Health Insurance for Senior Citizens Above 65 Years

As you age, your body becomes weak, and your immunity reduces, making you vulnerable to various disorders, injuries and diseases. You will require extra support and care to stay fit and healthy during these years. So, as you enter your golden years, you must protect your health and finances for better well-being. 

Hence, you require health insurance in your old age to combat financial issues during unforeseen medical emergencies. Opting for health insurance for 65 years provides you with financial assistance during such emergencies. This blog will cover the need for health insurance for 65-year-olds, things to consider when purchasing it, and more.

As individuals enter their golden years, their health may start deteriorating due to various chronic conditions and healthcare challenges. People in their mid-sixties are more susceptible to chronic diseases such as diabetes, hypertension, heart disease and arthritis, affecting them mentally and draining a lot of their finances. In addition, the rise in medical treatment costs due to inflation makes it difficult for people to afford expensive treatments for such diseases. 

Hence, selecting a comprehensive health insurance plan allows you to receive the best treatment without panicking about finances. When you are in an unforeseen medical emergency, ACKO is the ideal choice for comprehensive coverage for people above 65 years. 

Moreover, the affordable premium allows you to tackle the inflation in the medical sector and get top-quality treatments in Tier 1 hospitals. You can also avail tax deductions on the premium amount you pay for health insurance under Section 80D deduction of the Income Tax Act, 1961. 

When you or your parents are in their mid-sixties, health is not at its peak, and several healthcare issues may start occurring, affecting an individual’s body and also draining them financially. Furthermore, the rise of expenses in medical treatments due to inflation makes it difficult to get proper treatment and manage finances simultaneously. 

It is when health insurance for senior citizens becomes useful, as it offers assistance to reduce your financial burden and get the best quality medical treatment. 

In addition, you can choose the family health insurance plan which offers coverage for your family. It assures insurance claims for your family, giving you peace of mind so you can relax without buying separate insurance for each member. Furthermore, you can claim tax benefits for the premium amount under Section 80D of the Income Tax Act, 1961.

The premium for a health plan is calculated based on factors like age, location, health history, etc. To see a custom quote, you can use a health insurance premium calculator and adjust a few factors like sum insured.

If you have health insurance, it will protect you financially during medical emergencies. You can pay the premium at regular intervals or opt for lifetime renewability policies to use your insurance during medical emergencies. Moreover, when you claim your insurance, the insurance company will offer coverage for the maximum sum insured limit. 

If your medical expenses are enormous, you must go for health insurance with high coverage. It offers you coverage for expensive medical treatments, ensuring you do not pay anything from your pockets. High-coverage health insurance plans for senior citizens are more integrated and detailed than regular insurance policies, which will be handy during medical emergencies. 

Hence, if you are seeking high-coverage health insurance for 65 years, ACKO health insurance is a great choice. It offers comprehensive health insurance at affordable premiums with zero copayment charges. Furthermore, there is no room rent limit, and you can get a sum insured of more than Rs. 1 crore or Unlimited under ACKO Platinum Health Plan.

When looking for the best health insurance for 65 years, ACKO health insurance makes it to the top. It is due to its affordable premium and zero copayment charges. You can select the right insurance policy from the following offered by ACKO:

The plan offers coverage for 100% of the medical bills and charges zero copayment from the policyholders. In addition, you can take advantage of the plan’s no room rent limit during the hospitalisation period to save a lot of money. 

In this plan, you can get an unlimited sum insured with cashless treatments in more than 14,300 hospitals in India. Furthermore, the plan charges zero fees on non-medical expenses and has zero waiting periods. You can also enjoy the benefits of no room rent limit and doctor-on-call facilities in the ACKO Platinum Health Plan. 

It comprises all the features of the ACKO Platinum Health Plan and offers an extra limit when you utilise your existing insurance policy. ACKO Platinum Super Top-up Health Plan is advantageous for you since it assures extra sum assured even though you exceed the claim limit of your existing policy. Nevertheless, you do not need a base plan, and you can set deductibles according to your preference under this plan. 

You can download the ACKO application to buy new health insurance, renew existing plans and raise claims effortlessly during emergencies through this one-stop platform. 

Furthermore, the zero copayment charges of ACKO ensure you do not pay anything from your pocket during medical scenarios. You can also claim the insurance amount without deductions, as ACKO promotes zero deductions on the claimable limit. 

Purchasing health insurance for 65 years is essential, and you must opt for it as soon as possible. It gives you financial assistance during unforeseen medical emergencies and ensures you receive the best quality treatment without stressing about finances. In addition, it acts as a financial shield to help you combat the rising cost of medical treatments due to inflation. 

So, if you are searching for a suitable health insurance for senior citizens above 65 years old, ACKO is the right choice due to its comprehensive coverage and affordable premiums.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.