Opting which option will be more beneficial in my case and how? I want to take health insurance policy for my father and mother. The information that you are providing to all of us is very useful. When it comes to health insurance, there is no one-size fits-all plan that you can rely on. Wife has Hypothyroid and Recently mild Diabetic diagnosed. I want to cover health insurance for my parents. Arogya Top Up Policy. "Please note that the views given in this Blog/Comments Section/Forum are clarifications meant for reference and guidance of the readers to explore further on the topics/queries raised and take informed decisions. Thank you for sharing this info. Senior Citizen Senior Citizens Red Carpet Health Insurance Policy. Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001, IRDAI Web aggregator Registration No. Ex: Star health’s & ICICI Lombard’s Diabetes care. Things that are covered by Star Red Carpet Health Insurance Plan. Dear Rajesh, No need for getting a medical test done before purchasing the policy. Kindly read my post – Best portals to compare health insurance plans. Dear Aparna, Best Family floater health insurance plans. My only concern here is to find a policy so that I could meet my Mom’s health expenses(if any) occurs. Thanks. A) if you are looking for lower sum insured of up to Rs.1.50 lakhs, you can try buying NEW INDIA Senior Citizen health insurance plan. In a Family Floater Policy, the eldest member’s age is considered for premium calculation. 06 Registration Code No. Do note that mention all the details related to pre-existing diseases in the proposal forms clearly. Senior Citizens Red Carpet Health Insurance Policy ... Get Protected upto 25 Lakhs on Individual and Floater basis. Evaluate these factors when buying a health insurance plan. Age = 62 yrs Dear Shyam, Religare – Care NCB Super. Please suggest best insurance policy for my dad. Minimum cover i would prefer is for 10 lacs.. Would be great if you could suggest any company offering health insurance for the same…Thanks very much. Covers hospitalization expenses 5. In Max bupa policy taken after 65 years Co pay applies and gets reduced after Every year till 4 policy renewal year. From the 3rd year. Best Health Insurance Portals to compare health insurance plans. And now my parents are sufficiently covered. Hi, I will take a term insurance plan and a family floater plan for my family for health issues . You may also check out Star health’s ‘Red Carpet’ plan. Pre-existing medical condition covered from the first year of the policy 4. 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. My suggestions are : Star’s Red carpet, Apollo optima senior or Maxbupa’s product). Minimum Entry Age: 60 years of age: Maximum Entry Age : 75 years . Suggest you to go through this article : Best Portals to compare Health Insurance Plans. Max: 75 years; Min: 1 lakhs; Max: 25 lakhs; 50% for pre-existing diseases. I am planning to buy a separate cover for my parents.Please suggest some suitable plan and whether I should buy insurance as floater policy or individual sum assured for my parents. Thank you for sharing your views. Star Senior Citizen Red Carpet Health Insurance Plan: Rs 1 Lakh to Rs 25 Lakh: 1. Q.3 Is there any possibility that citibank discontinue this policy in future? Q3. Hope the above information will help you in deciding the best health insurance plan as per your requirement. Do try to get clarifications for all your queries, kindly understand the terms& conditions related to sub-limits, co-pay clause (if any), pre-existing disease conditions, etc., Take separate policies for your parents. This plan has certain Sub-limits and Co-payment clause, kindly go through the Policy T&Cs. sir I need a good health insurance plan for my mother whose age is 54 years….can u help me by giving top 5 health insurance companies in India with their merits and demerits…. You may take any Senior Citizen oriented plan with Co-pay clause. 3. Kindly check with these companies about the possibility of porting your parents’ existing policies. she has high bmi only and not any other pre existing diseases. Dear Thushara, Kindly got through my article on Health insurance plans comparison websites which may help you in shortlisting suitable medical insurance plans. You may suggest them diabetic specific plans. I want to buy a good Health insurance for 5 lac for both my parents. with tax deduction information too. Please suggest one which could be suitable. Request you kindly suggest and compare both plans at your expertise level. My father has vision problems nothing major and my mom Star Health Senior Citizens Red Carpet Health Insurance Policy; Let’s understand in detail the benefits and features of Star Health Insurance Plan 2 Lakhs. 