Best Health Insurance Policies You Can Gift Your Mother On This Mother’s Day

MOTHER'S Day 2023: Personal health insurance is like a financial umbrella for the insured person, and this time, it's your mother. On this Mother’s Day, you can consider gifting your mother a health insurance policy. Each year Mother’s Day is celebrated on May 14, to appreciate their efforts, tell them what they mean to us and to be around them. Our mothers are our first friends, teachers, guides, doctors, confidantes and whatnot. They are the ones who always support us through thick and thin. So on this Mother’s Day, we have brought you five health insurance policies which you can gift your mom on this special day.

Health insurance is important for everyone. Adequate health insurance coverage can sometimes make a big difference between life and death. A cover of Rs 10 lakh for a person in her fifties and in normal health will cost roughly Rs 15,000-20,000 a year.

1. Activ Assure Classic Health Insurance Plan for Senior Citizen (Aditya Birla Health Insurance)

A senior citizen insurance plan that supports your loved ones at every stage: when they are healthy, hospitalized, and recovering. From nursing at home to AYUSH cover to a dedicated, personal health coach, this plan offers the comprehensive care they deserve in their golden years. The Premium for this plan starts at Rs. 28,373 /annum. The insurance plan you 21% of your premium as HealthReturns™ which can be used to pay for renewal premiums, medicine or diagnostic tests.

2. Care Health Insurance Senior Citizen Policy (Care Health Insurance): 

61 years/Lifelong

Sum Assured Amount - Rs 3 lakh – Rs. 10 lakh

Cashless Hospitala- 19,000+

This health insurance cover gives you the option to opt for or waive off a 20% co-payment on claims. Other benefits include wider coverage for daycare and modern treatments and Guaranteed lifelong renewability of policies.

A medical cover acts as a boon for a senior citizen to receive quality healthcare services and treatment without exhausting one's savings. 

3. Star Health Senior Citizens Red Carpet (60 years/75 years)

Sum Assured Amount - Rs. 1 lakh-25 lakh

Cashless Hospitala- 12,000

Some of the advantages of this health insurance plan include only one year waiting period for pre-existing diseases, no pre-health screening is required and Guaranteed lifelong renewals.

4. Bajaj Allianz Health Insurance For Senior Citizens – Silver Health Plan (46 years/70 years)

Sum Assured Amount - Rs. 50,000 – Rs. 50 lakh

Cashless Hospitala- 8,000+

The Bajaj Allianz Health Insurance for Senior Citizens – Silver Health Plan is specially designed for elderly people who can buy this plan even if they are 70 years old. With a high entry age, this plan also provides free health check-ups, covers daycare treatments, cumulative bonuses, ambulance cover, in-patient hospitalization expenses, and many more.

The policyholder has been given the option to waive off co-payment clauses. There is also a family discount of 5% for each member of your family covered under this policy. One benefit of this health insurance plan is only one year waiting period for pre-existing diseases.

5. HDFC ERGO- My Health Suraksha

Minimum/Maximum Entry Age - Any Entry Age

Sum Assured Amount - Rs. 3 lakh- Rs. 75 lakh

Cashless Hospitals -13,000+

The HDFC ERGO- My Health Suraksha is available in three different variants - silver smart, gold smart and platinum smart plans. It offers the option of multiple sum insured amounts ranging from Rs.3 lakh to Rs. 75 lakhs. This plan offers coverage option for individual, family and senior citizens. This policy becomes apt for senior citizens as it has no restriction on the entry age. Similarly, it provides several benefits such as road and air ambulance coverage, AYUSH coverage, restoration of the sum insured amount, free annual health policy check-ups and great fitness discounts of up to 10% on the premium.

Some of the advantages of this health insurance plan include the flexibility to choose room rent capping and co-pay to avail attractive premium rates, multiple sum insured options, and no restriction on entry age.