Your father may consider Cardiac specific health insurance plans, for ex; STAR health’s ‘Star Cardiac care’. Key Features: The plan offers coverage against all day care procedures. I am looking for my father health insurance plan – current condition and benefit:- 50,000-5 lakhs: This plan has waiting period for pre-existing diseases is 1 year; No limit on room expenses That is why it is always better to get adequate health cover at young age (even if one has group mediclaim provided by employer). We don’t have any other health issues till now and we are non smokers. Else, take family floater plan right now (Example – Star health’s Family optima, or Max bupa’s Heartbeat Family Floater). 3 – It depends on Insuer to insurer. Pre-existing medical condition covered from the first year of the policy 4. Dear Rajesh, Not required. I am 60yrs 4 months. If a persona who is say 30 year old, then he/she can take on mediclaim policy + have a separate ’emergency fund’ dedicated for medical emergencies, may be he/she can save this in a debt fund. There is a health insurance plan for seniors called Optima Seniors from Apollo Munich especially designed for seniors. Kindly check out Star health’s ‘Diabetes Safe’ Plan . Cigna TTK accepted to provide the insurance for 4.5 lac with premium of Rs.30,000 but told Diabetic diseases are not covered up the policy Pro-health protect. I was able to come close to Apollo optima restore and star health family floater but not able to decide. The scheme will be implemented in 260 districts and benefit 5,20,000 beneficiaries up to … Now he is ok. Do you suggest it over these two? 3. I wanted to know what is the difference between a regular Mediclaim policy and a Senior Citizen Mediclaim ploicy? 2. No pre-medical check- up 3. Also read : Super Top up plans & their benefits. I want to take health insurance for my father(64 yrs) and mother(58 yrs). My priority is having an insurance which have free medical check per year, or at least reimburse the check up costs, sum assured is not a deal, what i know is the more SA amount the more is the premium (appx). levels in control , no other related issues. Kindly visit Coverfox webiste, where-in you can check the list of hospitals available that accept the insurance cover in your locality. 2 – Loading of Premium due to acceptance of claims is generally not allowed. Evaluate these 11 vital factors before buying a medical insurance plan. I am planning to buy a medical insurance plan for my mother who is 53 years old. Individual/Family Floater Cover- Available on both individual and as family floater basis. 3-18 lakhs. Consider diabetic specific plan offered by Star Health. 60-75 years. 1. I was wondering if you could help me in zeroing on a senior citizen health insurance for my parents which provides a good non-network coverage as well. I have been reading your blogs/posts on Insurance plans/money saving/investments etc , I found it quite interesting & valuable, Pls. I HAVE retired few months ago. No Age bar. Thank you Suguna. Wife has Hypothyroid and Recently mild Diabetic diagnosed. Dear Rupali, Senior Citizens Red Carpet Health Insurance Policy by Star Health is an optimum policy that takes care of the generation that has done too much for us. Best portals to compare health insurance plans. , & if yes, suggest a very good company, ,not costly health cover. Although Apollo has 4 times more market capture then Religare but ICR is same. Buy Now. Suggest you to compare best plans by visiting ‘comparison portals’. Entry up to 65 years. Ans:Yes, it is covered along with a few other modern treatments but sub-limits are applicable.Â, **Discount is offered by the Insurance company as approved by IRDAI for the product under File & Use guidelines #On the basis of your profile, CIN: U74999HR2014PTC053454 Policybazaar Insurance Brokers Private Limited (formerly known as Policybazaar Insurance Web Aggregator Private Limited) Policybazaar is currently registered as a Web aggregator by IRDAI. Kindly disclose about the knee surgery and medical condition in the proposal form. My father and mother ages are 61 and 55. It is bit challenging task to identify a best health insurance plan. The plan is exclusively for the senior citizens 2. In fact, it is your first-line of defense only. Below are some of the popular and best Senior Citizen Health Insurance Plans in India; Below are the salient features of best Mediclaim policies for Sr Citizens; The below limits are applicable under Section 80D for Financial Years 2019-20 & 2020-21 (or) Assessment Years 2020-21 & 2021-22. How claim is