Best Senior Citizen Health insurance Plans

An excellent education to novices. Great effort.
Three queries:
1) The maximum limits for senior citzen plans are low. In case if two policies are taken from two insurance companies, can we claim from both the companies ? what is the method ? Suppose policy with X company is for 2 lakhs taken first and policy with Y company for 3 lakhs later. If the claim is for 6 lakhs can i claim from both companies separately ? if the claim is 3.5 lakhs how to apportion the claim from first policy taken and the policy taken later. 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.
2) After claim is made for full policy amount, is continuation of the policy is permissible ? if so will the premium increase?
3) Are Top up of insured amount is permitted in all policies or is it as per the policy of the companies concerned.
Regards Mr. Reddy gaaru,
V Krishnamurthy

I want to cover health insurance for my parents. Father is of 62 years old while mother is 45+
Both are fit and fine . Please suggest me best plan to cover upto 5 lacs . I can spend 20-30 k p.a.

Hi,
My mom is 62 and planning for Knee replacement surgery for her knees by December of 2016. Can u please suggest me a health insurance which can benefit me in some way. Thanks.

My father is 88 years old have knee problem and there is no other dices e. I want to go for knee replacement but get coverage through Medical insurance.
Please suggest if any of the insurance company have policy suitable to us.

Hi Sreekanth,

My Father-in-law is 64 years with Diabetic .
My Mother is 54 years with BP, Diabetic ,cholestral

Kindly Help in suggesting the best health policy

Helllo,

My father is 54 years old and he is diabetic and under control always. No other deceases.

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. Please let me know know.

Regards,
RR

Hello Sreekanth,
I want to buy a good Health insurance for 5 lac for both my parents. My parents are 60+, my father is Diabetic past 10+ years & uses insulin from past 3 years; because of this reason I am not getting any insurance policy. 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 don’t know why it is not covered? Please suggest something or any alternative.

Regards,
Karthik

My father DOB is 26/09/1955.

Is Religare Care health insurance a good option for my dad ?

Hello Sreekanth,

Want to buy for Parents, Father (63), Mother (60). Father had a slip disc surgery but now 100% cured. Mother has Thyroid. So I assume both healthy no existing diseases.

Request for your expert advise to choose among these,
Apollo – Optima Restore
Religare – Care NCB Super

Please help to take decision on below points,

1. Optima Restore is costly then Religare. But Religare has copay which Optima don’t have.
For 20 lakh floater => Premiums are Optima – 80k, Care – 57k => 23k costly. So is Religare better with 20% copay and 23k cheaper premium?
2. Although Apollo has 4 times more market capture then Religare but ICR is same. So Apollo gets +1 for reliability.
3. Auto restore in Apollo is tricky, the insured cannot use the extra sum insured until the basic sum insured plus all bonuses completely exhausted. 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. For 3rd Surgery I will get auto recharge amount to SI.
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. So Religare gets +1.

Rest most of the things I found same in both the products. I found MaxBupa also good candidate. Do you suggest it over these two?

Correct me if any of above concepts, I have misunderstood. Your verdict will be valuable.
First priority is better product and not premium cost.

Thanks in Advance.

sir,my mother age 55 already have star health 2 lakhs sum assured i need increase sum assured 5 lakhs i try to max bupa insurance apply last 2 week back finish medical test report policy rejected medical report problem ECG so my choice

1.top up plan without medical test L&T insurance choice apply or not ? or
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 ?
3.tata aig wealthiness plus plan without medical test but premium higher

any one apply after policy issued any claim process or any problem ?

plz ur choice or any idea new health insurance plz help me

Hi,
Am looking for a health cover for my father who is 54 years old. He has medical history of treating Kidney Stones & Type 2 diabetes. I checked out coverfox plan comparator. But still i am left with no conclusion. Please suggest one which could be suitable

Hi Sreekanth,

Its nice to read all the comments and the suggestions you have been providing.

I have certain questions, please help me clarify them. My father(less than 50 year old) recently met with an accident, no major injuries except a nerve damage which cannot be operated, but needs continuous medication for the same. My mother doesn’t have any major illness.

I am looking for a plan for my parents which can cover MRI scans,lad tests,hospitalization,medicine expense,room charges, instrument charges (as some instruments are suggested for nerve damage) and any other charges.

Please suggest.

Thanks In advance,

Regards,
Shrutiveena

Dear Sreekanth,

Thanks for the information. Its really very useful.

Thanks and Regard

Abhijit

Dear Sreekanth,
I have been reading your blogs/posts on Insurance plans/money saving/investments etc , I found it quite interesting & valuable

Pls. do suggest me following
1) I want take heath insurance plan/mediclaim for my parents my father is above 60 & mother is near to 60 yrs. 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
2) I want to invest money in SIP , I am new to this investment pls. 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. risk & better returns.
3) I am confused in taking Term plan, dont understand which plan to buy…whether ICICI,Max-life,LIC ,SBI or LIC pls. best one
Your reply is awaited

Hi Sreekanth,

I have been looking for a health insurance for my parents.
My father aged 66, had a head injury and was operated in 2006, although he’s fine now he still needs to go the psychiatrist thrice a year, and he’s under medications currently.
My Mother aged 59 is diabetic, she’s undertaking medicines to keep everything under control.
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?

Thanks,
Gagan

Hi Sreekanth,

My mother is a pensioner from state govt (rajasthan) but currently staying with me in maharashtra. She is 50 years old and has been suffering from arthritis and cervical spondylosis since past 2 years. Other than that she doesnt have any other issues. Please let me know which policy I can buy for her as she might need to undergo these disease related surgeries in future considering these diseases are at severe stages right now. And a policy which will cover them as early as possible.

Please let me know your inputs for sure.

Thanks.

Hi Sreekanth,

Thanks for the insightful article.

My mother is 64 and without any pre existing illness. I narrowed down on Iffco Tokio based on my need and Claim Ratio but after callling them multiple times for initiating the medical did not get any response.

Now I am looking for second option. 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.

Given that good private companies will not come with in my budget ( & Iffco Tokio already shown bad customer service) I am now looking for Public health insurer, which all ( Oriental, National & United) look the same. L& T is another option but bit sketical about services as not a very new company.

Can you provide your opinion on the right insurer with the above requirements?

Thanks in advance!

Hi Sreekanth,
Thanks for valuable information. It is indeed tough to select the right insurance plan for parents therefore request your advice.
My father (66) and mother (60) are both having pre-existing diseases (Heart and Diabetes). My employer’s insurance does not cover my parents healthcare. Could you please advise the best health plan for them?
Anurodh