Buy Health Insurance Policy for Senior Citizens Online in India
You know what they say, life always comes back full circle.
The hands that once held ours, guiding and protecting us, now reach for our support as they enter their old age. Now it’s our turn to shield them, especially regarding health. So, what better way to show our care than to secure a reliable health insurance plan for senior citizens?
After all, it’s our way of saying, “We’ve got you covered, just as you always had us.”😌
What is Senior Citizen Health Insurance Policy?
A Senior Citizen Policy is a type of health insurance policy customised for people over 60 years old.
This health insurance for senior citizens is designed to suit the needs of elderly people and financially covers for medical expenses such as critical illnesses and accidental hospitalization, annual health checkups, day care procedures, while it also includes special benefits such as home hospitalization and psychiatric support.
Why do you Need Senior Citizen Health Insurance for your Parents?
The out-of-pocket (OOP) expenditure for inpatient care for elderly people is twice as compared to younger people.
Old-age women are more prone to diseases such as diabetes, hypertension and osteoarthritis compared to men.
The elderly population of those 60 and above are more likely to experience major depression, women (9%) and males (7%).
What's Great About Health Insurance for Senior Citizens by Digit?
Simple Online Processes - From the process of buying a health insurance policy to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims!
No Age-based or Zone-Based Co-payment - Our health insurance comes with no age-based or zone-based copayment. This means, during health insurance claims, you need not pay anything from your pocket.
No Room Rent Restriction - We understand that everyone has different preferences. That’s why we have no room rent restrictions in health insurance. Choose any hospital room you prefer.
SI Wallet Benefit - If you exhaust your sum insured in health insurance during the policy period, we will refill it for you.
Get Treated at Any Hospital - Choose from 9000+ of our network hospitals in India for cashless treatment or opt for reimbursement.
Wellness Benefits - Get exclusive wellness benefits on the Digit App in collaboration with top-rated health and wellness partners.
What’s Covered in the Health Insurance Plans Offered by Digit?
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatment Plan
Important Features
All Hospitalisation - due to Accident, Illness, Critical Illness or COVID
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.
Initial Waiting Period
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.
Wellness Program
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
Sum Insured Back Up
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. .
Cumulative Bonus
Digit Special
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!
No Room Rent Capping
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..
Day Care Procedures
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.
Worldwide Coverage
Digit Special
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!
Health Check-up
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.
Emergency Air Ambulance Expenses
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.
Age/Zone Based Co-payment
Digit Special
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.
Road Ambulance Expenses
Get reimbursed for the expenses of road ambulance, in case you are hospitalised.
Pre/Post Hospitalisation
This cover is for all expenses before and after hospitalisation such as for diagnosis, tests and recovery.
Other Features
Pre-Existing Disease (PED) Waiting Period
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.
Specific Illness Waiting Period
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.
Inbuilt Personal Accident Cover
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.
Organ Donor Expenses
Digit Special
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!
Domiciliary Hospitalisation
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.
Bariatric Surgery
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.
Psychiatric Illness
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.
Consumables Cover
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 Digit Health Insurance for Senior Citizens
What's Not Covered?
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.
Any condition you get hospitalised for that doesn’t match the doctor’s prescription is not covered.
From the Hearts of Our Happy Customers
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(250K + Customer Ratings)
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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 10+ Wellness Partners |
| City Based Discount | Up to 10% Discount |
| Worldwide Coverage | Yes* |
| Good Health Discount | Up to 5% Discount |
| Consumables Cover | Available as an Add-on |
*Available only on Worldwide Treatment Plan
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Why a Health Insurance for Senior Citizens is so important?
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:
Digit's Cashless Network Hospitals
List of 9000+ Network Hospitals >Common Health Insurance Terminologies Simplified
The amount of time you need to wait before you can start using any benefits of your health insurance policy.
Copayment means you and your insurer are going to split the bills, i.e. While your insurer will pay for a large share of the bill, some part of it would have to be paid by you.
Sum Insured in Health Insurance is the maximum amount your health insurer will be able to cover for you in one year.
When one needs to be admitted to the hospital for a treatment or operation, but for less than 24 hours only. These treatments are referred to as daycare procedures in health insurance.
Medical bills go beyond what you need to pay for your stay in the hospital. Medical expenses incurred before hospitalisation are called pre-hospitalisation expenses. For eg: Expenses due to diagnostic tests.
When you don’t make any health insurance claims during the year, your insurer will increase your sum insured without charging you any extra premium for it. This increase in your sum insured is called as cumulative bonus.
Some health insurance plans require you to pay from your pocket before they can cover for you. This amount is called a deductible in health insurance. This amount is usually decided by you while buying your health insurance policy.
