All insurance companies selling health insurance policies in the India market offer Cashless settlement of claims for inpatient hospitalization. Cashless Hospitalization is a feature/service given by the Insurance Companies in India where an active customer/policy holder can get medical treatment at the best hospitals (in the network) anywhere in India, without paying for the same from his/her pocket. The eligible medical expense incurred for a covered benefit will be settled directly with the hospital by the Insurance Company with the required prior approval of the TPA (Third-Party Administrator).
Insurance Company + Plan Name | Eligibility Criteria / Age | Sum Insured Options | Medical Check-up |
---|---|---|---|
Apollo Munich Health Insurance - Optima Senior![]() |
Any person whose age is 61 years and above. No Maximum Entry Age. Lifelong Renewal |
2, 3, 5 lacs | Insured will be called for a medical check-up on the basis of your age, health declaration and cover opted for. |
Star Health - Senior Citizen Red Carpet Health Insurance Plan![]() |
Any person between 60 and 75 years of age at the time of entry can take this insurance policy. | 1,2, 3, 4, 5, 7.5, 10, 15, 20, 25 lacs | No pre-acceptance medical test required However if following medical records of the person proposed for insurance are submitted, a discount of 10% of is allowed. - Stress Thallium Report - BP Report - Sugar (blood & urine) (Fasting / Postprandial) - Blood urea & creatinine |
HDFC Ergo – Silver / Gold Plan![]() |
Any person whose age is 61 years and above. No Maximum Entry Age. Lifelong Renewal |
3, 4, 5, 7.5, 10, 15 lacs | Persons opting for a policy for the first time have to undergo a detailed prescribed Pre Health check up from an empanelled doctor in HDFC Ergo Network. |
Bajaj Allianz - Silver Health Plan for Senior Citizens![]() |
This policy covers members up to from 46 to 70 years of age Renewal age upto 75 years |
50,000 - 5 lacs | Pre Policy Medical Check up required for this plan |
Tata AIG - MediSenior Health Insurance![]() |
Insureds of the age 61 and above No Maximum Entry Age. Lifelong Renewal |
1, 3, 5 lacs | PPC Required and to be done at Tata AIG Authorised centres. 50% reimbursement of cost after proposal acceptance. |
New India - Senior Citizen Mediclaim Policy ![]() |
60 - 80 years (renewable up to 90 years of age Lifelong Renewal |
Two Options of 1, 1.50 lacs | Persons opting for a policy for the first time have to undergo prescribed Pre Health check up from an empanelled doctor. Cost of check up has to be borne by the proposer. |
Religare Health – Care Senior![]() |
Individual: 61 years and above
Floater: 2 Adult (Self, Spouse, Father, Mother) Entry Age Maximum : Lifelong Lifelong Renewal |
3, 5, 7, 10 lacs | No Pre Policy Medical Check up |
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