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How to increase base cover or top up for senior citizen with heart disease

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11 Sep, 2022 by  Govil B


My father is 65 & he had a heart attack in 2014 (had an angioplasty) . He was having (& still has ) health insurance policy of HDFC ergo optima restore. Problem is that cover is only 3L (6L with No claim bonus). I'm aware of the fact that he is a senior citizen & a heart patient means no additional policy or port option or top up will be available to him very easily. Can you suggest any options which can still be helpful now?

P.S. He is fit and fine after 2014 & never claimed any insurance till now


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Dear Govil,

It's difficult to get more coverage.

Few options are available:

1. Try with HDFC ergo if they can make your base policy to 5 lakhs.

2. You can PORT with heart care product from standalone insurance company maximum coverage is 15 lakhs.

3. Try PSU insurers Oriental Insurance or national insurance or new India insurance.

Happy to help you out

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