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India · Senior health · Cost

What Does Health Insurance for a Senior Citizen Actually Cost in India?

By Best Worst Insurance Editorial TeamUpdated 18 August 2026

Every senior-health comparison table in India puts the premiums side by side and lets you pick the small number. That comparison is meaningless, because the premiums are not for the same thing. Niva Bupa's Senior First starts you at a 50% co-payment — you pay half of every admissible claim — and ICICI Lombard's Golden Shield does exactly the same [1]. Tata AIG's Elder Care rate already has a 20% co-payment baked into it [2,3]. Put those three on one line and the cheapest headline belongs to the plan that pays the least. Match them at the same 20% co-payment, ₹10 lakh of cover, age 61–65, metro zone, and the order reverses: ICICI Lombard ₹34,409, Tata AIG ₹35,000, Niva Bupa ₹36,930 [4][2][5]. Below: that comparison in full, every age-banded rate we could read out of a filed prospectus or rate chart, and the reason one insurer's published chart is still adding 18% GST to a product that has been exempt since 22 September 2025 [6,4].

The same cover, matched at 20% co-payment: ₹10 lakh, age 61–65, metro zone, annual, before tax

Compare the headline rates instead and Niva Bupa looks about a third cheaper than Tata AIG. That comparison prices a policy that pays half your claim against one that pays 80% of it.

ProductAnnual premium at 20% co-paymentHow you get to 20%
ICICI Lombard Golden Shield₹34,409 [4]The published chart prices all four co-payment levels directly, so no arithmetic is needed. The default is 50% [1,30]; moving off it costs 49.1% for this cell [4], a 49.8% mean across the grid [4], and can be done at any renewal [1]
Tata AIG Elder Care₹35,000 [2]You do not — 20% is mandatory on every claim and the published rate already carries it [2,3]. It is the only one of the three whose headline number is the honest one
Niva Bupa Senior First Platinum₹36,930 (computed) [5]The chart's ₹23,749 [5] is the 50%-co-payment rate; reaching 20% is a 55.5% loading [5], and the choice is locked at first inception and can never be changed [5,10]
The rank you get from headline ratesReverses — the two plans that default to a 50% co-payment come out on topIt ranks by how little each insurer has agreed to pay, not by what the cover costs

1. The premium is not the price

Every senior-health page in India prints the same kind of table: insurer, plan, premium. It reads like a price comparison and it is not one, because the products in the columns have agreed to pay different fractions of your parent's hospital bill.

Niva Bupa's Senior First starts every buyer at a 50% co-payment — you bear half of each admissible claim — unless you choose a lower one when the first policy is issued, and once chosen it can never be changed [5,10]. ICICI Lombard's Golden Shield carries the identical 50% base co-payment [1,30]. That is two of the eleven private senior products filed in India defaulting the buyer to bearing half of every claim [1]. It is a market design, not one insurer's quirk, and it is what makes their headline rates look low.

Meanwhile Tata AIG's Elder Care applies a mandatory 20% to every claim and prices it in [2,3]. Star Health's Red Carpet applies 30% [31,32]. HDFC ERGO's Optima Senior applies 15% or 30% depending on the room, and then another 30% on fourteen named procedures — cataract, joint replacement, CABG, prostate surgery, the operations seniors actually have [7,33][7]. United India applies none at all [34]. Across the largest private senior products the spread runs from nothing to 50% [5,2,7,8,9].

So the first question about any senior premium is not "how much" but "how much of the claim does this number buy". Everything below is arranged around that.

2. Matched properly, the cheap plan is the dear one

Take the comparison people actually make — ₹10 lakh of cover, a 61–65-year-old, a metro address — and hold the co-payment at 20% for all three carriers that can be priced there.

Niva Bupa's published rate for that cell is ₹23,749 [5], and against Tata AIG's ₹35,000 [2] it looks like the obvious buy. But ₹23,749 is the 50%-co-payment rate. Moving to 20% is a published loading of 55.5% of base premium [5], which takes the same cover to ₹36,930 [5]. (That multiplication is ours, from the insurer's own published loading — it is flagged as computed in our ledger, not presented as a quoted rate.)

ICICI Lombard does not need the arithmetic. Its chart prices all four co-payment levels directly, and the 20% cell for that buyer is ₹34,409 [4]. For that exact buyer, moving off its 50% default costs 16.8% more to reach 40%, 33.2% to reach 30% and 49.1% to reach 20% [4] — so the ₹23,081 default becomes ₹34,409, and the numbers reconcile. (Averaged across the whole 288-cell grid the same three moves cost 17.2%, 33.7% and 49.8% [4]; use the grid figure only for market-wide statements, never beside a single cell.) It is cheaper than Niva Bupa at every step, and ICICI's co-payment can be changed at a later renewal where Niva Bupa's cannot [1][5,10].

The order at matched cost-sharing is therefore the reverse of the order on the comparison screens. That is the whole of the finding, and it is not available anywhere else because nobody else has read both rate charts.

3. What ₹5 lakh actually costs, with the cost-sharing attached

₹10 lakh is the fair comparison for the three carriers above. ₹5 lakh is what most senior products actually sell, and it is where the public-sector policies live.

₹5 lakh is the sum insured most senior products actually sell, so it is the fairest cross-market line. Read the third column before the second — it is where the difference between these numbers goes. Zones differ between insurers and are marked where the rate is zone-specific.

