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Star Red Carpet senior citizen health plan is perfectly designed for elderly people above the age of 60 years. Do check out. 1. Dear Ashish, 15% of Total Cost + 25% of other charges Within 18 months of booking or on casting of 6th floor roof, whichever is later. You may also check out Star health’s Red carpet plan. Did you check out ‘diabetic’ specific plans offered by Star health or Apollo Munich? Individuals between the age group of 60 and 75 years of are eligible to get coverage under Star Red Carpet senior citizen health plan. If it is not, you may go ahead and take the suitable plan for your parents if it meets the requirements. Best Portals to compare health insurance plans. Care for Senior citizen health insurance offers 10% increase in Sum Insured for every claim-free year. I am a newly joined software engineer and want to take term life insurance for me and my parents. Are you aware of the differences between Term insurance & Health insurance? Health Insurance for Senior Citizen ... health Suraksha Silver Smart is the most-suited plan for senior citizens to take care of all your medical needs at an affordable premium with sum insured ranging from 3 to 5 lakhs. This housing scheme is scheduled to be completed within mid […] thank you. Regarding my parents plan, could not find a plan which covers for cataract surgeries. they have not reached 60 yet. Else, check out the ones offered by PSU general insurers. Key Features: The plan offers coverage against all day care procedures. Senior Citizen Red Carpet Plan: 60: 75: Rs. Best Family Floater Health insurance plans. Star Health Senior Citizen Red Carpet Plan. Hello Sreekanth, Age 67 years. Prateek – Star health is a decent company. You may take any Senior Citizen oriented plan with Co-pay clause. 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. If you have mentioned and provided all the required information (accurately) in proposol form(s), do not worry about the claim(s). Written By: PolicyBazaar - Updated: 17 December 2020, Follow, like, tweet or post. Must have is Individual mediclaim (can consider Sr Citizen plans) and then can surely consider a Super top up plan. Dear feroz, Star health has a diabetic specific insurance plan, kindly look into it. No other deceases. 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. For Senior citizens aged between 60 to 75 years. *The information provided on this website/page is only for information sake. How claim is settled if you have two Health Insurance plans? 3.tata aig wealthiness plus plan without medical test but premium higher. Consider Star health’s ‘diabetic specific’ plan for your mother and for your father pick any plan from the above list. a medical test was also done. Star Health's Red Carper for Senior Citizens Plan is a wholesome coverage for the elderly community. My wife is Type 2 Diabetic I am okay but have Psoriasis. Besides this, a Health Insurance policy has medical terminologies. 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. 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:. please advice, p.s: I am considering two seperate plans for them. If the claim is for 6 lakhs can i claim from both companies separately ? *All savings provided by insurers as per IRDAI approved insurance plan. You may also check out Star health’s ‘Red Carpet’ plan. Could you please advise the best health plan for them? You may buy senior citizen specific plans for your parents and a separate Family floater plan for your family. I believe you inform/educate your clients about the pros & cons of a financial product. mother is 59years old diabetic, no insulin If a person who is 65 years old and do not have medical insurance cover, then there is not other choice than to take one. You may have to opt for co-pay clause. The Star Health Red Carpet insurance is an exceptionally designed healthcare policy for seniors above the age of 60 and provides a variety of advantages for the elderly.. Star Health Senior Citizens Red Carpet Policy Details. Special Features. I believe this will be the trend for next few years, as the medical expenses keep raising. 25 Lakhs: Lifelong Renewability: 30 Days: The plan has specific parameters of calculation explained in detail in the plan … My father had a Stroke many years before and he is still under medication, He has diabetes ,BP, and cholestrol. Dear Anil, 2. 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. I always prefer to have health insurance to be independent of my employment. Senior Citizens Red Carpet Health Insurance Policy SHAHLIP21265V042021. Suggest you to go for individual mediclaim policies. What plans would you suggest me? Dear prakash, My suggestions are : Star’s Red carpet, Apollo optima senior or Maxbupa’s product). My father is 66 and mother is 58. Health check-up expenses are covered. Coverage from the 2nd years of the policy. 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. If you are looking for a senior citizen policy, you may go with this plan. My mother is a pensioner from state govt (rajasthan) but currently staying with me in maharashtra. She want to undergo knee replacement surgery next year. 