Caring for Seniors: Importance of Separate Health Insurance Plans for Grandparents

The bonds between grandparents and grandchildren are a cornerstone of many families. Grandparents bring a wealth of love, experience, and, often, a helping hand with childcare. As you celebrate these enriching connections, prioritising their well-being becomes paramount. 

Thus, having a separate best health insurance for senior citizens emerges as a solution and a testament to your commitment to their health and happiness. But why should you have a separate plan for elders? This article will answer this question. It will discuss the top 9 reasons why you should have separate healthcare insurance for senior citizens.

9 Reasons Why You Should Buy a Separate Healthcare Insurance Plan for Grandparents

Some reasons why you should consider buying the best health insurance for senior citizens are as follows: 

1. Age-Related Health Risks

As you age, your bodies naturally undergo various changes and become more susceptible to health conditions. These can range from chronic diseases like heart disease, diabetes, and arthritis to acute conditions like fractures due to falls. 

A senior citizens health insurance considers these increased risks and provides coverage accordingly. This ensures that senior citizens can receive medical attention without worrying about the financial burden.

2. Rising Medical Costs

Healthcare costs have been steadily rising due to factors like inflation, advancements in medical technology, and increased demand for services. A health insurance senior citizen plan can help manage these costs by covering hospitalisation, medication, and doctor’s consultation fees. This can prevent financial strain and allow the individual to focus on recovery.

3. Coverage for Specific Diseases

Certain healthcare insurance plans for seniors also cover diseases that are more prevalent in older people. This includes diseases like heart disease, diabetes, and cancer. These plans provide coverage, such as the cost of treatment, medication, and ongoing care required for these conditions. This can provide significant financial relief, especially for seniors who live on pensions.

4. Coverage for Pre-existing Diseases

Many healthcare insurance plans offer coverage for pre-existing diseases after a certain waiting period. This benefits older people with chronic conditions, as they can get the necessary treatment without incurring high out-of-pocket expenses. However, it’s important to note that the terms and conditions for such coverage can vary between different insurance providers.

5. Tax Benefits

Under Section 80D of the Income Tax Act, premiums paid for the best senior citizen health insurance plan are tax deductible. This can reduce your taxable income and provide financial relief. Moreover, if you are a senior citizen aged 60 years and above, you can get a maximum tax deduction of ₹50,000 in a financial year. 

6. Coverage for Daycare Procedures

Daycare procedures are medical procedures or surgeries that can be completed within a day without hospitalisation. These can include minor surgeries, diagnostic procedures, or treatments like chemotherapy and dialysis. 

Healthcare insurance plans that cover daycare procedures can significantly reduce policyholders’ out-of-pocket expenses. This is particularly beneficial for older adults who may require frequent treatments or procedures as part of their healthcare routine.

7. Domiciliary Treatment

Domiciliary treatment refers to medical treatment provided at home, either because the patient cannot travel to a healthcare facility or because it is more convenient for the patient to receive treatment at home. 

This can include home visits from healthcare professionals, home-based therapies, or telemedicine consultations. Healthcare insurance plans that cover domiciliary treatment can provide significant cost savings and convenience for older adults, particularly those with mobility issues or chronic conditions that require ongoing care.

8. Health Check-up

Frequent medical examinations are essential for the early diagnosis and treatment of medical disorders. These check-ups can include routine physical examinations, blood tests, screenings for specific diseases, and other preventive healthcare services. 

Some healthcare insurance plans offer free or discounted health check-ups as part of their coverage. This encourages you to manage your health proactively and can lead to earlier diagnosis and treatment of potential health issues.

9. Alternative Treatment Coverage

Alternative treatments refer to non-conventional forms of healthcare, such as Ayurveda, Homeopathy, Naturopathy, and others. These treatments can offer a holistic approach to health and wellness and effectively complement conventional medicine. 

Some healthcare insurance policies provide coverage for alternative treatments, allowing you to choose the type of healthcare that aligns with their preferences and beliefs.


Having a separate best health insurance for senior citizens is not just a necessity but a responsibility. With the right coverage, you can ensure your grandparents have access to essential healthcare services, preventive screenings, and wellness programmes that support a healthier and more fulfilling life as they age.

Niva Bupa, the best health insurance company, is a reliable option in this regard. They provide various healthcare insurance policies with an extensive network of over 10,000 hospitals and offer cashless claim processing. Their digital solutions are designed to cater to your healthcare needs, and all claims are processed directly without any third-party involvement. So, don’t delay. Safeguard your grandparents’ health with Niva Bupa Health Insurance today.

Jason Holder

My name is Jason Holder and I am the owner of Mini School. I am 26 years old. I live in USA. I am currently completing my studies at Texas University. On this website of mine, you will always find value-based content.

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