Q. Which health insurance for parents covers both parents under a single policy?

Most insurers offer family floater health insurance plans, especially designed to incorporate multiple family members, such as both parents under a single policy. A family floater plan pools the sum insured for all insured members, enabling flexible coverage amount usage between both parents as required.

Q. What are the best health insurance options for parents above 60 in India?

Many insurers offer specialised health insurance for parents tailored to their needs. These plans provide coverage for hospitalisation, pre-existing conditions, and other age-related health problems. One of the best options is Care Health Insurance products, customised to meet user requirements.

Q. Which plans offer the best network of hospitals for parents' health insurance?

Most insurers incorporate several network hospitals for parents under their health insurance plans. Care Health Insurance is known to be one of the best insurers, as it includes more than 11,500+ network hospitals and 21,700+ healthcare providers across India.

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 contact us at Care Health Insurance via the phone number on the website, and our health experts will assist with the overall digital buying process.

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

Including senior citizen parents in a family floater plan is not advisable. 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 result in higher premium costs.

Q. Can I buy a mediclaim for my parents as they have diabetes/hypertension?

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

Q. Are any prior medical tests involved while buying a medical policy for parents?

No pre-policy medical check-ups are required to choose 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 a Tax Benefit?

Yes, the premium paid towards health insurance for parents is eligible for tax deduction under section 80D.

Q. What is the maximum age for getting parents' health insurance?

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

Q. Can I buy senior citizen health insurance for my 67-year-old father?

Yes, you can get your father's senior citizen health plan even if he is 67. This plan is specifically for people over 60.

Q. What does a pre-existing condition mean in health insurance?

A pre-existing condition is any medical condition or injury a person has before a new health insurance plan commences.

Q. Can I buy parental insurance for my mother with a pre-existing medical condition?

Yes, there are various health insurance options for seniors with PEDs. You can purchase health insurance for parents, although the premiums might be slightly higher.

Buy Health Insurance for Parents Starting @₹53/Day*

Benefits of Buying Health Insurance for Parents

A specialised parental insurance policy offers targeted benefits for older adults and their medical needs. These enclose:

Coverage for pre-existing diseases after completing the defined waiting period in the policy, depending on the insurer
Annual health check-ups and wellness support
Comprehensive coverage includes hospitalisation, advanced treatment, organ donation, day-care procedures, and more.
Cashless treatment services at thousands of network hospitals across India.
Tax benefits are an attractive benefit. Premiums paid for parents' medical insurance are eligible for tax deductions under Section 80D of the Income Tax Act, up to Rs 75000.
Pre and Post-hospitalisation expenses include clinical costs incurred before and after hospitalisation.
A lifetime renewability option is essential for parents of advanced age.
Affordable premiums are designed keeping senior citizens in mind, offering coverage options tailored to their needs.
Many of the best health insurance policies for parents now also cover OPD consultations, second medical opinions, and home care treatment.

Note: Tax benefits apply only under the old regime. If you file under the new regime, you won't be eligible for this benefit.

Features of the Best Health Insurance for Parents in India

The insurance industry offers several plans for parents, but what makes the medical insurance for parents in India stand out? Look for some of these features:

High Sum Insured Options: They ensure the policy covers substantial amounts. They offer a comprehensive economic shield in case of emergency hospitalisation or medical treatment.
Minimal Waiting Periods for Pre-existing Conditions: Parental policy ensures shorter waiting periods for pre-existing conditions so that your parents can get the maximum coverage for any health experience they may have, or may experience later.
Cashless Network: Many network hospitals offering cashless treatment enable parents to receive clinical care without paying upfront, simplifying the claim process.
No Co-payment Options: It is an ideal benefit for simplifying for seniors over 60. A policy with no co-payment ensures the insurer covers all medical costs, eliminating the need for shared expenses that can be overbearing for senior citizens.
Flexibility: Health insurance for parents offers flexibility, allowing them to choose from a range of coverage options and benefits tailored to their specific health needs, including critical illness, hospitalisation, and additional features.
Preventive Health Check-ups: They enable the parents to undergo frequent clinical screenings that help diagnose diseases early and support improved overall health.

Plans that include flexibility, critical illness coverage, and preventive health check-ups are generally regarded as the best medical insurance options for parents.

What is Covered & Not Covered Under the Health Insurance Policy for Parents?

Care Health Insurance offers plans for parents designed to keep them prepared for any medical emergency. Family and parental health coverage often includes many inclusions and exclusions, as well as specific conditions and scenarios that won't be covered. Below are common exclusions usually not included in parental insurance policies:

Covered
Not Covered

Hospitalisation cover: The plan covers inpatient care and medical treatment expenses, including incurred ICU charges.
Daycare treatments cover: Your parents can receive modern daycare treatments, making this policy the best health insurance for parents.
Pre- and post-hospitalisation coverage: The insurance covers medical expenses, such as diagnostic tests and medication, up to 30 days before hospitalisation and 60 days after discharge.
Pre-existing diseases coverage: The best health policy for parents will cover treatment costs for pre-existing diseases, subject to a minimum waiting period, ensuring prompt access to medical care.
Second opinion: The policyholder is entitled to a second opinion on any significant illness or injury in a policy year.
Organ donor cover: One may incur organ donor expenses to treat a critical ailment. Care Health Insurance cover medical expenses up to the specified amount, subject to the policy T&C.
Automatic recharge: If you exhaust the sum insured, it is automatically updated to the sum insured for each policy year under the automatic recharge benefit.
Annual health check-up: Your parents can receive annual medical benefits to monitor their health under the best medical insurance for parents.

