenses are up to your sum insured.
You need to wait for a defined period from the first day of your policy to get covered for treatment related to any non-accidental illness. This is the Initial Waiting period.
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
We provide a back-up Sum Insured which is 100% of your Sum Insured amount. How does Sum Insured Back Up work? Suppose your policy Sum Insured is Rs. 5 lac. You make a claim of Rs.50,000. Digit automatically triggers the wallet benefit. So you now have 4.5lac + 5 lac Sum Insured available for the year. However, one single claim, cannot be more than the base Sum Insured as in the above case, 5 lac. .
Digit Special
No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!
Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. Digit plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured..
Health insurance covers medical expenses only for hospitalisations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement such as cataract, dialysis etc.
Digit Special
Get a world class treatment with the Worldwide Coverage! If your doctor identifies an illness during your health examination in India and you wish to get a treatment abroad, then we’re there for you.You’re covered!
We pay for your health check-up expenses upto the amount mentioned in your Plan. No restrictions on the kind of tests! Be it ECG or Thyroid Profile. Make sure you go through your policy schedule to check the claim limit.
There may be emergency life-threatening health conditions which may require immediate transportation to hospital. We absolutely understand this and reimburse for expenses incurred for your transportation to a hospital in airplane or helicopter.
Digit Special
Co-Payment means a cost sharing requirement under a Health Insurance Policy that provides that the Policyholder/Insured will bear a specified percentage of the admissible claims amount. It does not reduce the Sum Insured. This percentage depends on various factors like age, or sometimes also on your treatment city called zone based copayment. In our plans, there is no age based or zone based Co payment involved.
Get reimbursed for the expenses of road ambulance, in case you are hospitalised.
This cover is for all expenses before and after hospitalisation such as for diagnosis, tests and recovery.
Other Features
The disease or condition that you are already suffering with and have disclosed to us before taking the policy and has been accepted by us has a waiting period as per plan opted and mentioned in your Policy Schedule.
This is the amount of time you need to wait for, until you can make a claim for a specific illness. At Digit it is 1-3 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.
If You sustain an Accidental Bodily Injury during the Policy Period, which is the sole and direct cause of Your Death within twelve (12) months from the date of accident, then We will pay 100% of the Sum Insured as mentioned in Policy Schedule against this cover and as per plan opted.
Digit Special
Your organ donor gets covered in your policy. We also take care the pre and post hospitalisation expenses of the donor. Organ donating is one of the kindest deeds ever and we thought to ourselves, why not be a part of it!
Hospitals can go out of beds, or the patient’s condition may be rough to get admitted in a hospital. Don’t panic! We cover you for the medical expenses even if you get treatment at home.
Obesity may be the root cause of so many health issues. We absolutely understand this, and cover for Bariatric Surgery when it is medically necessary and advised by your doctor. However, we DONOT cover if hospitalisation for this treatment is for cosmetic reasons.
If due to a trauma, a member has to be hospitalised for a psychiatric treatment, it will be covered under this benefit, upto INR 1,00,000. However, OPD consultations are not covered under this. The waiting period for Psychiatric Illness Cover is same as Specific Illness waiting period.
Before, during & after hospitalisation, there are many other medical aids & expenditures such as walking aids, crepe bandages, belts, etc.,which need your pocket’s attention.This cover takes care of these expenses that are otherwise excluded from the policy.
Add-on Options with Senior Citizens Health Insurance by Digit
Add flexibility to your health insurance with add-ons. Digit offers the below exclusive add-ons to provide you with additional layers of protection beyond the basic coverage of your policy:
Consumable Cover
Pay just 10% extra premium and we will cover your non-medical expenses too on approval of your base claim.
Pre-existing Disease/Specific Disease/Initial Waiting Period Modification
You can reduce your pre-existing disease waiting period to up to 2 years.
Network Hospital Discount
This add-on cover will offer you a 10% discount on your premium, if you choose to be treated at our network hospital. However, co-payment will be applicable if you get hospitalised in non-network hospital.