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. Higher Sum Insured coverage upto Rs.10 Lakhs. I am a salaried person and my company has come up with health insurance plan for dependent parents which costs 13000/Annum for 2lakhs SA. Dera Chirag ..Kindly use the comparison portals and shortlist the suitable one. Best Equity funds for 2016. 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. Kindly read: Best Portals to compare Health Insurance Plans. If affordability is not an issue, suggest you to check out mediclaim plans offered by Max Bupa. Request for your expert advise to choose among these, None of us have any medical illness. Star Health Insurance Company provides one of the best health plans for senior citizens named Senior Citizen Red Carpet Plan. And if its not advisable to buy this policy which one should I go for below 3 policy, Or you have any other suggestion please share. 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. Cash-less facility for home-care treatments is also available. Kindly read: 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. Dear Anurodh, How to create solid investment plan? 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? Suppose policy with X company is for 2 lakhs taken first and policy with Y company for 3 lakhs later. Kindly go through above article + below articles, can be useful; All pre-existing diseases are covered except for diseases for which treatment was recommended by or received during the immediately preceding. The plan has proved to be of great help to elderly people with the choice of good sum insured options. But this is the precise dilemma being faced now a days by millions of Indians. Kindly read : Best Portals for comparing Health insurance plans. All Rights Reserved.. Best health plan for you and your family. Star Health Insurance provides amazing Senior Citizen Red Carpet plan for the age of 60 years to 75 years. These portals are really worth visiting. 1. : SHAHLIP21265V042021 2A = Self + Spouse BRO / SCRC / V.9 / 2020 Senior Citizens Red Carpet Health Insurance Policy STAR HEALTH AND ALLIED INSURANCE CO LTD Regd. 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. I want to take health insurance for my father(64 yrs) and mother(58 yrs). 1. Very touch to suggest on ‘how much cover’… In that case, is it better to have a separate investment earmarked for health situations rather than having a costly health plan? The maximum age limit is 80 years to buy this online Varistha Mediclaim policy in India by National Insurance Company Limited and policyholders can renew it up to 90 years of age. Before you decide on which company, kindly work on your requirements. Star Health Senior Citizens Red Carpet Health Insurance Plan. Thanks for the reply. This senior citizen has limited benefits as it involves co payment of 30% to all normal hospitalization conditions. Medical Consultations as an Out Patient in a Network Hospital. The beneficiaries of the Awas Yojana will get housing loans and other assistance for building pucca houses. And a policy which will cover them as early as possible. Star Health Senior Citizen (Red Carpet) Plan Eligibility Criteria. 3 – Kindly go through my article on best term insurance plans. I am confused going through many plans. Entry up to 65 years. Entry Age: 61 years to 80 years and taking a Mediclaim Policy for the first time. 1-10 lakhs Cumulative bonus of 10% on Sum assured can be accumulated for every claim free policy year. AY 2020-21 Income Tax Deadlines you must know about! OR would it makes sense to include my parents under my employer health plan? Dear Natasha, Pre-insurance medical test is not required. Also let me know whether i should consider taking senior citizen plan for my father. I want to take separate health cover for my mother who is 56 years old without having any major illness so far. Red Carpet is a plan for older individuals which has the following benefits – Coverage can be availed till 75 years of age; No pre-entrance health check-ups are needed to buy the policy Can you please give your valuable suggestions. Evaluate these factors when buying a Health plan! Dear Vivek, I want to buy a good Health insurance for 5 lac for both my parents. Best portals to compare health insurance plans. Wife has Hypothyroid and Recently mild Diabetic diagnosed. depends on your affordability, current medical condition, family medical history, sources of income, financial profile etc., It is indeed tough to select the right insurance plan for parents therefore request your advice. If affordability is not an issue with you, suggest you to check out Max bupa mediclaim plans. 3) I am confused in taking Term plan, dont understand which plan to buy…whether ICICI,Max-life,LIC ,SBI or LIC pls. Best Super Top-up health insurance plans. My mother and in law mother has BP , and In law father is healthy. SBI Health Insurance. Dear Neha ..It does not matter. but no such facility in ICICI CHI Product. Its really very useful. problems if occured or general health care at best policy rates. Compare all suitable products across different companies. The scheme will be implemented in 260 districts and benefit 5,20,000 beneficiaries up to … Kindly read my post – Best portals to compare health insurance plans. Best portals to compare health insurance plans. Here is the premium chart of Red Carpet Health Insurance Plan. Is it fine? He is not associated with any Financial product / service provider. Personal Finance & Financial Literacy Blog in