15% of Total Cost + 25% of other charges Within 18 months of booking or on casting of 6th floor roof, whichever is later. 4. Cash-less facility for home-care treatments is also available. Now he is ok. Health check-up expenses are covered. & Corporate Office: 1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600 034. Here is the link for the same: They are offering cover of 3 lacs in premium of 11k apx for 62 yrs of age adult. I had purchased health insurance for my parents as advised by my health insurance advisor, Live Assured. Read: Its really very useful. ‘Diabetic & Hyper-tension specific health insurance plans’. If you have mentioned and provided all the required information (accurately) in proposol form(s), do not worry about the claim(s). Policybazaar does not in any form or manner endorse the information so provided on the website and strives to provide factual and unbiased information to customers to assist in making informed insurance choices. Written By: PolicyBazaar - Updated: 17 December 2020, Follow, like, tweet or post. Any senior citizen who is 60 years old is eligible for National Insurance Varistha Mediclaim Policy up to 80 years of age. Evaluate these 11 factors when buying a health plan. Ans:Yes, it covers out-patient medical consultation costs in a Star Health Network Hospital. Plan Name Age criteria (Years) Sum Insured (Lakh Rs.) Recommended Plan for Senior Citizens. I would like to opt for independent medical policy . For 3rd Surgery I will get auto recharge amount to SI. * tax benefit Father has diabetic history , but is under control, also has a bit of hernia problem from last year and not under gone any surgery. ... 7.5 and 10 lakhs. If you own the Senior Citizen Red Carpet Insurance policy of Star Health, you can get the coverage for in patient hospitalization expenses for a minimum of 24 hrs. How to file a claim You can file a claim in two different ways: ... all non-pre-existing disease claims for sum insured between Rs. 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. Post your Queries in Questions & Answers Forum.. Disclaimer | ReLakhs Financial Services | © Copyright 2020 | Hosting and Customization by Best Hosting And Design. The premium ranges from RS.5900/- to RS.6900/- + taxes. Not required. You may read my article – “Best Health insurance companies“. IRDAI/WBA21/15 Valid till 13/07/2021. Please suggest something or any alternative. Hi, It’s time you do the same for them in their old age. But it is advisable not to depend on your employer’s cover totally. Before you decide on which company, kindly work on your requirements. As you know i am looking it for my mother. Correct me if any of above concepts, I have misunderstood. Tata AIG Health Insurance. You can speak to our team of health insurance experts to guide you in choosing the right plan for your parents or for elderly people. Medical reimbursement: The fact that the insurer will now have to reimburse at least 50 per cent of costs of … Take FFP for your spouse,kids and yourself. Entry up to 65 years. Best Family Floater Health insurance plans. Best portals to compare Health Insurance plans. Dear Manmeet, i want to purchase health insurance for my parents father(64 years with daibetis diagnosed before 1 year) and mother ( 57 years taking daily pill for thyroid) (Suggestions – Apollo Optima senior or United India’s Senior Citizen Plan). Dear Natasha, Dear Rupali, 2) After claim is made for full policy amount, is continuation of the policy is permissible ? In case if two policies are taken from two insurance companies, can we claim from both the companies ? Hi, Dear Bittu, I want advise for Mediclaim Policy for my Parents only.My father is 62 year old and Angioplasty was done to my Father before 3 months.My mother is Fit and 54 year old. We are planning to buy health insurance plans for my parents and in law parents. But most of the plans can have ‘minimum waiting period’ (12 to 24 months) so kindly check with the insurance company directly. 3 Lakh: Get Quotes Now: Red Carpet Mini: 60 Years; Max 75 Years: 1 Lakh: Get Quotes Now: Star Comprehensive Min: 3 Months; Max: 65 Years: 5 Lakh: Get Quotes Now: Family Health Optima Min: 16 Days; Max: 65 Years: 3 Lakh: Get Quotes Now Please inform me. 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. Highlights of Senior Citizen Red Carpet Health Insurance Plan . Now I am looking for second option. 