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Date : Mar 13, 2009

Question

Is health coverage available for 50 years of age and above? If yes, which is the most economical of all policies available and what would the premium of the same be?

Answer

You can either go in for individual policies for yourself and your family members or go in for a family floater. Incidentally the cheapest policy is not necessarily the best for you. The other factors to consider (apart from the premium) are: 1) Is if any of the proposed insuree's have or are susceptible to any disease in the near future. For example there may be a cheap mediclaim policy that may not cover any expenditure arising from a pre-existing disease at all. 2) There could be co-pay requirements where you need to bear a part of the hospitalisation expenditure. Nothing wrong with such a requirement except that you should be aware of it and compare policies accordingly. 3) There could be sub limits for specific expenditure such as room rent, doctors' fees, etc. Also there could be limits for things such as angioplasties, etc. 4) Some policies are not renewable after you reach a certain age. This may be relevant consideration for those who are older. To make it simpler we would suggest you to visit our health insurance comparator on our website.

 

 

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