ProductAnnual premium, ₹5 lakh at 61–65, before taxWhat you still pay on a claim
Niva Bupa Senior First Gold (Zone 1)₹15,032 [5]50% of every claim by default [5,10], a shared room only [5], and Gold is stripped of the loyalty additions, the reinstatement and the health check-up that Platinum gets [5]
Universal Sompo Senior Citizen₹20,733 [28]10% on every claim [35], 20% on anything pre-existing [35], 15% on day care [35] — plus cataract capped at ₹10,000 an eye [36] and surgeon's fees at 25% of the sum insured [36,37]
Star Health Senior Citizens Red Carpet₹22,347 [31]30% of every claim — the highest flat co-payment of any senior product we read [31,32]
HDFC ERGO Optima Senior₹22,553 [7]15% in a shared room or 30% in a single room [7,33], plus a further 30% on 14 named procedures including cataract, joint replacement, CABG and prostate surgery [7]. ₹5 lakh is also this product's ceiling [7]
Tata AIG Elder Care (Zone C, rest of India)₹22,640 [2]20% on every claim [2,3], and cataract capped between ₹40,000 and ₹1 lakh an eye with pre- and post-hospitalisation counted inside the cap [2,3]
National Senior Citizen Mediclaim, Plan A (Zone 1)₹24,705 [38]No blanket co-payment [39] — but 18.5% if you pay the Zone 2 premium and are treated in Zone 1 [39,38], and cataract capped at 15% of the sum insured or ₹75,000 an eye [39]
New India Sixty Plus₹26,390 [40,41]10% on every claim, or 20% if you take the discounted version [41], and pre-existing conditions wait 36 months [41,16]
United India Senior Citizen plan (Zone A)₹34,483 [34]No co-payment at all [34] — but the prospectus still makes pre-existing disease wait 48 months [34,42], and it will not take a new entrant over 65 [34]
New India Senior Citizen MediclaimNot available at ₹5 lakh — ₹4,447 buys ₹1 lakh [15,16]No co-payment [16,43] and an 18-month pre-existing wait [16], on a policy that cannot exceed ₹1.5 lakh of cover [16,15]

Two things fall out of that table. The first is that the price range at a fixed sum insured is more than two to one, and almost all of it is explained by the third column rather than by cover quality. The second is that the two cheapest lines are the two you would least want in a crisis: a 50% co-payment with a shared room and stripped benefits, and a 10%-plus-20%-plus-15% co-payment stack sitting on top of a ₹10,000 cataract cap and a surgeon's fee capped at a quarter of the sum insured [36][36,37].

New India's Senior Citizen Mediclaim is the genuinely cheap policy in this market — ₹4,447 a year at 60–65 [15,16], no co-payment [16,43], and pre-existing conditions covered after 18 months [16], against 24 at National, 36 at its own Sixty Plus and 48 at United India [39][41,16][34,42]. It is cheap because it is small: the maximum sum insured is ₹1.5 lakh [16,15], room rent is capped at 1% of that a day [16], and a cataract operation with an imported foldable lens is capped at ₹10,000 inclusive of room, theatre and surgeon [16]. As a second policy under a bigger one, it is good value. As the only policy, it is not cover.

4. Age is the price

What ageing does to the price, taken from each insurer's own bands. The last two rows are the ones to read before buying for a parent in their late seventies: the question is not what the policy costs now but whether the insurer publishes a rate at all when your parent is 88.

InsurerWhat the published chart does with age
HDFC ERGO Optima Senior₹22,553 at 61–65 rises to ₹96,402 above 85 for the same ₹5 lakh — 4.27 times [7][7][7]
National Senior Citizen Mediclaim2.67 times from the 60–65 band to the 86-and-above band for identical cover [38]; ₹10 lakh at 86-plus in Zone 1 is ₹1,10,043 [38]
New India Senior Citizen Mediclaim₹4,447 at 60–65 becomes ₹7,138 at 86-plus for ₹1 lakh [15,16][15] — the flattest curve in the market, on the smallest policy in the market
Star Health Red CarpetThe published chart does not vary by age at all across its 60–75 entry window — a 60-year-old and a 75-year-old are quoted the same standard rate [31]
Universal SompoPrices past 90: the '>90 years' band costs ₹53,563 for ₹5 lakh [28], on a chart that also caps the sum insured at ₹5 lakh [35,28]
Tata AIG Elder CarePublishes out to a 96-plus band — ₹2,74,015 for ₹25 lakh in Zone A [2] — and states no maximum entry or cover-ceasing age [2]
ICICI Lombard Golden ShieldPublishes no rate above 85, on a product that advertises no maximum entry age and no maximum renewal age [4,1]

The pattern that matters here is not the level but the slope, and the slope is steep enough to change what "affordable" means over a fifteen-year holding period. HDFC ERGO's own chart multiplies the same ₹5 lakh policy by 4.27 between the 61–65 band and the over-85 band [7]. National's multiplies by 2.67 [38].

Those band-to-band jumps are separate published rates, not premium revisions, so IRDAI's 10%-a-year cap on senior repricing [44] does not flatten them. A family buying at 62 on the basis of today's number should look at the same chart's 76–80 line before deciding what they can sustain.

The other half of the question is whether the insurer will publish a rate at all when it matters. Tata AIG prints to a 96-plus band [2] and Universal Sompo past 90 [28]. ICICI Lombard — the carrier with the deepest rate disclosure in the country — publishes nothing above 85, on a product that advertises no maximum entry age and no maximum renewal age [4,1]. There is no published number at which an 86-year-old Golden Shield policyholder renews.

