Life is full of insecurities. There is no prediction in life. So
in that way, it is wiser to think about the old ones in our home. They are the ones who did
everything for us and it will be really good if we can do something for them in
return. Just thinking about their secure
life in future, it will be
really good if the best health insurance policy for senior citizens is given as
a gift to them. This way we can make them feel cared and loved all the time.
But there are many factors to look into while getting the best health insurance policy for senior citizens; some of them are as follows-
1. Entry Age- The lower limit of entry
age should be of no bar or as much as 80. Health insurance companies, who’s
lower limit is less is likely to create problem. Thus, while getting health
insurance policies for parents, the entry age limit should be checked properly
to avoid inconveniences.
2. Insured Sum- While age advances, the
health risks increases at the same pace. Thus to avoid any unpredictable costs
of hospitalization, it is important to insure the senior citizens with the best
health policy. Also, the insured sum should be optimised as higher the face
value, higher the final coverage provided.
3. Coverage of the health policy- The
coverage of the health policy should be checked, i.e. if it covers the critical
illnesses that old people get prone to as age advances. Also, there should be a check for
coverage of hereditary ailments like high blood pressure, diabetes and many
more.
4. Pre-Existing Condition-
There should be a check for coverage of pre-existing medical condition. The
risk of illness and subsequent hospitalization due to a pre-existing medical
condition rises with age and is hence higher for senior citizens.
5. Add-on benefits- Being
a specialized plan, you must expect some additional features in senior citizen
health policy. Make sure about extra facilities and convenience you can get to
provide better care to senior citizens who are prone to get affected from
lifestyle diseases.
One should tune in to their budget and the above mentioned factors
together to get the best health insurance policy for senior citizens. This way,
one can insure their loved one with the best health policies from Religare for
future assurance and lifetime happiness.
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