Products like Bhavishya Arogya which can be bought in younger ages to build up health protection for older age. Life Insurers have recently launched products with Health savings components. Under such plans a portion of the premium collected is used for risk coverage or for meeting claims and the unutilized portion of the premium which is not used does not lapse but is accumulated as savings. These savings could be a solution for the challenges faced by senior citizens later in obtaining affordable health insurance. Health Saving accounts are usually combined with a high-deductible or catastrophic health insurance.