Health Insurance plans for 53 year old. Is it possible?
Of course, you can get a Health Insurance plan. In fact, there are Health Insurance plans for senior citizens. Some of the most significant features of Health Insurance plans for senior citizens in India are as:
Hospitalisation cover including medical bills and room charges
Day care expenses
Pre-existing diseases are covered based on the insurance provider
No medical test required before availing medical insurance. This is based on the insurance provider.
Higher sum insured coverage
Faster and hassle-free settlement
Here are some of the most frequent clauses that are not covered under the senior citizen Health Insurance plans –
Any pre-existing injuries/diseases
Any diseases contracted within 30 days of availing the policy
Any non-allopathic treatment
Expenses related to self-inflicted injuries
Expenses as a result of drug abuse
Cost of spectacles/lenses and dental treatment (except arising out of accident)
Medical expenses incurred for treatment of AIDS
Certain ailments like joint replacement, are covered only after 2 years of availing the policy
Injury due to war, act of foreign army etc.
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