Thane is an important commercial hub in Maharashtra. Several industrial units in manufacturing, IT, and engineering are located in Thane. Thane’s dynamic business environment has paved the way for developing healthcare facilities in and around the city. Several clinics, medical centres, and super-speciality hospitals cater to the medical requirements of people in Thane. This article will explore the most reliable health insurance plans for seniors above sixty years in Thane.
Health Insurance in Thane
There can be no denying that Thane is expanding every passing day. More and more people are visiting Thane for employment opportunities. Falling critically ill in a city like Thane can result in expenses exceeding lakhs of rupees.
The cost of medical treatment is on an all time high that is one of the main reasons why buying health insurance in Thane makes sense. Consider buying at least a basic coverage of Rs. 10 lakhs to cover the healthcare needs of you and your family.
It is better to consider insuring a sum equal to your annual household income or at least an amount that equals fifty per cent of it. For example, a family with a household income of INR 25 lakhs in Thane should go in for at least INR 15 lakhs as the insured amount.
Cost of Health Insurance in Thane
Thane is located in proximity to Mumbai. Health insurance premiums in Thane are roughly 40-60% costlier for similar coverage than other similar cities in Maharashtra. Industry experts believe that Mumbai’s proximity significantly influences Thane’s insurance premiums. For example, an insurance policyholder who pays INR 9,000 as an annual premium for an INR 10 lakh health insurance policy in tier 2 cities of Maharashtra would be required to shell out something between INR 1,200 and 15,000 in Thane.
Health Insurance for Senior Citizens (Above 60 Years)
Ageing can make you prone to injuries, illnesses, and deteriorating health. You might require constant medical care for your parents at this age. With the rising cost of healthcare in India, medical expenses can drain you financially. A comprehensive health insurance for senior citizens above 60 years is a must.
How Much Cover to Get?
Health starts deteriorating for people sixty years and older. Now is the time to care for your parents and support them in every possible way. However, you need not burn a hole in your pocket every time your parents require medical treatment. You can take the support of a health insurance policy and get your family covered with the maximum possible insured amount.
Reliable Health Insurance for Senior Citizens in Thane
ACKO is a great health insurance policy choice for senior citizens aged 60 years and above. Top insurers such as ACKO can offer tailor-made insurance policies for senior citizens that can meet your budget and requirements. Some key plans that you could consider are:
1. Standard Healthcare Plan
A standard plan covers all your medical bills. The zero co-payment option ensures you do not shell anything from your pocket. The sum insured in these plans is usually INR 10 lakhs.
2. Platinum Healthcare Plan
A platinum plan, the coverage of INR 1 crore and Unlimited, is your pass for cashless hospitalisations across major cities such as Thane. It comes with zero charges on non-medical expenses such as hospital room rent and doctor consultations.
Top insurers also offer top-up plans on your existing healthcare plans. Check with your insurer before you make the final decision.
Conclusion
Rising healthcare costs ring an alarm bell for most Indians. Thane is no exception. This article shows how you should get an insurance plan if your parents are 60 or older. We’ve also seen the different types of plans you could consider.