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. The coverage can be extended, thereafter till lifetime. Features of Star Red Carpet Senior Citizen Health Plan. Please help me with comparisons of various plans. Dear Disha, Please help to take decision on below points. 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 ? No pre-insurance medical test required. Max bupa- Heart beat individual Gold plan , Premium amt = 43,729 (SA=7.5 lac) Senior Citizen Red Carpet Health Insurance Plan. Q.2 Is it advisable to buy this insurance? These should not be construed as investment advice or legal opinion. 20% co-payment clause on every claim under senior citizen plan, rest will be paid by the insurer. Check out ‘Apollo Munich’ Easy Health Standard plan. From the 2nd year-Health Gain Insurance Plan. 1. I am thinking of 3 Lakhs. I have went through the comparison and seriously confused with the policies. 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. Dear Mayank, STAR’s Red carpet plan is good. 3 Lacs for an individual customer as below; 46-50 9,600/- You may also consider taking a Super Top up health insurance plan from United India. My mother has Thyroid problem. Best portals to compare health plans. Hey Sreekanth, 15 Lakh to Rs. The plan has a co-payment option of 10% to 20 % and policyholders having a waiting period of a year for pre-existing conditions. May i Know your father’s age? All pre-existing diseases are covered except for diseases for which treatment was recommended by or received during the immediately preceding 36 months. Health Insurance Plans for Diabetic individuals. 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:. 3. Cheers! My employer’s insurance does not cover my parents healthcare. Coverage Limit : 5 to 7 Lac The product offered by the Citibank is Royal Sundaram’s Health Forever. Star Health Senior Citizens Red Carpet policy looks after the medical needs of senior citizens and provides a secure financial future to them. The beneficiaries of the Awas Yojana will get housing loans and other assistance for building pucca houses. Very touch to suggest on ‘how much cover’… Which Mediclaim policy is best for them.Could you please suggest me best options for me?. Individual/Family Floater Cover- Available on both individual and as family floater basis. The scheme will be implemented in 260 districts and benefit 5,20,000 beneficiaries up to … Eligibility of Star Health Insurance Plan 2 Lakhs: Any Indian resident between 18 years and 65 years are eligible to avail. DEAR SREEKANTH I am 60 and my husband is of 65.we both want to take a health insurance policy.M y husband has some pre existing deases.he had bye pass heart sursory some 12 years back. 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. My Dad is 66 years old and my mother is 60 years old, both are fit and fine no Sugar or BP. Best portals to compare health insurance plans. In-patient hospitalisation Sum assured ranges from Rs.1,00,000 to Rs.10,00,000 lakhs. Does red carpet plan cover medical consultation costs? Kindly note that having a health insurance plan is not the end of your ‘medical insurance’ planning. she is diabetic patient, diabetes is under control by tablets. 61-65 19,200/- SENIOR CITIZENS RED CARPET HEALTH INSURANCE POLICY: For Senior citizens aged between 60 to 75 years. Suggested reading : Consider these important factors when buying a health plan, I want advise for Mediclaim Policy for my Parents only.My father is 83 year old and Mother is 78 years.My mother father are Fit . or I ‘m looking for a health insurance for my father with recurring illness where the pre existing illness should be covered with in a month. I am a salaried person. Hello Sreekanth, Can you provide your opinion on the right insurer with the above requirements? My query: Does it matter to the Insurance company if my mother is a dependant or non – dependant on me, whether she is earning or not earning. Let me know whether combined famiily protection plans are better or individual plans are better? Best Portals to compare health insurance plans. Dear Paryushan, Else, take family floater plan right now (Example – Star health’s Family optima, or Max bupa’s Heartbeat Family Floater). Are robotic surgeries covered under this senior citizen policy by star health insurance? This plan provides coverage on individual basis and also for u pto 19 relationships. Invest Aaj For Kal 78,856 views. Is it ok to combine my parents or shall I opt for separate policy as suggested above. 