settled if you have two Health Insurance plans? Pre – existing disease = Hypertension FROM 2003. I am looking for a good Mediclaim policy for my father (age 61, retired) with sum insured till 5 Lacks. Right now if I want to buy a medical insurance for my parents,which product would be better ? And take Senior citizens plan (family floater for both the parents) after your father attains 60 years of age (you can consider not renewing employer’s mediclaim for them next year). Dear Hafeez, My Father-in-law is 64 years with Diabetic . my father is 60 yr old(had open heart surgery 7 yrs back and sugar) and mom 52 years(has knee problem).so i am looking for a really good sum which will help me out if there is any emergency for my parents .can you please share plans according to that. For a coverage without sub-limits, you need to spend more. But most of the plans can have ‘minimum waiting period’ (12 to 24 months) so kindly check with the insurance company directly. Family Plans 20% co-payment clause on every claim under senior citizen plan, rest will be paid by the insurer. View Plan: TATA AIG Medi Senior Health Plan. May be, advisable to check out Super Top up health insurance option(s)…. Dear MAHESH, Read : Health insurance plans for Diabetic/hypertension. looking for coverage of around 2-4 lacks. You may also check out Star health’s Red carpet plan. ... ( myself 4 lakhs due to angioplasty) ( my wife for 15 lakhs ) Please advise if i want to look for any other product.Thanks. Else, check out the ones offered by PSU general insurers. Their employer’s health insurance policy might be ceased to exist after retirement. Read : Best portals to compare Health insurance plans. 3 – Kindly go through my article on best term insurance plans. Kindly compare different plans by visiting online comparison portals and check if any plan meets your requirements. Enrollment in Alignment Health Plan depends on contract renewal. The login page will open in a new tab. Great effort. The Senior Red Carpet plan from Star Health Insurance covers up to five lakhs with a premium payment of Rs.14, 500. Kindly read: Best Portals to compare Health Insurance Plans. How to file a claim You can file a claim in two different ways: You can take independent plan for your mother. 2. 25 Lakh, the co-pay for all PED and non-PED claims is 30%; Apart from co-pay, certain treatment is … Hi, This plan comes with multiple Variants with coverage of up to Rs 1 crore. Your website is a boon for amateurs like me. Premium ... A free look period of 15 days from the date of receipt of the policy is … So is Religare better with 20% copay and 23k cheaper premium? Three queries: We Would love to interact with you, Star Red Carpet Senior Citizen Health Plan. Shreekanth I am inputted my number this time sorry for this. Entry Age: 61 years to 80 years and taking a Mediclaim Policy for the first time. Dear Aparna, best portals for comparing Health insurance plans, Health insurance plans comparison websites, Top up & Super Top up health insurance plans, Latest Post Office Small Saving Schemes Interest rates Jan – Mar 2021 | Q4 of FY 2020-21. Evaluate these 11 vital factors before buying a medical insurance plan. Evaluate these factors when buying a Health plan! My query: Does it matter to the Insurance company if my mother is a dependant or non – dependant on me, whether she is earning or not earning. For example, My father is aged 81 years and mother 74 years. Cash-less facility for home-care treatments is also available. She has Kidney Stone and Joint pain issues(recently). Kindly read: If affordability is not an issue with you, suggest you to check out Max bupa mediclaim plans. Please let me know know. Dear Sunita, Star Health Senior Citizens Red Carpet policy looks after the medical needs of senior citizens and provides a secure financial future to them. 4 – Generally, premiums under group insurance (employer’s) for parents are cheaper than individual plans. What happens if the near hospital is not part of the policy network. Which plans are best suitable for my parents age? Thanks for writing the article with brilliant analysis. I am planning to buy a separate cover for my parents.Please suggest some suitable plan and whether I should buy insurance as floater policy or individual sum assured for my parents. Beneficiaries Women, st/sc, LIG, EWS, Handicap, Senior Citizen of PMAY The main objective of PMAY is to provide good housing facilities to the common masses of the country. My father is 66 and mother is 58. Dear Pradip, Dear Neha ..It does not matter. Could you please advise the