5. GST: exempt since 22 September 2025, and one chart that still adds 18%

Individual health insurance in India became exempt from GST on 22 September 2025 [11,12][11], and the GST Council's recommendation named senior-citizen policies expressly [12]. Family floaters are covered [11,45], and the definition is wide enough that a senior policy sold as a single product with embedded travel or personal-accident features is exempt in full [11,45].

Three consequences a buyer needs, in order.

Renewals count, and the test is the date of payment. A policy bought in 2019 renews exempt as long as the premium is paid on or after 22 September 2025 [45]. A policy that lapsed before the date and was revived after it pays nothing on the reinstatement premium either [45]. If a 2026 renewal notice carries an 18% line, that is an error to challenge, not a tax to pay.

The employer-floater route did not get cheaper. The most-repeated workaround in this market — put your parents on your company's group policy — sits on the one side of the exemption that was left out. Group and employer-sponsored cover still bears 18% [11,45].

And a published rate chart is not automatically current. ICICI Lombard serves two Golden Shield rate charts from the same downloads index, one marked exclusive of GST and one inclusive. Dividing the second by the first, cell by cell across all 1,152 cells, gives a ratio between 1.1799 and 1.1801 — the chart applies exactly 18% to a product that has been exempt for eleven months [6,4]. Page 2 of that same file carries two UINs stacked in its footer, the first of which the carrier's own filed product list records as withdrawn on 30 September 2024 [6,13]. A buyer who downloads it is reading rates for a product that no longer exists, grossed up at a tax that no longer applies.

It is not an isolated lapse. HDFC ERGO's Optima Senior prospectus — the only document in existence carrying that product's rates — still instructs that "Service Tax to be charged as applicable", a tax replaced by GST in July 2017 [7]. National Insurance's Varistha senior prospectus still prices the product with service tax extra [14]. The one chart in the market demonstrably produced after the exemption is Universal Sompo's, generated on 15 October 2025 — and it states no tax position at all [28].

Do not expect a clean 18% saving to persist. The move was from "18% with input tax credit" to exemption, not to a zero rate, so insurers lost the credit on their own inputs and are recovering part of it through base premium [12,11]. Analysts on Star Health's Q2 FY26 call sized full absorption at up to 3–3.5% of premium [46]; Niva Bupa reported the residual at roughly 50 basis points of combined ratio after cutting costs and renegotiating with vendors [47]. For seniors those increases are themselves capped at 10% a year [44], for anyone aged 60 and above [44].

6. Your city moves the number twice

Zone changes the premium and then changes the claim.

On the premium: Tata AIG charges a Zone A buyer about 23% more than a Zone C buyer for identical cover at the same age [2]. Niva Bupa's Zone 1 / Zone 2 gap is about 19% — and its prospectus never states which cities fall into which zone [5], so a buyer cannot check which rate applies to them. ICICI Lombard is the counter-example: it defines its zones city by city, down to the district level of the National Capital Region [1].

On the claim: buying the cheaper zone can cost more than it saves. ICICI Lombard adds up to 25% zonal co-payment when a Zone C policyholder is treated in Zone A, so a small-town buyer at the 50% default who is referred to Delhi bears 75% of the bill [1]. ManipalCigna adds 10% for a Zone II buyer treated in Zone I and 20% for a Zone III buyer [48,17]. National charges 18.5% to a Zone 2 policyholder treated in Zone 1 [39,38]. If the serious hospitals your family would actually use are in a dearer zone, buy the dearer zone.

7. Half the market publishes no price at all

The blanks are the finding. An insurer that publishes no rate is an insurer whose price you can only learn by handing over your parent's phone number.

InsurerWhat it publishes
ICICI Lombard1,152 rate cells for Golden Shield — three zones, four co-payment levels, two family combinations, six age bands, eight sums insured [4]. The deepest senior rate disclosure in the Indian market, and its product page links none of it [49]
Niva Bupa168 cells in the filed prospectus [5], priced by a Zone 1 / Zone 2 split worth about 19% that the prospectus never defines [5]
Aditya Birla168 cells for Activ Care, marked exclusive of GST [27] — but every Activ Care document sits behind an opaque timestamped filename no fetcher can discover [50]
Universal Sompo105 cells on a standalone chart running to a '>90 years' band [28], generated after the GST exemption and stating no tax position at all [28]
Tata AIG72 cells across three defined zones, eight age bands and three sums insured [2] — with the wording, prospectus and Customer Information Sheet all on its own site [51,2,3]
National InsuranceA standalone rate chart [38] — and a second, different rate chart for a product of the same name, under a different UIN and with materially different premiums, downloadable from the same website [38,52]
ManipalCignaNo rate chart, although the prospectus names a 'Rate Chart' annexure twice and does not contain one [17,18]. The only published price is a benefit illustration: ₹26,505 for a 63-year-old with ₹5 lakh in Zone 1 [53,54]
Bajaj AllianzNo rate chart — only a two-point illustration that does not say which of Silver Health's two plans it prices [19,20,21]
SBI GeneralNo rates [8], and no senior-citizen product on its own filed product list, behind a senior-citizen marketing page [23,24]
Royal SundaramNo rate chart [22] and no senior product at all — Lifeline Supreme, which comparison tables list as one, is a variant of a general filing open to adults from 18 [22,55]
Care HealthNothing for its senior-specific plan: no wording, prospectus, Customer Information Sheet or brochure could be retrieved from any public source [25,26], and the site returns HTTP 403 to any automated reader [29,56,24,57]
Oriental InsuranceNeither its senior prospectus nor its premium chart could be retrieved from any Oriental-controlled surface — the only accessible copy is on a broker's storage bucket, for a superseded filing [58,59]

The absences are worth as much as the numbers. Two prospectuses — ManipalCigna's and Royal Sundaram's — instruct the reader to refer to a "Rate Chart" annexure that is not attached to the document and is published nowhere else [17,18][22]. Two insurers market a senior-citizen category with no senior-citizen filing behind it: SBI General runs the page and files no senior product [23,24], and Aditya Birla's own "Health Insurance For Senior Citizen" link points at a general plan rather than at Activ Care, the senior product it actually files and documents [60,61,62].

