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Tips to Buy The Perfect Mediclaim Policy For Senior Citizens

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November 05, 2018
One of the best things to do for your aging parents is buying them a health insurance plan. With growing age, their medical issues also grow and giving them a mediclaim policy ensures that they remain tension free and can take care of their expenses.

There are a few check points you need to remember before you buy them a medical policy:

a. Age- The best plans are the ones that allow entry at any age. Some plans cover till 60, some allow at 80, but the ideal plan to take is the one that allows entry at any age. 

b. Sum insured- With age, there are more medical issues. Senior citizens need more insurance. Consider the right face value - higher the face value, higher the final coverage provided.

c. Coverage- Take an insurance policy that covers maximum illnesses. Critical illness and hereditary illnesses both must be covered. The best plan is that which allows cover with minimum exceptions.

d. Broad hospital network- Take an insurance policy that has a wide network of hospitals attached to it. In case of travelling, or emergency, you want to visit the nearest hospital to you. Ensure maximum hospitals are covered under your policy.

e. Premium- Insurance companies charge higher premium because senior citizens are more at risk. Choose wisely by comparing the various senior citizens insurance policies that different insurance companies offer at varying premium rates.

HDFC LIFE offers a variety of plans for senior citizens as per their requirement and health. Choose your plan and secure your financial future.

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Francis Rodrigues Francis Rodrigues

Francis Rodrigues has a decade long experience in the insurance sector, and as SVP, E-Commerce and Digital Marketing, HDFC Life, manages the online sales channel, as well as digital and performance marketing. He has had hands-on experience in setting up sales channels and functional teams from scratch over a career spanning 2 decades.

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Vishal Subharwal Vishal Subharwal

Vishal Subharwal heads the Strategy, Marketing, E-Commerce, Digital Business & Sustainability initiatives at HDFC Life. He is responsible for crafting and ensuring successful implementation of the overall organisation strategy.

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