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Health Insurance for Senior Citizens

Do you want to be the first ones to know about our health insurance launch, mail us at

Senior Citizens and Health in India

spends 3.8 times more
The recent NSSO data shows that an Indian household with elderly parents spends 3.8 times more per month on healthcare!
Prevalence of heart diseases
Prevalence of heart diseases amongst senior citizens in India is much higher in urban areas than rural.
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 - As one of the few online insurance companies in India, Digit gives you access to buying and accessing a health insurance for your parents online, with the option to customize their plan as needed!
  • Domiciliary Care - Elderly people don’t necessarily like to leave the comfort and warmth of their homes and that’s why, our health insurance for senior citizens gives you the option of domiciliary care so that whenever possible, treatments can be done at one’s home 
  • Cares about Mental Health - More than 50% of elderly people suffer through depression alone in India. Unlike other health insurances, we've included psychiatric support too as part of all our plans!
  • Refill Sum Insured - With our health insurance, you not only get a large sum insured for seniors but also have the option to refill the sum insured when exhausted before the end of the policy year.
  • AYUSH Cover - Health requirements differ for everyone, especially so for our parents. That’s why we give you the option to opt for our AYUSH add-on to cover for expenses arising out of alternative treatments such as Ayurveda, Unani, Siddha and Homeopathy. 
  • Complimentary Health Check-Ups - Benefit from our complimentary annual health check-ups so that no matter what, you’re always aware of your parent’s health and well-being and can in fact even prevent certain health conditions by diagnosing it at the right time.

What is Covered in Senior Citizen Health Insurance by Digit?

Accidental Hospitalization

Accidental Hospitalization

  • Covers costs such as ambulance costs, day-care procedures, pre-hospitalization and post-hospitalization expenses including ICU, Medication, OT, Physician fees, Diagnostics, etc.
Illness Related Hospitalization

Illness Related Hospitalization

  • Covers senior citizens for all medical expenses that arise due to illness related hospitalizations.
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 expenses.
Domiciliary Care

Domiciliary Care

  • In case a senior citizen wishes (and if it's possible) to have his/her treatment at home, this benefit covers for the expenses of the same.
Critical Illness Cover

Critical Illness Cover

  • 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 psychiatric support and care as well.
Other Benefits

Other Benefits

  • We understand that many senior parents would like to get treated through alternative healthcare like Ayurveda, Unani, Siddha and Homeopathy and if opted for, they will be covered!

Add-ons with Senior Citizens 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.

Policy lapses after use of Critical Illness Cover

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

What makes Health Insurance so Important for Senior Citizens?

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 covers for the same.
Enhance Mental Wellbeing

Enhance Mental Wellbeing

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Save on Tax!

Save on Tax!

  • The icing on the cake! Anyone who purchases a health insurance for oneself and their senior parents, will be benefited with a tax redemption of up to Rs 50,000 as per Section 80D of the Income Tax Act.
Cashless Treatments

Cashless Treatments

  • In every health insurance, you have two ways to make a claim; one of which is by availing cashless treatments. This not only gives you some peace of mind and security but makes the process of claims a lot easier!
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