Any disease or health condition that you have already shown symptoms of or received treatment for before buying a health insurance policy is known as Pre-existing disease. A pre-existing disease cover in health insurance determines when and how such conditions will be covered in your policy.
When you’re not too happy with your current health insurer and want to switch without having to lose out on waiting periods. This process is called portability in health insurance.
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 she can get is a deductible of Rs. 75,000, including 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. 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
Can my senior parents be included in my family floater policy?
No, you will need a separate health insurance plan for them. This is because the health risks and healthcare needs for an elderly person is different and hence you will need a different plan for them. To make the process easier for you, with Digit you can buy your plan together but, your health insurance policy will be issued in two different documents.
What do you mean by annual sum insured?
An annual sum insured is the maximum amount we (the insurance company) can pay you (the policyholder) as an insurance provider during one policy term.
Why do I need a different plan for my parents?
This is primarily because the older your parents get, the more prone they are to illnesses and diseases. Moreover, healthcare needs too are different for elders than they are for others. Therefore, you need a different plan for your parents.
When is the right time to buy a Senior Citizen Health Insurance policy?
A Senior Health Insurance plan is designed for people 60 years of age or older. Therefore, one should buy one once they’ve reached 60 or post-retirement so that they can secure their savings while also ensuring good health and well-being.
What makes the best Health Insurance plan for senior citizens?
The best health insurance plan for seniors is not one that comes with a lower premium but one that factors in everything an elderly person needs. When people turn older, their bodies are in a perpetual state of change. Moreover, their mental health, too, begins to be affected due to the changes in their lifestyle. A plan that provides wider coverage is the best health insurance plan for senior citizens.
Why People of 60+ Age Should Take Digit Senior Citizen Health Insurance?
The likelihood and severity of several illnesses also rise with age, and older people lack a steady source of income. Hence, they must have insurance. They must choose DIgit for their senior health insurance plan because:
- Digit has hassle-free and paperless insurance.
- Our health insurance comes with no age-based or zone-based copayment.
- We have no room rent option, so you can choose any room that suits your preference.
- Choose from 8400+ of our network hospitals in India for cashless treatment.
- Digit provides you with several Riders to protect you completely.
What are the documents required to buy a senior citizen health insurance plan?
The following documents are required to buy a mediclaim policy for senior citizens:
- Adhar Card
- PAN Card
- Income Proof
- Address proof
- Duly filled proposal form
- Medical Reports (if any)
Before I buy a senior citizen health plan, do I have to undergo a medical screening?
Before purchasing any senior citizen health insurance, you might have to undergo a medical examination. Older adults have a higher risk to the insurance company because they are more susceptible to severe illnesses.
Hence, most insurance companies require the senior applicant to undergo a medical examination to evaluate their health and determine the premium.
Do seniors who transfer their senior citizen health insurance policies receive continuity benefits?
Yes. You can transfer your continuity benefits, like waiting periods and cumulative bonuses or no claim bonuses, to your new insurance provider when you transfer your senior citizen health insurance policy.
Does senior citizen health insurance cover critical illnesses?
Yes, Critical illnesses are covered by several senior citizen health insurance plans. Some plans integrate critical disease coverage into the policy, while others offer it as an add-on benefit that can be purchased at an extra cost.
Does the cost of health insurance increase with age?
Yes. As you age, purchasing a health insurance policy will get more expensive. As a result, you should get a health insurance policy as soon as possible.
Do insurance companies provide free yearly health check-ups as part of their senior citizen health plans?
Yes, some insurance companies provide free annual health checkups to those covered under senior citizen health policies. To fully understand the circumstances regarding medical checkups, it is best to carefully examine the wording of a senior citizen's mediclaim policy.
How much does a senior citizen need to have health insurance?
Although senior citizens may require varying amounts of health insurance, it is generally advised that they have coverage of at least ₹5 lakhs to ₹10 lakhs. This is how to ensure you have enough health insurance to cover significant illnesses and hospital stays.
How do I figure out my senior citizen health insurance premium?
The premium is the amount you pay for your insurance monthly, quarterly, half-yearly, or annually. You can decide your premium by considering several factors, such as your medical history, age, type of coverage, waiting period, and the sum insured you want.
What are some mistakes senior citizens should avoid when buying health insurance?
Here is what you need to avoid while purchasing health insurance for senior citizens:
- Choosing a very low sum insured
- Not declaring existing health and lifestyle conditions
- Not customizing the senior health insurance plan with add-ons to suit additional needs.
- Not reading the policy documents carefully
- Solely purchasing a senior health insurance plan for tax benefits only