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Health Insurance For Parents

Health Insurance for Parents

  • Pre and Post Hospitalisation Covered
  • Annual Health Checkup for Insured Members
  • Covid Hospitalisation Covered
  • Best Medical Insurance for Parents above 60 years
Cashless Healthcare Providers^^
38 Lakh+
Insurance Claims Settled**
Claim and Customer Support
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It is pure bliss to have ageing parents at home and gain the blessings they shower upon us. There is no denying that parents brave all challenges to shape our lives, guiding us through various phases. They gave us the best of everything, even before we could ask for it. Now, as they step into the golden years, it is our foremost responsibility to give them the medical attention they deserve, as ageing catches up and brings unavoidable health issues. Therefore, investing in health insurance for parents will keep them financially safe during their retirement years and give you peace of mind. 

Having best health insurance for parents entitles your ageing parents to secure their savings by availing of tax benefits. Besides, if they are above 60 years, they can get a higher Section 80D deduction limit on the health insurance premium, up to Rs 50,000 per year, and a total deduction up to Rs 1 lakh, if the proposer and insured in a floater plan are above 60 years. Indeed, old age is a crucial stage when your parents need the utmost care and financial support. That is achievable if you choose a health cover or mediclaim for parents specifically designed to cover the hefty hospital bills they are likely to incur due to an ailment, injury, or an existing condition.

What is Health Insurance for Parents in India?

The rising age-related health issues and medical inflation make medical insurance cover all the more essential. Health insurance for parents is a separate health cover that you can opt for your ageing parents and get maximum coverage for various medical treatment expenses. The parents health insurance includes several benefits, like cashless hospitalisation, daycare treatments, annual health check-ups, and alternative treatment, while protecting your savings during unforeseen medical emergencies.

You can opt for an individual plan, a family floater cover, or senior citizen health insurance if your parents are above 60. With prior planning and some research, we can help you find the best health insurance plan for parents in India to secure a healthy future for your elder ones.

Types of Mediclaim Policy for Parents

Depending on the specific healthcare and insurance requirements, you can choose the best health insurance for parents. Here are some customised medical insurance policy for parents for your aged parents:

  • Individual Health Insurance Cover: It is an ideal medical policy for senior citizen parents or individuals having specific medical conditions. The key differentiation of this plan is that every insured member gets covered up to the total sum insured opted with the policy, and members do not share the sum insured with other policyholders- as in the case of family floater plans.
  • Family Floater Health Cover: Those of you having dependent parents at home can also opt for a best parental health insurance that provides coverage for all your immediate family members. These plans are quite affordable compared to individual health plans.
  • Senior Citizen/Parents Health Insurance Plan: It is the best medical insurance policy for your parents if they are above 60 years of age. This plan comes with a higher sum insured and unique benefits to fulfil your parents’ healthcare needs.
  • Super Top-up Health Insurance: It is a type of health insurance that your parents can avail to boost their existing coverage. It is an affordable way to get a higher sum insured as there is no need to pay a high premium for upgrading your parents’ current health policy. It works on the principle of deductible and covers multiple claims in a policy year.

>>Click to Know More About Family Health Insurance Plan

Benefits of Health Insurance for Parents

You can now provide the best medical care for your ageing parents without facing any financial hurdles. The high-risk factor due to coronavirus and medical inflation are some challenges facing all of us right now. Thus, while choosing the best mediclaim policy for parents, look for the following benefits-

  • Cashless Medical Treatment: The thought of arranging money for paying hospital bills will no longer bother you or your parents. Your parents can go for any planned surgery or get emergency treatment at our network of 22900+ hospitals, and we will directly settle the expenses, subject to policy T&C.
  • High sum insured: There is a higher health risk and increased possibility of hospitalization during old age. On top of it, medical inflation is soaring faster than our expectations. We understand the necessity of health insurance for all conditions, hence we offer parent health insurance to provide maximal insurance cover against inflation rates.
  • Coverage for pre-existing illness: There is a chance that elderly parents might be dealing with a pre-existing ailment, say diabetes or a heart problem. Picking a medical policy for parents that covers such illnesses—subject to a waiting period—will ensure extensive protection against burdening expenses.
  • Covid-19 Coverage: The elderly are more at risk of coronavirus-related complications. Getting parental insurance with coronavirus cover is more like a financial safety shield in times of uncertainty. It will cover hospitalisation-related expenses due to Covid-19, thus securing your parents’ health amidst the pandemic.
  • Tax Benefits: You can avail of tax savings by claiming a deduction of up to Rs 1,00,000 on the medical insurance premium for parents you pay, as per Section 80D of the Income Tax Act.
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Health Insurance for Senior Citizens

Your Parents have always care for you, Now its your TURN

  • No Pre-policy medical check-up
  • Annual Health check-up for all insured persons
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Family Health Insurance

Health Insurance that Covers your Loved Ones

  • Annual Health Checkup & Save Tax 
  • Modern Treatments Coverage
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Heart Health Insurance

Health Insurance that Covers Pre-existing Heart Ailments

  • 541+ Day Care Treatments
  • AYUSH Coverage
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Super Top up Health Plan

Boost Your Existing Health Cover With Super Top Up Plan

  • Financial Cushion for Medical Emergencies
  • Support for Critical Diseases
Reasons to Choose Senior Citizen Health Insurance

Why do you need Medical Insurance for Parents?

