Senior citizen health insurance

A senior citizen health insurance policy has various exclusions and differs from insurer to insurer however a few generic exclusions are mentioned below:

Self-inflicted injuries

Treatment of AIDS

Cosmetic surgery

Dental treatments

Any non-allopathic treatment

Any pre-existing injuries/diseases

Expenses as a result of drug abuse
Cost of spectacles/lenses and dental treatment (except arising out of accident)

Injury due to war, the act of foreign army etc.

I’ve been following this thread because I went through a similar situation while looking for health insurance for my parents. Senior citizen policies look straightforward on paper, but the real challenge is understanding what actually works at claim time — co-pay, room rent limits, disease-wise caps, waiting periods, etc. That’s where most people get stuck.

What helped me was first accepting that premiums are higher for seniors for a reason, and the cheapest plan is rarely the safest. I personally used BimaScore and Bima Analyze out of curiosity. I liked that I didn’t have to upload documents — just basic inputs — and it showed a clarity score (400–1000) based on real-world factors, not just brochure promises. It helped me spot weak areas in policies I was earlier considering.

Not a magic solution, but it definitely gave me better confidence before deciding. If it helps, you can check it here: https://bimascore.com/a8lmv6