Senior Citizen Insurance is a health insurance plan tailored for individuals aged 60 years and above, addressing the unique healthcare needs of the elderly. As medical expenses tend to increase with age, this insurance provides financial protection for hospitalization, surgeries, and treatments related to age-related ailments such as cardiovascular diseases, arthritis, and chronic conditions like diabetes. Coverage often includes hospitalization, ambulance services, and pre- and post-hospitalization expenses. Many plans also offer cashless treatment options through a network of hospitals, ensuring ease and convenience during medical emergencies.

One of the key features of Senior Citizen Insurance is coverage for pre-existing conditions, although this usually comes with a waiting period. Some plans may also include additional benefits like annual health check-ups, coverage for critical illnesses, and higher sum insured options to account for rising medical costs. However, premiums tend to be higher compared to standard health insurance policies due to the increased risk associated with age. Despite this, these policies provide crucial financial security, helping senior citizens and their families manage the often high costs of medical care in later life.