Challenges of Insuring Senior CitizensHigh premiums: Premiums for 60+ are 3-5x higher than for 30-year-olds.Co-payment: Most plans require 10-20% co-payment per claim.Pre-existing condition waiting: 1-4 year waiting for diabetes, BP, heart conditions.Limited sum insured: Many plans cap at ₹5-10 Lakh for seniors.Mandatory medical tests: Full health check-up required before policy issuance.Top Senior Citizen Health Insurance Plans 2025PlanEntry AgeMax CoverCo-payPremium (65-yr)*Star Senior Citizen Red Carpet60-75₹25 Lakh10-20%₹28,000Care Senior60-no limit₹10 LakhNone!₹32,000Niva Bupa Senior First61-75₹10 Lakh10%₹25,000HDFC ERGO Optima Senior60-75₹10 Lakh20%₹22,000New India Senior Citizen60-80₹5 Lakh10%₹18,000*Individual plan, ₹5 Lakh SI. Actual premiums vary by health status.✅ Tax Benefit: Premiums paid for senior citizen parents qualify for ₹50,000 deduction under Section 80D (vs ₹25,000 for non-senior). If both you and your parents are insured, total deduction can reach ₹75,000-1 Lakh.What to Look ForNo co-payment or low co-pay: Some plans like Care Senior have zero co-pay.Pre-existing condition cover: Shorter waiting period (1-2 years) is better.Domiciliary treatment: Home-based treatment coverage for seniors who can't be hospitalized.Day care procedures: Dialysis, cataract surgery, chemotherapy coverage.Wide network: Ensure hospitals near your parents' home are in the network.No lifetime renewal cap: Plan should be renewable for life.Frequently Asked QuestionsMy parents are 70+ with diabetes. Can they get insurance?

Yes, several companies insure up to age 75-80 (Care Health has no upper age limit). Diabetes is covered after 2-4 year waiting period. Premium will be higher, and co-payment may apply. Declare all conditions honestly.

Should I add parents to my family floater or buy a separate plan?

Separate plan is usually better. Adding parents (60+) to your family floater dramatically increases the premium for the entire family. Also, if a parent makes a claim, it depletes the shared sum insured, leaving less for you and your children.

Senior Citizen Health Insurance 2025: Best Plans for Parents Above 60

By Admin • Feb 23, 2026 • 📖 4 min read

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Insurance & financial content specialist at PolicyBaazar. Helping Indians make informed insurance decisions with expert analysis and unbiased reviews.

📅 Published: Feb 23, 2026 📖 820 words ⏱️ 4 min read

Senior Citizen Health Insurance 2025: Best Plans for Parents Above 60

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