Health Insurance for Senior Citizens Above 60 Years

Ageing makes you prone to injuries and health conditions which may not arise in your younger age. However, in your 60s, such healthcare conditions require constant medical attention to stay fit and healthy. 

Since these conditions require regular medical treatment and medications, they can get expensive and drain you financially. As medical expenses are rising due to inflation, the requirement for health insurance for senior citizens above 60 years is a must. This blog will cover the requirement for health insurance for 60-year-olds, factors to consider when buying it and more. 

As individuals grow older, their healthcare needs may also increase.. Senior citizens are more susceptible to chronic diseases such as hypertension, diabetes, arthritis, or heart disease. These diseases affect their health and drain them financially during the treatment process. Moreover, the rising cost of medical treatments due to inflation affects an individual’s finances when opting for such expensive treatments. 

Therefore, choosing comprehensive health insurance coverage enables you to receive the best treatment without worrying about expenses. In such situations, ACKO is the perfect choice as it offers comprehensive health insurance coverage for senior citizens above 60 years. 

Furthermore, the affordable premium of ACKO’s insurance plans enables you to combat medical inflation and receive quality treatment in top-quality hospitals. It also offers tax benefits under Section 80D of the Income Tax Act, 1961, to policyholders for the premium amount they pay. 

When individuals are in their 60s, their health is not at its peak and starts deteriorating over the period. In addition, the rise of medical expenses due to inflation makes it difficult to manage the finances and get proper treatment. It is when health insurance for senior citizens comes to the rescue as it offers financial assistance to reduce the burden and get top-notch treatment. You can also opt for a family health insurance policy, as it offers coverage for your entire family under one plan. 

During unforeseen medical emergencies, if you have health insurance, it will protect you financially. You can take advantage of health insurance by paying the premium at regular intervals or looking for plans with lifetime renewability. In addition, when you claim insurance, the insurance company will offer coverage of the maximum sum insured limit. 

Nevertheless, if you have enormous medical expenses, you must opt for health insurance with high coverage. It offers coverage for expensive medical treatments and ensures you do not pay anything from your pocket. Such plans are more integrated and detailed than regular insurance policies, acting as a financial shield during medical emergencies.  The cost of your health insurance plan would depend upon factors like your age, location, medical history, pre-existing diseases, etc. You can input these details in a health insurance premium calculator and get the approximate cost.

When it comes to choosing the best health insurance policy for senior citizens above 60 years, ACKO is a great choice. You can select from ACKO’s three insurance policies according to your health requirements and budget:

It offers 100% coverage of medical bills and charges zero co-payment fees, ensuring you do not have to pay anything from your pockets. In addition, the plan also offers full room rent irrespective of the room type, making it one of the best insurance plans for senior citizens than other policies available in the market. 

It offers options like Rs. 1 cr and Unlimited sum insured with cashless hospitalisations in more than 14,300 hospitals to policyholders in India. Furthermore, the plan charges zero fees on non-medical expenses. It comes pre-bundled with add-ons like Room Rent Waiver and Doctor-on-call. You can also enjoy the benefits of a Zero Waiting Period when you opt for the ACKO Platinum Health Plan. 

The plan comprises all the features of the ACKO Platinum Health Plan and offers extra benefits when you exhaust your existing insurance plan. ACKO Platinum Super Top-up Health Plan is beneficial for you as it gives you an extra sum insured even if you exceed the existing plan’s claim limit. However, this plan will be effective after a set deductible. 

ACKO is one of the most convenient insurance providers in terms of health insurance, as you can seamlessly buy, renew, or claim without hassles. Thus, the app acts as a one-stop-solution to not only your health insurance claims but it also offers other related services.

If you or your parents are in their 60s, you must get health insurance as early as possible. Health insurance for senior citizens above 60 years gives you financial assistance and ensures you get the best quality treatment during medical emergencies. In addition, it acts as a financial shield which helps you combat the rise of medical costs due to inflation and save funds for your future. 

So, if you are seeking health insurance for senior citizens, ACKO is the perfect option due to its affordable premium and zero deductions on claims!

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.