Many policies involve a waiting period for pre-existing diseases, usually 3 years, before they cover pre-existing conditions such as diabetes, hypertension, etc.
Cosmetic or aesthetic treatments, such as plastic surgery or Botox, are not covered unless medically required.
Regular dental check-ups, cosmetic dental procedures, and eyeglasses or contact lenses are usually not covered unless they are part of an exhaustive plan or the result of an accident.
Any harm caused intentionally, including suicide attempts, is generally not covered.
Health issues arising from alcohol, drugs, or other intoxicants are usually excluded.
Treatments or procedures not recognised or approved by medical authorities are typically not covered.
Injuries or illnesses arising due to war, terrorism, nuclear risks, or civil unrest are not covered.
Medical treatment expenses due to pregnancy and childbirth, miscarriage, abortion, and their consequences.

Note: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

Add-on Benefits of Health Insurance for Parents by Care Health Insurance

Rising medical costs can unexpectedly strain families, especially for parents’ healthcare. Care Health Insurance offers add-on benefits for better protection and peace of mind. Here are optional benefits to enhance your parents' coverage.

Premium Payback: If no hospitalisation claim is filed during the initial five years, you will get a refund of the base premium paid in the first policy year.
Infinity bonus: Every year you renew your policy without a break, you receive a bonus equal to 100% of your base sum insured. This bonus accumulates each year, whether you make a claim or not, and it never decreases because of a claim.
Air Ambulance Cover: Our policies cover air ambulance services when a doctor certifies they are necessary.
Claim Shield: Get enhanced protection with this add-on benefit. It makes 140+ listed non-payable items payable, protects your No Claim Bonus if the claim is under 25% of the Base Sum Insured, and increases your Sum Insured on renewal in line with CPI inflation.
Reduction in PED Wait Period: Selecting this optional health insurance benefit shortens the waiting period for pre-existing diseases from 36 months to 24 months, and further to 12 months or 30 days.
OPD Care: This optional health insurance covers costs for doctor visits, prescribed diagnostics, and pharmacy expenses, all determined by age slabs.
Unlimited Automatic Recharge: There should never be a time when you run out of coverage. By selecting this optional cover, your sum insured amount is reinstated in your policy every time it is exhausted.

Note: The plan's features, coverage, and claim underwriting are governed by the policy's terms and conditions. Please review the brochure, sales prospectus, and policy documents thoroughly.

How Much Does a Medical Insurance for Parents Policy Cost?

The Health Insurance for Parents policy usually starts at 7 lacs with Care Health Insurance and may go higher depending on individual needs. However, several other factors determine the premium for parental policy, including:

Insured age
Sum insured selected
Any existing health conditions
Inclusion of riders, such as room rent waiver, critical illness cover
Plan type, like individual or family floater

What Impacts the Premium of a Mediclaim Policy for Parents?

The cost of your policy depends on three main factors affecting the premium. Here are these:

Age and Health Condition: The older your parents are and the more health issues they have, the higher the premium.
Sum Insured & Coverage Type: Selecting a higher sum insured or adding critical illness coverage might increase the premium.
Policy Type: Individual plans may cost more per individual, while a family floater can be more affordable, but usually divides the sum insured among members.

Eligibility Criteria: Mediclaim Policy for Parents

Here is the eligibility requirement when buying health insurance for parents from Care Health Insurance:

Criteria	Eligibility
Minimum Entry Age	61 years
Lifelong Renewability	99 years
Initial Waiting Period	30 days
Pre-existing Waiting Period	36 months

List of Documents Required for Parental Insurance Policy

Here is the list of documents to be submitted when purchasing a mediclaim policy for parents:

Identity Proof- Aadhar Card, Passport, Voter ID, Driving Licence
Address Proof- Aadhar Card, Utility Bills, Driving Licence, Rent Agreement
Age Proof- PAN Card, Birth Certificate, Aadhar Card, Passport, Voter ID, Driving Licence

Cashless Claim Process	Reimbursement Claim Process
Step 1: Select a network hospital for cashless medical treatment	Step 1: Complete the reimbursement claim form and attach all required documents.
Step 2: In the next step, fill out and submit the pre-authorisation form at the hospital TPA desk, along with the patient's ID proof.	Step 2: Submit the form to us and share the necessary documents.
Step 3: The hospital will send the documents further to the insurer.	Step 3: The claim management team may raise the query.
Step 4: The claim management team will verify the documents and might raise a query if needed.	Step 4: Once they verify the documents, you will get an approval letter from the claim management team.
Step 5: At last, the claim management team will share an approval letter.	Step 5: After approval, the hospitalisation expenses will be reimbursed to the sum insured.