And where a price does exist, check which document it came from. ICICI Lombard's prospectus illustrates a "Golden Shield Essentia Plan" that appears in no other Golden Shield document, at a premium its own rate chart does not contain [1,4,63]. New India publishes a superseded Senior Citizen Mediclaim prospectus in the same directory as the current one, quoting premiums about 10% below the filed rates [64,16,15]. National has two different live rate charts for products of the same name [38,52]. Oriental publishes no first-party senior premium chart at all [58,59]. A quote that matches a stale document is not evidence of anything.

8. Checking a quote before you pay it

  • Ask for the co-payment in writing, as a percentage, before you look at the premium. If it is 50%, ask what the 20% version costs — 55.5% more at Niva Bupa [5], 49.1% at ICICI Lombard for a ₹10 lakh, 61–65 buyer [4].
  • Ask whether the co-payment can be changed later. ICICI Lombard's can, at renewal [1]. Niva Bupa's cannot, ever [5,10]. A 61-year-old who takes 50% to keep the price down cannot buy out of it at 75, which is when it starts to matter.
  • Check the tax line. Individual senior cover is exempt [11,12]; an 18% line on a 2026 renewal is wrong [45]. If your parent is on your employer's group floater instead, 18% is correct there [11,45].
  • Read the sub-limits for the two operations seniors actually have. Cataract caps range from ₹10,000 an eye at Universal Sompo [36] to ₹25,000–₹75,000 by sum-insured band at ICICI Lombard [30], with joint replacement capped separately [2].
  • Look up the age band your parent enters next, not the one they are in. The escalation is 2.67× to 4.27× over the life of the policy [38][7], and it is not what the 10% repricing cap governs [44].
  • Ask what happens at 86. If the insurer publishes no rate above 85 [4,1], the renewal price at that age is whatever they decide it is.

What each of these products pays and refuses to pay, claim by claim, is in what you will actually pay; the full ranking is in the best and worst senior health policies.

Frequently asked questions

How much does health insurance cost for a senior citizen in India?
At ₹5 lakh of cover and age 61–65, the filed rates we could read run from ₹15,032 to ₹34,483 a year before tax [5][34] — but the cheapest of those makes you pay half of every claim [5,10] and the dearest makes you pay none [34]. At ₹10 lakh with a genuinely matched 20% co-payment, the range narrows to ₹34,409–₹36,930 [4][5]. Anyone quoting a single number for "senior health insurance in India" is quoting a co-payment level they have not told you about.
Is GST still charged on senior citizen health insurance?
No. Individual health insurance — family floaters included — has been exempt since 22 September 2025, and the GST Council named senior-citizen policies expressly [11,12][11][11,45][12]. Two things still catch people out. Group cover — including the employer floater a working adult adds a parent to — is not exempt and still bears 18% [11,45]. And an insurer's own rate chart is not automatically current: ICICI Lombard is still serving a Golden Shield chart that adds 18% [6,4].
My parent bought the policy before September 2025. Is the renewal exempt?
Yes, provided the premium is paid on or after 22 September 2025 — the test is the date of payment, not the date the policy was first bought [45]. A policy that had lapsed before that date and was revived after it also pays no GST on the reinstatement premium [45]. If a renewal notice from 2026 still shows an 18% line, it is wrong and you should say so before paying it.
Why is one insurer so much cheaper than another for the same cover?
Almost always because the co-payment underneath is different. Cost-sharing on India's senior products runs from nothing to 50% of every claim [5,2,7,8,9], and two of the eleven private senior products filed in India default you to bearing half [1]. Sub-limits do the rest: Universal Sompo's ₹20,733 premium comes with cataract capped at ₹10,000 an eye [28][36] and surgeon's fees capped at 25% of the sum insured [36,37].
What is the cheapest senior citizen health insurance in India?
By premium, New India's Senior Citizen Mediclaim at ₹4,447 a year for the 60–65 band [15,16]. That buys ₹1 lakh of cover on a policy that cannot exceed ₹1.5 lakh [16,15], with room rent capped at 1% of the sum insured a day [16] and a cataract operation with an imported lens capped at ₹10,000 inclusive of everything [16]. It carries no co-payment [16,43] and the shortest pre-existing wait of the PSU products at 18 months [16] — a good small policy, not a cheap big one.
Can my insurer raise my parent’s premium by more than 10% a year?
Not on an indemnity-based individual senior policy. IRDAI has directed insurers not to revise a senior citizen's premium by more than 10% per annum [44], and for this purpose a senior citizen is anyone aged 60 and above [44]. Note that the cap governs *repricing*, not the jump you see when your parent crosses an age band — those are separate rates on a published chart, and the escalation is steep: 4.27 times from 61–65 to over 85 at HDFC ERGO [7].
Did premiums actually fall 18% when GST was removed?
Briefly, and then partly back. The change was from "18% with input tax credit" to exemption rather than to a zero rate, so insurers lost the credit on their own inputs and that cost feeds into base premiums [12,11]. Analysts on Star Health's Q2 FY26 call put full absorption at up to 3–3.5% of premium [46]; Niva Bupa put the residual at roughly 50 basis points of combined ratio after cutting costs [47]. The saving is large and immediate; some of it comes back over the following renewals as base premium, bounded for seniors by the 10% rule [44].
Does the city we live in change the premium?
Substantially, and twice over. Tata AIG charges a Zone A policyholder about 23% more than a Zone C policyholder for identical cover at the same age [2]; Niva Bupa's Zone 1 / Zone 2 gap is about 19%, on zones its prospectus never defines [5]. Then the zone comes back as a co-payment: ICICI Lombard adds up to 25% when a Zone C policyholder is treated in Delhi or Mumbai, so at the 50% default that buyer bears 75% of the claim [1]; ManipalCigna adds 10% or 20% on the same journey [48,17]. A small-town buyer who expects to be referred to a metro hospital is buying a worse policy than the price suggests.
At what age can a parent still buy a new senior policy?
Later than most people assume, and the category also starts earlier: new senior business opens anywhere from 46 to 61 depending on the insurer [19,61,17,1,36]. At the other end, new business closes at 75 at two private insurers and at 80 at two more, while four state no maximum entry age [19,61,17,1,36]. United India stops new entrants at 65 [34]. Whether an insurer will *price* an older buyer is a separate question: Tata AIG publishes rates to 96-plus [2] and Universal Sompo past 90 [28], while ICICI Lombard publishes nothing above 85 despite advertising no maximum entry age [4,1].

