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Senior Citizen
Coverage Details
Risk Coverage (Sum Assured) *    
This is the minimum amount of money that the policy will pay out to the nominee in case of the insured death.
Personal Details of Insured  
Name * Date Of Birth * Gender
. .
E-mail * Mobile Number *
Contact Number
Location *

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What is senior citizens insurance?

As you grow older, your medical needs increase and you are more at risk for certain age related ailments. Many insurance companies have started offering policies which specifically covers illness or personal injury in old age.

How does it work?

Most Insurance companies will ask you to go through a medical screening before offering you a policy. A medical screening is a set of medical tests which helps the insurance company to ascertain your current state of health. The premium they offer will vary accordingly. This is because you become a more and more risky proposition to insure when your state of health is reducing. Getting the best deal is very important, especially during retirement. This is why it is always a good idea to always compare policies before you take any particular plan.

Why should you take senior citizens insurance?

Post retirement, it usually becomes difficult to cover hefty medical bills. Any sudden medical emergency can result in a huge financial loss. A good senior citizens health insurance plan will take care of all the different costs attached with medical care in old age. In the budget for the year 2015-16, the basic exemption limit for senior citizens has been raised to Rs. 30,000 under Section 80D, so you also get a small tax concession.

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*This is based on the difference between the highest and lowest premium's for a single person, age 25, looking for an individual health policy with the sum insured of Rs. 5 lakhs.
**This is based on the difference between the highest and lowest premium's for a single person, age 25, looking for a term plan, with the sum insured of Rs. 30 lakhs, and the premium paying term of 30 years.
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