The Best Health Insurance Strategy For Seniors
Last Update Date: 05-10-2026
Published by Outlook Money
Abhishek Kumar's role: Quoted
Abhishek Kumar suggested that seniors keep a medical fund in two pools, one for claim shortfalls and one for long-term caregiving. He put the total at ₹10 lakh to ₹18 lakh for a metro couple, held in options such as SCSS or liquid funds.
More of Abhishek's views on insurance
This magazine feature looks at why health insurance gets costly and restrictive after 60. It covers rising premiums, pre-existing conditions, co-payments, deductibles, super top-ups, exclusions and mis-selling. It also suggests ways to balance cover and cost, and building a separate medical fund beside the policy.
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The Best Health Insurance Strategy For Seniors