Cover for the parents who covered you
Insuring someone over 60 is a different game, higher premiums, longer waiting periods and more fine print. We find the plan that still pays when it matters most, and tell you honestly what it won't do.
Cover that actually works for you
Plans that accept higher ages
Many insurers stop at 65. We know the ones that still take new members later, and renew for life so cover never lapses with age.
Pre-existing conditions, handled
Diabetes, blood pressure and heart conditions are the norm at this age. We shortlist plans with the shortest realistic waiting periods for them.
Day-care & modern treatments
Cataract, dialysis and similar procedures that no longer need a 24-hour stay are covered, these are exactly what seniors claim for most.
Cashless hospitalisation
Treatment at network hospitals without arranging a large sum upfront, which matters when the family is already under stress.
Sub-limits explained upfront
Senior plans often cap room rent or specific treatments. We show you these before you buy, not at claim time.
Ranked by claim record
At this age a reliable payout matters more than a cheap premium. We rank insurers by how well they actually settle.
Find the right fit
Not sure which one suits you? That's exactly what our free call is for.
Senior-specific plan
Built for 60+, with higher entry ages and features tuned to older members.
Parents above 60
Separate individual cover
Each parent gets their own sum insured, so one illness doesn't exhaust the other's cover.
Both parents insured
Base + super top-up
A smaller base plan paired with a top-up, often far cheaper than one large policy.
High cover on a budget
Critical illness add-on
A lump sum on diagnosis of a major illness, paid on top of hospitalisation cover.
Extra protection
What to check before insuring your parents
- Maximum entry age and whether renewal is guaranteed for life
- Waiting period for their existing conditions, the single biggest factor
- Room-rent caps and co-payment (many senior plans make you share the bill)
- Sub-limits on common procedures like cataract and knee replacement
- Whether a pre-policy medical check-up is required, and who pays for it
- Network hospitals near their home, not just near yours
Advice with zero spam
Talk to IRDAI-certified advisors who get paid to help you, not to push a product. No call-centre scripts, no endless follow-ups.
We handle the paperwork
From shortlisting to medicals to policy issuance, we stay with you end-to-end so nothing falls through the cracks.
Claims support for life
When you need to claim, our team helps you file, follow up and get paid, for as long as you hold the policy.
Senior Citizen Health Insurance FAQs
Usually not. Several insurers accept new members well past 60, and a few go higher. Premiums rise with age, so the sooner you start, the better the terms, but it's rarely too late to try.
Usually separate. Adding a senior to a floater prices the whole policy at their age and lets one big claim eat the family's shared cover. We'll compare both and show you the maths.
You can still get covered, those conditions just carry a waiting period before related claims are payable. Declare everything honestly; that's what keeps the claim safe later.
Co-payment means you pay a fixed share of every claim (often 10 to 20% on senior plans). Some plans let you drop it for a higher premium. We'll tell you when that's worth it.
In a metro, ₹10 lakh is a sensible floor, often reached more cheaply with a base plan plus a super top-up. We'll size it against the hospitals they'd realistically use.
Insurers we place senior citizen health insurance with
Health insurance
Get senior citizen health insurance advice you can trust
Book a free, no-obligation call. We'll help you choose the right cover, and nothing you don't need.