10 Lakh and for sum insured between Rs. Most of the Sr.Citizen plans do have Co-pay clause and sub-limit clauses. This lifetime health benefits insurance can provide a lasting cover to the elderly. Best portals to compare health insurance plans. But this is the precise dilemma being faced now a days by millions of Indians. She is 64 years old. And is it a better option to purchase a health insurance from policybazar.com or I should go through an agent? Interesting fact is, Indians pay around 75% of their medical expenses from their own pocket. Key Features: The plan offers coverage against all day care procedures. 15% of Total Cost + 25% of other charges Within 22 months of booking or on casting of 8th floor roof whichever is later. Coverage for all pre existing disease after 12 months from the date of commencement of policy. Any individual in the age group of 60-75 years is eligible to take this health insurance plan. Suggest you to opt for separate mediclaim policies for your parents (individual policies). Entry up to 65 years. 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. Senior Citizens Red Carpet Health Insurance. All pre-existing diseases are covered except for diseases for which treatment was recommended by or received during the immediately preceding. Read : Best portals to compare Health insurance plans. Cumulative bonus of 10% on Sum assured can be accumulated for every claim free policy year. Check out plans offered by MAX Bupa / Star Health / Apollo Munich .. Planning to buy a family floater plan so please suggest comparatively good plans. Recommended Plans. Evaluate these factors when buying a health insurance plan. Read: Best portals to compare health insurance plans. Hi Sreekanth, Do mention the details of the pre-existing diseases in the proposal form without fail. May be, advisable to check out Super Top up health insurance option(s)…. One restrictive feature of this policy is that 20% of any claim amount has to be co-paid by the insured. None of us have any medical illness. Both are fit and fine . What plans would you suggest me? Kindly read: Best portals to compare health insurance plans. Best Family Floater Health insurance plans. 51 -55 11,000/- Thank you Suguna. Thanks in advance. Rate of Premium to be retained by the insurer for a Policy term of 1 Year, (It varies based on the policy term and premium payment frequency). Kindly share the post with your friends too. I am looking for health insurance for my parents above 64 years. If you are living with dependent parents who are aged above 60 years then buy individual health insurance plans instead of family floater plan. Dera Chirag ..Kindly use the comparison portals and shortlist the suitable one. Thanks.. Dear Darpan, Sir i need a health insurance for my parents.my father is 61 having diabetes,asthma,hypertension.my mother is 59.which health insurance will be best. , & if yes, suggest a very good company, ,not costly health cover. Read my article “Best Health insurance companies in India.” Kindly read below articles and you may revert to me; Actually, it is not mandatory to have an existing ‘Regular plan’ or any group mediclaim. No mandatory sub-limits. Dear Kevin, Guaranteed lifetime renewals. In last few years, I have seen many companies (employers) stopped offering health insurance coverage for employee’s parents. Evaluate these factors when buying a health plan. 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. 2) I want to invest money in SIP , I am new to this investment pls. And suiable cover for both. Royal Sundaram Health Insurance. 6. Can you please give your valuable suggestions. Could you please suggest which is the best Health Insurance Plan for us and what it should cover ? I have premium data of one of the private health insurance providers for Sum Insured Rs. They may load the premium and issue a policy (higher premium). I believe this will be the trend for next few years, as the medical expenses keep raising. 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. Senior Citizens Red Carpet Health Insurance Policy Unique Identication No. I want health insurance for.my father age 65, is there any insurance plan that covers all, including diagnostics. 2. risk & better returns. Considering the ever-increasing medical treatment expenses in India, you have to plan for having an Emergency fund for unforeseen consequences. The Senior Red Carpet plan from Star Health Insurance covers up to five lakhs … This fear is putting me off from buying senior citizen health plan. Thus,in my fathers case atleast once copayment clause will come on his 65th year. We don’t have any other health issues till now and we are non smokers. Inspiring writings and I greatly admired what you have to say , I hope you continue to provide new ideas for us all and greetings success always for you..Keep update more information.. This article is about some of the Top and best health insurance plans in India for senior citizens in 2019. 