Sources

Every figure on this page is footnoted to one of the primary documents below. Reliability tiers: A = regulator, court or filed document; B = reputable publisher or carrier official page; C = user-generated (reported by users).

  1. 1.ICICI Lombard General Insurance Company Limited — Golden Shield — Sales Literature and Prospectus (UIN ICIHLIP25042V022425). https://www.icicilombard.com/docs/default-source/default-document-library/golden-shield-literature-and-prospectus.pdfTier A · Regulator / court / filed document · Accessed 2026-08-18
  2. 2.Tata AIG General Insurance Co. — Tata AIG Elder Care — Prospectus (UIN TATHLIP23179V012223). https://www.tataaig.com/s3/eldercare_prospectus_b5d025637c.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  3. 3.Tata AIG General Insurance Co. — Tata AIG Elder Care — Customer Information Sheet (UIN TATHLIP23179V012223). https://www.tataaig.com/s3/Tata_AIG_Elder_Care_CIS_a1c17bf958.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  4. 4.ICICI Lombard General Insurance Company Limited — Golden Shield — Premium Rate Chart, 1,152 base cells plus 1,152 optional-cover cells (UIN ICIHLIP25042V022425). https://www.icicilombard.com/docs/default-source/default-document-library/golden-shield-rate-chart.pdfTier A · Regulator / court / filed document · Accessed 2026-08-18
  5. 5.Niva Bupa Health Insurance Co. — Senior First — Prospectus cum Sales Literature (UIN NBHHLIP27053V022627). https://transactions.nivabupa.com/pages/doc/prospectus/Senior-First-Prospectus.pdf?v=1.0Tier A · Regulator / court / filed document · Accessed 2026-08-17
  6. 6.ICICI Lombard General Insurance Company Limited — Golden Shield Including GST — Premium Rate Chart, 1,152 cells at 18% GST. https://www.icicilombard.com/docs/default-source/default-document-library/golden-shield_including-gst.pdfTier A · Regulator / court / filed document · Published 2022-07-27 · Accessed 2026-08-18
  7. 7.HDFC ERGO General Insurance Co. — Optima Senior — Prospectus (UIN HDHHLIP21379V022021). https://www.hdfcergo.com/docs/default-source/downloads/prospectus/optima-senior---prospectus.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  8. 8.SBI General Insurance Co. — Super Health Insurance — Prospectus (UIN SBIHLIP23050V012223). https://content.sbigeneral.in/uploads/7918c0bca794463482b491604b12f231.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  9. 9.Care Health Insurance Ltd — CARE — Policy Terms & Conditions, effective 1 April 2021 (UIN RHIHLIP21017V052021). https://cms.careinsurance.com/cms/public/uploads/download_center/care---policy-terms-&-conditions-(effective-from-01-april-2021).pdfTier A · Regulator / court / filed document · Published 2021-04-01 · Accessed 2026-08-17
  10. 10.Niva Bupa Health Insurance Co. — Senior First — Policy Wording, current filing (UIN NBHHLIP27053V022627). https://transactions.nivabupa.com/pages/doc/policy_wording/Senior-First-Policy-Wording.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  11. 11.Ministry of Finance (Department of Revenue), Government of India — Notification No. 16/2025-Central Tax (Rate), dated 17 September 2025 — amends Notification No. 12/2017-Central Tax (Rate) to implement the recommendations of the 56th GST Council. https://taxinformation.cbic.gov.in/view-pdf/1010454/ENG/NotificationsTier A · Regulator / court / filed document · Published 2025-09-17 · Accessed 2026-08-18
  12. 12.GST Council / Ministry of Finance, Press Information Bureau — Recommendations of the 56th Meeting of the GST Council. https://gstcouncil.gov.in/sites/default/files/2025-09/press_release_press_information_bureau_0.pdfTier A · Regulator / court / filed document · Published 2025-09-03 · Accessed 2026-08-17
  13. 13.ICICI Lombard General Insurance Company Limited — ICICI Lombard — filed product and UIN list. https://www.icicilombard.com/docs/default-source/downloads/website-list-of-products.pdfTier A · Regulator / court / filed document · Accessed 2026-08-18
  14. 14.National Insurance Company Limited — VARISTHA Mediclaim for Senior Citizens — Prospectus. https://nationalinsurance.nic.co.in/sites/default/files/VARISTHA%20Mediclaim%20for%20Senior%20Citizens%20Prospectus.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  15. 15.The New India Assurance Co. Ltd. — Senior Citizen Mediclaim Policy — Premium Chart (Excluding GST) applicable wef 1st November 2024. https://www.newindia.co.in/assets/docs/know-more/health/senior-citizen-mediclaim-policy/Senior%20Citizen%20Mediclaim%20Policy%20Premium%20Chart.pdfTier A · Regulator / court / filed document · Published 2024-11-01 · Accessed 2026-08-17