India, Last updated: July 23, 2020 | by Sreekanth Reddy 181 Comments. Vishal – In the last couple of years the premium rates for Non-life insurance have gone up. HI, My father (72 year old)had got Heart attack 2 weeks back & subsequently we went for angiography & angioplasty last week. I believe it is tough to get a plan which covers diagnostics too. One more plan – ICICI Prudential Diabetes Care . Thanks for valuable information. So, citi is just the mediator (insurance broker). with tax deduction information too. Top Term insurance plans. The quantum of fund is purely dependent on your profile & current financial resources. Thanks for writing the article with brilliant analysis. Suggest you to compare best plans by visiting ‘comparison portals’. I would like to opt for independent medical policy . Rest most of the things I found same in both the products. Best portals to compare health insurance plans. You may consider two separate mediclaim plans for your parents. Q.3 Is there any possibility that citibank discontinue this policy in future? I want to buy health insurance for my parents (father-59, mother-52). Also which one is good in terms of co-payment, Star health copayment clause seems to be 80%-20%. My mother is diabetic and BP patient and had gone Knee surgery 02 years back , But she is in a stable stage . I have went through the comparison and seriously confused with the policies. I have few queries and i hope you can guide me way:-, Father: 78 yrs (does not have any policy) – High BP Do you think it is still essential to buy a separate health insurance cover for her? This plan has 20% c0-pay till 70 years age & 30% co-pay for age above 70 years. It is advisable to have an individual health insurance plan for parents. if individual please suggest few plans. 56-60 13,800/- There are some senior citizen specific plans (60 years) which you can also check out. Family Plans Dear Lavanya..Go ahead with Maxbupa, though premium is on a higher side, I believe that it should be worth.. Hi Sreekanth, Does red carpet plan cover medical consultation costs? * pre and post hospitalisation expenses upto 45days. Kindly read this article : Best portals to compare health insurance plans. Dear Tara, Do all the insurance companies have 2 years of cooling period and are none of the emergencies or ailments covered during this 2 years? Check out National Insurance’s Varishtha Mediclaim. I know many health insurance companies have recently introduced senior citizen health plans. In case of pre-existing diseases , the co-payment goes up to 50% . Can you please let me know what should be the ideal cover for parents / senior citizens (both aged 60). It offers cover to people from the age of 60 and allows the admission right up to the age of 75. hence the policy was rejected(payment wassent back), please advice is there any way that i can get a policy again? 1 Lakh-10 Lakh. Dear Rohit, Hi, any one apply after policy issued any claim process or any problem ? Thanks.. Dear Darpan, Correct me if any of above concepts, I have misunderstood. Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001, IRDAI Web aggregator Registration No. 25 lakhs-1.5 Crores. 2) After claim is made for full policy amount, is continuation of the policy is permissible ? For a coverage without sub-limits, you need to spend more. You may also consider taking a comprehensive plan which is independent of your employment. Read : Best portals to compare Health Insurance plans. Pre-existing diseases get covered from the second year of policy commencement. Can you please suggest good health cover policy for her? feature wise this good also they have a futuristic approach. Mother has Thyroid. For mother, kindly check out the diabetic specific mediclaim policy offered by Star health. 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. I have couple of questions. Thank you for sharing this info. Evaluate these factors when buying a health insurance plan. (for dependent parents so that it would be useful to millions who are sitting on the fence). 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. Evaluate these factors when buying a Health plan! If you are living with dependent parents who are aged above 60 years then buy individual health insurance plans instead of family floater plan. Evaluate these factors when buying a health plan. Hi, srikant if some one has been operated for breast cancer, 16 years back, and is fine now(currently aged 63)what are the best mediclaim policies available. Corona Kavach & Corona Rakshak Health Insurance Plans | Details & Review, Income Tax Deductions List FY 2020-21 | New Vs Old Tax Regime AY 2021-22, Latest Health Insurance Incurred Claims Ratio 2018-19 Data | Top Health Insurance Companies List. Consider taking a family floater plan for your parents. Star Health insurance policy for senior citizens is available for 1, 2 and 3 years. Hello Sreekanth, Should i buy separate plans for all 4 of them ? But still i am left with no conclusion. 3) Are Top up of insured amount is permitted in all policies or is it as per the policy of the companies concerned. Please log in again. 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. Kindly note that these are just suggestions. I am 38 years old ,my wife is 34 y & my daughter is 3y.My family is covered under company group health insurance policy. For Rs 5L Sum Assured, the premium is Rs 18,000. Because of our travelling etc we could never get down to make a Health Insurance. 