Top-Up Policy for above 65 Years?

15 Jun, 2021 | by mehul

Hi ,

Can You Suggest Top-Up Policy for Age Above 65 Years.?

Existing Policy is of 3lacs , which company would be better and provides without Medical Test.

Health Insurance

2 Answer

Post

16 Jun, 2021

Shailesh Kumar

CEO, Insurance Samadhan

Dear Mehul

All Health Insurers offer Top up plans for senior citizens .

Some insurer like HDFC Ergo , Aditya Birla , Star , Care have special package for senior citizen .

But all demand medical and I also recommend medical to safe guard your interest in future .

Hope this suffice .

1 Comments

16 Jun, 2021

mehul

Hello Sir,

I have applied in HDFC Ergo but they denied for Super Topup Policy. Even I have applied for Star Health they also don't Provide at this age.
Age is 69
Can you suggest Any other Company which has Super Topup Policy at the Age of 69 and existing policy is of 3lacs only.

26 Jun, 2021

Sathish K V

Chartered Accountant, Personal Finance Advisor

Dear Mehul,

I would recommend going for Senior First from Max Bupa with Sum Assured Rs. 15 Lakhs deductible of Rs. 3 Lakhs . It is not a super top up plan but a plan specifically designed for persons over 61years.

There's waiting period for Pre existing diseases, but no medical tests.

Don't forget to disclose the medical history.

Stay Safe

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