{"id":12642,"date":"2020-06-12T10:30:24","date_gmt":"2020-06-12T10:30:24","guid":{"rendered":"https:\/\/securenow.in\/blog\/?p=12642"},"modified":"2026-01-12T07:17:34","modified_gmt":"2026-01-12T07:17:34","slug":"for-senior-citizens-a-regular-health-cover-works-better-than-a-dedicated-policy","status":"publish","type":"post","link":"https:\/\/securenow.in\/insuropedia\/for-senior-citizens-a-regular-health-cover-works-better-than-a-dedicated-policy\/","title":{"rendered":"For senior citizens, a regular health cover works better than a dedicated policy"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p>Published in Moneycontrol<br \/>\nSenior citizens account for nearly 50 per cent of the total deaths (5,598) caused by the novel Corona Virus Disease-related (COVID-19) in India, as on June 2 and as per the Union Health Ministry\u2019s data. The elderly make up just 10 per cent of the country\u2019s population. This apart, individuals with co-morbidities \u2013 existing ailments or conditions \u2013 made up 73 per cent of the COVID-19 deaths in the country. Clearly, as is the global trend, COVID-19 impact hits the seniors the hardest. And it gets worse for those with pre-existing diseases. So, how must the elderly go about buying a <a href=\"https:\/\/securenow.in\/individual-insurance\/corona-kavach-insurance\">health cover<\/a>?<br \/>\nChoose better features over cheaper premium<br \/>\nMedical costs are always rising, so it\u2019s better to buy a policy with a larger sum assured. This helps you to pay for your treatment at a good hospital, even if the rates are expensive. Many times, policies that come with a co-pay ratio (where you have to foot a part of the bill and your insurer takes care of the rest) have lower premiums. But that is of little use if your co-pay ratio is as high as, say, 25 percent. \u201cA policy without co-pay is ideal. However, since it is difficult for senior citizens to obtain such a cover, they must look for one where it is minimal. A 10 per cent co-pay share is reasonable,\u201d explains Kapil Mehta, Co-founder and CEO, Securenow.in.<\/p>\n<p>Additional Read : <a href=\"https:\/\/securenow.in\/insuropedia\/corona-kavach-insurance-infographic\/?category=0\">Corona Kavach Insurance Policy<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Published in Moneycontrol Senior citizens account for nearly 50 per cent of the total deaths (5,598) caused by the novel Corona Virus Disease-related (COVID-19) in India, as on June 2 and as per the Union Health Ministry\u2019s data. The elderly make up just 10 per cent of the country\u2019s population. This apart, individuals with co-morbidities [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5455,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"_lmt_disableupdate":"no","_lmt_disable":"no","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[410,319],"tags":[327,1289,1395],"class_list":["post-12642","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-media-coverage","category-media","tag-covid-19","tag-senior-citizen-plans","tag-heath-cover"],"acf":[],"modified_by":"SecureNow","_links":{"self":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/12642","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/comments?post=12642"}],"version-history":[{"count":4,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/12642\/revisions"}],"predecessor-version":[{"id":34523,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/posts\/12642\/revisions\/34523"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/media?parent=12642"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/categories?post=12642"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/securenow.in\/insuropedia\/wp-json\/wp\/v2\/tags?post=12642"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}