Which is the Best Health Insurance Plan for Parents in India?

Health Insurance for Parents

For those who are wondering how to choose health insurance for parents, we have listed some of the factors that will help you get the best health insurance for parents in India.

1. Pre-existing conditions

Health insurance plans for parents might not cover everything from the onset. Some of the most common pre-existing conditions have a waiting period, post which the plan covers them. If your parents have any such pre-existing conditions, you should verify with your insurer before buying the policy.

2. Age Limit

As you are buying the policy for your parents, look for policies that offer the plan for people between 60 and 80 years. Also, keep an eye on the maximum age till which you can renew the policy. A policy that goes for a longer duration is advisable.

3. Cover for Critical Illness

Critical illnesses are known to impact families both financially and emotionally. If you are planning to buy health insurance for parents above 50, opt for a critical illness add-on. By paying a small premium, you can ensure there are no financial catastrophes due to critical illnesses.

4. Exclusions

Your search for the best health insurance plan for parents in India should lead you to a policy that has minimal exclusions. Exclusions are scenarios where your health insurance plan does not work in your favor. Thus, a smaller list is desirable.