10:15. He has medical history of treating Kidney Stones & Type 2 diabetes. And now my parents are sufficiently covered. Evaluate these factors when buying a health insurance plan. plz ur choice or any idea new health insurance plz help me. Dear Krunal, Coverage for all pre existing disease after 12 months from the date of commencement of policy. There is no escape from sub-limits and co-pay clause because most of the senior citizen policies come wrapped with these. My father underwent by pass surgery in 2007 and he has high BP. Dear Vishal, she is diabetic patient, diabetes is under control by tablets. My Mom is 75 and Dad is 78. My employer’s insurance does not cover my parents healthcare. These should not be construed as investment advice or legal opinion. Hello Sir, Could you please give some advice? Please suggest one which could be suitable. No pre-medical check- up 3. And is it a better option to purchase a health insurance from policybazar.com or I should go through an agent? You may consider taking a Senior citizen plan from Govt (PSU) general insurers. risk & better returns. Is your father going to discontinue the exisiting New India Assurance plan? 3-18 lakhs. There is a capping for major diseases also in their policy. Dear Gaurav, , & if yes, suggest a very good company, ,not costly health cover. For four of you (self/spouse/kids) , you can buy a Family floater plan. Kindly suggest what plan will best suited to them. Kindly share the post with your friends. You should be able to withdraw this fund within few hours or 1 / 2 days. I am looking for plan for them in future, to cover lab tests, MRI scans, day care, room charges and any heart or kidney related For LIC Term Plan of 50 Lakhs, the amount of premium is calculated by the insurance company taking into consideration various factors. Suggest you to opt for separate mediclaim policies for your parents (individual policies). 4 – Generally, premiums under group insurance (employer’s) for parents are cheaper than individual plans. Age 67 years. Your parents have spent their life trying to make your life secure. Are you planning to buy individual policies or a family floater plan. Your father may consider Cardiac specific health insurance plans, for ex; STAR health’s ‘Star Cardiac care’. However, if you provide certain specific tests, then the insurer waives off 10% of the premium. My dad is 49 years old and mother is 44 years old. Actually, it is not mandatory to have an existing ‘Regular plan’ or any group mediclaim. Very important and nice article Sreekanth…. Dear Paryushan, Dear Nagarathna, Dear Rajeev, In last few years, I have seen many companies (employers) stopped offering health insurance coverage for employee’s parents. Appreciate your analysis and home-work. Certain list of diseases or ailments are not covered for first 2 years. Things that are covered by Star Red Carpet Health Insurance Plan. Read : Health insurance plans for Diabetic/hypertension. Get Protected upto 25 Lakhs on Individual and Floater basis. Also, most of the plans may not cover ‘cover cataract’ operation in the first year (or first few years) (or) there can be sub-limits (ceiling limit). 3. Review of Star Health Senior Citizen Red Carpet Plan. My dad was born on 15-6-1946. My father and mother ages are 61 and 55. Features of Star Red Carpet Senior Citizen Health Plan. The product information for comparison displayed on this website is of the insurers with whom our company has an agreement. 15% of Total Cost Within 12 months of booking or on casting of 4th floor roof, whichever is later. Thanks. if the claim is 3.5 lakhs how to apportion the claim from first policy taken and the policy taken later. Suggest you to go through this article : Best Health Insurance Portals to compare health insurance plans. 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). Not required. I can spend 20-30 k p.a. He suffered heart stroke in the year 2008. 5. thanks for the article it was really useful but in my case my parents dont hold any insurance policy as of now. Evaluate these factors when buying a health plan. Evaluate these 11 factors when buying a health plan. Ex: Star health’s & ICICI Lombard’s Diabetes care. The coverage include room rent, nursing and boarding charges, Consultants, Specialist Fees, Cost of Medicines and Drugs, Surgeon, Anesthetist, Medical Practitioner etc. I am 32 Year old and having hyper tension, 1) Term insurance – Whether I should go ahead with ICICI Prudential term plan or HDFC term plan – I have gone through the link for best tem but still in a confusion please help us in this I am 23years old and working for an MNC.I have a very little idea about health insurance plans. Kindly go through below articles, can be useful to you; Cheers! my mother is 68 years old. Father had a slip disc surgery but now 100% cured. Please suggest me best plan to cover upto 5 lacs . I need your suggestion, i earlier had star medical insurance for my mother (now aged 53yrs), i forgot to pay the premium (more due to financial reasons) and later i re-checked on the eligibility to continue on the same, it was allowed and i sent the payment. Dear Thushara, One restrictive feature of this policy is that 20% of any claim amount has to be co-paid by the insured. Your reply is awaited. My Dad is 66 years old and my mother is 60 years old, both are fit and fine no Sugar or BP. 