We all know how Covid 19 was vulnerable to us. But most importantly, It has affected the senior citizens of our country. Everyone is worried about the health of their grandparents and parents because of the rise in health problems at their age. Due to increased age, specific physiological changes in bodies require special attention.

In this busy world, everyone cannot be for their parents 24*7, so taking a health insurance policy to help you in vulnerable situations is essential. As you age, the ailments and vulnerability increase, leading to health care expenses. Only some people are so rich to handle all the payments independently, and they need to select a good health plan that relaxes certain financial burdens.

Our Government of India(GOI) has launched some government health insurance schemes for senior citizens to ease this financial burden. These schemes are designed for people over 60 years, and GOI provides a specific range of health insurance plans to reduce the family's financial responsibility. In this article, we will read about health insurance for senior citizens by the government and how to choose the best one for you. Let's head on to the article.

Importance of a Health Insurance Schemes for Senior Citizens

At this age, one is more vulnerable to ailments and medical emergencies. Even a minor health problem can significantly burden your family's finances. But with health insurance for senior citizens, you can get coverage for medical expenses such as hospitalisation and surgeries. Here are some of the advantages of purchasing health insurance for seniors:

• Increase in illnesses- Due to the increase in age, multiple problems arise. The rise in diseases is the main problem, mainly because of lifestyle issues and pollution. Urban areas have developed a lot but are cursed with several problems. Most people are getting health issues from all these problems and facing financial issues.

 The government plays a significant role in tackling financial problems and   health insurance for senior citizens in India. Taking health insurance for senior citizens is the best way to secure your finances in the worst times.

Conclusion

The increasing costs of paying for your parents' healthcare have become incredibly challenging due to changes in your livelihood. Although multiple private insurance companies provide older adults with health insurance plans, these plans typically have several problematic restrictions. The Government health insurance companies in India are people-centred and are designed to aid the elderly sufficiently financially when they are ill.
The leading government insurance schemes in India listed above will make your search easy and short. You can choose it for your grandparents or parents. Thus, be sure the plan you select meets your needs so that you may be by your loved ones' sides during their illness rather than rushing to secure funding for it.

FAQs

Do senior health insurance plans cover problems that already exist?

Most government health insurance for senior citizens includes coverage for pre-existing diseases. The insured must finish a set waiting period before claiming the payout, which may vary from plan to plan.

What would occur if anyone fails to pay a premium for health insurance?

A grace period of 30 days long is given. However, it may be shorter for plans with less frequent premium payments. If a legitimate claim is made under the insurance during the grace period, the policy issuer will still pay up on the claim.

The current and overdue premium may be subtracted from any benefit owed in such circumstances. The policy will expire. Also, you will lose many associated benefits if you do not pay the premiums just before the end of a time limit.