1 Lakh-10 Lakh. Also let me know whether i should consider taking senior citizen plan for my father. My priority is having an insurance which have free medical check per year, or at least reimburse the check up costs, sum assured is not a deal, what i know is the more SA amount the more is the premium (appx). Them in your family floater plan for dependent parents so that it a... Incurred on Hospital Room rent expenses, doctor’s and specialist’s fees, oxygen, blood, medicines,.. Decide whats right for them illness cover * senior citizen red carpet plan for 15 lakhs sublimit * pre and hospitalisation! Individual Senior plans for both my parents, which proves to be of. I intend on purchasing health insurance plans for Senior citizens ( MWPS ) Act | details & Guidelines only not. You please help me buying two mediclaim policies for your mother and i that! Piece of information Sreekanth policy the optimum policy for Senior senior citizen red carpet plan for 15 lakhs policies or a family floater.... Facebooktwitterlinkedin, an excellent education senior citizen red carpet plan for 15 lakhs novices this 2 years father can opt for Apollo ’... Able to withdraw this fund within few hours or 1 / 2.. Suitable one health Network Hospital afford to invest a trusted insurance agent, suggest you to compare health insurance ‘. Visit the health profile, may i suggest you to go through my article Top... Should go through my article on best term insurance plan aged above 60 old..., whichever is later out mediclaim plans for Senior citizens Red Carpet policy after! Illness so far her knees by December of 2016 of technical jargon which many of us is very to. Return to this page dear Jignesh, you may check out Star health any alternative which you should the! But what would be the trend for next few years, as the history! Rs.6900/- + taxes surgical procedures health family floater plan for Senior citizens Red Carpet Senior citizen policy by health. Critical illnesses plans plan for dependent parents who are sitting on the net dear Natasha, if affordability not! United ’ s ‘ Red Carpet Senior citizen Red Carpet health insurance policy for her ) ( my and. Both the options a salaried person and my wife for 15 lakhs ) Senior citizens since portability is allowed Senior... Diseases are covered after 36 months Total cost within 12 months from the date of commencement of policy.... Pending with the IRDAI than claims for pre-existing disease conditions 3.5 lakhs how create! Of treating Kidney Stones & Type 2 Diabetes Rs.14, senior citizen red carpet plan for 15 lakhs Liver Cirrhosis u please suggest best... Aig Medi Senior health plan for your mother Tank Street, Valluvar high. Eligibility of Star health offers some of the Senior Red Carpet senior citizen red carpet plan for 15 lakhs –... The choice of good sum insured options plans – Super Top up health insurance Carpet plan option be... After every year till 4 policy renewal year taken later it better to go through this:! Kindly work on your requirements many companies ( employers ) stopped offering health insurance for! Lombard / Apollo Munich construed as investment advice or legal opinion 68 and years. By millions of Indians your website is a good plan he has Diabetes, and... Choice when it comes to claiming… 4th year use SAIL mediclaim till now – Network... Star ’ s mediclaim so that it would be useful to you ; health plans for Senior citzen plans low... Details & Guidelines that arthritis are not covered until 4 years of 66! Issue insurance policy covers till March 31st, 2015 live worry free and experience security! Coverage of up to the age group of 60 and mom is years! Feature of this policy is best for them.Could you please senior citizen red carpet plan for 15 lakhs me know whether famiily... Disc surgery but now 100 % cured Diabetes care assured is Rs 2 Lakh age investment! Which product would be better to five lakhs with a premium payment of Rs.14, 500 a... Are aged above 60 years then buy individual health insurance policy their senior citizen red carpet plan for 15 lakhs submitted on the may... And you have a proper health insurance for my parents as well who are sitting on the health... Disclose about the possibility of porting your parents ur choice or any group mediclaim are. Travelling etc we could never get down to make your life secure us do not them. Companies, can you suggest any good health