Senior Citizens Health Insurance is a facility which provides cashless treatment to all the senior beneficiary. Usually health insurance it’s a kind of a rescue which removes the burden of health treatment. It is a powerful tool which ensures the medical treatment, test, medicine expenses to all the beneficiaries of health insurance policy. However, it is very much necessary for all citizens to opt for health insurance. But it is advisable for all the senior citizens to get their health insurance done. Usually with growing age health problems also increase. Frequent doctor visits, expenses of medicines, different tests and hospital stay becomes very common after the age of 60. And here comes the rescue of medical expenses.
Insurance policy without Medical Tests
Yes we are talking about health insurance which may reduce the burden of the many families who find it hard to pay the hospital bills. So the insurance policies come to the rescue. When it comes to the insurance policy of senior citizens one big problem arises that is medical tests. Yes senior citizens have to face the different medical tests before taking the insurance policy. However there are many insurance companies nowadays who are providing health insurance without many medical tests. But still most insurance companies ask for medical check-ups before giving health insurance to the elderly people.
So it is advisable for all the elderly citizens to get the information of those insurance companies who are not forcing medical tests. Yes these types of insurance company really do exist in India, These companies offer senior citizen health insurance plans without compulsory medical tests. Especially for the people between 60 to 75 years of age. This type of health insurance ensures financial protection to elderly people.
In this scheme some plans do not ask for any medical test at the same time some also only ask the basic question about health. In return the insurance company may apply a waiting period or co- payment clause. But these companies finally activate the health insurance policy without a medical test.
Why Senior Citizens Health Insurance is necessary
Usually after a certain age senior citizens have to face different kinds of health issues, some have BP problems, some have sugar problems, heart diseases, some have different diseases. Because with age different problems arise in the human body. So before providing any kind of health insurance, insurance companies ask the senior citizen to get their health checkup done which includes blood test, BP check, sugar test, ECG and other important reports. This kind of Health test may lower the risk of claims to insurance companies and even the fraudulent to the insurance policy. However nowadays many insurance companies are offering health insurance plans without compulsory medical tests.
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What is Senior Citizens Health Insurance without Medical Test
Senior citizen health insurance without a medical test is a health insurance policy where no compulsory health checkup is necessary. Here insurance policy offers the benefit of insurance to all senior citizens without any medical test. However some insurance companies may ask health related questions. Some may come with a waiting period clause and some diseases may not be covered immediately.
Who can apply for Senior Citizens Health Insurance
- This type of insurance policy is available for citizens who are aged between 60 to 75 years.
- These policies are beneficial for those who are afraid of medical taste.
- Elderly people who are already facing lifestyle diseases like BP or diabetes.
- Families who really don’t want quick Insurance approval but want to cover elderly people’s health expenses.
- This is also beneficial for the parents who are living alone and are dependent on child.
- presently there are many different plans who allow entry till 80 years too.
Senior Citizens Health Insurance without Medical Test Benefits
In this type of health insurance policy senior citizens do not have to visit the labs or hospital for different tests.
This policy gets quickly approved within 22 to 48 hours. In this policy different expenses are covered like hospital bills, room and Doctor fees, surgery cost, ICU charges. This kind of insurance policy ensures the peace of mind to the elderly people. And some plans allow the coverage even elderly people already have different kinds of disease with the clause of waiting period. Details of senior citizen health insurance plans which are available without medical test.
In India there are different companies who are offering senior citizen health insurance plans without medical tests. These plans are as follows
Star Health senior citizen red carpet policy: This policy ensures no medical test. This policy also allows certain diseases with the clause of waiting period and co-payment is also applicable here. In this policy Senior citizens from 60 to 75 years of age can enter.
New India assurance Senior Citizen Mediclaim policy: This is another policy which is available without a medical test. This ensures health benefits to all the senior citizens. New India Assurance is governmental Insurance Company which offers no medical test insurance policy. It is a trusted brand and it has a reasonable premium.
National Insurance medical policy: This policy is specially designed for senior citizens. It has no compulsion of medical tests. This policy covers all major treatment of senior citizen and it has lifetime renewable policy.
United India insurance: In this policy senior citizens up to 80 years of age can enter. For this no medical test is required. This policy offers cashless Hospital Network guarantee and it provides different kind of health benefit to all the senior citizens.
Care Health Insurance: This senior citizen insurance policy is offered by a health insurance company. This allows no medical test up to a certain age. It covers all the modern kind of treatment. This insurance company has large Hospital Network in India.
Tata AIG mediclaim plan: This plan is for senior citizen insurance policy which focuses on senior citizen health coverage. It allows no medical tests for all the senior citizens. It covers daycare and all the modern procedure expenses. Important terms to remember before taking any senior citizen health insurance policy without medical test.
Before buying any senior citizen health insurance policy which is available without any medical test one has to remember 2 main terms.
One is a waiting period and another one is a co-payment.
Waiting periods is an important clause which is included in many senior citizen policies without a medical test. It says that after an insurance policy is taken, the beneficiary has to wait from 1 to 4 years for pre-existing disease. During this period if any kind of illness occurred the insurance company will not cover the expenses. And some illnesses are covered after 2 years.
Co-payment is another different term which is applicable for senior citizen health insurance plan without medical test. In this one has to pay a fixed percent of Bill during the treatment. Usually it lasts from 10% to 30% and the insurance company will pay the remaining amount. So in a nutshell, senior citizens’ health insurance without a medical test is a big relief for elderly people. It helps the elderly people during medical treatment. These kinds of policies remove the fear of elderly people and guarantee cashless medical treatment and sometimes reimbursement is also provided.
However, the premium of these kind of policy is slightly high but the benefit is also very valuable. It is advisable for all the senior citizens to compare the different plan and then go ahead for a plan which is suitable for them.