Seeing parents grow older is bound to have an emotional impact on most of us. Also, we realise that our parents require constant support and timely care for a happy and healthy life during old age. While we shower them with abundant love and care, offering financial support can become challenging, especially during medical emergencies. Your parents may be dependent on you monetarily. Besides, getting quality medical treatment in India is an expensive proposition. That is why you need a support system to safeguard your family’s future in times of adversity.

A medical insurance for parents acts like a safety cushion that lets your loved ones manage health crises without worrying about expenditures. Also, a good healthcare cover enables you to get quality medical care to treat your parent's illnesses most affordably. As ageing people are at a greater risk of facing illness and poor health conditions, it is wise to opt for condition-specific health insurance plans for parents. Moreover, the chances of hospitalisation due to a pre-existing medical condition, chronic ailments, or surgeries are higher in old age. These health plans for parents offer various financial benefits and thus let you focus on delivering care and comfort to your parents.

How to Choose Health Insurance for Parents in India?

There are different health insurance plans you can get for your parents. However, a suitable health insurance policy must include coverage for pre-existing diseases, cashless hospitalisation, and a higher sum insured. Consider these factors when buying a health insurance for parents:

  • Check the Entry Age Criteria: You can easily find the best health policy for parents without any restriction on the maximum entry age. However, to get a senior citizen health insurance policy, an individual should be at least 61 years or above.
  • Type of Coverage: Best parental health insurance plans have two coverage options, namely individual and floater. Depending on whether you need individual healthcare insurance or a combined one for your entire family, you can opt for the individual or floater cover respectively. We recommend opting for individual plans for parents to ensure the sum insured is sufficient in the need of the hour.
  • Coverage Amount: We should look for health insurance for parents with high sum insured. When selecting a health cover for parents, ensure they get adequate coverage and protection.
  • Policy Benefits: Check the benefits offered in the policy, which should include cover for modern day-care procedures, pre and post-hospitalization medical expenses, and alternative treatments.
  • Co-payment: Co-payment is a mandatory aspect of medical insurance for parents. Under this feature, the policyholder must pay a certain percentage of the hospital bills. When selecting a policy, remember to opt for plans with a waved-off co-payment feature. CHI helps you to wave off the standard 20% co-payment with an add-on benefit.
  • Waiting Period: While opting for medical insurance for parents in India, check for the waiting period clause. Health plans have an initial waiting period of 30 days, a 2-year waiting period for specified diseases, and a 4-year waiting period for pre-existing illnesses. When reviewing the plans, do remember that the lower the waiting period, the better it will be, so that you can get coverage without any delay.
  • Renewability: The best health insurance for parents provides a lifelong renewability option. It helps your parents in getting continued coverage in the future. Always check if the feature is available while selecting an option.
  • Daycare Treatments: These days, minimally invasive surgeries, cataract surgery, chemotherapy, dialysis, etc., are possible in daycare. So, always apply for a policy that covers a maximum number of daycare treatments.
  • Cashless Network Hospitals: When buying a health policy for parents, you must check the list of cashless hospitals that are included by the company. Find out the network hospital(s) nearest to your locality, so that you can get a timely and hassle-free claim for your parent's medical treatment.
  • Read the policy documents: When reviewing and comparing medical insurance plans, you must carefully go through the details of your policy documents. Look for the inclusions—treatments for which your parents will be covered and the exclusions—the cases when you cannot make a policy claim.

So, look for a good mediclaim policy for parents by considering various factors such as low copayment amount, age, policy inclusions, and exclusions, waiting period, and the premium. Make a selection of the plan that best suits your requirements and also has add-on benefits. Also, check for an easy payment mode and claim settlement process. Finally, submit the essential documents and complete the formalities on time, so the policy can benefit your parents when need be.

Why Buy Health Insurance for Parents Online?

Convenient Policy Selection

No need to schedule countless appointments for discussing policy details. Care Health Insurance offers an all-digital policy selection experience wherein you can study, compare, choose, and pay for the best health insurance for parents from anywhere, anytime.

