Senior Citizen Health Insurance

Digit Health Insurance covers Accidental, Illness & COVID-19 Hospitalization
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What is Senior Citizen Health Insurance?

A Health Insurance for Senior Citizens is a type of health insurance policy customized for people over 60 years old.  This health insurance for senior citizens is designed to suit the needs of elderly people and financially covers for medical expenses such as Critical Illnesses and Accidental Hospitalization, Annual Health Checkups, Daycare Procedures, Organ Donation Expenses, et al while it also includes special benefits such as Home Hospitalization, Psychiatric Support, and Alternate AYUSH treatments.

You know what they say, life always comes back a full circle. 

Sometimes it’s hard to believe that the people who once cared and protected us through it all now need us to protect them. To be there for them. Through thick and thin. Especially when it comes to keeping them in the pinkest of their health. After all, it’s now one of the primary things they think about and often worry over. After their grandchildren, of course! 😉

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Why should you get a Senior Citizen Health Insurance for your Parents?

Medicine Costs
Healthcare expenditures are 3.8 times higher for elderly parents!
Prevalence of heart diseases
Prevalence of heart diseases amongst senior citizens in India is much higher in urban areas.
suffer from depression
More than 50% of Senior Citizens in India suffer from depression.

What's great about Health Insurance for Senior Citizens by Digit

  • Easy Online Access - From the process of buying a health insurance to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims!
  • Additional Sum Insured - Specifically, for Accidental Hospitalizations and Critical Illnesses, at zero cost!  
  • Covers Pandemics - We know people are scared of Coronavirus which is why we cover it!
  • No Age Based Copayment - Our plans come with no age based Copayment. This means, during your claims- you need not pay anything from your pocket. 
  • No Room Rent Restriction - Everyone has different preferences and we understand that. That’s why, we have no room rent restrictions. Choose any hospital room for your parents. 
  • 2X Sum Insured - If your parent’s treatment exhausts your sum insured and unfortunately you need it again during the year for a different illness, we refill it for you. 
  • Cumulative Bonus - A reward for when they’re doing well! Get Yearly Cumulative Bonus.
  • Get Treated at any Hospital - Choose from 6400+ of our network hospitals in India for cashless claims or opt for a reimbursement. 

What is Covered in Senior Citizen Health Insurance by Digit?

Accidental Hospitalization

Accidental Hospitalization

This covers for all hospitalization related expenses in case of an unfortunate accident.

Illness Related Hospitalization

Illness Related Hospitalization

Some illnesses require hospitalization. This covers for all hospitalization expenses arising out of the same.

Pre & Post Hospitalization Expenses

Pre & Post Hospitalization Expenses

In an unfortunate case wherein, a senior citizen needs to be hospitalized, this benefit will cover for all its pre and post hospitalization expenses.

Domiciliary Care

Domiciliary Care

In case a senior citizen wishes (and if its possible) to have his/her treatment at home, this benefit covers for the expenses of the same.

Critical Illness Benefit

Critical Illness Benefit

Covers expenses for critical illnesses such as all types of Cancer, Kidney Failure, Heart Attacks and Paralysis amongst other critical illnesses.

Daily Hospital Cash Cover

Daily Hospital Cash Cover

God forbid, if one of your senior parents are hospitalized, this benefit covers for expenses that arise while they’re hospitalized, such as cost of daily meals, snacks, etc.

Psychiatric Benefit

Psychiatric Benefit

More than 50% of elderly people in India suffer from depression. Luckily, our health insurance for senior citizens covers medical expenses related to any hospitalizations caused due to trauma and other psychiatric illnesses.

Other Benefits

Other Benefits

We understand that the times are changing. That’s why our health insurance for senior citizens also includes benefits such as AYUSH treatments, Organ Donation, Bariatric Surgery, etc to ensure wholesome medical benefits for your parents.

Additional Covers with Senior Citizen Health Insurance

Zone Upgrade

We’ve divided our plans based on different city zones. This is because every city has its different medical costs. In case you think your parents will need treatments or hospitalization in a city with higher medical costs than theirs, you can opt for an upgrade. 

AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy)

For those who would like to opt for alternate treatments. This add-on covers for expenses arising out of any AYUSH treatments. 

What’s not Covered?

Pre-existing diseases

In case of a pre-existing disease, unless the waiting period is over, the claim for that disease or illness cannot be made.

Hospitalization without doctor’s recommendation

Any condition a senior citizen gets hospitalized for, that doesn’t match with the doctor’s prescription can’t be covered.

How to file a Claim?

  • Reimbursement Claims - Let us know in case of a hospitalization within two days of admission at 1800-258-4242 or email us at and we'll send you a link where you can upload your hospital bills and all relevant documents to process the reimbursement. 
  • Cashless Claims - Choose the network hospital. You can find the complete list of network hospitals here. Display e-health card to the hospital helpdesk and ask for the cashless request form. If all is good, your claim will be processed then and there.
  • If you have claimed for Coronavirus, make sure you have a positive test report from an authorized centre of ICMR – National Institute of Virology, Pune.

Key Benefits of Health Insurance for Senior Citizens by Digit


No Age Based Copayment

Cashless Hospitals

6400+ Cashless Hospitals All Over India

Domiciliary Care

Home Hospitalization Available

Room Rent Capping

No Room Rent Capping. Choose any room you like.

Alternate Treatments

AYUSH benefit available

Why a Health Insurance for Senior Citizens is so important?

Protect your Savings

Protect your Savings

The older people get, the more they are prone to illnesses and medical emergencies both big and small. A health insurance for senior citizens helps one cover for expenses that could arise due to the same.

Domiciliary Care

Domiciliary Care

Senior citizens often require hospitalization or treatments at home. Depending on their health condition, a health insurance for senior citizens can cover for the same.

Enhance Mental Wellbeing

Enhance Mental Wellbeing

Our health insurance for senior citizens also includes psychiatric care, ensuring not only physical but mental wellbeing too.

Save on Tax!

Save on Tax too!

The icing on the cake! Anyone who purchases a health insurance for oneself and their senior parents, will be benefited with a tax redemption as per Section 80D of the Income Tax Act.

Cashless Treatments

Cashless Treatments Available

In every health insurance, you have two ways to make a claim; one of which is by availing cashless treatments at any of our network hospitals, ensuring both financial security and consequently your peace of mind.

Higher Sum Insured

Higher Sum Insured

One of the benefits of a health insurance for senior citizens is the higher sum insured because of the risks and needs associated to their health.

Know more about Health Insurance for Senior Citizens

FAQs about Health Insurance for Senior Citizens