What is Health Insurance

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Health insurance is an insurance product which covers medical and surgical expenses of an insured individual. It reimburses the expenses incurred due to illness or injury or pays. The care provider of the insured individual Health Insurance, directly. Health insurance, covers cost of an insured individual’s medical and surgical expenses. Subject to the terms of insurance coverage, either the insured pays costs out-of-pocket. And is subsequently reimbursed or the health insurance company reimburses costs directly Health Insurance.

Taking health insurance is one of those things an individual cannot ignore given the rising costs of treating health problems. Inflation in medicare or medical treatment is a lot higher than general inflation. Or inflation in other categories like food and clothing. While inflation in most categories is in single digits, inflation in medicare is often higher.

Senior Citizens Red Carpet Health Insurance Policy

  •  For Senior citizens aged between 60 to 75 years.
  •  No pre-insurance medical test required.
  •  Higher Sum Insured coverage upto Rs.10 Lakhs.
  •  Guaranteed lifetime renewals.
  •  Medical Consultations as an Out Patient in a Network Hospital.
  •  Covers pre-existing diseases from the second year onwards.

Health insurance for senior citizen

Health insurance provides a wide range of policies for every age group. However these options can be considered as ‘many’ only if one is below 50 years. Age and the available options for health insurance policy are said to be inversely proportionate i.e. with the increase in age the options are limited. Although the number of options available to senior citizen pales. In comparison to people below 50, but still there are some great policies at their disposal to choose from.

The income of the senior citizen has less scope for step-up. And thus any sudden medical expense causes a strain on their financial well-being. At such times health plan policy for senior citizens proves to be a boon. HDFC Ergo require prospective applicants above the age of 45 yrs to undergo. A fixed number of medical tests like complete blood test, test for diabetes etc. to diagnose whether the senior citizen is already suffering from any health problems. known as pre-existing conditions.

The maximum age upto which one is allow to buy a health insurance policy or even renew it is around 65 years of age. It is never too late to opt for a health insurance policy. The healthcare policies for senior citizen is a bit pricey as with increase in age the risk of falling victim to a number of health problems and disorders increases.

Advantages of a Senior Citizen Health Insurance Plan:

Following are the benefits of availing a senior citizen health insurance scheme for your parents –

  • Tax benefit on medical insurance premium
  • Avail treatment and medical facilities across a host of hospitals across the nation
  • Enjoy Cashless treatment and daily allowance (depends on insurer)
  • Renewal of policy option
  • Domiciliary Hospitalization cover
  • Enjoy free-look period
  • Avail health check-ups annually
  • Reload of sum insured

Family Health Insurance Plan

An efficient family healthcare plan can provide coverage for a family of 4 individuals, parents are generally excluded. But there are many health care insurance providers in the country who have introduced medical policies that can provide cover for your health family including your parents. These policies not only cover your family but can also provide cover for your in-laws and other relationships under extended family plans. Such health plans are boon for those individuals who wish to provide health insurance medical coverage for their extended family. carinsurance6.com

Keeping in mind the rising medical costs it is necessary for every individual to have a healthcare insurance. A medical emergency any time anywhere, leaving an individual emotionals shattered and financial crushed.  Emotional loss is something that can never be compensate, but for the monetary losses during a medical emergency a health plan can definitely be a savior. It is always recommende to buy a family healthcare insurance.

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