  16. 16.The New India Assurance Co. Ltd. — Senior Citizen Mediclaim Policy — Prospectus. https://www.newindia.co.in/assets/docs/know-more/health/senior-citizen-mediclaim-policy/Prospectus%20Senior%20Citizen%20Mediclaim%20Policy1504.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  17. 17.ManipalCigna Health Insurance Company Limited — ManipalCigna Prime Senior — Prospectus, Classic and Elite (UIN MCIHLIP27039V022627). https://www.manipalcigna.com/documents/20124/0/PrimeSenior-Prospectus/c6756113-ba83-02a7-4ca4-2093d370b35fTier A · Regulator / court / filed document · Published 2026-04-10 · Accessed 2026-08-18
  18. 18.ManipalCigna Health Insurance Company Limited — ManipalCigna Prime Senior — product download category. https://www.manipalcigna.com/downloads/products/-/categories/4117995Tier B · Reputable publisher / carrier official · Accessed 2026-08-18
  19. 19.Bajaj General Insurance Limited (formerly Bajaj Allianz General Insurance Co. Ltd) — Silver Health — Prospectus (UIN BAJHLIP23213V052223). https://www.bajajgeneralinsurance.com/download-documents/health-insurance/silver-health/silver_health.pdfTier A · Regulator / court / filed document · Published 2025-11-26 · Accessed 2026-08-18
  20. 20.Bajaj General Insurance Limited (formerly Bajaj Allianz General Insurance Co. Ltd) — Silver Health — Policy Wording (UIN BAJHLIP23213V052223). https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-PW/Silver-Health_PW.pdfTier A · Regulator / court / filed document · Accessed 2026-08-18
  21. 21.Bajaj General Insurance Limited (formerly Bajaj Allianz General Insurance Co. Ltd) — Silver Health — Customer Information Sheet (UIN BAJHLIP23213V052223). https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-CIS/Silver-Health_CIS.pdfTier A · Regulator / court / filed document · Accessed 2026-08-18
  22. 22.Royal Sundaram General Insurance Co. Limited — Lifeline — Prospectus and Sales Literature (UIN RSAHLIP24146V032324). https://www.royalsundaram.in/assets/forms-central/Prospectus_and_Sales_Literature_Lifeline.pdfTier A · Regulator / court / filed document · Published 2025-02-11 · Accessed 2026-08-18
  23. 23.SBI General Insurance — SBI General filed UIN product list. https://content.sbigeneral.in/uploads/Product_list_for_website_2_New_896efc8d9c.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  24. 24.SBI General Insurance Co. — Health Insurance For Senior Citizens — marketing page. https://www.sbigeneral.in/health-insurance/senior-citizen-health-insuranceTier B · Reputable publisher / carrier official · Accessed 2026-08-17
  25. 25.Ditto Insurance (broker) — SECONDARY — Care Supreme Senior: internal sales deck, no UIN. https://ditto-partners.s3.ap-south-1.amazonaws.com/Care/Care+Supreme+Senior-Brochure.pdfTier B · Reputable publisher / carrier official · Accessed 2026-08-17
  26. 26.Care Health Insurance Ltd — Care Supreme — Policy Terms & Conditions. https://cms.careinsurance.com/cms/public/uploads/download_center/care-supreme---policy-terms-and-conditions.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  27. 27.Aditya Birla Health Insurance Co. Limited — Activ Care — Premium Rate Chart, 168 cells (UIN ADIHLIP21062V022021). https://www.adityabirlacapital.com/healthinsurance/assets/PDF/20231102T061956.pdfTier A · Regulator / court / filed document · Accessed 2026-08-18
  28. 28.Universal Sompo General Insurance Co. Ltd — Senior Citizen Health Insurance Policy — Premium Rate Chart, 105 cells (UIN UNIHLIP21412V022021). https://www.universalsompo.com/assets/file/senior-citizen-health-insurance-policy/senior-citizen-health-insurance-policy-premium-chart.pdfTier A · Regulator / court / filed document · Published 2025-10-15 · Accessed 2026-08-18
  29. 29.Care Health Insurance Ltd — Care for Senior Citizens — brochure (carries flagship UIN RHIHLIP21017V052021). https://cms.careinsurance.com/cms/public/uploads/download_center/care-senior-brochure.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  30. 30.ICICI Lombard General Insurance Company Limited — Golden Shield — Customer Information Sheet (UIN ICIHLIP25042V022425). https://www.icicilombard.com/docs/default-source/default-document-library/golden-shield-cis.pdfTier A · Regulator / court / filed document · Published 2024-09-30 · Accessed 2026-08-18
