Why do senior citizens find it difficult to get health insurance policies? As life goes on our vulnerability to developing diseases increases manyfold. Chances of contracting diseases like 1. Hypertension 2. Diabetes 3. Knee or joint pain increases!

Some diseases where getting a policy is extremely difficult:- 🩺Cancer 🩺People who are on insulin(for diabetes) 🩺Heart patients with bypass surgery 🩺People suffering from critical life diseases

An insurer's interest in acquiring you as a customer, and covering you, is inversely proportionate to your age. The older you get, the lesser the chances of you getting approved into the top plans in the country.

High Premiums:- Premium for two 65 yead olf adults without any pre existing diseases can ranfe drom Rs 50,000-90,000 The premium have sky rocketed in the past years.

No cap on age for Senior Citizens:- Before 2024, Senior Citizens above 65 did not get a comprehensive policy. Now IRDAI has removed that cap and comprehensive policies can be issued to senior Crizens with any age

Here are 5 policies that you can buy:- 1. HDFC Ergo Optima Secure:- This policy requires a complete medical check for senior citizens above 65. Here is a complete review of the policy https://x.com/NIKHILLJHA/statu...

2. Niva Bupa Reassure 2.0 This policy can take senior citizens without medical tests. It has riders available to cover Hypertension and diabeties from Day 1 https://x.com/NIKHILLJHA/statu...

3. ICICI Lombard Elevate This policy does a medical check up only in case of any medical issue. It has riders available for Hypertension,Diabeties,Cholestrol and Asthama cover from Day 1 https://x.com/NIKHILLJHA/statu...

4. Care Supreme This policy does not do a medical check up It has riders available for Hypertension,Diabeties,Cholestrol and Asthama cover from Day 1 https://x.com/NIKHILLJHA/statu...

5. Star Health policies Almost all Star policies come with a copay of at least 10% if the entry age is above 60 years. Therefore star policies are not advisible for senior citiznes buying a new policy

6. Acko Platinum Here is a review of Acko https://x.com/NIKHILLJHA/statu...

7. Aditya Birla Activ Health Platinum Again one of the good policies from Aditya Birla with no co-pay and no room rent limit.

Conclusion:- Slowly and steadily policies are being available for senior citizens Premiums are really high for senior citizens. Different insurers provide different levels of strictness in underwriting. Take the help of ur agent to understand which policy will suit u

@NIKHILLJHA Star health

@NIKHILLJHA Which insurer providing fix rate premium for sr.citizen health insurance plan

@NIKHILLJHA @AdityaD_Shah HDFC increased premiums by ~50% in one year

@NIKHILLJHA Can you please suggest which policy cover opd and diagonastic test and pharmacy also without taking any RIADER