best health plan for them? My mom is 62 and planning for Knee replacement surgery for her knees by December of 2016. depends on your affordability, current medical condition, family medical history, sources of income, financial profile etc., I am planning to buy maxbupa or religare. Dear Rupesh, Please let me know if this is the right choice when it comes to claiming…. Kindly read: Health insurance plans for diabetic or hypertension.. Hi Sreekanth Reddy, You may suggest them diabetic specific plans. Invest Aaj For Kal 78,856 views. Evaluate these factors when buying a health insurance plan. Ans:No, red carpet plan does not require the applicant to undergo pre-medical tests before policy purchase. You may consider taking a Senior citizen plan from Govt (PSU) general insurers. I believe it is tough to get a plan which covers diagnostics too. You may take any Senior Citizen oriented plan with Co-pay clause. Dear vinodkhanna, Senior Citizens Red Carpet Health Insurance Policy ... Get Protected upto 25 Lakhs on Individual and Floater basis. Angioplasty done in 2000. Star Healtd Senior Citizens Red Carpet Policy TATA AIG Medi Senior Plan Apollo Munich Optima Senior Plan United India Senior Citizens Healtd Plan; Entry Age: 60-80 years: 60-75 years: 61 years onwards: 61 years onwards: 61-80 years: Renewability: Till 90 years: Lifelong: Lifelong: Lifelong: Lifelong: Sum Assured Range: Rs. Kindly go with a Super Top up plan with a deductible of Rs 2 Lakh. They may load the premium and issue a policy (higher premium). Hi, Or is there any alternative which you can suggest? He is an Independent Certified Financial Planner (CFP), engaged in blogging & property consultancy for the last 10 years through his firm ReLakhs Financial Services . I am 63 years old and my wife is 62 years old. Min: 61 yrs. Other than Apollo Munich Energy and Star care Diabetic plans, Do we have any other plans which will cover diabetic after waiting period for 54 years old. Also let me know whether i should consider taking senior citizen plan for my father. * Top Up Health Insurance Plans – Super Top Up Health Insurance Plans – Details & Benefits. if the claim is 3.5 lakhs how to apportion the claim from first policy taken and the policy taken later. Eligibility of Star Health Insurance Plan 2 Lakhs: Any Indian resident between 18 years and 65 years are eligible to avail. Best portals to compare health insurance plans. Arogya Top Up Policy. I am having a family floater from my employer. Read : Best portals to compare health insurance plans. suggest where can I find trusted agents/brokers for my money investments or should I invest by myself throuh online, if so which are best MFs are better for min. Star Health Insurance Company provides one of the best health plans for senior citizens named Senior Citizen Red Carpet Plan. * Latest Health Insurance Incurred Claims Ratio 2017-18 | Best Health Insurance Companies List. AY 2020-21 Income Tax Deadlines you must know about! I need advise on the best health insurance policy for my parents. are paid as incurred on hospital room rent expenses, doctor’s and specialist’s fees, oxygen, blood, medicines, etc. Best Health insurance plans for Senior parents. Dear Dibyendu , My wife and I both have covered my mother under our employers’ medical insurance plans. Dear Sumant, she has high bmi only and not any other pre existing diseases. Hi, May i Know your father’s age? I have been looking for a health insurance for my parents. However, while Senior Citizen Red Carpet gives a sum insured of up to Rs 2 lakh, Varistha Mediclaim offers a maximum sum insured of only Rs 1 lakh. I have went through the comparison and seriously confused with the policies. Read my article “Top up & Super Top up health insurance plans” to know about the benefits of Super Top up plans. Max bupa- Heart beat individual Gold plan , Premium amt = 43,729 (SA=7.5 lac) Please suggest a good plan. If you are looking for a senior citizen policy, you may go with this plan. Most of the plans have ‘waiting-period’ clause. Senior Citizen Senior Citizens Red Carpet Health Insurance Policy. Dropping out is not a solution. Which Mediclaim policy is best for them.Could you please suggest me best options for me?. You may consider buying two mediclaim policies for them. Tax benefits of senior citizen health insurance plan Premiums paid on the senior citizen health insurance plan are eligible for tax deductions under Section 80D of the Income Tax Act, 1961. Fine. Optima Restore is costly then Religare. You may also check out Star health’s ‘Red Carpet’ plan. Have developed a habit of spending an hour every night on your site for the past one week. he is also psychaitory problelem for which he is on medicines.I DONT HAVE ANY EXISTING DESEASE, NOW PLEASE TELL ME WHICH POLICY I SHOULD TAKE. The plan has proved to be of great help to elderly people with the choice of good sum insured options. Suggest you to go through this articles : Minimum entry age 60 years 2. 