Smart Health Insurance for Seniors: 5 Ways to Cut Premiums, Boost Coverage

• Securing health insurance for senior citizens is challenging due to age-related risks and pre-existing conditions.
• Combine personal policy with corporate health insurance, adding parents as dependents for broader coverage.
• Utilize a Super Top-Up Plan with a base policy to significantly increase total coverage while keeping premiums low.
• Opt for policies with co-payment or deductible options to reduce premiums, where you cover a fixed percentage or initial amount.
• Consider Ayushman Vay Vandana for those above 70, offering free annual coverage of 5 lakhs as a basic safety net.