Health insurance
Pays for hospital stays, day-care procedures and care before and after, up to the sum insured.
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Money and protection
Insurance for seniors, explained plainly
The right cover can protect a family's savings, but the small print is hard. We explain the options in plain English and help you follow up claims.
Health cover for 60+
Hospital costs for older people, with lifelong renewal where offered.
Critical illness
A lump sum on a serious diagnosis, as the policy defines it.
Claims help
Papers in order, and a follow-up until the claim is settled.
For the whole family
A family policy that includes older parents, or one just for them.
Plain English
Waiting periods and exclusions explained before you pay.
Kinds of cover
What each kind of cover is for
Not every family needs all of these. We help you decide what is worth having.
Top-up and super top-up
Extra cover that starts after a threshold, often cheaper than a bigger base policy.
Critical illness
A fixed payment if you are diagnosed with a condition the policy lists.
Personal accident
Cover for injury, disability or death caused by an accident.
Hospital cash
A fixed daily amount for each day in hospital.
Travel insurance
Cover for illness or trouble on a trip, with the terms for older travellers read carefully.
How we help
From confusion to a clear choice
- Tell us your situation
Age, existing conditions and any cover your family already has. - We explain the options
In plain English, side by side, with what each does not cover. - You choose, we help you apply
An advisor guides you through the form and the medical questions. - We follow up claims
When you need to claim, we help you gather papers and chase progress.
Ask these before you buy
The answers matter more than the premium.
- How long is the waiting period for conditions my parent already has?
- Is there a co-payment, and how much will we pay at each claim?
- Is there a limit on the room rent, and does it reduce the whole claim?
- Do specific illnesses such as cataract or knee replacement have a lower limit?
- Is there a cashless hospital near our home?
- Can the policy be renewed for life, and can the premium rise sharply with age?
- Which medical tests are needed before the policy is issued?
Questions
Straight answers
Can people over 60 still buy health insurance?
Yes, in most cases, though options narrow with age and existing conditions, and waiting periods are common. An advisor can explain what is possible for your parent.
Do you tell me the premium on this page?
No. Premiums depend on age, sum insured, city and health, and are set by the insurer. We do not quote them here.
Will an existing condition be covered?
Often only after a waiting period, and sometimes with limits. This is one of the most important questions to ask, and we put it in writing for you.
Does a care plan replace insurance?
No. A care plan arranges care, doctors and emergency help. Insurance pays for costs such as hospital stays. Many families need both.
Insurance is a subject matter of solicitation. Cover, premiums and eligibility are decided by each insurer and set out in the policy document. This page explains cover in general terms and is not advice on a particular policy.
Why families trust us
Every carer passes a 5-point verification: background, identity and address, education, professional record and financial checks. Carers are trained in geriatric care and emergencies, and a Nursing Officer audits the care every fortnight.
We are here
Not sure where to begin?
A short call is enough. We will listen first.