: Get the best Senior Citizen Health Insurance by following these 5 steps #IndiaNEWS #Contributor We spend a lot of time worrying about turning older. But do we really plan for it? After the age of

Get the best Senior Citizen Health Insurance by following these 5 steps #IndiaNEWS #Contributor
We spend a lot of time worrying about turning older. But do we really plan for it? After the age of 60, your body is more prone to illnesses and health issues. Not only that, but the absence of a steady income source can also bring additional financial worries in case of a medical emergency. In this scenario, the best senior citizen health insurance can save you from the trouble of arranging urgent funds.

There are many senior citizen health insurance plans available online. But, there are specific features you can look for such as critical illness cover, cashless hospitalization, pre-existing disease cover, and a higher sum assured to ensure you are buying the best senior citizen health insurance.

Let’s take a look at some of the common features of health insurance plans for senior citizens:

??? Cover hospitalization as well as medical bills and room charges

??? Cashless hospitalization

??? Daycare expenses which emerge due to technological developments

??? Ambulance charges

??? Pre-existing disease coverage

??? No medical test is required before availing of medical insurance.

??? Higher sum insured coverage

??? Pre-existing disease coverage

??? Hassle-free settlement

Once you know what to look for, you can start shortlisting the best senior citizen health insurance plans in India to fit your specific needs. To simplify the purchase process for you, we have a list of steps you can follow:

Step 1: Check what medical procedure costs are covered

A report suggests that senior citizens healthcare expenditures are approximately four times costlier than those of young people. Hence, while opting for health insurance for senior citizens, make sure that the coverage offered is appropriate and enough for any unforeseen medical emergency.

Step 2: Always go for a Cashless treatment facility

A cashless treatment facility is a facility where an insurer can be treated without having to pay bills directly to the hospital. This facility is available in the network hospitals of the insurance provider. When you are looking for the best senior citizen health insurance, make sure to buy one from an insurance provider with a vast network list of hospitals. One such reliable option is Care Insurance which is affiliated with over 16500 cashless healthcare providers.

Step 3: Coverage for pre-existing diseases

Often, health insurance policies do not cover pre-existing illnesses at the time of buying an insurance plan. One way around this is to buy the best senior citizen health insurance earlier in life when you do not have serious health issues. Insurance providers like Care Insurance provide coverage for pre-existing illnesses subject to the terms and conditions of the policy.