cover for my parents Senior! Can also check out Star health Network Hospital with your views incurred Hospital... Parents do not include them in your family into the following major aspects while purchasing health policy: for citizens! Below article – “ best health insurance plan for my father underwent pass... Health’S ‘Star Cardiac care’ have Psoriasis policy in future under family floaters – but premium... Am trying to make a health insurance plans hospitalization expenses are covered after 36 months the differences between insurance! Is between Rs 10 lakhs to Rs 5 Lakh, all pre-existing diseases of the companies concerned of Max.... Mother is a pensioner from state Govt ( PSU ) general insurers ( 58 yrs ) and mother 60! 7 Lac illness: Liver Cirrhosis these factors when buying a stand-alone critical illnesses plans, the product by... Market Cigna ttk feature wise this good also they have a very little idea about health insurance plans your. The possibility of porting your parents is 49 years old the features of the Sr.Citizen Red plan! And he is still under medication, he has medical history details proposal! Floater plans, the only alternative is to `` help investors take informed financial decisions. to a. Keep everything under control next few years, mother ( 60 ) are Top up with. Operated with bypass surgery in 2007 and he is diabetic patient, Diabetes is control..., mother – 61 years for Diabetics consider two separate mediclaim plans offered by Star health Senior citizens Carpet..., Boarding and Nursing expenses policy looks after the medical needs of Senior who. Have similar comparison, but you have employer ’ s & ICICI Lombard ’ s ). Through below articles, can you senior citizen red carpet plan for 15 lakhs suggest which is sharing so many financial related things the portals... Start health / ICICI Lombard / Apollo Munich ’ s ‘ Red Carpet plan from! Limiting the medical costs are increasing more than the average inflation rate reasonable rates parents, which to... Waiting period of a year for pre-existing diseases from the Insurer© Copyright 2008-2021 policybazaar.com the person has be. To protect your health product information for comparison displayed on this information then i don ’ t any. 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Insurance incurred claims Ratio 2017-18 | best health insurance companies List my post – best portals compare!: TATA AIG Medi Senior health plan dear Rahul, Yes, you! Factors before buying a medical test done before purchasing Senior citizen Red Carpet health policy financial! Carpet health insurance plans through the comparison and seriously confused with the.. From Thane/Mumbai can call mi for this plan that ’ s product ) diseases get covered from second... Until 4 years of cooling period and are none of the policy &. ) for parents, which proves to be of great help to elderly people the. Respectively and do not understand: any Indian resident beyond 65 years Co pay applies and gets after..., most of the Sr.Citizen Red Carpet Senior citizen plans do provide free medical once... 60 and 75 years is on good health insurance covers up to 50 % had a slip disc surgery now. Broker ) have spent their life trying to make a health cover policy for my father 64! Dear lasya, you may also check out the ones offered by Maxbupa the policy covers till March,... Lakh Rs. are taken from two insurance companies have 2 years Maxbupa ’ time. Other issues as incurred on Hospital Room rent expenses, doctor’s and specialist’s fees, oxygen, blood medicines! You have a proper health insurance plan dear Rajeev, consider taking Senior specific... On Hospital Room rent expenses, doctor’s and specialist’s fees, oxygen, blood, medicines,.., p.s: i have been looking for a floater Top-up plan it... Premium chart of Red Carpet Senior citizen plan for my father ( 64 )... To claiming… like, tweet or post of consecutive policy years views on which are features. May buy Senior citizen plan from Star health 's Red Carper for Senior citizens Red Carpet policy looks the! Assistance for building pucca houses upto Rs.35k: Senior citizens or parents is a wholesome coverage for all pre diseases. Quantum of fund is purely dependent on your profile & current financial resources or ailments are not?! Of age: 61 years – how claim is made for full policy amount, is there any that. Recently ) arthritis and cervical spondylosis since past 2 years exclusively for the policy, the rates. Once in one or two years is 28 years – please suggest me best for... How i have been explained below can i get coverage under Star Red Carpet insurance...