Last Updated on December 4, 2022 by Umer Malik
Covid changed the way the world functions. Though we have seen tremendous improvement in the medical field, Covid sprung surprisingly for which most of the medical fraternity was not prepared. There was nothing known about the virus and its treatment and it has affected so many people with new variants coming, we are not sure if we are seeing the end anytime soon.
During all the waves of Covid so far, the worst-hit mostly has been the elderly and with all the medical conditions this age group faces, medical attention is very important. And this means that medical insurance for senior citizens is a must-have during Covid times.
Health insurance for senior citizens is anyways very essential due to their vulnerability to falling sick and because of the sky-high costs of medical treatments. But the need has increased multi-fold in Covid times.
Why Is Medical Insurance for Senior Citizens Important in Covid?
The Coronavirus though has affected all age groups, the worst hit are the elderly. This part of the population usually has co-morbidities and medical conditions which affect their overall health, especially the respiratory system. As the Coronavirus affects the respiratory system, the fatality rate in this age bracket has been high as well.
When a senior citizen is tested positive, immediate medical attention is mandatory. The doctors have to monitor various parameters and thus, to ensure things do not go out of hand, many times hospitalization is also necessary.
As there is no certainty in the treatment and due to isolation and other issues that come with Covid, the stress for the family just increases when they have to bear the hospital costs. To ensure there is no financial stress, medical insurance for senior citizens is important in these times.
Some of the reasons why medical insurance for senior citizens is important in Covid times are:
Co-morbidities
As we grow older, there is a deterioration in the body and this has its implications. During Covid, it has been proved that people with existing medical conditions were worse affected and the fatality rate in these patients was high too. Thus, timely check-ups to ensure diagnosis and appropriate treatment are a must. With medical insurance for senior citizens, there are annual health check-ups that take care of the expenses of these treatments and thus, the focus can be on health.
High Covid Positivity Rate
If you look at the numbers of covid affected people all over the world, you will realize that the senior citizens were the most affected. The main reason is the underlying medical conditions and thus, lower immunities. As this age group is more prone to infections, medical insurance for senior citizens is a must to ensure there is no financial burden in case of hospitalization and need of treatment.
Rising Medical Costs
Getting good medical treatment from a good hospital is something that a lot of people can’t afford due to very high inflation rate in the medical field. Forgoing treatment because of the expenses is unfair and that also at the stage in life where you deserve the best. In such times, medical insurance becomes a boon because the policy takes care of the medical treatment without burning a hole in the pocket. A policy with adequate and comprehensive insurance is a must-have for all age groups but more for senior citizens.
Availability of options
Though, it is always recommended to buy health insurance at a young age because as a rule, the premium gets higher with age. But it is quite possible that seniors were not aware and do not have health insurance. During Covid, everyone has realized the need for medical insurance for senior citizens and thus, most insurance companies have plans exclusively designed for them. These have clauses like co-payment or waiting periods and sub-limits but there are some with higher premiums and better coverage.
Advantages of Medical Insurance for Senior Citizens
There are many benefits of having medical insurance as the policy offers benefits of alternate treatment covered in AYUSH. These policies cover pre and post-hospitalization expenses and also provide health check-ups. With all the benefits and many more, the treatment aspect is taken care of and there is no unnecessary financial stress.
To know more about medical insurance for senior citizens, click on the link below:
Compare & Buy the best senior citizen health insurance in India. Live a healthy & peaceful life In your sunset years
Conclusion
Covid has taught us to be ready for the unexpected and nothing is more important in life than your health and the health of your loved ones. Falling sick is not entirely under our control, but we can plan well and ensure that the best treatment is available, especially for our elders. Thus, medical insurance for senior citizens is a must-have and more so in covid times to make sure there is no financial burden on anyone and there is no c0ntrol
