Health Insurance 882 views August 26, 2019

Health Insurance Plan for Parents in India

It is extremely crucial for everyone to get health insurance covers for their parents. Unless you get a medical insurance plan you cannot be assured of being able to provide the best health care for them. And since they are at an age when they need additional medical assistance more frequently, securing their wellbeing is a top priority job. Thankfully, there are some very good health insurance companies in India that offer excellent health insurance plans. Choose a good option and keep your parents protected at all times.

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List of Health Insurance Plan Options for Parents

When you look to cover the health of your parents under an insurance cover, you have a few options to choose from. They include:-

Family health cover

Family health insurance plans are one of the most common types of health insurance covers available in India. You get to cover all the members of your family under a single health insurance umbrella. This is helpful as your parents stay included in the same insurance policy and you do not have to worry about getting a separate cover for them. 

Individual health cover

You can get an individual health care policy for one of your parents, under an individual health insurance scheme. These are basic health insurance covers that offer a basic healthcare package. If your parent is under the age of 60, it will be easier for you to get such a plan for him or her, but the options are available for people above the age of 60 as well.

Group health cover

Most of the large employers offer group medical insurance covers to their employees. In most cases, the parents of the employees are also covered under these benefits. So make sure you include the name of your parents when you fill in the forms to ensure they stay protected under the group health plans. 

Senior citizen health cover

The next option is a type of medical insurance that has specifically been designed to cover the senior citizens in India. You can buy a good senior citizen’s health plan from any of the good health insurance companies in India. the plans are affordable and keep the needs of the elderly in mind. 

Critical illness insurance cover

Medical insurance has evolved a lot and we now have special plans to cover specific illnesses. The critical illness insurance plans are designed to cover a specific illness that someone may suffer from. These include cancer, stroke, heart attacks, organ transplant, etc. This is another kind of healthcare that is available for everyone, including your parents.

These are all the different ways in which you can cover the health care needs of your mom and dad. Choose the option that suits your requirements and keeps them protected at all times.

Importance of Health Insurance Plan for Parents in India

Here are some reasons why you must have a health insurance policy for your parents:-

To afford the best hospitals

The medical expenses have skyrocketed these days. You simply cannot afford to pay the bills of the top hospitals without the help of an insurance claim. Your parents deserve the best hospital care at the time of an emergency, so you need a good health plan to ensure they get the very best treatment. 

To get regular check-ups done

The health insurance plans have provisions for OPD visits and also for yearly health check-ups. Get your parents under good medical insurance coverage so that they can get regular checks done to stay healthy. Preventive checks are important to keep away serious disorders and also to treat something when detected early.

For better pre and post-hospital care

Senior citizens need hospital care from time to time. When you buy the best health insurance policy for them, you get added features such as pre and post-hospital care. This is an important feature as you need to have the assurance that they will be well taken care of. You may be living in a different city so you should make all the possible arrangements. Having good health cover makes the job a lot simpler for you. 

To save money

Health insurance for parents brings forth many advantages, one of the main ones being saving money. Not only does insurance make healthcare more affordable, but you also get to save tax on the insurance premium payments. This is another factor why you should get a good medical insurance plan for your parents. 

These are some of the valid reasons why you should get a good healthcare cover for your aged parents.

Final Conclusion About Health Insurance Plan for Parents India

As you can clearly see from the points mentioned above, it is very important for you to get good health insurance cover for your parents. They have looked after you very well all your life. Now it is your turn and you should not leave any stone unturned. Buy a good health insurance policy and secure their health properly.



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