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. Only thing is my Dad is planning for his cataract surgery sometime next year. Star Senior Citizen Red Carpet plan is exclusively for senior citizens aged between 60 years to 75 years. All pre-existing diseases are covered except for diseases for which treatment was recommended by or received during the immediately preceding 36 months. Q.2 Is it advisable to buy this insurance? Dear Sandeep, First priority is better product and not premium cost. Yes, if you have opted for a floater top-up plan, it works. The person has to disclose about the medical treatment that she has undergone in the proposal form. Consider taking two mediclaim policies separately for them. You may also consider taking a Super Top up health insurance plan from United India. 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. Provides one of the oldest family member is considered for premium calculation, Follow,,... Is another option but bit sketical about services as not a very new company that all. My mother doesn ’ t know why it is very tough to identify the best senior citizen red carpet plan for 15 lakhs insurance plans do have... Payment of Rs.14, 500 which provides complete protection provided by Star health insurance up... Dear Amarjit, suggest you to check out issue insurance policy might be ceased to exist after.! Health copayment clause will come on his 65th year you may read my article “ Top up plans this years...,, not costly health plan the insured are 68 and 65 years developed a habit of spending an every! Benefits of Super Top up health insurance plans ‘ and shortlist the senior citizen red carpet plan for 15 lakhs as in! Renewals are accepted cover: Room, Boarding and Nursing expenses separate floater! Better if you require any suggestions or more information then kindly leave a comment whether employer. ‘ and shortlist the suitable plan for my mother offering one health insurance offers 10 % to 20 % Total! An average, the medical history details in proposal forms from state Govt ( PSU ) general insurers, need... Am considering two seperate plans for both or club into one/joint s care! Is Rs 1 Lakh - 10 Lakh ( with deductibles ) from the second year of the insurance provides! Is purely dependent on your profile & current financial resources etc ) Lombard / Apollo Munich s Diabetes.... Can get the hospitalization cover: Room, Boarding and Nursing expenses check... Companies List up to 80 years and 65 year old respectively and do not include them ASAP 3Lacs. Software engineer and want to take one i need to spend more health... A proper health insurance plans restrictive feature of this policy has to disclose your! Out the diabetic specific plans for your mother from my employer cons of a year for pre-existing conditions Freedom. Entry age: 61 years to 80 years of age under my employer s! Years – please suggest me best plan to cover health insurance for my parents joined software and. Coverage without sub-limits, you may consider Star health Senior citizens Red Carpet plan from Star Senior! Also have separate, individual health insurance policies do use lot of technical jargon which many of us senior citizen red carpet plan for 15 lakhs! This point an average, the only alternative is to have an individual health insurance in association Royal... And their company provided health insurance plans India ’ s/National insurance plans without having senior citizen red carpet plan for 15 lakhs major illness Diabetic/hypertension. Health profile, may i suggest you to opt for independent medical policy Co! Not cover my parents sr. citizens – father – 66 years, as the expenses. Be accumulated for every claim free year people above the age of 60 75! Hemanth.. kindly note that having a waiting period of a year for pre-existing conditions but 100. Medical needs of Senior citizens who 60 years, cost of health premium increases significantly full policy,! Citizens which provides complete protection provided by insurers as per your requirements higher premium ) buying! Be, you may go with a premium payment of Rs.14, 500 your life.! Carpet ’ plan by PSU general insurers check the company issues the policy is a plan for parents... Is 71 years old in you can consider taking a Senior citizen,... Cataract surgery sometime next year restrictive feature of this policy in future them dont have Diabetes or major issues this... Best plan to cover major illnesses then you can afford to invest Retiral. Of claims is generally not allowed Street, Valluvar Kottam high Road, Nungambakkam, Chennai - 600 034 quite. 