Senior citizen travel insurance from India
Travel insurance from India is available well past 70 — we hold 86,710 live premiums for travellers aged 56 and over, from 5 Indian insurers, with published rates up to age 99 and beyond. A 15-day trip to Europe excluding the USA starts at ₹1,347 at 61-70 and ₹3,815 at 81-85. The figure that decides claims, though, is not price — it is whether the plan includes pre-existing disease cover, which the insurer fixes and the traveller cannot choose.
Every premium below is read live from the insurers’ own published rate charts. We sell nothing and take no commission from any insurer.
Premiums by age band
Cheapest 15-day premium in each band, and the share of plans in that band that include pre-existing disease cover.
| Age | Insurers | Europe excl. USA 15 days, from | Schengen 15 days, from | Plans with PED cover |
|---|---|---|---|---|
| 56 to 60 | 1 | ₹1,053 | ₹1,343 | 100% |
| 61 to 70 | 5 | ₹1,347 | ₹1,512 | 71% |
| 71 to 75 | 5 | ₹2,426 | ₹2,248 | 60% |
| 76 to 80 | 5 | ₹2,490 | ₹3,621 | 61% |
| 81 to 85 | 5 | ₹3,815 | ₹4,243 | 64% |
| 86 to 90 | 4 | ₹3,867 | ₹4,243 | 73% |
| 90 and above | 2 | ₹3,867 | ₹4,243 | 100% |
Premiums step up at each band boundary, not smoothly with each birthday — a traveller aged 70 and one aged 71 can pay noticeably different amounts for the same trip.
Pre-existing disease cover is chosen by the insurer, not by you
This is the single most misunderstood thing about insuring an older traveller. Whether a plan covers pre-existing conditions is a fixed attribute of that plan at that age band. You cannot add it, and you cannot filter it away — asking a customer to choose it is how our own advisor used to return an empty screen, which is why the question was removed.
Bajaj Allianz and Tata AIG include it on every single-trip rate we hold. IndusInd includes it only up to age 70. The others vary by plan. So we show PED as a column against every result, and you compare it like any other feature.
Unlike domestic health insurance, there is no 36-month waiting period on an overseas travel policy — IRDAI’s waiting-period rule does not apply to travel cover. If the plan includes PED, it applies from the start of the trip.
How pre-existing disease cover worksTravelling above 85
We publish a price list up to 85. Above that, cover still exists — we hold rates in the 86-90 and 90-plus bands — but it is underwritten individually rather than read off a chart, so a quote has to be asked for rather than looked up. The comparison tool will take your details and Ashutosh will come back with a real figure.
What actually matters at this age
Pre-existing disease cover
Fixed by the insurer and the age band. Check it per plan before anything else — a cheaper plan without it can be the far more expensive choice.
Read the guideSub-limits
A plan can advertise a large sum insured and still cap individual treatments well below it. The waiver of sub-limits removes those caps, and matters most where a hospital stay is most likely.
Read the guideMedical evacuation
Being flown home, or to a hospital that can treat you, costs more than the treatment in many cases. Check the evacuation and repatriation limits, not just the headline sum insured.
Read the guideHonest declaration
An undisclosed condition is the most common reason a claim on an older traveller is refused. Declaring more than you think necessary costs nothing.
Common questions
Is there an upper age limit for travel insurance from India?
Not in the way people expect. We publish a rate table up to age 99 and above, from 5 insurers. Separately, IRDAI removed the 65-year age cap on buying health insurance with effect from 1 April 2024, so age alone is no longer a reason to be refused. Above 85 we stop showing a price list because cover at that age is underwritten individually rather than taken from a table — speak to Ashutosh and he will get a quote.
Does travel insurance cover pre-existing conditions for senior citizens?
Some plans do and some do not, and it is the insurer who decides — never the traveller. In our data 71% of rates in the 61-70 band include pre-existing disease cover, 60% at 71-75 and 64% at 81-85. Bajaj Allianz and Tata AIG include it on every single-trip rate we hold; IndusInd includes it only up to age 70. Because you cannot choose it, we show it as a column against every plan rather than as a question in the form.
Is there a waiting period for pre-existing conditions?
No. IRDAI reduced the pre-existing disease waiting period for health insurance to a maximum of 36 months, but that norm explicitly does not apply to overseas travel policies. What matters on a travel policy is simply whether the plan you buy includes PED cover at your age — if it does, it applies from the start of the trip.
How much more does it cost at 75 than at 65?
Using the same 15-day trip worldwide excluding the USA: ₹1,347 in the 61-70 band against ₹2,426 in the 71-75 band. Premiums step up at each band boundary rather than climbing smoothly with each birthday, so a traveller who is 70 and one who is 71 can pay noticeably different amounts for the same trip.
Do I need a medical test?
For the plans in our rate tables, no — they are sold off a published rate chart by age band, not individually underwritten. Above 85, where cover is arranged case by case, the insurer may ask health questions. What is always required is honest declaration: a condition you did not disclose is the most common reason a claim on an older traveller is refused.
Should I pick a higher sum insured for an older traveller?
Generally yes, and check the sub-limits as carefully as the headline figure. A plan can advertise a large sum insured and still cap individual treatments well below it, so a serious hospital bill is only partly paid. The waiver of sub-limits is what removes those caps.
See the real premium for their age
Enter the traveller’s date of birth, destination and dates. Every matching plan appears with its actual price and whether it includes pre-existing disease cover. Free, and we earn no commission from any insurer.
Compare plansSources for the non-price facts on this page: IRDAI removed the 65-year age cap on buying health insurance with effect from 1 April 2024, and its pre-existing disease waiting-period norm does not apply to overseas travel policies. Insurer rules change — the premiums and PED percentages above are read live from our rate tables and update whenever the insurers revise them.