As a person’s age increases, they are more likely to face various diseases associated with ageing. It is very important for all our senior citizens (people who are 60 years of age and above) to get their health insurance at this time. You must also know that managing expenses like costly treatments, hospital expenses, and medical emergencies becomes very difficult when you do not have any health insurance.
In 2025, many companies will offer tailored plans specifically for senior citizens. Today, in this blog, we will tell you about the best health insurance plans available in India, detailing each one.
Why is senior citizen health insurance necessary?
- As you grow older, you are at a great risk of falling ill
- To avoid hard hospital bills and expensive treatments
- For mental peace and financial security
- For no-claim bonus and cashless hospitalisation
What things should be kept in mind while looking for good health insurance?
1. Entry as a limit
Before buying a plan, check the entry limit; all entry limits are different. Pay more attention to the age.
2. Diseases Covered
You should also check which diseases are covered there. Are pre-existing diseases also covered there?
3. Waiting period
Wherever you are going, also check whether the waiting period is shorter for pre-existing diseases there.
4. Claim settlement ratio
Also, check what is the claim settlement ratio of the company. The higher the claim settlement ratio, the better and more reliable it will be.
5. Room rent limit and sub-limits
We also get room rent limits and operation sub-lines in some plans.
6. cashless hospital network
In most cases, cashless treatment should be available in any hospital.
Top 5 senior citizen health insurance plans in India (2025)
Plan Name
Maximum Cover
Entry Age
Waiting Period
Claim Settlement Ratio
- Star Health Senior Citizens Red Carpet ₹25 Lakh 60+ 1 Year 94%
- Religare Care Senior Plan ₹6 Crore 61+ 2 Years 92%
- Bajaj Allianz Silver Health Plan ₹5 Lakh 46+ 1 Year 98%
- HDFC ERGO Optima Senior ₹10 Lakh 61+ 3 Years 96%
- ICICI Lombard Complete Senior Care ₹25 Lakh 60+ 2 Years 97%
How to choose the best plan?
- Star Health Hospital will be the best option for you if you want a larger hospital network and want to wait less for it.
- Religare Care Senior Plan or ICICI Lombard plan can be the best option for you if you need a great cover (High Sum Insured).
- Bajaj Allianz can be the best option for you if you want your claim settlement ratio to be the highest.
Estimated cost of premium throughout the year
₹15,000 – ₹80,000 (depends on age, cover amount, and medical history)
Benefits of Senior Citizen Insurance
No claim bonus
cashless hospital facility
free health checkup
ambulance cover
daycare treatment cover
Questions that require more attention (FAQs)
Are pre-existing illnesses covered?
Yes, but this is after the waiting period.
Does the premium keep increasing every year?
Yes, as per your increasing age and medical inflation, you can get this to see a premium increase.
Is there any tax benefit for senior citizens?
Of course, you get the benefit of tax deduction as per section 80D.
How to claim cashless?
You can get treatment directly at the insurance company’s network hospitals, and the payment will be made directly by the company.
final suggestion
Compare at least 2-3 companies before purchasing a senior citizen health insurance plan. Carefully read the plan documents and choose the right coverage based on your health condition.