  31. 31.Star Health and Allied Insurance Company Limited — Senior Citizens Red Carpet Health Insurance Policy — Prospectus (PROS / SCRC / V.13 / 2025). https://d28c6jni2fmamz.cloudfront.net/Prospectus_Senior_Citizens_Red_Carpet_Policy_V_11_ed34026052.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  32. 32.Star Health and Allied Insurance Company Limited — Senior Citizens Red Carpet Health Insurance Policy — Policy Wording (V.19). https://d28c6jni2fmamz.cloudfront.net/Policy_Senior_Citizens_Red_Carpet_Policy_V_19_293f3b97b4.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  33. 33.HDFC ERGO General Insurance Co. — Optima Senior — Policy Wording (UIN HDHHLIP21379V022021). https://www.hdfcergo.com/docs/default-source/downloads/policy-wordings/health/optima-senior-combined-pw-cis-hegi.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  34. 34.United India Insurance Company Limited — Individual Health Insurance Policy — Prospectus. https://uiic.co.in/web/sites/default/files/Policy-Document/20240325_Prospectus_IHIP.pdfTier A · Regulator / court / filed document · Published 2024-03-25 · Accessed 2026-08-17
  35. 35.Universal Sompo General Insurance Co. Ltd — Senior Citizen Health Insurance Policy — Customer Information Sheet (UIN UNIHLIP21412V022021). https://www.universalsompo.com/assets/file/cis/cis-senior-citizen-health-insurance-policy.pdfTier A · Regulator / court / filed document · Accessed 2026-08-18
  36. 36.Universal Sompo General Insurance Co. Ltd — Senior Citizen Health Insurance Policy — Prospectus (UIN UNIHLIP21412V022021). https://www.universalsompo.com/assets/file/senior-citizen-health-insurance-policy/senior-citizen-health-insurance-policy-prospectus.pdfTier A · Regulator / court / filed document · Accessed 2026-08-18
  37. 37.Universal Sompo General Insurance Co. Ltd — Senior Citizen Health Insurance Policy — Policy Wording (UIN UNIHLIP21412V022021). https://www.universalsompo.com/assets/file/senior-citizen-health-insurance-policy/senior-citizen-health-insurance-policy-wordings.pdfTier A · Regulator / court / filed document · Accessed 2026-08-18
  38. 38.National Insurance Company Limited — National Senior Citizen Mediclaim Policy — Rate Chart (in INR). https://nationalinsurance.nic.co.in/sites/default/files/2026-04/NSCMP%20-%20Rate%20Chart.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  39. 39.National Insurance Company Limited — National Senior Citizen Mediclaim Policy — Prospectus. https://nationalinsurance.nic.co.in/sites/default/files/2026-06/NSCMP%20-%20Prospectus.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  40. 40.The New India Assurance Co. Ltd. — New India Sixty Plus Mediclaim Policy — Premium Table. https://www.newindia.co.in/assets/docs/know-more/health/new-india-sixty-plus-mediclaim-policy/New%20India%20Sixty%20plus%20Premium%20chart.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  41. 41.The New India Assurance Co. Ltd. — New India Sixty Plus Mediclaim Policy — Prospectus. https://www.newindia.co.in/assets/docs/know-more/health/new-india-sixty-plus-mediclaim-policy/Prospectus%20New%20India%20Sixty%20Plus%20Mediclaim%20Policy%20updated.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  42. 42.Insurance Regulatory and Development Authority of India / Gazette of India — Insurance Regulatory and Development Authority of India (Insurance Products) Regulations, 2024 — F. No. IRDAI/Reg/8/202/2024. https://egazette.gov.in/WriteReadData/2024/253325.pdfTier A · Regulator / court / filed document · Published 2024-03-22 · Accessed 2026-08-18
  43. 43.The New India Assurance Co. Ltd. — Senior Citizen Mediclaim Policy — Customer Information Sheet. https://www.newindia.co.in/assets/docs/know-more/health/senior-citizen-mediclaim-policy/Customer%20Information%20Sheet%20SENIOR%20CITIZEN%20MEDICLAIM%20POLICY.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  44. 44.Insurance Regulatory and Development Authority of India — Circular — Review of revision in premium rates under health insurance policies for senior citizens (Ref. IRDAI/HLT/CIR/MISC/27/1/2025). https://irdai.gov.in/documents/37343/365525/Circular+-+Review+of+revision+in++premium+rates+under+health+insurance+policies+for+senior+citizens.pdf/b703b6bf-d407-e8f0-a302-c17260bec4a5Tier A · Regulator / court / filed document · Published 2025-01-30 · Accessed 2026-08-18
  45. 45.Department of Financial Services, Ministry of Finance, Government of India — Frequently Asked Questions on Exemption of GST on all Individual Life Insurance and Health Insurance Policies. https://financialservices.gov.in/exemption-gst-all-individual-life-insurance-and-health-insurance-policiesTier A · Regulator / court / filed document · Published 2025-10-01 · Accessed 2026-08-18
  46. 46.Star Health and Allied Insurance Company Ltd. — Earnings Call Transcript — Q2 & H1 FY2026 (call held 29 October 2025), filed with BSE and NSE under Ref SHAI/B&S/SE/116/2025-26. https://www.bseindia.com/stock-share-price/star-health-and-allied-insurance-company-ltd/starhealth/543412/corp-announcements/Tier A · Regulator / court / filed document · Published 2025-11-03 · Accessed 2026-08-18
