A common myth in India is that once you cross 55 years, getting health insurance is either impossible or too expensive to be worth it. The truth? While it’s true that premiums are higher and medical scrutiny is stricter, there are still plenty of good options for those in their late 50s, 60s, and even 70s.
In 2025, insurers are offering more senior-friendly plans with lifelong renewability, making it easier to get and keep coverage — provided you choose wisely.
What Changes After Age 55?
| Factor | Impact |
|---|---|
| Premium | Significantly higher — may be 2–3x that of a 35-year-old. |
| Medical Check-up | Almost always mandatory before policy issuance. |
| Coverage Limits | Some plans cap sum insured at ₹10–25 lakh. |
| Waiting Periods | Pre-existing diseases may have 2–4 year waiting periods. |
| Co-Payment | Many senior plans have mandatory 10–50% co-payment on claims. |
Best Options in 2025
- Star Health Senior Citizens Red Carpet Policy – Covers up to ₹25 lakh, lifetime renewal, minimal medical screening for some age groups.
- HDFC Ergo My:Health Suraksha – Silver Smart – Flexible co-pay options, good hospital network.
- Care Health Senior Plan – Covers up to ₹10 lakh, includes pre and post-hospitalization.
- National Insurance Varishta Mediclaim – Affordable, with government backing, but higher co-pay.
Tips to Get Approved
- Apply Early: Don’t wait until you’re unwell; apply while you’re relatively healthy.
- Complete Medical Tests Honestly: Concealing health issues can lead to claim rejection.
- Opt for Co-Pay to Lower Premium: A 20–30% co-pay can make premiums more affordable.
- Consider Top-Up Plans: If base premium is high, take a lower base cover + top-up policy.
Case Example
Mr. Sharma, 58, applied for a ₹20 lakh cover with a 20% co-pay. His premium was ₹42,000/year. When he needed knee replacement surgery costing ₹4 lakh, his out-of-pocket was ₹80,000 (due to co-pay), but the policy still saved him ₹3.2 lakh.
Why It Matters
Buying health insurance after 55 is possible — and essential. Medical bills in your 60s and 70s can run into lakhs. With the right plan, you can protect your savings and ensure access to quality care.
Your age shouldn’t stop you from getting health cover — it should motivate you. Share this eBharat.com guide so more people over 55 secure their health today.
Internal Links:
- What to Check Before Buying Family Floater Health Insurance
- Ayushman Bharat vs Private Mediclaim – What’s Covered?
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