Best Senior Citizen Individual Health Insurance Plans in India | Max Bupa
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Modern Treatments

Covered up to sum insured with sub-limit of ₹1 lakh per claim on a few robotic surgeries.

Day Care Treatments

Get coverage for all day care treatments up to the sum insured.

Pre & Post Hospitalisation

Expenses covered 60 days before hospitalisation and 180 days post-discharge.

AYUSH Treatments

Get cover for Ayurvedic, Unani, Siddha and Homeopathic treatments under AYUSH up to the sum insured

Room Category

Coverage for shared room under the Gold plan and single private room under the Platinum Plan.

Organ Donor

Avail coverage for medical expenses incurred on the organ donor’s treatment up to the sum insured.

Know what’s covered under Senior First Health Insurance Plan

 

Search for diseases covered in the Senior First Health Insurance Plan and check out all the policy features.

Hospitalisation

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IN-PATIENT CARE (HOSPITALISATION)

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Get cashless coverage for hospitalisation expenses for all insured members at network hospitals

HOSPITAL ACCOMMODATION

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Get coverage for shared room under the Gold Plan and single private room with the Platinum Plan without any room rent capping

PRE & POST HOSPITALISATION MEDICAL EXPENSES

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The policy covers expenses 60 days before hospitalisation and 180 days post discharge

DOMICILIARY HOSPITALISATION

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The policy will reimburse you for the medical treatment taken at home on account of unavailability of a hospital bed or the doctor’s advice 

ORGAN TRANSPLANT

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Medical expenses for an organ donor’s inpatient treatment for the harvesting of the organ is also covered

EMERGENCY AMBULANCE

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The policy covers the cost of ambulance. These expenses are paid once we have accepted the inpatient claim

DAY CARE TREATMENT COVERED

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All day-care treatments are covered

HEALTH CHECKUP

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With the Platinum Plan, avail annual health check-up from Day 1 of the policy

Standout Features

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REASSURE BENEFIT

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Get unlimited ReAssure sum insured (maximum amount for single claim is up to base sum insured). Available in Platinum plan only.

DIRECT CLAIM SETTLEMENT

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There are no third-party agents involved. Get your claims processed painlessly by our customer service team directly

NO CLAIM BONUS​

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​​​In case of claim free year, increase of 10% of expiring Base Sum Insured in a Policy Year; maximum up to 100% of Base Sum Insured (In case of claim, no reduction in No Claim Bonus)

Add-on Features​

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Optional Benefits:

 

COST SHARING OPTIONS

A co-pay or deductible is mandatory. You can choose a co-payment of 20%, 30%, 40% or 50%. Alternatively, you can choose a deductible amounting to 1/5th of your base sum insured

 

SAFEGUARD

Get access to additional benefits like- annual increase in coverage based on inflation rate, coverage for non-payable items and no impact on No Claim Bonus.

Exclusions

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Permanent Exclusions

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  • - Treatment during the first 30 days of the plan will not be covered, unless the treatment needed is a result of an accident. This waiting period does not apply for health check-up and renewal policies.
  • - Any pre-existing conditions and specified disease/procedures like cataract, pancreatitis, hernia, osteoarthritis, joint replacement etc. will be covered after a waiting period of 2 years. In case of enhancement of Sum Insured the exclusion shall apply afresh to the extent of Sum Insured increase.
  • - Investigation & Evaluation, OPD Treatment
  • - Unproven Treatments, Unrecognized Physician or Hospital
  • - Breach of law, Excluded Providers, Conflict & Disaster
  • - Rest Cure, rehabilitation and respite care
  • - Change-of-Gender treatments, Cosmetic or plastic Surgery, Hormone Replacement Therapy
  • - Hazardous or Adventure sports
  • - Sleep disorders, Treatment for, alcoholism, drug or substance abuse or any addictive condition
  • - Treatments received in heath hydros, nature cure clinics, spas or similar establishments
  • - Dietary supplements and substances without prescription, including but not limited to vitamins, minerals and organic substances
  • - Sterility and Infertility, Maternity Expenses
  • - Circumcision, External Congenital Anomaly, Sexually transmitted Infections & diseases (other than HIV / AIDS)
  • - Dental/oral treatment
  • - Multifocal Lens and ambulatory devices such as walkers, crutches etc.- Any treatment or medical services received outside the geographical limits of India.
  • Intentional self inflicted Injury or attempted suicide
  • Costs which are not Reasonable and Customary and treatments which are not Medically Necessary

    Refer to the policy document for further details on sub-limits, waiting period and exclusions.