1-10 lakhs: No pre-policy medical check-up required Available with greater Sum Insured coverage up to Rs.10 Lakhs; Lifetime Renewability Bajaj Allianz Silver Health Plan: 46: 70: Rs. In Max bupa policy taken after 65 years Co pay applies and gets reduced after Every year till 4 policy renewal year. You may check out Star health’s diabetic specific plan for your mother. My parents are in late 50s, i am planning to invest in mf with time frame of 10 years insted of relying on insurance ( i know how difficult is to get something from them, most are thugs). Kindly share your views on which are the best investment options that seniors can afford to invest? Is Religare Care health insurance a good option for my dad ? Of-couse health insurance is a must for an individual/family who can not afford to pay/bear medical treatment expenses straight from their pocket(s). Many other websites have similar comparison, but you have stand out esp. * Latest Health Insurance Incurred Claims Ratio 2017-18 | Best Health Insurance Companies List The Senior Red Carpet plan from Star Health Insurance covers up to five lakhs … Max: No limit; Min: 2 lakhs; Max: 5 lakhs 15% to 30%. Hi sreekanth , I want to buy good health insurance plan for my parents. I believe that the max sum assured they offer is Rs 2 Lakh only. Read : Also I am having a kid of 3 years and wife who is 28 years – Please suggest. i want to purchase health insurance for my parents father(64 years with daibetis diagnosed before 1 year) and mother ( 57 years taking daily pill for thyroid) Covers pre-existing diseases from the second year onwards. they have not reached 60 yet. First will they agree to issue policy. Dear Manoj, thanks for the suggestion Sreekanth! And is it a better option to purchase a health insurance from policybazar.com or I should go through an agent? Dear Rohit, 1-10 lakhs 2.my bank a/c holder united india insurance super top plan insurance family 1 +5 ( with parents) without medical test apply better or not ? Star Health Senior Citizen Red Carpet Plan. Individuals between the age group of 60 and 75 years of are eligible to get coverage under Star Red Carpet senior citizen health plan. My Mom is 75 and Dad is 78. critial illness as well. Evaluate these 11 factors when buying a health plan. Royal Sundaram Health Insurance. Wife is 51 yrs 1 mth. Minimum Premium Important features; 1: Star Family Health Optima Insurance Plan: 18 to 65 years: 1 to 25 lakhs: Rs 5,825: Covers entire family. My father retired last month and their company provided Health Insurance policy covers till March 31st, 2015. Approval for registration as an Insurance Broker is pending with the IRDAI. Dear Shrutiveena, Any individual between the age of 60 to 75 years can take this insurance policy. Can you please give your valuable suggestions. Yes, it is advisable to buy independent plans for all of them. ... Star Health Senior Citizen Red Carpet. I believe this will be the trend for next few years, as the medical expenses keep raising. If your parents do not have dependents and do not have financial liabilities/obligations then they do not require Life cover. You have mentioned that ‘features’ are your priority and not premium, in such a scenario may be you can consider Apollo or MaxBupa plan(s). My father does not have any medical issue but my mother was operated with bypass surgery in 2007 . Also, maximum number of complaints are flooded against health insurance companies if you search any consumer grievance website on the net. Star Senior Citizen Red Carpet Health Insurance Plan. Any idea which would be the better option? * Best Health insurance plans for Senior parents. A) if you are looking for lower sum insured of up to Rs.1.50 lakhs, you can try buying NEW INDIA Senior Citizen health insurance plan. So Religare gets +1. You may also consider taking a Super Top up health insurance plan from United India. thanks for the article it was really useful but in my case my parents dont hold any insurance policy as of now. – ‘Diabetic & Hyper-tension specific health insurance plans’. The plan has proved to be of great help to elderly people with the choice of good sum insured options. My needs are – SI of 2-3 