Health insurance is an important requirement, irrespective of what your age is. As a senior citizen, if you do not have health insurance, you should get it right away. Fortunately, there are many ways in which seniors can enrol in a health insurance policy. If you need it for yourself, or if you need it for your parents, explore the options and find a good health cover without delay.
Health insurance options for senior citizens
Here are some ways in which you as a senior, or your parents, can get covered:
- Standalone senior health plans
Senior citizens can buy the special health insurance plans available exclusively for them. These plans are available to people over the age of 60. Both men and women can get them. The plans are easily available online and can be bought without any pre-policy screening. They offer comprehensive coverage against many ailments. The plans are slightly more expensive than the regular health insurance plan, but this is only because the risk is more. However, even with the higher premium, the deal proves to be very economic in the long run.
- Family floater health plans
This is another option available to senior citizens or young adults who have elderly parents. As a young adult, you can buy a family floater health insurance plan and get your parents enrolled in it as well. It is a good idea to look for a health insurance policy that offers lifelong renewability. This will make it easier for you to keep your elderly parents covered for the longest possible time. Also, the plan will keep you covered when you become a senior citizen yourself, so it proves to be beneficial in a wholesome manner for the entire family.
- Government health schemes
There are many government health schemes, such as the Central Government Health Scheme (CGHS) and the Ayushman Bharat Scheme, that offer extended health insurance covers to people of all ages, including retired individuals. If you are a central government employee, make sure you get enrolled under the CGHS so that you can stay covered till the last day of your life. If you are a former central government employee, then you can get this cover. Find out what your options are and get the health insurance cover you need.
Choose any one of these options and get the best and the most comprehensive health coverage. It is not difficult for seniors to get health insurance, so don’t let go of it.
To wrap it up
It is very important to get health insurance, especially when you are a senior citizen. With age, the health of a person begins to get fragile and frequent medical attention is needed. Simultaneously, the regular income also stops post-retirement. This makes health care unaffordable for many senior citizens. Keeping this in mind, you can understand just how vital a role health insurance plays. So go online, compare the health plans, weigh your needs and get the perfect policy at the perfect price.