Insurance that actually pays at age 65.
Most cheap plans look great until you read the room-rent cap and the 4-year pre-existing waiting clause. We pre-filter for the things seniors actually need: day-1 PED, OPD, dental, home-care, no co-pay. Every plan compared, every clause explained — in plain English.
60+
Plans accepting first-time buyers up to age 99
Day 1
PED cover available on 7 senior plans
₹1 L
Section 80D deduction (senior + parent senior)
₹50 K
Avg fraud loss prevented by cyber rider
The senior insurance toolkit.
Health is the centre of gravity. Add critical illness for non-medical recovery costs, pair with cyber for the rising UPI-fraud threat, and consider an annuity for predictable income.
- Day-1 pre-existing-disease cover (select plans)
- No upper entry-age cap on 12 plans
- OPD + dental + physiotherapy add-ons
- Cashless at 12,000+ network hospitals
- Schengen + US covered up to age 85
- Emergency evacuation up to $500K
- PED-related emergencies covered
- Trip-cancellation refund
- ₹10–25 L lump-sum on first diagnosis
- Funds non-medical recovery costs
- Standalone or as a rider on health
- 30-day survival period · 36 illnesses
- UPI / card-fraud reimbursement up to ₹50K
- Identity-theft legal expenses
- Phishing / OTP-scam covered
- 24/7 incident hotline · senior-friendly
- Joint-life option for spouse
- Inflation-linked annuity available
- Section 80CCC deduction
- Guaranteed return of purchase price
- ₹50 L cover from ₹1,800/yr
- No medicals, instant policy
- Disability + fracture pay-outs
- Independent of health policy
The five things that matter most.
Premium is the easy comparison. These five clauses cause 80% of claim denials at this life-stage.
- 01
Match the room-rent cap to the city
Tier-1 city ICU rates run ₹15–25K/day. A ₹4,000 room-rent cap means proportional reduction on every other bill at discharge — including diagnostics. Pick a plan with no cap (or a cap ≥ city ICU floor).
- 02
Get PED waiting in writing
A 36-month PED waiting period sounds harmless until a diabetic kidney issue surfaces in year 2. Seven plans offer day-1 PED for an additional 8-12% premium — frequently worth it.
- 03
Verify in-network for your regular hospital
For ongoing conditions (dialysis, chemo), cashless at the same hospital you already use is the single biggest convenience. Check before purchase, not at admission.
- 04
Add a critical-illness lump-sum
Health insurance pays the hospital. Critical illness pays YOU — covers home modifications, family travel, lost income. Separate cover, separate trigger.
- 05
Pair cyber with health for OTP-scam protection
NCRB and RBI report seniors are 2.4× more likely to fall for OTP-based fraud. ₹100/mo cyber rider can prevent a ₹50K loss.
IRDAI-licensed broker
Composite Direct + General · CB-001-2024.
Same price as direct
No mark-up, no add-on premium. Insurer rates published by IRDAI.
Senior-priority hotline
Dedicated line for 60+ with longer service times — no IVR mazes.
Annual review built-in
Renewal alerts 60 + 30 + 7 days before lapse, with cheaper-comparable suggestions.
Common questions.
Is there a maximum age to buy a new health policy?
Twelve plans on Klaro accept first-time buyers up to age 99. The premium and PED waiting depend on age + medical history; we surface them transparently in the quote.
How much does Section 80D save me?
₹50,000 deduction for senior premium (self) + ₹50,000 for senior parent premium = ₹1 L total. At 30% marginal rate that's ₹30,000 of tax saved each year.
Will I need a medical test before purchase?
Most plans require a tele-medical questionnaire. Plans with day-1 PED + no co-pay typically need a physical check-up at an empanelled diagnostic centre — Klaro books this for you.
Can I buy on behalf of my parents?
Yes — proposer can be an adult child with consent. The policy is in the parent's name; the child handles the payment. Tax benefits accrue to the proposer paying the premium.
Built for the second innings.
Two minutes to a senior-tuned health quote. Compare 18 plans, see day-1 PED options first, and book a video call with a senior-specialist advisor at no extra cost.