Best Government Health Insurance Schemes for Senior Citizens 2022

A Government health insurance for senior citizens is specially and specifically designed for the people above 60 years to whom we are referring as senior citizens. All senior citizens should opt for Government health insurance schemes. We all know that as time passes, people start to get older they start to depend on their families for financial help and other daily needs also, in addition to which their medical expenses also grow rapidly with their growing age, that is why they should go for Government health insurance for senior citizens. Without having a proper health insurance scheme the medical expenses can create very stressful situations for the family and senior citizens also. This is a very basic and important factor to consider towards getting Government health insurance for senior citizens. There are so many Government health schemes for senior citizens in India. 

Some of the Best Government Health insurance schemes for Senior citizens are available, you can choose as per your understanding. As we all know about the competition in the market for being best, and this competition has even reached health insurance schemes also, the market is flooded with several health insurance schemes and is ready to make any fake promise to attract the customers. That is why it is preferable to go for Government health insurance for senior citizens. 

The Indian government has played its part and has developed some great Government health insurance for senior citizens and in this article, we are going to explore the Top 5 Government Health insurance schemes for senior citizens. The list of government health insurance schemes is given below, after which we will discuss all of the below-mentioned schemes in detail.

Top 5 Government Health Insurance Schemes For Senior Citizens 2022

1. National Varishtha Mediclaim Policy
2. National Senior Citizen Mediclaim Policy 
3. New India Assurance Senior Citizen Mediclaim Policy
4. Oriental Senior Citizen Hope Health Insurance 
5. United India Senior Citizen Mediclaim Policy

Now that we have seen the list of government health insurance schemes, let us have a brief discussion about all of the above mentioned Government health insurance schemes.

1. National Varishtha Mediclaim Policy

This Government health insurance plan for senior citizens is introduced by the National Health insurance company. National Health insurance company offers this Varishtha Mediclaim policy for senior citizens for the age of above 60 years. “Varishtha” is a Sanskrit word whose English translation is senior. The policy period of this health insurance scheme is only one year but the plan renewal can be done up to the age of 90 years. 

Features of this Government health insurance scheme

• This Government health schemes for senior citizens in India covers the charges of medicine, oxygen, blood, diagnosis of illness, etc.
• This government health insurance schemes claims to cover eight serious illnesses.
• The sum assured limit amount of this health Insurance scheme is Rs.1 lakh to Rs.2 lakh for hospitalization and domiciliary hospitalization, that is why this is one of the best Government health insurance for senior citizens.
• This Government health insurance schemes also helps the policyholders with ambulance charges of up to Rs.1000. This is one of the reasons why you should choose this Government health insurance for senior citizens.
• Treatment of serious medical problems are also covered by this Government health schemes for senior citizens in India but up to a pre-decided amount, these serious illnesses can include organ transplant also.
• This health insurance scheme which is a Government health insurance for senior citizens also pays for the charges of consultations with the physician and also the charges of surgeons, etc.
• This Govt. Health insurance plans for senior citizens also cover some very serious illnesses including cancer, stroke, etc. Even if the policyholder is not hospitalised. 
• Under section 80D of ITA, there are some allowed deductions in the premiums of this Govt. Health insurance plans for senior citizens of up to Rs.15000.

2. National Senior Citizens Mediclaim Policy

This is one of the top 5 government health insurance schemes for senior citizens. This Government health schemes for senior citizens in India provides the highest sum assurance of Rs.10 lakhs which can be provided to the age group of 60 years to 80 years. According to this health insurance scheme which is a Government health insurance for senior citizens the policyholder can also include their partner in this policy on a family floater basis.

Features of the Best government health insurance scheme for senior citizens

• This Govt. Health insurance plans for senior citizens cover the consultation charges with the physician, surgeon and also cover the charges of anaesthesia, injunction, along with room charges.
• This Government health insurance for senior citizens also covers the ambulance charges and also the expense of an organ donor. 
• This Government health insurance schemes in India also provides a waiting period of 24 months for any pre-existing conditions.
• This Govt. Health insurance plans for senior citizens also provides health insurance scheme cover for HIV and mental illness, which is making it one of the Best government health insurance schemes for senior citizens. This becomes one of the reasons to consider this Government health schemes for senior citizens in India.
• In this government health insurance schemes, not just allopathic but Ayurveda and homoeopathic treatments are also provided. Which makes this Govt. Health insurance plans for senior citizens are even better.
• At the network hospitals with this health insurance scheme, a cashless treatments facility is provided by this Government health insurance for senior citizens. 
• Tax benefits are provided under this health insurance scheme, under the 80D section of ITA on premium paid.

3. New India Assurance Senior Citizen Mediclaim policy

This is also one of the Best health insurance schemes for senior citizens as it is a nationally available insurance policy in India. This government health insurance for senior citizens is specially designed to meet the requirements of the people of the age groups of 60 to 80 years. 

Features of this Government health schemes for senior citizens in India

• According to this health insurance scheme the policyholder can have a sun assurance of between Rs.1 lakh to Rs.1.5 lakh. 

• This government health insurance scheme provides cover for the pre-existing disease but after the waiting period of at least 18 months. 
• This Govt. Health insurance plans for senior citizens provide a hospitalization cover for 30 and 60 days respectively. 
• If the partner of the policyholder is also covered in this government health insurance schemes, it provides a discount of 10%.
• If a policyholder pays the premium in advance, in that case after 18 months are completed, this health insurance scheme will provide cover for pre-existing illnesses also such as diabetes, hypertension and all the other related complications are also covered. One of the very interesting points about this Government health schemes for senior citizens in India. 

