Saturday, June 25, 2016

Health Insurance - A Perfect Gift for your Parents on their 60 th

health insurance for elders
Health is one of the major assets that need to be kept in regular check; especially when a person is at the age of 60 years. The risk of diseases and health related mishaps are very high at this age due to weakness in the body and slowness in every activity.

Senior citizens require more attention and care, which is why, health insurance policy, is vital to keep things secure in case their health turns severe and critical. Diseases such as Diabetes, TB, cancer, depression, heart attack, cardiovascular ailments and brain related diseases are common and lead to high medical expenses at such an age.

Importance of health insurance at the age of 60

Health insurance is a helping aid at the time of urgent need and emergencies that can occur at any odd hour. There are individual insurance policies that are provided by various private and government firms/companies for senior citizens.

If you want a health insurance policy for your aging parents, such plans and policies can be customized easily as per your budget and need.

These policies are necessary for countless reasons; out of which major ones are:

  • These cover all the medical and treatment expenses and do not eat up your entire savings.
  • There is absolutely no need to worry about cash or other payments as cashless policy allows you to focus on the treatment and health of your parents than on anything else.
  • Unforeseen expenses, which arise during treatment, can also be taken care quickly.
  •  These cover all the hospitalization charges within 24 hours of an emergency. You are required to fulfill all the documentation formalities to claim this cover. The hospitalization charges that include following things are covered entirely under such policies.
  1. Room or Bedding charges
  2. ICU or emergency
  3. Nursing or Doctor or surgeon’s fees
  4. Medicines and required treatment charges
  5. Future checkup and medical bills
  6. Private Ward charges
  7. Health Tests charges that are done on daily or routine basis
  • These health policies do support health consultation expenses as well, so that you are tension free during continuous doctor’s visit.
  • Pre-existing diseases are also covered under such health policies.
Medical conditions that parents can develop at the age of 60

Your parents need more attention after the age of 50 years as body changes with the time and growing age. The medical conditions that can arise are:
  • Bones and joints problems: The major diseases that are common in the elderly are:
  1. Osteoporosis
  2. Arthritis.
  • Eyes and Ears problems: Diseases that your aging parents might experience at this age are:
  1. Cataracts
  2. Glaucoma
  3. Retinal infections/disorders
  4. Presbyopia
  5. Myopia
  6. Hearing problems
  7. Tinnitus
  8. Presbycusis
  • Digestive Problems or gastrointestinal problems increase as digestion weakens in this age.
  • Urogenital Problems: The problems that occur are:
  1. Prostate Cancer
  2. Benign Prostatic Hypertrophy
  3. Incontinence or, loss of bladder control
  • Skin Related problems like dry skin, patchiness, and eczema are the complications that arise in this age.
Choose HDFC ERGO Policy that provides the best coverage for pre-existing diseases

HDFC ERGO Health Suraksha policy is an ideal health insurance policy for your parents at the age of 60 that provides mentioned key benefits:
  • You get cashless claim service at more than five thousand hospitals in the country.
  • There are absolutely no sub-limits on room/bedding charges, doctor’s fees, hospital charges and other daily medical expenses.
  • There is a special benefit called “AYUSH Benefit” that is purely a reimbursement of medical expenses under Homeopathy, Siddha, Ayurveda or Unani treatments.
  • You get a rebate under Income tax sec 80(D).
  • Daycare practices expenses are completely reimbursed in listed 144 centers.
  • Expenses that you bear for treatments that are taken at home are also covered.
  • Pre-hospitalization charges up to 60 days are covered in this.
You can avail HDFC ERGO health Suraksha policy online.