Initial waiting period is 30 days

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Waiting period for pre-existing and specified conditions is 2 years 

Get the most value from Senior First

Doctors Speak

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Live well with Max Bupa

Check out what the doctors and the  experts have to say about your health and health insurance

Calculate Medical Expenses

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Painless renewals

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Assured plan renewal for life

Get up to 20% off on renewals for staying healthy

Get health check-up annually on the Platinum Plan

Get health check-up annually on the Platinum Plan

Get No Claim Bonus of 10% in a policy year, up to a maximum of 100% - on the Platinum Plan

Get No Claim Bonus of 10% in a policy year, up to a maximum of 100% - on the Platinum Plan

Hassle-free 5 minutes renewal process

Seamless renewal options.

Frequently Asked Questions

What are some of the myths about senior citizen health insurance?

How to select the best health insurance plan for people above 60?

Why do you need health insurance for senior citizens?

What are the things to keep in mind when buying a health insurance plan for senior citizens?

What is the difference between senior citizen health insurance and standard health insurance?

What is the eligibility criteria for senior citizen health insurance?

What are some of the myths about senior citizen health insurance? - +

Myth 1: My parents don’t need health insurance as they are healthy

Everyone needs health insurance, especially ageing parents. While they may be healthy now, the situation could change in a few years. Thus, having a health insurance plan for contingency is a wise move. Additionally, most health insurance plans have a waiting period. So, it best to buy a health insurance plan as early as possible to serve the waiting period and mitigate the risks.

Myth 2: There are very high waiting periods in senior citizens health insurance policies

Senior First has a waiting period of only two years for pre-existing conditions and for specific diseases/procedures such as cataract, hernia, joint replacement etc. However for other conditions, the hospitalization coverage starts after initial waiting period of 30 days. For hospitalization due to accident, the policy provides coverage from day 1.

Myth 3: My work/corporate insurance cover is enough

This is a prevalent misconception. Many youngsters feel that the mediclaim policy provided by their employer is comprehensive, but in most cases it is not. Additionally, the insurance benefit ceases if you lose your job or quit. Hence, it is prudent to have separate health insurance for yourself and your parents.

Myth 4: Insurance for senior citizen is expensive

Health insurance is a safety net to safeguard your finances and ensure the best possible care if a health emergency arises. With medical costs skyrocketing, it is highly essential to have health insurance. While the cost of health insurance for senior citizens is slightly higher, it is not expensive. With some financial planning, it can easily be taken care of, and in the long run, it will only help you save money.

Furthermore, Senior First gives you the freedom to choose co-payment or deductible options to make the premium more affordable as per your needs.

Myth 5: Senior citizens cannot get health insurance if they have a pre-existing condition

Many people refrain from buying health insurance if they have a pre-existing condition such as diabetes, hypertension, etc., as they believe that they will be denied a health cover. This is not true. For instance, Max Bupa’s Senior First health insurance plan covers pre-existing conditions up to a certain level with a waiting period of two years.

The Max Bupa Promise

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The Max Bupa Promise

30 Minute cashless claims processing

Spend less time on paperwork and more with your family

Health network beyond hospitals

A cashless network of 6200+ hospitals & 2000+ doctors

No third-party agents! Direct claim settlement

No TPA involvement in processing your claim

Paperless reimbursements

No paper, no hassle. Get online reimbursements

Your everyday health partner

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your everyday health partner-compressed

Max Bupa Health App

Track your health, manage your policy & renewals

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Document locker

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Hassle-free claims

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Hassle-free claims
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