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      Health Insurance for Parents

      All children want to see their parents happy and healthy. But as our parents age, the chances of developing a medical condition increase. As per the World Health Organization (WHO), old age can lead to health problems, such as diabetes, osteoarthritis,  joint pain, back pain, cataract, loss of hearing, dementia, etc. Buying health insurance for parents is the best way to ensure top-quality medical treatment for your parents without exhausting your savings.

      Read More

      What is Health Insurance for Parents?

      Health insurance for parents has been designed to provide comprehensive coverage to parents against healthcare expenses that may result from age-related issues. It covers your parents against the high cost of hospitalization and treatment against health complications that may lead to a financial burden.

      Ideally, the best health insurance for parents should come with a lower pre-existing disease (PED) waiting period, higher sum insured, annual health check-up benefit, lower co-payment, cashless treatment, etc. Moreover, non-resident Indians or NRIs can also buy health insurance plans for their parents living in India.

      People also read: Health Insurance for NRI Parents in India

      Why Do Your Parents Need Health Insurance?

      Here are some of the reasons why you must buy health insurance for your parents:

      More Prone to Age-related Health Complications

      As people near 60 years, they become vulnerable to various age-related health issues like joint pain, diabetes, high blood pressure, cataract, etc. Treating these age-related complications is expensive and goes on for a long time. Health insurance can help you stay financially prepared if your parents face a medical emergency and get them the best available treatment without any delays.

      Rising Healthcare Costs

      Medical inflation in India is at an all-time high, making hospitalization and healthcare services super expensive. Even a brief hospitalization of your parents can cost you lakhs of rupees. But if your parents are covered under health insurance, you can avail hassle-free cashless treatment at a network hospital of your insurer.

      No Compromise on Quality of Treatment

      With medical inflation at its peak, you may feel pressured to compromise on the quality of your parent's treatment due to lack of funds. However, you can provide top-quality treatment to your parents at the best hospital in your city if you have health insurance for parents above 60 years.

      Safeguard Your Parents' Retirement Funds

      A severe medical emergency can exhaust your parents' retirement funds in a jiffy. It can break all their retirement dreams. But with health insurance for parents, you can protect your parents' lifelong savings so that they can fulfil their retirement goals rather than spending the money on hefty medical bills

      Read More

      Recommended Best Health Insurance Plans for Parents

      As several health insurance plans are available in the market, it is essential to compare and zero down on the best medical insurance policy for parents in India. Below are some of the best health insurance for parents above 50 years:

      Health Insurance Plans for Parents Entry Age Sum Insured
      (in Rs)
      Co-payment Pre-Policy Medical Tests
      Aditya Birla Activ Care Plan Min: 55 years
      Max: 80 years
      3 lakh to 25 lakh 10% under the Premier variant, 20% under Standard and Classic variants Required
      Bajaj Allianz Silver Health Plan Min: 46 years
      Max: 80 years
      50,000 to 10 lakh 10% under Plan B, 20% under Plan A for treatments availed at non-network hospitals Required
      Care Senior Health Advantage Plan Min: 5 years
      Max: No limit
      1 lakh to 3 crore No co-payment Required after 50 years
      Cholamandalam Flexi Health Supreme Plan Min: 18 years
      Max: 75 years
      5 lakh to 5 crore NA Required
      Digit Health Insurance Plan Min: 18 years
      Max: No limit
      2 lakh to 3 crore 10% for treatments availed at a higher zone category May be required
      Future Generali Varishta Bima Min: 60 years
      Max: No limit
      2 lakh to 10 lakh 50% on PED claims, 25% on non-PED claims Required if the sum insured above Rs 5 lakh
      HDFC ERGO Optima Senior Plan Min: 60 years
      Max: No limit
      2 lakh to 5 lakh 15% for shared accommodation in hospitals, 30% for single occupancy in hospitals Required
      IFFCO Tokio Individual Health Protector Plan Min: 18 years
      Max: 65 years
      50,000 to 20 lakh No co-payment Required after 45 years
      Kotak Mahindra Health Premier Plan Min: 18 years
      Max: 65 years
      2 lakh to 2 crore 10% or 20% for treatment availed at a higher zone category Required
      Liberty HealthPrime Connect Plan Min: 18 years
      Max: 65 years
      10 lakh to 1 crore No co-payment Required
      Magma HDI OneHealth Senior Plan Min: 56 years
      Max: 75 years 
      3 lakh to 25 lakh 30% on non-accidental claims May be required
      Manipal Cigna Prime Senior Plan Min: 56 years
      Max: 75 years
      3 lakh to 50 lakh 20% Not required
      National Senior Citizens Mediclaim Policy Min: 60 years
      Max: 80 years
      1 lakh to 10 lakh No co-payment Required
      New India Assurance Sixty Plus Mediclaim Policy Min: 60 years
      Max: 80 years
      2 lakh to
      5 lakh
      10%  Required
      Niva Bupa (Formerly known as Max Bupa) Senior First Plan Min: 61 years
      Max: 75 years
      5 lakh to 25 lakh 50% on all claims, 60% on taking a higher hospital room category Not required
      Oriental HOPE Insurance Plan Min: 60 years
      Max: No limit
      1 lakh to
      5 lakh
      20% Required
      Raheja QuBE Health Insurance Plan Min: 18 years
      Max: 65 years
      1 lakh to 50 lakh 20% for people above 60 years, except for the Super Saver plan Required for people above 55 years and a sum insured of Rs 10 lakh & more
      Reliance Health Gain Plan Min: 18 years
      Max: 65 years (No limit for sum insured of Rs 3 lakh)
      3 lakh to 1 crore 20% for people above 60 years Required above 50 years
      Royal Sundaram Lifeline Health Insurance Plan Min: 18 years
      Max: No limit
      2 lakh to 1.5 crore 20% on claims resulting from international treatment for critical illness NA
      SBI Super Health Insurance Plan Min: 18 years
      Max: No limit
      3 lakh to 2 crore 20%, 30% or 50% on OPD claims Required
      Star Senior Citizen Red Carpet Health Insurance Plan Min: 60 years
      Max: 75 years
      1 lakh to 25 lakh 30% Not required
      TATA AIG ElderCare Plan Min: 61 years
      Max: 25 lakh
      5 lakh to 25 lakh 20% Required
      United India Individual Health Insurance - Senior Citizen Policy Min: 61 years
      Max: 80 years
      2 lakh to 5 lakh No co-payment May be required
      Universal Sompo Senior Citizen Health Insurance Plan Min: 60 years
      Max: 70 years
      1 lakh to 5 lakh 10% on hospitalization claims, 15% on day care treatments & 20% on PED claims Required
      Zuno (Formerly Edelweiss) Health Insurance Plan Min: 18 years
      Max: 65 years (No limit under the Platinum variant)
      1 lakh to 1 crore 20% for people above 60 years Required after 50 years
      See More Plans
      *Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      What is Covered Under a Health Insurance Policy for your Parents?

