Senior Citizen Health Insurance

Critical illness cover

This covers the expenses associated with the treatment of critical illnesses such as cancer, heart attack, and kidney failure.

Personal accident cover

This covers expenses related to accidental injuries, disability, or death caused by an accident.

Hospital cash benefit

This provides a daily cash benefit for hospitalization to cover additional expenses such as transportation and food.

Other Benefits

Benefits such as daily hospital cash, convalescence benefit can also be provided as add-ons.

Pre-existing diseases

Most policies have a waiting period during which pre-existing medical conditions are not covered. This varies depending on the insurance company and policy.

Cosmetic treatments

Cosmetic procedures such as plastic surgery, hair transplant, and dental procedures are usually not covered unless they are medically necessary.

Alternative treatments

Treatments such as Ayurveda, Unani, and Homeopathy are not covered unless specified in the policy.

Non-medical expenses

Expenses that are not directly related to medical treatment, such as transportation costs, food, and accommodation, are usually not covered.

Self-inflicted injuries

Injuries that are self-inflicted, such as suicide attempts or injuries resulting from drug or alcohol abuse, are usually not covered.

Coverage for people of more than 60 years (in a few cases it can be 65 years)

Offer comprehensive coverage for medical expenses incurred due to illness, injury, or hospitalization, including pre-existing conditions.

Senior Citizen Health Insurance policies generally offer a higher sum insured than regular health insurance policies

Premiums for Senior Citizen Health Insurance policies tend to be higher than regular policies due to the increased risk associated with the age of the insured

Most Senior Citizen Health Insurance policies come with a waiting period before coverage kicks in, typically around 1-3 years

Premiums paid towards Senior Citizen Health Insurance policies are eligible for tax benefits under Section 80D of the Income Tax Act

Additional benefits such as cashless hospitalization, ambulance cover, and coverage for alternative treatments like Ayurveda and Homeopathy.

1. Visit the PolicyLeader website

Go to the PolicyLeader website (www.policyleader.co.in) and select "Individual Health Insurance" from the list of insurance products.

2. Provide personal details

Fill in your personal details such as name, age, and contact information. You may also be required to provide details about your medical history.

3. Choose a policy

PolicyLeader offers a range of individual health insurance policies from various insurance companies. Review the policy details, coverage, and premium amounts to choose a policy that best meets your needs.

4. Compare policies

Use the comparison tool to compare policies from different insurance companies based on factors such as premium, coverage, and exclusions.

5. Customize your policy

You can customize your policy by adding or removing riders (add-on covers) to suit your specific needs.

6. Pay the premium

Once you have chosen a policy, pay the premium online using a debit card, credit card, or net banking.

7. Receive the policy documents

After the payment is confirmed, the policy documents will be emailed to you. The policy documents will contain all the details of your policy, including the coverage, exclusions, and terms and conditions.