Care Health
Care Plus
₹12,748/yr · ₹10 L
- Claim ratio
- 95.2%
- Room rent
- No cap
- Co-pay
- 0%
- Unlimited restore
- No room-rent cap
- Day 1 cover for 30+ diseases
Senior citizen health
Cover for parents that pays when it counts.
Tailored plans for members 60+ with shorter waiting periods, pre-existing day-31 options, and domiciliary + critical-illness add-ons. We flag the ones without co-pay traps.
Day 31
PED cover (optional)
No age
Entry-age limit
Domic.
Home care covered
Top picks
Top senior citizen plans.
Three standouts for a 63 year-old parent · ₹5 L cover · hypertension disclosed.
Best value
Star Health
Family Health Optima
₹14,840/yr · ₹10 L
- Claim ratio
- 92.5%
- Room rent
- Single pvt
- Co-pay
- 0%
- Automatic 3× recharge
- Newborn covered day 1
- 30-day free look
Niva Bupa
ReAssure 2.0
₹16,200/yr · ₹15 L
- Claim ratio
- 96.1%
- Room rent
- No cap
- Co-pay
- 0%
- Lock-in of age & premium
- Unlimited restore
- International cover
Common questions.
Why are senior plans 3-5× more expensive?
Higher claim frequency + higher waiting-period buy-out + insurer-mandated co-pay (10-30%). Senior plans also typically cap room rent / ICU separately to manage tail risk.
What about pre-existing conditions at age 60+?
Standard PED waiting is 36-48 months on senior plans. A few specialised insurers offer day-1 PED for senior citizens at a 25-40% premium loading — we tag them.
What is a family floater?
A single policy with one sum insured that every listed family member can draw from. Cheaper per head than individual plans.
How does the room-rent cap affect my claim?
If you pick a room more expensive than the cap, every other charge (tests, consultations, procedures) gets proportionally reduced. We compare this at quote time.
When does pre-existing cover kick in?
Typically 24 to 48 months after purchase. A few plans offer day-1 cover for an extra premium — we flag those.
Can I claim cashless at any hospital?
Only at network hospitals. Outside the network it's reimbursement — pay first, claim later.
Sub-products
Other shapes of health cover.
Stack a senior plan with a critical-illness lumpsum to keep the health corpus intact.
Individual
Dedicated cover for one person.
Best for singles under 35
from ₹623/mo
Most boughtFamily floater
One plan shared across the whole family.
Most popular for couples + kids
from ₹493/mo
You’re here
Senior citizen
Tailored for parents over 60.
Pre-existing covered from day 31
from ₹1,847/mo
OPD + wellness
Dentist, labs, pharmacy, teleconsults.
For everyday out-patient spending
from ₹218/mo
Critical illness
Lumpsum on diagnosis — cancer, heart, stroke.
Top-up for your existing cover
from ₹147/mo
Get peace-of-mind for your parents.
2 minutes of questions, 11 insurers, senior-specific plans compared on waiting periods and co-pays.
Start my quote