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Is Health Insurance Available for Senior Citizens Without a Medical Test?

If you are planning to get senior citizens health insurance for yourself or your parents, make sure to choose the right health insurance provider. The Bajaj Allianz has the best senior citizen health insurance policies that are best-selling in India. If you are confused about the pricing factor, you can calculate the health insurance premium range online before opting for it. However, there arises a question of whether health insurance is available for senior citizens without a medical test. The answer is as follows. Read to know!

Is Health Insurance Available to Senior Citizens without a Medical Test?

Yes, there are many health insurances available to senior citizens without a medical test. Many insurance provider companies offer insurance plans and policies such as Star Senior Citizen Red Carpet Health Insurance Policy without any medical tests. But you must calculate health insurance premium before buying it.

What is Senior Citizen Health Insurance?

Health insurance for senior citizens is a type of health insurance that provides coverage for medical costs incurred by individuals over the age of 60. The elderly can access benefits for preventive health checks as well as cashless hospitalization at the insurance company’s network hospitals. It includes coverage for critical illness, pre- and post-hospitalization costs, pre-existing diseases, hospitalisation costs, and coronavirus treatment.

Why Do You Need Health Insurance Plans for Senior Citizens?

Seniors should have health insurance because they may experience serious health problems as they get older. Your parents’ emergency hospitalisation can be emotionally and financially distressing. You can manage the costs of a hospital stay with the aid of parental health insurance. Other important reasons for purchasing a senior health insurance plan are listed below:

  • Meet the Rising Healthcare Costs: 

Buying a senior citizens health insurance policy is essential for elderly people to access the best healthcare services because the cost of hospitalisation and medical care is rising due to medical inflation.

  • Critical Illness Cover: 

Critical illnesses like cancer, heart conditions, and kidney issues are more likely to be discovered as people grow older. You can add critical illness coverage to your basic plan or purchase it separately with a senior health insurance policy.

  • Annual Health Check-up Facilities: 

Most senior citizens health insurance plans include free annual health checks for their members who are over 65. This facility can reduce out-of-pocket costs because they frequently need to undergo medical screening. Some plans, however, might provide this option every two or three years of being claim-free.

  • Peace of Mind: 

Elderly people may find it upsetting to pay hospital bills, particularly in light of rising costs for both minor and major illnesses. Seniors in such circumstances may find comfort in having health insurance.

Benefits of Senior Citizen Health Insurance

Senior citizens health insurance offers a variety of benefits to elderly people.  Below are some of the primary benefits of buying Health insurance for senior citizens in India:

  • Medical Coverage to Elderly People: 

Senior citizen health insurance plans provide health coverage to those over 60 because most family health insurance plans only cover those under 65.

  • Pre-medical Screening: 

Contrary to regular plans, the majority of health plans do not demand that elderly people undergo any medical testing before purchasing the policy.

  • Hospitalization Expense Cover: 

These plans prevent senior citizens from a variety of medical costs, including those related to inpatient hospitalisation, post-hospitalization, and pre-hospitalization.

  • Cashless Treatment: 

Seniors who are admitted for at least 24 hours can receive cashless medical care at the insurance company’s network hospitals.

  • No Claim Bonus: 

For each year they do not file a claim, it offers senior citizens a No Claim Bonus that entitles them to a discount on their renewal premium. Depending on the plan, it might be between 20% and 100%.

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