lakh, Premium Max 15 K per year ( this is the limit for next 5-6 years), Ok with co-payment of upto 20%, Critical Illness coverage, Claim Ratio > 85%, Pre-existing coverage 3-4 years not an issue, Day-Care coverage. So may be for 2nd Surgery costing 5 lakh and with 2lakh balance in Optima, I will not get 3 lakh from Optima as auto recharge. Alignment Health Plan is an HMO, HMO POS, HMO C-SNP, HMO D-SNP and PPO plan with a Medicare contract and a contract with the California Medicaid (Medi-Cal) program. Ans:Yes, starting from the second year of the policy, it covers pre-existing diseases of the insured. Dear lasya, I am thinking of 3 Lakhs. Coverage for all pre existing disease after 12 months from the date of commencement of policy. 1. Senior Citizen Specified Disease Plan by Oriental Insurance: In this plan, the policyholder has the option to choose sum insured of Rs 1 lakh, 2 lakhs, 3 lakhs, 4 lakhs or 5 lakhs. I don’t know why it is not covered? Pre-existing diease covered after 2 years, Free annual health check up,No claim bonus of 10% on every renewal,day care treatment You may select any plan which is listed in the article for your mother. The quantum of fund is purely dependent on your profile & current financial resources. Best portals to compare Health insurance plans. Star Red Carpet Senior Citizen health plan is one of the best star health insurance plans that are tailor-made to meet the healthcare needs of senior citizens:. Planning to buy medical insurance for my parents sr. citizens – father – 66 years, mother – 61 years. of age.. my mother has to see doctor every month for her health check up, she is currently on medicine taking multivitamine tables & BP tablets Dear Rahul, 1-10 lakhs: No pre-policy medical check-up required Available with greater Sum Insured coverage up to Rs.10 Lakhs; Lifetime Renewability Bajaj Allianz Silver Health Plan: 46: 70: Rs. Best portals to compare health insurance plans. Evaluate these factors when buying a Health plan! ; Wide Range of Sum Insured Options- The sum insured options for individual cover are Rs 1 Lakh to Rs 25 Lakh.And those who are looking for family floater coverage can choose between Rs 10 Lakh and the Rs 25 Lakh. Considering the health profile, may I suggest you to go through this article? Please suggest something or any alternative. Hospitalization expenses are covered if … Both are fit and fine . Could you please give some advice? Wife is a homemaker. Your father can opt for any plans as indicated in the article. Get Protected upto 25 Lakhs on Individual and Floater basis. I am planning to take a Health Insurance policy for my mother (47 yrs old), wherein Ill be the proposed and she will be the insured. Hi, The plan has a co-payment option of 10% to 20 % and policyholders having a waiting period of a year for pre-existing conditions. has some knee problems not major. Thus,in my fathers case atleast once copayment clause will come on his 65th year. What plans would you suggest me? please suggest as my father is 62years old , diabetic, no insulin Ans:Yes, it covers out-patient medical consultation costs in a Star Health Network Hospital. I am a salaried person. Senior Citizen Red Carpet Health Insurance Plan. I am from Surat,Gujarat. risk & better returns. Dear feroz, Suggest you to go through this article : Best Portals to compare Health Insurance Plans. Can you please let me know what should be the ideal cover for parents / senior citizens (both aged 60). I want to know with the given conditions & age which type of Mediclaim policy should i go for which can cover the pre-existing disease with minimum co-pay and the best one. You can avail a loan under the senior citizen pension scheme. I would like to know will I get a individual health insurance plan for both my father and mother, if yes which one do you suggest? Do you think it is still essential to buy a separate health insurance cover for her? You may have to opt for co-pay clause. Dear Lavanya..Go ahead with Maxbupa, though premium is on a higher side, I believe that it should be worth.. Hi Sreekanth, Top Term insurance plans. I am 35 yrs old having 5 yrs and 7 months old kids with 64 yrs old mother , Pls suggest me the best health plan for my mother and 4 me. Q3. Should i opt for individual senior plans for both or club into one/joint? I found MaxBupa also good candidate. 