Chat Option for Queries

The CHI team is readily available for all your queries concerning the terms and conditions of our healthcare policies. You can use the live chat option to discuss any policy-related matter at your convenience.

Instant Quote Calculation

We facilitate digital premium and coverage calculators to help you opt for customised parents health insurance.

Secure Payment Modes

We provide digitally secure payment options, including credit/debit cards, or net banking. Once issued, you shall receive authentic policy documents immediately.

Transparent Policy Evaluation

What we promise on paper is what you get in times of medical and healthcare needs. Our parents’ healthcare policy comes attached with all the terms and conditions for your ready reference.

Easily Available Value Added Services

While browsing online through our healthcare policy for parents, you can easily check out other add-on benefits. These include COVID and OPD care, co-payment waiver, reduced wait time, among others to cover your specific needs.

What is Covered under Mediclaim Policy for Parents?

Avail health cover for your senior citizen parents so that they can access the best medical facility during any emergency hospitalisation. You get the choice to pick an individual or a floater option and get the following coverage and benefits:

  • Hospitalisation cover: The plan covers in-patient care and medical treatment expenses, including ICU charges you incur while your parents are hospitalised.
  • Daycare treatments cover: Thanks to the progress made in medical science, many surgeries and treatments do not require you to stay in a hospital for more than a day. Your parents can now get coverage for modern daycare treatments- making this policy the best health insurance for parents.
  • Pre and Post-hospitalization coverage: The insurance covers medical expenses, such as diagnostic tests and medication, up to 30 days before hospitalisation and up to 60 days after discharge from the hospital.
  • Pre-existing diseases coverage: The mediclaim policy for parents will cover treatment expenses for pre-existing diseases, subject to a minimum waiting period, ensuring that they get medical care without delays.
  • Second opinion: The policyholder is entitled to get a second opinion for any major illness or injury in a policy year.
  • Organ donor cover: For treating a critical ailment, one may incur organ donor expenses. We cover medical expenses up to the specified amount, subject to policy T&C.
  • Automatic recharge: If you exhaust the sum insured, it automatically gets reinstated up to the sum insured per policy year, under the benefit of automatic recharge.
  • No claims bonus: We reward the insured for not filing a claim. One gets a specified percentage increase in SI for every claim-free year.
  • Annual health check-up: Your parents can get medical check-up benefits annually to keep a constant track of their health.

How Care Health Insurance Plans Can Help You?


Cashless Healthcare Providers^^

38 Lakh+

Claim Settled**


In-house settlement for better management


Industry best claim settlement ratio*


Less grievance ratio per 10,000 claims

What is not covered under Health Insurance for Parents?

Buying an insurance policy for parents is a wise decision as you have ensured that you get the possible medical facility for them without burning a hole in your pocket. When reviewing an option, remember to check the various scenarios, also called exclusions, that mention the expenses the policy will not cover. The exclusion of our parents’ healthcare insurance are listed below:

  • Diagnosis of any disease, undergoing surgery or occurrence of an event, signs of which occur within the first 30 days of policy period start date
  • Expenses as a result of self-inflicted injury (due to suicide or attempted suicide)
  • Medical expenses resulting from the treatment of congenital diseases or due to alcohol/drug use, misuse, or abuse
  • Medical treatment expenses due to pregnancy and childbirth, miscarriage, abortion, and its consequences
  • Treatment and tests for infertility and in vitro fertilisation
  • Hospitalisation expenses resulting from war, riot, strike, or nuclear weapons attack.

Mediclaim for Parents - Eligibility Criteria

The insured person should be:

  • Aged between 60 and 80 years to avail the health insurance for parents above 60
  • Senior citizen parents up to a maximum age of 65 years are entitled to life-long renewability of their health insurance policy

Documents Required for Parental Insurance

Mentioned below are the vital documents that need to be submitted for availing of a mediclaim policy for parents:

  • Proposal Form
  • Medical Check-up Report, if required
  • Pre-existing medical condition reports (if any)

Tips for Ageing Parents to Achieve Good Health and Overall Well-Being

Your elderly parents might know all the secret recipes for ageing gracefully and yet miss out on some crucial health risks. Here are some health tips for senior citizens:

  • Exercises: Staying physically active will help your elderly parents drive the fatigue and lethargy away, which is natural as one grows older. Physical activity is vital for improving joint flexibility, bone strength and physical endurance and ensuring overall well-being.
  • Healthy Eating: Elders must listen to their nutritional requirements carefully. A proper nourishing intake can help senior citizens to prevent illnesses and fight diseases with a better immune system. Eating a well-balanced diet that mainly includes immunity-boosting foods is vital. Besides, sufficient water intake helps the body maintain energy levels.
  • Adequate Sleep: Changing sleep patterns and signs of insomnia or sleep apnea require attention, and older adults need at least 8 hours of restful sleep in a day. Setting a sleep schedule, following relaxation techniques, and encouraging good sleep habits will ensure they get uninterrupted and restful sleep.
  • Mental Health: Age-related memory loss is common, but one should take measures to prevent the progressive damage caused by stress and ailments like Dementia and Alzheimer's disease. Practising meditation, staying physically active, and having foods that boost cognitive functions work best for mental health.
  • Regular health check-ups: Monitoring the health is vital as one grows older since it helps identify hidden health problems and get treatment early before complications arise. So, never postpone visits to the doctor or the dentist.
  • Stay away from Myths: Several ageing-related myths exist that would only make you more anxious. The common belief is that growing older means poor health and various illnesses. However, one should realise that we can make positive changes to our lifestyle, thus, allowing a person to stay healthy, and defeating the challenges that ageing poses before us and delaying the onset of diseases.
  • Connect socially: Spending time with loved ones, whether new friends, family, children, or grandchildren, will make your elderly parents feel upbeat and give them a fresh perspective on life. It will help them drive away loneliness and achieve a positive impact on their physical and mental health.
  • Develop new interest: Retirement is the phase of life that gives a person ample time to pursue new interests and hobbies, may learning a new language, travelling to a new place, involving in community work, or buying a second home – it is never too late to make a beginning.

^Applicable on 3 years policy

*IBAI Claims Handbook for FY 19-20

Voice Of Customer

Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.


Awarded as Best
Health Insurance Company of the year^


38 Lakh+ Claims Settled*



^India Insurance Summit & Awards 2023

FAQs on Health Insurance for Parents

Q. How do I get health insurance for parents in India?

Getting the best medical insurance for parents in India now takes only a few clicks. You can reach out to us via call, and our health experts will assist with the overall buying process digitally.

Q. Why is it not advisable to include my parents in a family floater plan?

It is not advisable to include senior citizen parents in a family floater plan. This is because the premium in family floater policies, as well as the renewability, is based on the age of the eldest family member. So, covering a senior citizen parent in a family floater plan will burden you with higher premium costs.

Q. My parents have diabetes/hypertension. Can I buy mediclaim for my parents

Yes, you can get mediclaim for parents by opting for an individual health cover that will give adequate coverage and protection against medical expenses. CHI offers a customised health cover, Care Freedom, for those having diabetes/hypertension.

Q. How to renew health insurance for parents?

You can renew the health insurance for parents online. Here are the steps to follow:

  • Notify us and raise a request for the policy renewal within the specified time before the policy lapses.
  • Provide complete details, including the policy number and information regarding any change in the medical condition.
  • Pay the health insurance premium through any secured payment mode, such as credit card, debit card, or net banking.

Q. What is the procedure to file a claim under mediclaim for parents?

You can get a claim for parents under the mediclaim policy in two ways - cashless claim and reimbursement claim. Here are the steps to avail of the cashless facility:

  • Select a network hospital for cashless medical treatment
  • Duly fill and submit the pre-authorization form at the hospital TPA desk, along with ID proof of the patient
  • The hospital will send us the documents
  • Our claim management team will verify the documents. It may raise a query if required
  • The claim management team will share an approval letter

Here are the steps to avail of the reimbursement claim facility:

  • Fill the reimbursement claim form and attach all the required documents.
  • Submit the form to us and share the required documents.
  • The claim management team may raise the query.
  • Once the documents are verified by us, you will get an approval letter from the claim management team.
  • After approval, the hospitalisation expenses will be reimbursed up to the sum insured.

Q. Is there any prior medical test involved while buying a medical policy for parents?

There are no pre-policy medical check-ups required for choosing a medical policy for senior citizen parents. However, the underwriter may recommend a pre-medical check-up in some cases.

Q. Does Health Insurance for Parents offer Tax Benefit?

Yes, the premium paid towards health insurance for parents is eligible for tax deduction under section 80D. With a senior citizen mediclaim policy, a person can avail a deduction of Rs 50,000 in a year and a maximum deduction up to Rs 1 lakh if the proposer and insured are senior citizens. The tax exemptions are subject to the rules and regulations of the Income Tax Act.

Q. What is the maximum age to get Parents Health Insurance?

There is no maximum limit on the entry age to get health insurance for parents. It provides the lifelong renewability option, and one can get continuous coverage through regular policy renewal.

**Number of Claims Settled as of 31st May 2023

^^Number of Cashless Healthcare Providers till 31st Dec 2022.

^10% discount is applicable for a 3-year policy

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