4. Oriental Senior citizen Hope Health Insurance

This health insurance scheme is one of the Best government health insurance schemes for senior citizens as it provides some great benefits to its policyholders. This has been included in the top 5 Government health insurance schemes for senior citizens because this health insurance scheme is available for people above the age of 60 years. 

Features of this Government health insurance schemes

• This health insurance scheme is in the list of government health insurance scheme and also is one of the top 10 government health insurance scheme for senior citizens because this offers a sum assurance of Rs.1 lakh up to Rs.5 lakh to the insured person.
• This is one of the Government health insurance schemes in India as it provides a cover for the pre-existing illnesses after a particular waiting period of 24 months. 
• This health insurance scheme is on the list of government health insurance scheme as it provides a cover for the consultant fee of the physician and other doctors. 
• This health insurance scheme is one of the top 5 Government health insurance schemes for senior citizens as it covers the charges for the ICU unit. 
• One of these Government health insurance schemes provides a complete cover for ambulance charges, dialysis, also the charges for radiotherapy, etc. 
• One of these Government health insurance schemes offers a cover for chemotherapy in case of cancer treatment. Which makes this Government health schemes for senior citizens a choice to consider. 

5. United India Senior Citizen Mediclaim Policy

This is the last but not the least name on the list for government health insurance schemes, this is also the last option among the top 5 government health insurance schemes for senior citizens. This health insurance scheme provides health cover for the people of the age from 61 years to 80 years, this is one of the major reasons for it being in the top 5 Government health insurance schemes for senior citizens. 

Features of this government health insurance schemes

• In this Government health insurance schemes in India, a sum insured amount from Rs.1 lakh up to Rs.3 lakh is provided.

• One of these Government health insurance schemes provides a cover for pre-existing illnesses after the waiting period of 48 months. 
• This health insurance scheme provides a cover for the fees of physicians, surgeons and also covers anaesthetic charges, etc.
• This health insurance scheme is included in the Government health insurance plans for senior citizens because it provides coverage for not only hospitalization but also of medicine, drugs, blood required, etc. This is a very impressive point about this Government health insurance for senior citizens.

Importance of Government Health Insurance For Senior Citizens

We have already mentioned so many benefits above of each health insurance scheme which all are Government health insurance schemes, but that the list of government health insurance scheme benefits is not just enough to satisfy the customers as for convincing them to take Government health insurance schemes. So, we have mentioned another list of government health insurance scheme benefits below, which will help you to get to the point of the importance of government health insurance for senior citizens.

Now, let us have a look at the list of government health insurance scheme benefits below:

1. Old age comes with a wide range of medical problems and a health insurance scheme comes to your rescue. Government health insurance schemes don’t let you feel that burden all of a sudden which is generally faced by people who do not take government health insurance schemes.
2. Government health insurance schemes for senior citizens in India can prove to become a support for the medical expenses of senior citizens and their families. That is why it is recommended to opt for any Government health schemes for senior citizens in India.
3. Govt. Health insurance plans for senior citizens are specially made to make the senior citizens financially independent so that they can live their entire life with all the dignity they ever had.
4. Govt. Health insurance plans for senior citizens do not let you drain all your savings at the time of any medical requirement. 
5. Govt. Health insurance plans for senior citizens makes you tension free and because of being tension-free, you can live your life disease-free, as tension is the reason for most medical conditions nowadays.

Government Health Insurance Schemes for Senior Citizens – FAQs

Q1. What is the Govt. Health insurance plans for senior citizens?

Ans. Govt. Health insurance plans for senior citizens are the health insurance plans which are specially designed for the senior citizens to save some money for their future medical requirements, they are issued by the government of India that is why they are Govt. Health insurance plans for senior citizens.

Q2. Which are the top Govt. Health insurance schemes in India?

Ans. There are several Govt. Health insurance schemes in India are available, some of them are giving below:

1. National Varishtha Mediclaim Policy
2. National Senior Citizen Mediclaim Policy
3. New India Assurance Senior Citizen Mediclaim Policy
4. Oriental Senior Citizen Hope Health Insurance
5. United India Senior Citizen Mediclaim Policy

Q3. Are the Govt. Health insurance schemes in India issued by the Indian government?

Ans. Yes, the Govt. Health insurance schemes in India are issued by the Indian government.

Q4. Is any Government health insurance for senior citizens available outside India?

Ans. No, not any of the Government health insurance for senior citizens is available internally, they are only issued in India and work in India only.

Q5. Do any Government health schemes for senior citizens in India provide a cover for chemotherapy?

Ans. Yes, some of the above-mentioned Government health schemes for senior citizens provide a cover for chemotherapy.

Q6. Government health schemes for senior citizens in India are provided from which age?

Ans. All the Government health schemes for senior citizens in India are provided after the age of 60 years because 60 years is the age after which a person is considered to be a senior citizen.

Q7. Mention any one benefit of taking Government health schemes for senior citizens in India?

Ans. One benefit of taking Government health schemes for senior citizens in India is that government health insurance schemes make a person financially independent even after it’s retirement from its professional job and the same person will never have to look up to someone for their medical expenses. This is the most important benefit of taking government health insurance schemes.