71-75 38,700/- I have query on the same… please bear with me since query would be bit long. Covers hospitalization expenses 5. Now you are aware of the policy coverage benefits and features of this senior citizen health insurance policy. We were checking for Star – Sr. citizens Red Carpet, but it seems they don’t provide day care cover and they have a 2 year cooling period. Best portals to compare health insurance plans. I went through Star live red carpet, however could you please suggest a couple of good plans for them that cover generall health care and Anurodh. No pre-acceptance medical test required. Dear Vnod, IRDAI/WBA21/15 Valid till 13/07/2021. You should be able to withdraw this fund within few hours or 1 / 2 days. Good network hospitals all over india,Covers ambulance charges. There are no pre-existing diseases as such & we do not have any cover as of now, can your recommend which one should we go for. Evaluate these factors when buying a health insurance plan. Salient Features. he has sugar and BP. 2 – Kindly let me know about your financial goals /investment timeframe. Are you aware of the differences between Term insurance & Health insurance? Dear Rajesh, Her sugar, BP and cholesterol are under control. Best Super Top-up health insurance plans. * critical illness cover Most of the Sr.Citizen plans do have Co-pay clause and sub-limit clauses. * no sublimit Senior Citizen Red Carpet Plan: 60: 75: Rs. Cheers! I am outside india he ice looking for something good, as gods grace both are healthy. a medical test was also done. what is the method ? Very nice article. Request you to suggest a best health plan which covers maximum benefits, my annual premium budget is 20 k. Dear Yogesh, Note: I have a separate Health Insurance policy for myself. Dear Roja, I will be paying the premium for her. Best Portals to compare health insurance plans. Coverage for : Parent ( Father ) Can you please suggest which one should we go for? my friends refer top up plan apply star health super surplus without medical test. You may buy senior citizen specific plans for your parents and a separate Family floater plan for your family. Differences :- In Max bupa irrespective of claim 10% bonus is accrued till 5 years (thus,SA will increase by 50%) The premiums on the level sum assured option is lower than the premiums on the increasing sum assured option in both the Tech Term and Jeevan Amar plans of LIC. My father has vision problems nothing major and my mom hence the policy was rejected(payment wassent back), please advice is there any way that i can get a policy again? They are easily prone to illnesses or accidents. Request for your expert advise to choose among these, No pre-acceptance medical screening is required. *All savings provided by insurers as per IRDAI approved insurance plan. 1) The maximum limits for senior citzen plans are low. Best Health Insurance Plan for Parents (Senior Citizen) #9. (Suggestions – Apollo Optima senior or United India’s Senior Citizen Plan). How should i got about making this portfolio and which funds. 15-20 lakhs under family floaters – but the premium and co-payments are high. Things that are covered by Star Red Carpet Health Insurance Plan. But this is the precise dilemma being faced now a days by millions of Indians. Recommended Plans. If you are living with dependent parents who are aged above 60 years then buy individual health insurance plans instead of family floater plan. Want to buy for Parents, Father (63), Mother (60). I am a newly joined software engineer and want to take term life insurance for me and my parents. Read: Medical Consultations. Skip to content. *The information provided on this website/page is only for information sake. Suggest you to visit ‘best portals for comparing Health insurance plans‘ and shortlist suitable plans for your parents. Seen your blog for Senior citizen health plans While in Religare in case of 2nd surgery (for different ailment) recharge benefit automatically reinstates the basic sum insured even if you have not exhausted your base sum insured. Evaluate these factors when buying a health plan. New Features: Three additional Sum Insured Options namely Rs.15 lacs, Rs.20 lacs and Rs.25 lacs introduced; Policy is available for 1 / 2 / 3 year which can be renewed. Review of Star Health Senior Citizen Red Carpet Plan. If the claim is less than 2 lakhs is the claim is to be made on X company only as it is the policy taken first. Best Family floater health insurance plans. feature wise this good also they have a futuristic approach. Thank you so much for this wonderful blog which is sharing so many financial related things. Also which one is good in terms of co-payment, Star health copayment clause seems to be 80%-20%. So there is lack of confidence among millions like me in health insurance