Health Insurance for Senior Citizens

Protect your parents and the elderly in your family from health issues with our senior citizen Mediclaim policy.

What is Health Insurance for Senior Citizens?

Older adults are more prone to health issues and sudden health emergencies. Having health insurance for senior citizens could be of immense help, should such an emergency arise. A comprehensive mediclaim for senior citizens can cover medical bills, reduce the financial burden and keep your family members safe.

Navi Health Insurance is the best option for your parents if you are looking for the best health insurance for senior citizens. We offer protection against any accidental or sickness-related medical emergencies. You will gain access to 10,000+ network hospitals across India, unlimited online consultation, complete coverage on hospital bills and much more.

Features and Benefits of a Health Insurance Plan for Senior Citizens

Features and Benefits of a Health Insurance Plan for Senior Citizens

You can avail of cashless claims for medical expenses at one of our 10,000+ hospitals spread across India. This means that you will not have to pay any money out of your pocket, and we will take care of the cost on your behalf while you take care of your family members.
Navi’s health insurance for senior citizens can be availed via a 100% paperless process. Whether you are buying the insurance policy or filing for cashless claims- the entire process is paperless and completely digital. To sign up, download the Navi app.
You will be rewarded with a no-claim or cumulative bonus for all the years you go without making a claim. If you do not file a claim for any of your elderly family members for one year, then a percentage of the amount you insure will be carried forward to the following policy year.
You will also receive an additional sum insured in case the insured person suffers an injury solely and directly from a road traffic accident.
Get automatic restoration of up to 100% on your base sum insured as specified in the policy document in a policy year.
Receive adequate coverage for the elderly people starting from Rs.2 lakh and up to Rs.1 crore. Enjoy the flexibility of these plans and pay premiums in EMIs.
A unique benefit offered by Navi! Walk 4000 steps daily for at least 250 days to get an additional discount of 5% on your premium when you renew your policy.
*Terms and Conditions Apply

Health Insurance Policy Inclusions

100% Hospital Bill Covered

100% Hospital Bill Covered

We cover your entire hospitalisation bill along with other related medical expenses from 90 days before to 180 days after hospitalisation

Pre and Post Hospitalisation

Pre and Post Hospitalisation

With Navi Health Insurance Plan, you get comprehensive medical coverage 90 days before hospitalization and 180 days after

Hospitalisation at Home

Hospitalisation at Home

Get medical treatment at home for 3 or more days due to patient’s adverse health condition or unavailability of hospital bed

Unlimited Online Consultations

Unlimited Online Consultations

You can get unlimited online doctor consultations with the top doctors of the country at to additional cost

Additional 100% Sum Insured for Accidental Injury

Additional 100% Sum Insured for Accidental Injury

For road accident injuries, we provide additional 100% sum insured once existing sum insured amount is exhausted

Organ Donor Expenses

Organ Donor Expenses

We cover organ donor’s hospitalisation cost

Air Ambulance

Air Ambulance

Get up to ₹5 Lakh for emergency transfer via air ambulance

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

New Born Baby Benefits

New Born Baby Benefits

Hospitalisation expenses of up to ₹10,000 for newborn baby within 90 days of birth

Health Insurance Policy Exclusions

Dental Treatment

Any planned dental treatment is not covered under the health insurance plan

Eye Treatment

Any planned eye-treatment is not covered under the health insurance plan

Alcoholism/Drug

Any health complications caused by alcoholism or drug abuse aren't covered under the health insurance policy.

Alcoholism/Drug

Why Do You Need Health Insurance for Senior Citizens?

A senior citizens’ health insurance policy will safeguard the elders of your family against illnesses caused by age or accident.
Here are some of the reasons why getting this policy for the elderly in your family is a brilliant choice:

Stay Financially Protected

An insurance policy for the elders of your family will help you protect your savings. This insurance policy will cover hospitalisation costs and other medical costs to ensure they don’t burn a hole in your pocket.

Protect Your Parents and Grandparents

Elderly people are more prone to chronic or sudden health-related issues. If an emergency arises, the insurance policy will take care of them. You will not have to worry about huge medical bills.

Affordable Premiums

Navi offers affordable premium options, which you can choose to pay as low-cost monthly EMIs.

Enjoy Tax Benefits

When you get Navi’s senior citizens’ health insurance policy, you can claim tax deductions of up to Rs. 50,000 under section 80D of the Income Tax Act.

Protection from Lifestyle-Related Health Issues

Modern lifestyles come with numerous health issues, some of which can be quite serious. The senior citizens of our country are especially suffering from these rapid lifestyle changes. Navi’s health insurance policy for senior citizens ensures that they will receive the best-in-class-treatment for any lifestyle-related health issue.