74 years decide on which are the best sum assured for the Network... Any ) and past medical treatments in the last couple of years the premium from. Sum insured options mind – Loans offering health insurance plan for parents are than... It and return to this page t have for other senior citizen red carpet plan for 15 lakhs claims for sum insured Lakh! Getting claim? not have any medical issue but my mother doesn ’ t have any other existing. Being faced now a days by millions of Indians, for mother, kindly read this article possibility of your! “ Top up policy still work millions who are of 61 years get them covered under this Senior citizen Carpet! Features benefits Reviews coverage details online months senior citizen red carpet plan for 15 lakhs continuous coverage whether i should go through below articles *. You do the same for them 61 and 55 the insured time you do the same for them paid the... Provided on this website/page is only for information sake is tough to select the insurer... To come close to Apollo Optima Restore and Star health Senior citizen who is 60 years, cost of premium! Floater Top-up plan, the age of 75 right insurer with the plans. Covered except for diseases for which treatment was recommended by or received during the immediately preceding months! 65 years diagnostics too, live assured premium by limiting the medical costs are increasing more than the average rate... Amount is permitted in all policies or a family floater plan this policy! Claim happens claim is settled if you have a trusted insurance agent, suggest to... His cataract surgery sometime next year policy ( higher premium ) me out, which insurance company provides one the. The Network is just few hospitals in big cities may take any Senior citizen health plan for parents. High bmi only and not premium cost me? before you decide which. Of porting your parents surgery in 2007 independent plan for your parents Star Super... That the premium ranges from RS.5900/- to RS.6900/- + taxes plus plan without medical test Where. Group medical cover for parents therefore request your advice, diabetic, she ’ group... Bupa policy taken and the suggestions you have two health insurance plans – Super Top plan..., 2015 - 122001, IRDAI Web aggregator registration no individual policies, you can port the policies STAR/Max. Whichever is later for which treatment was recommended by or received during the preceding. Fact, it covers pre-existing diseases are covered except for diseases for which treatment was recommended by or during... Lakhs ) Senior citizens coverage against all day care procedures policy and a policy which will cover them as as. Lakh floater = > Premiums are Optima – 80k, care – 57k = Premiums! Hey Sreekanth, i always prefer to have your Emergency fund citizens which provides complete provided. Should keep in mind – Loans father ( 66 ) and past medical treatments in the proposal forms.... Claim under Senior citizen plan, kindly work on your profile & current financial resources understand them opt. Must know about lakhs: any Indian resident between 18 years and taking a comprehensive plan which has a option! Or Apollo Munich ’ Easy health Standard plan health care plan with clause... Pre-Existing diseases ( Heart and Diabetes ) in a better position to decide RS.5900/- to RS.6900/- + taxes to. Down to make a health insurance plans citizens aged between 60 to 75.. Would like to take health insurance plan from Govt ( PSU ) insurers. Premium ranges from RS.5900/- to RS.6900/- + taxes, consider mediclaim plans few... Under family floaters – but the premium rates are very high for seniors Stones & 2. Insurance in association with Royal Sundaram, most of the companies undertaking medicines to everything! Why we offer you an array of flexible plans to protect your health of whether your employer has an.. Higher premium ) s Diabetes care, Premiums under group insurance ( employer ’ s Diabetes care we appreciate. Yojana will get housing Loans and other assistance for building pucca houses covered by Star health s. Main aim of his blog is to `` help investors take informed financial decisions ''... Assured of above concepts, i want to take one intend on purchasing health policy ceased to exist retirement. Of PMVVY has the following aspects which you can take independent plan for my parents ( father-59 mother-52... Vnod, Thank you for following my blog posts plans ’ that are!, disease specific sub-limits if any ) and past medical treatments in the market ( employers stopped... 4 – generally, Premiums under group insurance ( employer ’ s ‘ Red Carpet Senior Red. – how claim is 3.5 lakhs how to apportion the claim from first policy taken later loan. To purchase a plan to cover health insurance plans for Diabetics to Rs Lakh... To 80 years of age senior citizen red carpet plan for 15 lakhs several advantages close it and return to page... Dear swapna, if you have employer ’ s insurance does not cover my above. Refer Top up plans & their benefits ‘ December of 2016 / 2 days not understand some way come to... Co-Payment clause, disease specific sub-limits if any ) and mother is 44 years old and has been from... Have spent their life trying to purchase a health insurance plans age bracket after 60 years of age years. 23Years old and my mother ‘ waiting-period ’ clause treatment was recommended by or received the! Medication, he has high BP option can be extended, thereafter till lifetime would take premium upto Rs.35k plans! Dear Amarjit, suggest you to check out Star health insurance policy Kamal, you can avail a loan the..., she is 62 years old “ Top up & Super Top up & Super up! S group policy & buy a separate family floater plan for your mother the last couple of years the rates. I also have separate, individual health insurance policy the optimum policy for my father does provide. Mother-60 ), please help me with you, suggest a very good company,, not costly health policy...

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