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Top 5 Health Insurance Plans for Senior Citizens on the basis of Coverage
| S.No. | Plan Name | Entry Age (years) | Renewal Allowed | Max. Sum Insured (Rs. lakh) | Co-Pay |
| 1. | Max Bupa's Heart Beat |
till age 80 | Life Long | Platinum Policy - Sum Insured upto 50 lacs | If any person is 65 years or above on the date of commencement of the plan, Max Bupa will pay 80% of reasonable and customary charges |
| 2. | Bajaj Allianz Health Guard |
18-65 | 80 | => Sum insured from Rs. 1lakh to Rs.10 lakhs can be opted from 3 months to 55 yrs. => Sum insured from Rs 1 lakh to Rs 5 lakhs can be opted from 56 yrs to 65 yrs. |
=> 10% co-payment of the admissible claim to be paid by the member,if treatment is taken in a hospital other than a network hospital. => 20% Co-payment applicable for any insured person aged 56yrs and above. |
| 3. | Oriental Insurance's Hope |
No upper limit | 80 | 5 | 20% of claim amount |
| 4. | Star Health's Senior Citizen Red Carpet |
60-69 | Life Long | 2 | 50% for insured who did not go for medical tests before taking policy |
| 5. | National Insurance's Varistha Mediclaim |
60-80 |
90 |
1 | 10% |
*Data Source - Company websites.
Top 5 Health Insurance Plans for Senior Citizens on the basis of Premium
| S.No. | Plan Name | Premium (SI 1 Lacs, 60 Years) | Premium (SI 5 Lacs, 60 Years) |
| 1. | National Insurance's Varistha Mediclaim | 4180 | N.A. |
| 2. | Oriental Insurance's Hope | 4500 | 19700 |
| 3. | Star Health's Senior Citizen Red Carpet | 4908 | 19854 |
| 4. | Bajaj Allianz Health Guard | 5130 | 17879 |
| 5. | Max Bupa's Heart Beat | 13946 # | 27333 |
# Only option for SI 2,00,000 available.
Top 4 Health Insurance Plans for Senior Citizens on the basis of Claim Settlement Ratio
| S.No. | Insurance Company | FY 2009-10* |
| 1. | Oriental Insurance | 88% |
| 2. | Bajaj Allianz |
73% |
| 3. | Star Health |
63% |
| 4. | Max Bupa | 54% |
*Data Source - IRDA. Claim settlement data for quarter ended Dec 31, 2010.
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