Mr. Jatin Trehan had recently retired. When
out on a morning walk one day, he was hit by a scooter and fell on the road.
The passersby rushed him to a nearby hospital where it was found that Mr.
Trehan had fractured his ankle. With age not on his side, he was forced to go
in for a surgery to fix his ankle. The real bolt came however when Mr. Trehan
discovered he had no health insurance cover and had to pay the entire medical
bill out of his own pocket. The helpless senior citizen had no option but to withdraw
a large chunk of his life’s savings to clear the hospital bills.
Group
insurance plans and retirement
A lot of people like Mr. Trehan are left
uninsured overnight when they retire. The group health coverage ends as soon as
the employee retires. While this is a given fact, many people don't realise the
gravity of the situation. It is therefore very important for every senior civilian
to have an individual health plan as well. So if a situation similar to Mr. Trehan’s
takes place, you can be secured.
Health
insurance for senior citizens
While it is a good idea for you to buy
health insurance earlier in life, you can still opt for a senior citizen health
plan after you enter the golden sixtieth decade of your life. Some of the best health insurance providers of the country, like Star Health Insurance, offer
some wonderful products that cater to your exact requirements. You can buy high
coverage policies and stay protected against a number of illnesses.
Features
and benefits of senior citizen health coverage with Star Health Insurance
Let us first take a look at the features of
the highly acclaimed Star Senior Citizens Red Carpet Health plan:
·
This policy can be bought by anyone
in the age group of 60 and 74 years.
·
You won't have to go for any
medical screening tests before you buy the policy. This saves you a lot of time
and energy.
·
A whole lot of pre-existing
illnesses are covered under this plan. There is, however, a waiting period of 2
years before the pre-conceived illness coverage begins.
·
You can renew the policy after
the age of 75 years.
·
OPD expenses are covered under
this plan.
·
You can opt for a very high sum
assured of up to Rs 10 lakhs. This is beneficial as with your age rising, the
risk of contracting bigger health problems also rise.
And here are some of the amazing benefits
of the Star Senior Citizens Red Carpet Health Insurance:
1.
Pre hospitalisation,
hospitalisation and post hospitalisation costs are covered under this plan.
2.
You can get a claim for the ICU
expenses (up to 2% of the sum insured).
3.
You can also opt for certain
diagnostic tests under this plan.
4.
Day care expenses are also
covered.
5.
If you need to call an
ambulance at the time of an emergency, you can reimburse the ambulance charges
up to Rs 600 per hospitalisation.
Family
floater plan options for senior citizens
There are other options for you as a senior
civilian as well if you want to get a health plan. First and foremost, if your
child is buying a health plan for the whole family, you can become a part of it
as well, but most of these plans have a maximum entry age of 60 years. These
plans are good for those people who promptly like to make a transformation from
the group health plans to the individual plans immediately after they retire. You
can get enrolled in such a plan a few years earlier as well and continue to
stay protected for a long time after you retire. Star Health Insurance has some
wonderful family health plans for you to consider.
The
bottom line
The important thing to remember here is
that you need health insurance coverage, more so if you are a senior resident.
Your retirement days are wonderful and you must be able to relax and make the
most of it, without having to worry about your health and finances. So buy a
good senior citizen health plan from Star Health and stay protected against a
long list of illnesses. The policy will take care of your medical requirements
and you can live your life to the fullest.
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