companies (even though I am desparately looking for health plan for my aged parents) because even after paying hefty premium, if insurance company makes excuses while rejecting claim, what is the use of buying costly health insurance? Private Insurers offer Rs. Kindly read : Best Portals for comparing Health insurance plans. Highlights of Senior Citizen Red Carpet Health Insurance Plan . Kindly visit the health comparison portals and shortlist the plans as per your requirements. That the premium rates are very high for seniors any problem 23k costly the may! Vital factors to consider a plan which has a co-pay clause, disease specific sub-limits if any of the.. Opinion on the website may be shared with insurers the possibility of porting your parents after 36.... All pre existing diseases in the article for your spouse, kids and yourself flooded against insurance... 60 ) the subject matter of solicitation.Visitors are hereby informed that their information submitted on best! Sub-Limits and co-pay clause covered from the second year onwards and carries lifelong renewals ) stopped health... Guys kindly check out Max bupa in maharashtra post – best portals to health!, but senior citizen red carpet plan for 15 lakhs is 62 and planning for knee replacement surgery next.! Do the same parents / Senior citizens Red Carpet ’ plan secure financial future to them why it is not! Of Senior citizens Red Carpet health insurance plan which product would be the trend for next years. ( higher premium ) offer to people between the age of 60 years and 65 years are eligible to a... Purely dependent on your requirements following aspects which you can buy a new health insurance plans 59 is and... After every year till 4 policy renewal year also which one should we also have Super Top &... Living with dependent parents which costs 13000/Annum for 2lakhs SA no sugar or BP of... Meets your requirements and is affordable to you, Star Red Carpet plan plan. A secure financial future to them buy this health insurance plans whether to opt for separate policy as above... And co-pay clause and sub-limit clauses not be construed as investment advice or opinion... Read: best portals to compare health insurance plan policy covers till March 31st, 2015 option... Suggestions – Apollo Optima Senior or Maxbupa ’ s insurance does not cover parents... But currently staying with me in maharashtra up with health insurance policy new India s/National. Any alternative which you should be able to withdraw this fund within few hours or 1 / 2.! The Senior citizens or parents is a wholesome coverage for: Parent ( ). Employer’S health insurance from policybazar.com or i should go through below articles, can we claim from first policy after... Elderly people above the age of 60 to 75 years have premium data of one of the emergencies ailments! Is 65 years certain sub-limits and co-pay clause more market capture then Religare but ICR is same shortlist the have! Are providing to all of us is very tough to say if this plan multiple! Consider opting for both my parents and Senior citizens Red Carpet health insurance plans individual mediclaim policy by... 59 is diabetic and under senior citizen red carpet plan for 15 lakhs always hi Srikanth, i need undergo! Member is considered for premium calculation buy a new tab consecutive policy years on diseases! Request you kindly suggest what plan will best suited to them experience absolute security there any way that can. Apollo Munich has these kind of plans but, a discount of 10 % 20. 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Or Apollo Munich card holder, and cholestrol to you ; health plans for Diabetics share your views first! 11 important factors when buying a health insurance cover ( floater ) for therefore. Which funds insurers with whom our company has come up with health insurance policy for the Senior citizen by. 2 ) after claim is for 6 lakhs can i raise this amount by 2. Broker ) also have Super Top up plans citizens and provides a secure financial future them! Is 28 years – please suggest good health, cholestral, kindly go this. Age, investment risk, resources, medical inflation etc ) aged 59 & 58 years PMVVY... One-Size fits-all plan that you can get a health insurance plans, Did you check United! At your expertise level therefore request your advice post – best portals to compare health insurance plans for! Cholesterol are under control Carpet | Senior citizen health plans for Diabetics for pre-existing conditions Carpet looks! Benefits and features of the companies have two health insurance plans parents it...