Senior Citizen Health Insurance | Medical Insurance for Senior Citizens

As we grow older, our health needs and risks increase. Senior citizens above the age of 60 have higher chances of developing chronic illnesses that require frequent doctor visits, medical tests, and hospitalization. Having a dedicated senior citizen health insurance plan helps senior citizens get the care they need without worrying about high medical bills.

Why Seniors Need Health Insurance

With advancing age, the likelihood of requiring hospitalization and surgery increases. As per data, people over 60 have a 90% higher chance of getting admitted to hospitals compared to younger adults. Without senior citizen health insurance, the treatment costs can drain life savings built over decades. This is why you need to shop for senior health insurance plans.

A good medical insurance for senior citizens can ensure that they can access quality healthcare without any financial burden. Some policies also cover pre and post-hospitalization expenses as well as expenses for domiciliary treatments. Hence, a dedicated plan is essential once you cross 60.

Top Senior Citizen Health Insurance Providers

What company offers the best medical insurance for senior citizens. Here are the top companies that offer health insurance for seniors Dubai.

Max Bupa Health Insurance

Max Bupa offers tailored plans like Heartbeat and ReAssure just for seniors above 61 years. They provide coverage for chronic ailments, pre to post-hospitalization expenses, restoration benefits and more. The policies have minimal exclusions too.

Takaful Emarat

Takaful Emarat is one of the most reputed insurance providers that you can find in UAE. If you are looking for quality care at an affordable price, they are a good option to consider.

Specific Benefits of a Senior Citizen Health Insurance UAE

The best senior citizen health plans provide benefits like annual health check-ups and higher coverage. You can also get coverage for treatment of critical illnesses like heart attacks, cancer, and strokes. These benefits ensure seniors get adequate coverage and care access. When looking for Health Insurance for Seniors Dubai, make sure to focus on these specific factors.

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Best senior citizen health insurance companies in UAE:

There are many senior citizen health insurance service providers in the UAE that you can choose from -

Al Hilal Takaful / Yas Takaful
Salama Islamic Insurance
Takaful Emarat
Dar Takaful
Noor Takaful
Orient Unb Takaful
Aman Insurance
Abudhabi National Takaful
Adnic
Saico - Daman
Al Buhaira Insurance
Al Ittihad Al Watani
Al Sagr Insurance
Arab Orient

Ascana
Axa
Daman
Dubai Insurance
Emirates Insurance
Fujairah Insurance
National Life And General
Ngi
Oman Insurance
Qatar Insurance
Rak Insurance
Union Insurance
United Insurance
Dnirc

New India Assurance
Medgulf
Oriental Insurance
Arabia Insurance
Metlife
Expacare
Hanser Merkur
Aetna
Allianz
Bupa
Now Health
Morgan Price
Maxhealth
Cigna

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Why buy senior citizen health insurance in Dubai?

Senior citizens are prone to fall sick and have various health problems. If you have a couple of seniors at your home, it is advisable to get health insurance for them. Getting proper medical treatment or going to the hospital frequently can put a strain on your budget. Health insurance plans for senior citizens offer medical cover for individuals above 60 years of age. Here is a list of the unique benefits of health insurance for senior citizens.

Cashless hospitalization
A higher sum insured
Daycare expenses
Cover for diseases like heart attack, stroke
Cover for pre-existing conditions
Free-look period of 15 days
No medical test required
Yearly medical check-ups
Cover for pre-existing ailments
Lifelong renewal option

Things to remember before buying health insurance plans for senior citizens

It is advisable to consider the below when buying a health insurance plan for senior citizens:

Hospitalization benefits
Pre-existing medical conditions
Sum assured
Age
Waiting period
Co-payment clause

How to find the best senior citizen health insurance provider?

Here’s how you can compare and choose between senior citizen health insurance plans-

Explore the various plans available
Consider the medical history
Check the sum assured
Provide all the correct details
Compare and choose the best plan

Senior citizen health insurance inclusions

Depending on various factors, senior citizen health insurance plans may include:

Health check-ups
Pre and post-hospitalization expenses
Hospital room expenses
Medication expenses
Daycare procedures
Transportation charges
Vaccination and inoculations
Doctor's consultation
Ambulance Charges

Senior citizen health insurance exclusions

Depending on various factors, senior citizen health insurance plans may exclude:

Any non-allopathic treatment
Drug abuse
Dental Treatment
Cost of hearing or vision aids
Cosmetic surgery
Treatment for harm or injury caused by self
Treatment for illness contracted due to war

Senior citizen health insurance eligibility

Eligibility for buying a senior citizen health insurance plan may depend on the following:

Minimum age of 60 years with no upper limit.

There is no upper age limit in the eligibility criteria for senior citizens health insurance plans.

There may be a few insurance companies that set the age limit a little higher or lower as per their personal standards but the lower age limit is generally around the age group of 60-65 years.

You also need to be a UAE national or resident to opt for insurance plans in the UAE.

How to file a claim for health insurance for senior citizens?

You can file a claim in these 3 easy steps:

Register Your Claim:

You need to begin the process by reporting your claim. To file a claim, you can visit our website and fill out a claim form or call our helpline number 800 765 429.

Provide the Required Documents:

After reporting a claim, you will need to provide the required documents after which the claim will be submitted to the insurance company for approval.

Approval and Processing:

Once you're done with the formalities, you can relax and wait for the claim to be approved and processed.

How to renew health insurance policies for senior citizens?

Just follow an easy three step process to renew your health insurance policy for senior citizens -

Register for Renewal:Visit our website or dial our helpline number 800 765 429 to renew your policy. You may be asked to provide your previous policy details like the policy number, its expiry date, and so on.
Pay your Premium:Complete the payment for the renewal to get your insurance plan renewed.
Receive the Policy:After making the payment, your policy should renew, and you should receive a digital copy in your inbox.

FAQs

What is the cost of health insurance for senior citizens?

If the insured person is above the age of 60 years and has pre-existing conditions, the lowest premium amount for the policy ...

If the insured person is above the age of 60 years and has pre-existing conditions, the lowest premium amount for the policy would be around AED 4,500 with a yearly limit of AED 150,000. The cost can vary based on the insured person’s pre-existing medical conditions.

Can I get health insurance if I am over the age of 65 years?

Yes, individuals above 60 years of age are eligible for senior citizen health insurance policies in the UAE.

How do senior citizens’ health insurance plans work?

The senior citizen health insurance plans are designed for individuals who are 60 years old & above. Most of these plans come ...

The senior citizen health insurance plans are designed for individuals who are 60 years old & above. Most of these plans come with a discounted premium. The health insurance plan covers all medical bills for senior citizens.

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