      Health insurance for parents covers the following medical expenses:

      • Hospitalization Expenses - It covers the medical expenses incurred by your parents on getting admitted to a hospital for more than 24 hours.
      • Pre-Hospitalization Expenses- It pays for diagnostic tests and doctor consultations before your parents get hospitalized. Usually, it ranges from up to 30 days to up to 90 days before hospitalization, depending on the plan.
      • Post-Hospitalization Expenses - It covers the medical expenses incurred after your parents are discharged from the hospital. Usually, it ranges from up to 60 days to up to 90 days after hospitalization, depending on the plan.
      • Day Care Procedures It pays for day care treatments like varicose veins surgery, cataract surgery, etc., that do not require your parents to get hospitalized for 24 hours. The number of day care procedures covered depends on the opted plan.
      • AYUSH Benefit - It covers the medical expenses incurred on the in-patient treatment of your parents availed through the AYUSH system of medicines, including Ayurveda, Homeopathy, Unani, Siddha and Yoga.
      • Pre-existing Diseases - It pays for the treatment of your parents’ pre-existing diseases after a waiting period ranging from 2 to 4 years. However, several health insurance plans now offer pre-existing disease (PED) cover from day 1.
      • Major Surgeries - It covers the cost of major surgeries, such as knee replacement surgery cost, brain surgery, bariatric surgery, liver transplant surgery, open heart surgery cost, etc.
      • Health Check-up Benefit- It pays for the medical expenses incurred on your parents’ preventive health check-ups.
      • Domiciliary Treatment- It covers the cost of providing domiciliary treatment to your parents if hospitalization is not possible.
      • Organ Donor Expenses- It pays for the cost of harvesting the donated organ for your parent’s transplant surgery.
      • Home Treatment- It covers the medical expenses incurred on providing home treatment to your parents on the advice of a doctor.
      • Modern Treatments- It pays for the cost of 12 modern treatments that your parents may avail, including deep brain stimulation, oral chemotherapy, robotic surgeries, etc.
      Read More

      How to Choose the Right Health Insurance for Your Parents?

      Buying adequate health insurance coverage for your parents is essential to ensure the best medical treatment without financial worries. Although there is a wide variety of senior citizens health insurance plans available for your parents, you should keep the following points in mind while purchasing a health plan for your ageing parents:

      Opt for Maximum Coverage

      While buying health insurance for your parents, you should choose a policy that offers maximum coverage at an affordable price. Make sure to opt for a plan that covers a large number of critical illnesses, day care procedures, home treatment, domiciliary hospitalization, etc.

