What is Senior Citizen Health Insurance in Health Insurance? - Ditto

Health Insurance Glossary

Health insurance plans that cater to senior citizens aged 60 years and above are senior citizen health insurance. It is developed particularly for senior citizens to address the health related problems that are commonly experienced during old age. These plans are customised to provide comprehensive coverage as per their health requirements.

Although senior citizen health insurance policies have higher premiums and offer a wide range of benefits such as coverage for pre-existing conditions, pre and post-hospitalization expenses (including medication charges), minimal or no room rent restrictions, AYUSH treatment coverage, home care benefits, no-claim bonuses, assured tax benefits, and free annual health checkups.

It is important for policyholders to carefully review the policy documents to understand the coverage and exclusions before making a purchase.

For more details check out Senior Citizen Health Insurance article

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A

Accident Accumulation Period Acute Care Add-on Covers Age Limit Agent Ambulance Cover Annual Renewal Date Any One Illness Automatic Restoration AYUSH Treatment

B

Beneficiary Benefit Blacklisted Hospitals Broker

C

Cancer Insurance Cashless Claims/Treatment Cashless Facility/Hospitalization Certificate of Insurance Claim Claim Settlement Claim Settlement Ratio Co-insurance Co-Pay or Copayment Comorbidities/Pre-Existing Diseases Complimentary Health Check-ups Convalescence Benefit Critical Illness Cumulative/No-Claim Bonus

D

Daily Hospital Cash Day Care Treatment Deductible Dependents Domiciliary Hospitalization

E

Eligibility Emergency Care Exclusions

F

Family Floater Policy First Diagnosis Free Look Period

G

Grace Period Group Health Insurance

H

Health Insurance Tax Benefits Hospitalization

I

Illness Individual Health Insurance Inpatient Care Insurer IRDAI

L

Lapse Long-Term Care Policy

M

Maternity Expenses

N

Network Provider/Hospital No Claim Bonus (NCB)Nominee Non-Network Provider/Hospital

O

Out-Patient Department (OPD)/Treatment

P

Personal Accident Cover Policy Coverage Policy Document Policy Period Portability Post Hospitalization Expenses Pre Existing Disease (PED)Pre Hospitalization Expenses Premium Primary Insured Private Room Psychiatric Cover

R

Refill Sum Insured Reimbursement Renewal Restoration Benefit Rider Room Rent Limit

S

Senior Citizen Health Insurance

Specific Illness Waiting Period Sub-Limit Sum Insured

T

Terminal Illness Third-Party Administrator (TPA)Top-up Plans

W

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