Health Insurance for Parents

Health Insurance for Parents

Health insurance for parents provides comprehensive coverage for medical treatments and hospitalization expenses incurred by parents on health issues and illnesses resulting from old age. As per the WHO, old age can lead to diseases like diabetes, osteoarthritis, joint pain, chronic obstructive pulmonary disease (COPD), cataracts, etc. Buying a parents health insurance policy ensures top-quality medical treatment for these age-related diseases at the best hospitals without exhausting your savings.

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1. Do you need any existing disease covered?
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A. Can the PED Waiting Period of 0-2 Years be okay?
B. Can you wait for 0-3 Years?

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Health Insurance Plans
parents

Super Star Value

1000+ cashless hospitals
Cover amount
₹
Starting at
₹ 1000/month

147 cashless hospitals

  • about-icon  ₹2.5 lakh No Claim Bonus
  • about-icon  ₹2.5 lakh No Claim Bonus
  • about-icon  ₹2.5 lakh No Claim Bonus
  • about-icon  ₹2.5 lakh No Claim Bonus
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ultimate

Ultimate Care

2000+ cashless hospitals
Cover amount
₹ 1000000
Starting at
₹ 2000/month

160 cashless hospitals

  • about-icon  Unlimited Restoration of cover
  • about-icon  Unlimited Restoration of cover
  • about-icon  Unlimited Restoration of cover
  • about-icon  Unlimited Restoration of cover
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What is Health Insurance for Parents?

Health insurance for parents provides tailored coverage for medical expenses incurred by parents on hospitalization, regular doctor visits, diagnostic tests, long-term medications, surgeries, etc., and lowers out-of-pocket expenses. It offers higher sum insured options, annual health check-ups, coverage for pre-existing diseases (PED) and cashless hospitalization facilities. A parents health insurance policy allows timely access to the required medical treatment for your parents while keeping their savings intact. 
A good health insurance policy for parents should have a lower pre-existing disease waiting period, a higher sum insured, free annual health check-ups, no co-payment, and unlimited restoration of the sum insured.

Recommended Health Insurance Plans for Parents in 2025
Take a look at the list of health insurance plans for parents in India:
Health Insurance Plans for Parents Entry Age Sum Insured (in ₹) PED Waiting Period
Aditya Birla Activ Care Plan Min: 55 years
Max: 80 years		 3 lakh to 25 lakh 2 years
Bajaj Silver Health Plan Min: 46 years
Max: 80 years		 50,000 to 10 lakh 1 year
Care Senior Health Advantage Plan Min: 45 years
Max: No age limit		 1 lakh to 3 crore 1 year
Cholamandalam Flexi Health Supreme Plan Min: 18 years
Max: 75 years		 50,000 to 5 crore 2 years (under the Premier plan),
3 years (under Basic and Plus plans)
 

Why Do Parents Need Health Insurance?

Here are some of the reasons why health insurance is essential for your parents:

  1. More Prone to Age-related Health Complications

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

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