      Go for a Lower PED Waiting Period

      If your parents have pre-existing medical conditions like diabetes, hypertension, etc., then make sure to choose a health plan that has a lower PED waiting period of 1-2 years. You can also opt for a plan that offers pre-existing disease cover from day 1 of the policy.

      Choose an Adequate Sum Insured

      Since your parents are more vulnerable to age-related health risks, you must opt for a health insurance policy with a high sum insured of at least Rs 20 lakh. A higher sum insured will ensure the best available treatment for your parents without any financial constraints.

      Go for a Lower Co-Payment

      Co-payment refers to the percentage of the claim amount that you will have to pay at the time of claim settlement. While choosing a health policy for your parents, make sure to opt for a low co-payment that you can afford to pay during claim settlement. You can also go for plans that come with a ‘no co-pay’ clause.

      People also read: Co-Payment in Health Insurance

      Choose an Individual Policy

      Parents are more prone to age-related ailments and hence, they attract a higher insurance premium. If you add your parents to your family health insurance policy, you may end up paying an exorbitant premium. Hence, buying an individual health insurance plan for parents is recommended instead of adding them to your existing family floater plan.

      Check the Network Hospitals List

      Make sure to go through the list of network hospitals associated with the insurer while choosing a health insurance policy for your parents. Go for an insurer that has some of the reputed hospitals in your vicinity in its network so that you can avail cashless treatment even during a medical emergency.

      Compare Different Health Insurance Plans

      To buy the best medical insurance policy for parents in India, make sure to compare different health insurance plans available in the market. You can compare various health plans online on policybazaar.com and choose the policy that best suits your health needs & budget.

      Read More

      What is Not Covered by Health Insurance for Parents?

      The following medical expenses are not covered by health insurance for parents:

      • Self-inflicted injuries or an attempted suicide
      • Treatment for overconsumption of alcohol, intoxicants and drug overdose
      • Cost of spectacles, lenses and other external aids
      • Cost of dental treatments (unless it is an accidental case)
      • Plastic or cosmetic surgeries
      • Correction of a refractive error of less than 7.5 dioptres
      • Unproven treatments
      • Stem cell therapy
      • Venereal diseases
      Read More

      FAQs

      • Q: Can I take medical insurance for my parents?

        Ans: Yes. You can take health insurance for your parents to ensure the best medical treatment for them during a medical emergency without any financial worries. 
      • Q: Is it worth to buy health insurance for parents?

        Ans: Yes. Buying a health insurance policy for your parents is a good decision as it provides comprehensive medical coverage to your parents during a medical contingency. Moreover, it will prevent you from using your savings to pay your parents’ medical bills.
      • Q: What insurance should I get for my mother?

        Ans: You can buy a health insurance plan for parents to cover your mother’s medical expenditures.
      • Q: My parents have a pre-existing disease. Can I buy health insurance?

        Ans: Yes, you can buy health insurance for your parents even if they have a pre-existing illness. You only need to disclose their pre-existing illness to the insurer at the time of policy purchase. You can choose to buy a health insurance plan with a low pre-existing disease waiting period or with day 1 coverage.
      • Q: Is there any age limit while buying health insurance for parents?

        Ans: Yes, all medical insurance plans for parents have an age criterion. Do check the age limit before choosing a health policy for your parents. 
      • Q: Is there any medical test required to buy health insurance for parents?

        Ans: Most health insurance plans require a pre-medical screening for applicants above the age of 45 years. Hence, your parents may have to undergo a pre-policy medical check-up before buying the policy. 
      • Q: Can I cover my parents in my existing health insurance policy?

        Ans: Yes, you can cover your parents in your existing medical insurance policy if it is a family floater policy. However, adding your parents to your policy may increase your premiums substantially. Hence, buying an individual policy for your parents is recommended to keep your premiums affordable.
      • Q: How can I enhance my parents’ insurance coverage?

        Ans: You can enhance your parents’ health insurance coverage by opting for a higher sum insurer at the time of renewal. You can also opt for a critical illness rider to further enhance the coverage benefits.  
      • Q: Which mediclaim is best for parents?

        Ans: There are several health plans from different insurance companies that you can consider buying for your parents. A good health insurance policy for your parents must include critical illness cover, lower pre-existing diseases waiting period, cashless hospitalization, domiciliary hospitalization, organ donor cover and a higher sum insured. You can compare different plans online on Policybazaar.com to find the most suitable policy for your parents.  
      • Q: Are tax benefits available on health insurance for parents?

        Ans: Yes, you can earn tax benefits of up to Rs 25,000 on the health insurance premium paid for your parents under Sec 80D, Income Tax Act. If your parents are above 60 years, you can claim tax benefits of up to Rs 50,000 in a financial year.  
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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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