Health Insurance Options for People Above 80

In India, health insurance for older people has become significant due to rising medical costs. A health insurance plan for people over 80 years is essential to cover the medical expenses for hospitalisation or planned treatments such as surgeries and daycare.

This guide helps you understand the health insurance options available to people aged 80 and older, including what is covered and what is excluded under the policy. Keep reading to know more!

What are the Types of Health Insurance For People Over 80?

For policyholders aged 80 and above, choosing the right health insurance plan is beneficial for receiving high-quality treatment without any upfront cost.

The health insurance options include:

1. Senior Citizen Health Insurance

This plan provides exclusive coverage for various illnesses for individuals aged 60 and above. Here, older individuals get the necessary medical care without affecting other family members' savings.

2. Family Floater Health Insurance

Family floater plans cover both parents under a single health insurance policy with a shared assured sum. In this case, the yearly premiums are much higher than usual. However, the assured sum may quickly be exhausted if both parents are hospitalised.

3. Super Top-up Health Insurance

Super top-up plans are an affordable way to increase the assured sum for older individuals. It adds extra coverage to your existing health insurance and helps pay medical costs once your base policy limit is exhausted, at a lower premium.

What is Included in Health Insurance For People Above 80?

The health insurance policy for people above 80 covers the following:

• Hospitalisation charges, including room rent, intensive care unit (ICU) and high-dependency unit (HDU) charges, diagnostic fees, doctor consultations, etc.


• Pre- and post-hospitalisation changes, such as doctor consultations and medication bills (up to a specified period), and pathological and radiological examinations.


• Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homoeopathy (AYUSH) treatments.


• Mental health disorder treatments.


• Preventive health check-ups.


• Hospitalisation and pre/post hospitalisation expenses for organ donation.


• Internal congenital diseases.


• Daycare treatments such as Dialysis, Chemotherapy, etc.


• Ambulance charges for pre/post hospitalisation.


• Hospitalisation due to a pandemic like COVID-19.

What is Excluded in Health Insurance For People Above 80?

The factors which are excluded from health insurance for senior citizens are as follows:

• Medical treatments availed outside the policy’s specified geographical coverage, including procedures undertaken overseas.


• Injuries or illnesses suffered due to nuclear activity/situation, such as war or war-like circumstances.


• Hospitalisation is taken solely for rehabilitation, rest, or diagnostic investigations.


• Expenses incurred from gender reassignment procedures, cosmetic treatments, or plastic surgeries.


• Treatments arising from any breach of law.


• Infertility and sterility.


• Refractive law.


• Claims due to unproven treatment.

As people age, individuals over 80 need extra attention for their health. Therefore, it is safer for older people to opt for a comprehensive health insurance plan to minimise their worries during hospitalisation or other emergency medical events.