Mediclaim Policy for Senior Citizens: 3 Reasons to Convince Your Elders They Need One

Today, we all know how hard it is to fight against Covid 19 as this global pandemic has taken the lives of many people across the country, irrespective of age and medical history. The case gets even more severe when this is hitting the age group of senior citizens. As this old age brings multiple illnesses, it is very expensive to treat and get the right treatment.

 

Amidst the rising cases of Covid-19, numerous insurers provide different policies of health insurance for senior citizens. One such health insurance policy specifically meant for senior citizens is the mediclaim policy for senior citizens. This health policy helps to overcome the expenses of old age illnesses for policyholders above 60 years of age.

 

Purchasing of mediclaim policy for senior citizens secures the family financially and offers a series of benefits for the policyholder such as cashless hospitalization, cover for pre-existing conditions, daycare expenses, no medical test required, higher sum insured, etc. It is a clever move to have a mediclaim policy for our elderly ones and here’s how you can convince them to have one:

 

1. State the features of mediclaim policy

• A mediclaim policy is taken for individuals who are above 60 years of age. As most of this health policy of senior citizens doesn’t require pre-medical screening, it is a great advantage to those who are purchasing the policy.
• A senior citizen health insurance policy offers a free-look period of 15 days to review the policy terms.
• The policyholders of this mediclaim for a senior citizen can avail to a free annual check-up that includes major body check-ups and tests.
• This mediclaim policy for senior citizens will cover the pre-existing conditions of the policyholder.

 

2. State the benefits of having a mediclaim policy for senior citizens at a younger age –

• The benefit of buying a mediclaim policy at an early age offers a smooth, convenient, hassle-free claim settlement process.
• This policy provides you with cashless hospitalization. That is, if you are admitted to the hospital for more than 24 hours due to some illness, the expenses for the treatment will be cashless.
• Cashless settlement of hospitalization charges includes expenses like doctor’s fee, room charges, medical bill, in-patient hospital expenses, etc.
• Moreover, most of the senior citizen health insurance policy provides you with the lifelong renewal option. This senior citizen health insurance covers not only the emergency ambulance expenses but also the pre and post-hospitalization expenses.

 

Need for Purchasing a Mediclaim for Senior Citizens

 

Purchasing a mediclaim policy for senior citizens should be done carefully as you would want them to give maximum coverage possible. Following are some of the crucial reasons why mediclaim policy for your elderly ones is the need of the hour:

 

1. Prone to several diseases – Older the age, the higher will be the chances of getting prone to several diseases. It might be from diabetes to arthritis and heart diseases.

 

1. Rising medical bills – The rapid technological advancement in the medical industry has resulted in a steady increase in medical treatment and corresponding bills as well. With a proper health insurance plan, you can save lots of hard-earned money during the retirement days and live a relaxed life.

 

1. Specialized treatment – When you have a medical emergency, you tend to visit the nearest hospital for treatment that may or may not have adequate treatment facilities. But with a suitable health insurance plan for senior citizens, you get a list of network hospitals that offer specialized services in terms of treatment and care. You can select the one from the list that is located in your city for further treatments, rather than visiting the same old hospital with zero specialized treatment.

Final words

 

Don’t let age stop you from living your life to the fullest. Get a comprehensive plan from Care for Senior Citizens. In addition, you can also avail for tax exemptions when you buy a mediclaim for senior citizen as the premium paid towards the policy is tax-deductible under the Income Tax Act 1961.

 

Sources: https://mygov.in/covid-19