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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.”😌
A Senior Citizen Policy is a type of health insurance policy customized 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.
Coverages
Double Wallet Plan
Infinity Wallet Plan
Worldwide Treatement Plan
Important Features
This covers for all hospitalization expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalizations, 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 hospitalizations 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 hospitalized.
This cover is for all expenses before and after hospitalization 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 2 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 of the pre and post hospitalization 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 hospitalization for this treatment is for cosmetic reasons.
If due to a trauma, a member has to be hospitalized 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 hospitalization, 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 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.
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 |
8400+ 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 |
After my mother’s unexpected hospitalization, we realized the importance of good health insurance. And, Go Digit was a lifesaver. They not only offered us a policy specified for my mother’s age (she is 72) but stood by us through the claim process. My mother’s care wasn’t compromised for a moment, thanks to their support. Truly grateful!
We searched for months to find the right insurance for my 75-year-old father, fearing high premiums or limited coverage. Then we found Go Digit, and it was a perfect fit! My father’s recent health check-up went smoothly, and seeing how easy it was to use the insurance gave us so much relief.
The claim process with Go Digit was smooth. When my father needed emergency treatment, I didn’t have to worry about delays or paperwork hassles. The cashless claim at the hospital worked seamlessly, and we were able to focus on his recovery. Thanks to Go Digit for making it so stress-free!
Once I turned 65, I was worried about my and my wife’s health as we started experiencing knee pain. I discussed it with my son and bought health insurance for senior citizens from Digit Insurance. The policy is affordable and provides great coverage. Now, I have peace of mind knowing that we have access to great healthcare.
When my father suffered a sudden heart issue, we were all anxious and unprepared. Thankfully, we had Go Digit’s senior health insurance 3 years back. The policy covered his surgery and hospital stay, and the team was incredibly supportive.
The older people get, the more they are prone to illnesses and medical emergencies both big and small. A health insurance for senior citizens helps one cover for expenses that could arise due to the same.
Senior citizens often require hospitalization or treatments at home. Depending on their health condition, a health insurance for senior citizens can cover for the same.
Our health insurance for senior citizens also includes psychiatric care, ensuring not only physical but mental wellbeing too.
The icing on the cake! Anyone who purchases a health insurance for oneself and their senior parents, will be benefited with a tax redemption as per Section 80D of the Income Tax Act.
In every health insurance, you have two ways to make a claim; one of which is by availing cashless treatments at any of our network hospitals, ensuring both financial security and consequently your peace of mind.
One of the benefits of a health insurance for senior citizens is the higher sum insured because of the risks and needs associated to their health.
Life is a journey through stages, from carefree childhood to bustling adulthood and golden years.
At every step, health insurance stands as your shield, safeguarding against unexpected medical costs. It ensures access to quality care and protects your savings from life’s uncertainties. Watch the video to learn how health insurance works through different stages of life.
To buy a health insurance plan for a senior citizen, choose the provider that best suits your needs. For example, if you choose a provider like Digit Insurance, here are the steps you can follow:
Visit the Digit Insurance website and enter the city PIN code along with a valid mobile number for verification.
Select the policyholders. For example, you want coverage for yourself, your wife, and your parents (with a specified age).
Enter details such as your parent’s age and any specific medical history they have
Choose the preferred coverage amount, add any optional riders (add-ons) or benefits, and complete the necessary personal and contact details.
Review the policy terms, check the cost breakdown, and verify coverage options.
Pay the premium securely online.
Here is a list of documents necessary to buy medical insurance for senior citizens:
Disclaimer: Some additional documents may be requested based on individual circumstances, policy terms, and underwriting guidelines. Please consult with the insurance provider before buying.
Once you have purchased health insurance for your senior parents, you can simply download the policy from the website or app of the insurance company.
For instance, at Digit, you do not need to carry hard copies of your insurance policy. You can simply download it from our website or app:
Step 1: Sign in to your account on our website with your details.
Step 2: Your policy will appear in your account after you log in.
Step 3: Click on the ‘Download Policy’ option to download your policy.
Step 1: Log in to the ‘Digit Insurance App’ using your number.
Step 2: Click on the My Policies section and all your policy documents can be viewed there.
Step 3: Select the policy and click on Download Policy option.
Filing a claim for your parents is a simple and easy procedure. The hospital you select will determine the claim procedure. You can file a cashless claim if you have chosen a network hospital, or you can use a reimbursement claim procedure if you have chosen a non-network hospital.
Step 1: Notify your insurer and select a network hospital for your treatment before getting your parent's hospitalization.
Step 2: Show your parent’s e-health card at the network hospital helpdesk and ask for the pre-approval.
Step 3: Fill out and sign the form and submit it to the helpdesk.
Step 4: After verification, the insurance company will take care of the cost involved in the treatment.
Step 1: If you select a non-network hospital for your parent's treatment, keep all the medical bills, reports, and other essential expense documents with you.
Step 2: After treatment, contact your insurer and provide them with all the soft copies of the documents and bank account details for reimbursement of expenses.
Step 3: The insurer will verify the documents, and you will receive a reimbursement for the treatment.
Get cashless treatment at 8400+ hospitals across India
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.
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.
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