How to Buy a Senior Citizen Health Insurance Plan?

Purchasing health insurance for senior citizens in India is easy and quick with Navi. Just download the Navi app and you can get a senior citizen health insurance plan within minutes at the most reasonable rates.
Follow the steps below to buy Navi’s Health Insurance for Senior Citizens:

Download the Navi app from Play Store or App Store
Our insurance advisor would ask you a few simple questions
Get an instant quote based on your personal and health details
You have the option to pay your insurance premium in EMIs starting at ₹235 per month
Get instant access to all policy-related documents

How to Buy a Senior Citizen Health Insurance Plan?

Network Hospitals

Manipal Hospital

Aster Hospital

Manipal Hospital

Aster Hospital

How to File Claim for Senior Citizen Health Insurance Policy?

How to File Claim for Senior Citizen Health Insurance Policy?

With Navi health Insurance, you can opt for cashless and reimbursement claims. The process is straightforward. Here is what you need to do to file claims:
  1. Select the date of your admittance
  2. Go to the nearest Navi Network Hospital
  3. Find the Insurance Help Desk and provide them with the following details
    • Insurer- Navi General Insurance
    • TPA- Medi Assist
  4. Carry your ID proof and policy documents for reference
  1. Select the admittance date and hospital
  2. Upload all your medical documents on the Navi app
  3. Track the claim status through the claims tracker
  4. Get notified once your claim is approved

How to Choose the Right Insurance for Yourself?

Sum Insured

Considering the rising medical costs, try to buy a policy that provides adequate cover. A policy with a low coverage amount may not be sufficient for you and your family. Navi Health Insurance offers health cover up to Rs.1 crore*

Cashless Settlement

Insurance companies have tie-ups with hospitals, commonly known as network hospitals. Check if your insurer provider has a long list of network hospitals. You can get cashless claims in 10,000+ network hospitals with Navi Health Insurance

Claim Settlement Process

Every insurer looks forward to a hassle-free claim settlement process and every quality insurance company strives to maintain an excellent claim settlement ratio. With Navi Health Insurance, claim settlement is a breeze

Affordable Premium

There should be a balance between insurance cover and premium. Considering affordability as a major factor, we have introduced insurance premium payments in EMIs. Our insurance premium EMIs start at just Rs.235/month*

Know Your Requirement

Your requirements can include the sum insured, how many members you are planning to add, the ailments you want to be covered, etc. Understand your requirements and purchase a policy to maximise on policy benefits

Waiting Period

Waiting period is the time span during which you cannot claim some or all of the benefits of your policy. It is crucial to know the waiting period for various ailments mentioned in your policy to make an informed decision.

Top Hospitals In Cities

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Manipal Hospital

Apollo.62f06b3b

Apollo Hospital

Fortis.2673ea86

Fortis Hospital

Max.8013c6e1

Max Healthcare

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What our customers say about us

My whole claim experience was hassle free & very good, both during admission and discharge time. I have already recommended Navi Health Insurance to many friends & will continue doing so.
The best thing about Navi Health insurance was completely paperless buying experience and great customer support. I found Navi health insurance to be most affordable policy with amazing benefits
I was happy with the overall claim experience. Most important part was it was cashless and I got quick response by Navi team. Will definitely recommend Navi Health Insurance to family and friends!

Frequently asked questions

The hospitals that have an agreement with a particular insurance provider and offer cashless treatment options to their policyholders are known as network hospitals. Navi has 10,000+ network hospitals across the country where you can avail of cashless treatment.
If your parents did not have a medical insurance plan before they turned 60, then it is time to get them a special, senior citizen health insurance plan. Health insurances are necessary, especially when one grows older. In case of a medical emergency, hospital bills can put a dent in your savings and budget. Fortunately, most of these illnesses, hospital costs and medical bills will be covered under a good health insurance plan for senior citizens.
You can get individual senior citizen insurance plans for your parents. But if you and your parents are over 60 years old, you can also get the family plan. This way, the premium costs will be low, and your whole family will be covered under a single plan. You can also avail of tax deductions of up to Rs.50,000 for senior citizens under Section 80D of the Indian Income Tax Act.
Yes. Senior citizens with serious pre-existing medical conditions like asthma, high blood pressure or heart-related ailments are more likely to get hospitalised. Thus, the premium charges for these individuals are also higher than the average person.
A comprehensive health insurance plan covers most of the medical expenditures. But some of them, like a planned eye or dental treatment or sickness caused by the abuse of alcohol or drugs, are not covered under any sort of health insurance plan. You can also connect with your insurance provider and see the exclusions in their plans before you buy a health insurance policy.
Health insurance usually covers direct road accident-related injuries and subsequent medical bills. But you must read the documents carefully to see what costs are covered under your insurance policy.

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