What's Not Covered in Senior Citizens Health Insurance by Digit?
PED Before Waiting Period
In case of a pre-existing disease, unless the health insurance waiting period is over, the claim for that disease or illness cannot be made.
Hospitalisation without Doctor’s Recommendation
Any condition you get hospitalised for that doesn’t match the doctor’s prescription is not covered.
99% Claim Settlement Ratio For Digit’s Health Insurance - FY 2024-25
When it comes to health insurance, Digit stands out with a remarkable 99% Claims Settlement Ratio (CSR). But this isn’t just a number, it’s a reflection of our core promise: to be there when it truly matters.
Every claim represents a moment of vulnerability for someone. A sudden illness. A hospital emergency. A family under pressure. At Digit, we understand that, and that’s why we work relentlessly to ensure that genuine claims are processed quickly, transparently, and with empathy.
What’s an Ideal Coverage for Senior Citizen Health Insurance?
Ideal coverage means having sufficient health insurance to cover your hospital bills without depleting your savings. An ideal health insurance plan for a senior citizen must have comprehensive coverage that can meet medical expenses.
To choose the ideal coverage, here are a few important points to keep in mind:
- Low Waiting Period for Pre-existing Conditions: Prefer plans with a 1 - 2 year waiting period for conditions like diabetes, hypertension, or arthritis.
- No Co-payment Clause: Avoid plans that require seniors to pay a percentage of the claim amount. Look for zero co-payment options.
- City or Zone: If you live in polluted metro cities, toiling with traffic and bearing office stress daily, you may be at a higher risk of falling ill. Opt for a higher sum insured in such cases to avoid out-of-pocket expenses.
- High Sum Insured: Ensures the policy has a high sum insured sufficient protection against major surgeries, chronic illness treatments, and long-term hospitalisation.
- Lifetime Renewability: Ensure the policy can be renewed without age restrictions, offering coverage well into the 80s and beyond.
How to Choose the Right Senior Citizen Health Insurance?
Choosing a senior citizen health insurance plan isn’t just a financial decision; it’s a step toward peace of mind, independence, and dignity.
With rising healthcare costs and evolving medical needs, finding a policy that truly fits can feel overwhelming. But don’t worry, we’re here!
Watch the video to learn how to choose the right health insurance at all stages of your life.
Things to Consider Before Buying Senior Citizen Health Insurance
Senior citizens are susceptible to severe illnesses that require costly treatment in their old age. They might need health insurance to cover the cost of the treatment. Here are some important factors you must consider while choosing a health policy for senior citizens:
Sum Insured
The sum insured in your senior citizen health insurance plan must be sufficient. Your medical costs, including preventative checkups, prescription drugs, hospital stays, and emergency medical care, should be covered.
To guarantee proper coverage, always consider all of your medical costs and emergencies when determining your sum insured amount.
Daycare Treatment Coverage
Because of advancements in medical technology, many treatments and surgeries can now be performed through daycare procedures. However, a senior citizen must be hospitalised for at least 24 hours to file a claim under standard health insurance coverage.
Waiting Period
Waiting periods in health insurance for particular illnesses can differ from one insurance company to another. Seek out senior citizen health insurance with no waiting period or a minimal waiting period to cover any illness.
Claim Settlement & Procedure
When it comes time to file a claim, you want to ensure that the ratio and claim settlement procedure are simple and effective. Before buying any health insurance for parents (below 60) or senior citizens (above 60), consider the claim settlement ratio of the insurance companies.
Network of Hospitals
A cashless claim settlement is among the most effective methods of filing a claim. However, this benefit is only available if you use one of the hospitals in the insurance provider's network. As a result, consider the quantity and type of hospitals your preferred insurance company offers and choose appropriately.
No Claim Bonus
If the policyholder hasn't filed any claims in the past year, almost all insurance companies offer a no-claim bonus discount. In such a scenario, either the policy premium drops or the sum covered rises. Check with the insurance company on the bonus they provide in a no claim year.
