Today senior citizens are at a loss on how to continue paying increasing premiums as they age and need for health coverage alos increases. While health insurers are always pleading for increasing premiums as per their claim v/s premium records, they should also understand the decreasing incomes as the clients age.

I strongly feel that health insurance policies should be structured similar to term and life insurance policies with FIXED PREMIUMS over the total duration of the policy. Even better, stoppage of premiums post retirement or fixed age (say 60/65 yeras) but coverage continuing for life. Any body listening in the insurance world?