In this dynamic period, a health emergency can wipe out savings since medical treatment is expensive. Without proper health insurance, life can become challenging for individuals and families.
As we age, the chance of illness increases. This is why having health insurance for senior citizens is crucial. It provides a financial safety net against unforeseen medical emergencies.
By knowing about the features and benefits of the health insurance plans for senior citizens, you can make an informed decision.
Senior citizen health insurance is a type of medical insurance policydesigned for individuals over 60. As people age, the likelihood of health issues and the need for frequent medical care increases.
Such plans manage the ever increasing expenditure related to medical care stemming from aging by taking care of costs like outpatient consultations, hospitalisation, treatment of pre-existing ailments, and sometimes even critical illnesses.
Senior citizen health insurance policy allows the aged to access quality health services in a timely manner without putting them into financial distress. This is beneficial for the insured as well as the family members as it relieves them of a lot of worry.
Features of Mediclaim Policy for Senior Citizens
Every individual has a different set of healthcare requirements which must be catered to. Therefore, it is essential to evaluate your requirements before buying a senior citizen health insurance plan. These are some of the features of the health insurance plan for senior citizens.
Higher Age Limit
One of the features of the top-up mediclaim policy for senior citizens is the age limit. Most insurance providers offer mediclaim for ages above 70. This helps in ensuring quality healthcare even in later years.
Annual Health Check-up
Another popular feature of the health insurance plan for sr citizens is that it comes with annual health check-ups. With preventive check-ups, early detection of age-related ailments is possible, which helps in tacking medical conditions efficiently.
Pre and Post-Hospitalisation
Not just hospitalisation expenses, the health insurance plan for senior citizens also comes with pre and post-hospitalisation expenses. This generally includes doctor consultations, diagnostic tests, follow-up treatments, etc.
AYUSH Treatment
The senior citizen health insurance plan also comes with AYUSH treatment benefits. It covers alternative treatments such as Ayurveda, Yoga, Unani, Siddha and Homeopathy, offering a holistic approach to healthcare for the elderly.
Emergency Ambulance
The health insurance plan for sr citizens also offers emergency ambulance services. This feature provides timely medical assistance and transportation for elderly individuals during critical situations.
Day Care Procedures
While selecting a senior citizen health insurance also looks for the daycare procedures feature. This will help cover treatments that do not require 24-hour hospitalisation, such as cataract surgery, dialysis, or chemotherapy.
Conclusion
With rising healthcare costs, having a health insurance plan for senior citizens is necessary. An insurance plan offers financial protection against unexpected medical expenses, ensures access to quality treatment and reduces the financial burden on family members. When buying a plan, it is best to go with a reputed insurance provider and compare their health insurance quotes.