Co-payment
A co-payment clause is a feature of many senior citizen health plans that requires the policyholder to pay a portion of the claim amount. The insurance company just pays the remaining fraction of the claim amount. You must, therefore, choose a plan with a low or no co-payment.
Add-on Benefits
Every health insurance plan will have add-on benefits you can customise. When searching for a senior health insurance plan, consider the available add-ons and select one that meets your needs.
Domiciliary Hospitalisation
Sometimes, an elderly person's health may prevent them from being admitted to a hospital. In this situation, home treatment costs will be covered by health plans that provide domiciliary hospitalisation, provided that a qualified physician has recommended it.
Policy Renewability
To avoid having to purchase another health plan as you age, always search for the finest health insurance plan with a lifetime renewability option. An elderly citizen shouldn't have a policy that doesn't renew, especially after 60 years.
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How to Buy a Health Insurance Plan for Senior Citizens?
Buying a health insurance plan for senior citizens is more than just ticking a box; it’s about securing comfort, care, and confidence in the later stages of life. Follow these simple steps to buy a senior citizens health insurance plan:
Visit Digit’s Website or App
Visit Digit Health Insurance and go to the health insurance section and enter your phone number & PIN.
Enter Basic Details
Share information like age, family members to be covered, and any medical history or pre-existing disease.
Choose Your Plan
Select your coverage amount and add any rider if needed. Proceed and fill in additional details.
Make Payment
Complete the KYC & payment. Done! Your policy will be sent via email or WhatsApp or accessible on the Digit app.
Documents Required to Buy Medical Insurance for Senior Citizens
When purchasing a senior citizens health insurance policy, insurers typically require some basic documents for verification. Below is a list of optional documents that can be needed at the time of purchasing a policy:
Identity/Age Proof
✔ Aadhaar Card
✔ PAN Card
✔ Passport
✔ Voter ID
✔ Driving License
✔ Birth Certificate
Address Proof
✔ Passport
✔ Utility Bills (Electricity, Water, Gas – recent)
✔ Rental Agreement
Income Proof
✔ Income Tax Returns (ITR)
✔ Form 16
Previous Medical Reports (If any)
KYC Documents
✔ PAN Card (for financial verification)
✔ Aadhaar Card (for identity and address verification)
✔ Photograph and bank details (optional)
Tax Benefit on Health Insurance for Senior Citizens Under Section 80D of Income Tax
In addition to guaranteeing that medical costs would be covered, a senior citizen health policy enables you to take advantage of a tax deduction under section 80D of the Income Tax Act of 1961.
If you have a mediclaim for senior citizens (your ageing parents), you can receive an income tax refund of up to Rs 50,000. And, every fiscal year, you can also receive an extra Rs 5,000 tax refund on payments for preventive medical examinations.
For example, Smita (28 years old) pays a premium of Rs 30,000 annually under health insurance for herself. In addition, she also pays a premium of Rs 40,000 annually for her parents (aged above 60 years). In such a case, what will be her tax deductible?
Hence, in Smita’s case, she can claim a total tax deduction for senior citizens under section 80D in a year of 65,000 after paying a premium for himself and his old-age parents. However, the maximum deductible she can claim is Rs. 75,000, which includes her and her old-age parents.
Read More about Health Insurance Tips for Senior Citizens
Government Health Insurance Schemes for Senior Citizens
In addition to health insurance provided by several health insurance companies, the Indian government provides medical insurance for senior citizens and sufficient health coverage for the elderly. A few of these plans are directly under government control. However, some are provided by state-run insurers.
Ultimately, caring for our elder parents is about honouring the love and sacrifices they’ve poured into our lives. A health insurance plan for senior citizens isn’t just about handling medical expenses—it’s about giving them the freedom to embrace life without worry.
With a solid health plan, we can ensure their comfort, safety, and happiness as they continue to enjoy the moments that matter most.
FAQs about Health Insurance for Senior Citizens
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