5 Government Insurance Policies For Senior Citizens To Consider

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National Varishtha Mediclaim Policy 

It is available for people aged 60-80. The policy can be renewed annually till the subscriber reaches 90. The policy covers eight specific critical illnesses like cancer, multiple sclerosis, heart stroke, etc.


Varishtha Mediclaim

Pradhan Mantri Jan Arogya Yojana (PMJAY)

PMJAY or Ayushman Bharat Yojana provides healthcare to senior citizens, women, and children below the poverty line (BPL) category nationwide. It includes a cover of up to Rs 5 lakh per family for secondary and tertiary care. 


Health of Privileged Elders (HOPE)

A government scheme extended to people above 60. It provides insurance of Rs 1 lakh to Rs 5 lakh for specified diseases

Health Insurance

United India Healthcare Insurance

This scheme is offered by the government-owned United India Insurance Company. Those aged 61-80 can apply for the policy. It provides insurance coverage from Rs 1-3 lakhs.

Healthcare Insurance

New India Assurance Mediclaim Policy 

This scheme covers people over 60 and provides a 10 per cent family discount if the spouse is also covered. It gives Rs 1 lakh to Rs 1.5 lakh for hospitalisation if required but limited to only government hospitals.

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