Tips to Buy The Perfect Mediclaim Policy For Senior Citizens

There are a few check points you need to remember before you buy them a medical policy:

a. Age- The best plans are the ones that allow entry at any age. Some plans cover till 60, some allow at 80, but the ideal plan to take is the one that allows entry at any age. 

b. Sum insured- With age, there are more medical issues. Senior citizens need more insurance. Consider the right face value - higher the face value, higher the final coverage provided.

c. Coverage- Take an insurance policy that covers maximum illnesses. Critical illness and hereditary illnesses both must be covered. The best plan is that which allows cover with minimum exceptions.

d. Broad hospital network- Take an insurance policy that has a wide network of hospitals attached to it. In case of travelling, or emergency, you want to visit the nearest hospital to you. Ensure maximum hospitals are covered under your policy.

e. Premium- Insurance companies charge higher premium because senior citizens are more at risk. Choose wisely by comparing the various senior citizens insurance policies that different insurance companies offer at varying premium rates.

HDFC LIFE offers a variety of plans for senior citizens as per their requirement and health. Choose your plan and secure your financial future.