  47. 47.Niva Bupa Health Insurance Company Ltd. — Earnings Call Transcript — Q3 FY2026, filed with BSE and NSE. https://www.bseindia.com/stock-share-price/niva-bupa-health-insurance-company-ltd/nivabupa/544451/corp-announcements/Tier A · Regulator / court / filed document · Accessed 2026-08-18
  48. 48.ManipalCigna Health Insurance Company Limited — ManipalCigna Prime Senior Elite — Customer Information Sheet (UIN MCIHLIP27039V022627). https://www.manipalcigna.com/documents/20124/0/PrimeSenior-Elite-CIS/9c1bc9bc-e58e-46e1-7863-0eb3015de603Tier A · Regulator / court / filed document · Accessed 2026-08-18
  49. 49.ICICI Lombard General Insurance Company Limited — Senior Citizen Health Insurance (Golden Shield) — product marketing page. https://www.icicilombard.com/health-insurance/senior-citizen-health-insuranceTier B · Reputable publisher / carrier official · Accessed 2026-08-18
  50. 50.Aditya Birla Health Insurance Co. Limited — Aditya Birla Health Insurance Download Center — Activ Care category. https://www.adityabirlacapital.com/healthinsurance/downloadsTier B · Reputable publisher / carrier official · Accessed 2026-08-18
  51. 51.Tata AIG General Insurance Co. — Tata AIG Elder Care — Policy Wording (UIN TATHLIP23179V012223). https://www.tataaig.com/s3/Elder_Care_Policy_Wordings_9d18315430.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  52. 52.National Insurance Company Limited — National Senior Citizen Mediclaim Policy — Prospectus (superseded, UIN NICHLIP19010V011920). https://nationalinsurance.nic.co.in/sites/default/files/2.%20NSCMP%20Prospectus.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  53. 53.ManipalCigna Health Insurance Company Limited — ManipalCigna Prime Senior Elite — Annexure to Customer Information Sheet, Benefit Illustration. https://www.manipalcigna.com/documents/20124/0/Senior_Elite_Annexure%20to%20CIS/d8f78092-c313-7022-0361-e3a334350c0eTier A · Regulator / court / filed document · Accessed 2026-08-18
  54. 54.ManipalCigna Health Insurance Company Limited — ManipalCigna Prime Senior Classic — Annexure to Customer Information Sheet, Benefit Illustration. https://www.manipalcigna.com/documents/20124/0/PrimeSenior-Annexure-to-CIS-Classic/b325cbdc-883a-d5fb-ccc6-1572af4ea346Tier A · Regulator / court / filed document · Accessed 2026-08-18
  55. 55.Royal Sundaram General Insurance Co. Limited — Royal Sundaram — health insurance product index. https://www.royalsundaram.in/health-insuranceTier B · Reputable publisher / carrier official · Accessed 2026-08-18
  56. 56.HDFC ERGO General Insurance Co. — Senior Citizen Health Insurance Plan — product marketing page. https://www.hdfcergo.com/health-insurance/senior-citizen-health-insuranceTier B · Reputable publisher / carrier official · Accessed 2026-08-17
  57. 57.Tata AIG General Insurance Co. — Senior Citizen Health Insurance — product marketing page. https://www.tataaig.com/health-insurance/senior-citizen-health-insuranceTier B · Reputable publisher / carrier official · Accessed 2026-08-17
  58. 58.Ditto Insurance (broker) — mirror of an Oriental Insurance document — Health of Privileged Elders — Prospectus (UIN OICHLIP25039V042425), broker-hosted copy. https://s3.ap-south-1.amazonaws.com/ditto-partners/Oriental_Health_of_Privileged_Elders_Prospectus_2f131e5586.pdfTier B · Reputable publisher / carrier official · Accessed 2026-08-17
  59. 59.The Oriental Insurance Company Limited — Health of Privileged Elders (HOPE) 2026 — policy wording. https://oicl-cms-media.s3.ap-south-1.amazonaws.com/HEALTH_OF_PRIVILEGED_ELDERS_HOPE_2026_6af6417745.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17
  60. 61.Aditya Birla Health Insurance Co. Limited — Activ Care — Prospectus (UIN ADIHLIP21062V022021). https://www.adityabirlacapital.com/healthinsurance/assets/PDF/20250627T083542.pdfTier A · Regulator / court / filed document · Accessed 2026-08-18
  61. 62.Aditya Birla Health Insurance Co. Limited — Activ Care — Brochure (UIN ADIHLIP21062V022021). https://www.adityabirlacapital.com/healthinsurance/assets/PDF/20240930T164112.pdfTier A · Regulator / court / filed document · Accessed 2026-08-18
  62. 63.ICICI Lombard General Insurance Company Limited — Golden Shield — Brochure (UIN ICIHLIP25042V022425). https://www.icicilombard.com/docs/default-source/default-document-library/golden-shield-brochure.pdfTier A · Regulator / court / filed document · Accessed 2026-08-18
  63. 64.The New India Assurance Co. Ltd. — Senior Citizen Mediclaim Policy — Prospectus (superseded copy, UIN NIAHLIP25042V012425). https://www.newindia.co.in/assets/docs/know-more/health/senior-citizen-mediclaim-policy/Prospectus%20Senior%20Citizen%20Mediclaim%20Policy%20wef%2001%2004%202021.pdfTier A · Regulator / court / filed document · Accessed 2026-08-17