In this blog, we’re going to discuss a very crucial topic — health insurance for senior citizens above 75 years of age in India. At such an age, your body is prone to several such health problems, if not many, and the medical bills can be exorbitant. That’s precisely why choosing the best health insurance for senior citizens above 75 years in India is not just smart — it’s critical.
🧠 Why You Still Need Health Insurance After 75?
After a certain point – let’s use 75 as an arbitrary threshold because this blog has to end sometime – a number of different diseases are going to set in. Without the right coverage, even the cost of routine care can cause financial burden. So, it is extremely important to find the best health insurance for senior citizen above 75 years in India that have good coverage with minimum waiting period and cashless hospitalization facilities.
✅ What to Consider in a Senior Policy
While opting for health insurance for senior citizens above 75 years in India, here is what you need to check:
Pre-Existing Disease Coverage
Most elderly people already have some illnesses. Make sure these diseases are covered under your health insurance for senior citizens above 75 years in India as early as possible with less waiting period.
High Sum Insured
The cost of being hospitalized is going up. So, a best health insurance for senior citizens above 75 years in India should provide a coverage of ₹10–₹30 lakh or higher.
Cashless Treatment
Ensure that the policy offers cashless claims at an expansive list of hospitals.
Low or No Co-Payment
In some cases, the patient must then pay part of the bill out of pocket. Choose a plan with a low co-payment for optimal benefits.
Table of Contents
Health insurance for senior citizens above 75 years in india.
Here are some of the best health insurance for senior citizens above 75 years in India:
🌟 1. Star Health – Red Carpet for Senior Citizen Policy
Eligibility: 60–75 years
Coverage: ₹1 lakh – ₹25 lakhs
**Coverage for pre-existing diseases after 1 years.
It is amongst the common health insurance for senior citizens above 75 years in India, because of the ease of access and a wide hospital network.
🛡️ 2. New India Assurance –
Senior Citizen Mediclaim policy Nayana, you will need to get yourself and your parents all covered under a new health insurance policy other than Jeevan Arogya.
Eligibility: 60–80 years
Coverage: ₹1 lakh – ₹15 lakhs
**Pre-existing conditions covered after 18 months
This is Indian government health insurance for senior citizens aged 75 and above so it is trustworthy and economical.
🌈 3. II. Oriental Insurance –
HOPE Policy For premium and critical illness benefits, the HOPE plan of Oriental insurance offers cover up to 25 lacs.
Eligibility: 60–80 years
Coverage: ₹1 lakh – ₹5 lakhs
**Pre-existing ailments covered after 18 months
A great budget option for health insurance for senior citizens over 75 years of age in India.
🌿 4. Niva Bupa (Religare)
– Care Senior Plan Niva Bupa Religare— Care Senior Plan Plan Name Care Senior Plan Entry Age (In Years) 61 to 65 years Renewability Lifetime renewal Sum Insured (In Rupees) 1 Lakh to 10 Lakh Waiting Period 1 year for all health issues Top-up At 14th & 15th year, additional value 20% and 30% will be added respectively Benefits Covers 6 critical illness, couple-treatment and hospital cash.
No upper age limit
Coverage: Between ₹3lakhs to ₹10lakhs
**Pre-existing conditions covered after 4 years
This is one of the most highly adaptable options to consider when it comes to health insurance for senior citizens above 75 years in India.
🧓 5. Bajaj Allianz – Silver Health Plan
Eligibility: Up to 75 years
Coverage: ₹50,000 – ₹5 lakhs
** Pre existing disease is covered after 1 year.
A useful and popular health insurance for 75 years old in India.
👨⚕️ Final Thoughts
Health insurance for senior citizens above 75 years in India is no longer a luxury but a necessity. As medical charges continue to rise and the potential for health problems grows in the future, it’s comforting to know you have the right coverage in place for the entire household.
Whether if you are expecting government schemes or private plans or life time renewability, there’s a health insurance for senior citiizens above 75 years in India that suits everyone.
So don’t wait. Compare, select and safeguard your elders today with the best health insurance for senior citizens above 75 years in India.
