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Health Insurance For Parents Having Pre-Existing Illness

Updated On Feb 15, 2021

Owning a health insurance today has become an essential requirement. However, buying a health insurance plan for people with a pre-existing illness can be a difficult task.

It is a well-known fact that most of the Indians, who are above 50 years of age have some kind of an illness. Buying a health insurance policy for people over 50 years of age gets difficult and even more difficult if they are above 60 years of age and are also suffering from a pre-existing disease. Now, the most important question arises as to how can one get health insurance for their parents who have been already suffering from a disease? Read on to know more regarding the same.

What is a Pre-Existing Disease?

A pre-existing disease is a health condition that your parents have been previously suffering from or any surgeries in the past before buying a health insurance policy.

Tips For Purchasing Health Insurance for Parents Having Pre-Existing Disease

In order to buy a health insurance plan for parents suffering from a pre-existing illness, one needs to undergo a long procedure. You can find an ideal health insurance policy for your parents by considering the following tips:

  • Different Health Insurance Policies: Although buying a health insurance plan with a pre-existing illness can be a challenging task, however, not all health insurance companies follow the same process. While a lot of health insurance companies consider the medical history of the individual for just the past few years, there are many who consider the entire medical history of the person as well.
  • Short Term Health Issues Not Considered: Only the long term health diseases that are said to have an impact for the long run are taken into consideration by the health insurance companies. Diseases such as cold, flu, viral is not considered by the health insurance providers as they do not possess any long term impact.
  • Waiting Period: There is a specific waiting period that prevents the policyholder from filing a claim for a certain period of time. This waiting period exists for any kind of policy that you purchase whether a family health insurance policy or an individual health insurance policy. This waiting period is subject to the insurance provider as well as the seriousness of the pre-existing illness.
  • Concealing Facts Regarding the Pre-Existing Illness: Abstain from concealing any important facts regarding the pre-existing disease at the time of purchasing a health insurance policy. As if any such crucial information gets disclosed at the time of treatment, then this could lead to rejection of your claim by the insurance provider.

Best Health Insurance Policies for Parents Covering Pre-Existing Disease

Highlighted below are some of the best health insurance plans offered by different insurance companies for your parents with pre-existing illness:

Insurance Company

Name of the Health Policy

Features of The Plan

Details About The Plan

Bajaj Allianz

Silver Health

  • Eligible for parents aged between 46-70 years.
  • Cashless Facility in all the networked hospitals.
  • Covers daycare procedure,pre-hospitalization charges, post-hospitalisation charges, ambulance charges

Plan Details

HDFC Ergo General Insurance

Optima Restore

  • Eligible for parents aged between 61 years – no limit.
  • Covers pré-hospitalisation, post-hospitalisation,In-patient hospitalization, road ambulance cover, daycare procedures, air ambulance cover, etc.

Plan Details

New India Assurance

Senior Citizen Mediclaim Policy

  • Eligible for parents aged between 60-80 years, and if the policy is renewed without any break, then it can be continued for up to 90 years.
  • Hospitalisation cover in Government/Ayurvedic/Homeopathic/Unani Hospitals.
  • Covers organ donor expenses, pre-hospitalisation, post-hospitalisation, organ donor expenses.

Plan Details

You May Also Like To Read:

3 Effects of A Pre-Existing Disease On Your Health Insurance Premiums

Disadvantages of Not Having A Health Insurance Plan

Take Away

Some health insurance companies offer health plans with a waiting period of 2 years and others of 4 years for the same illness. It is recommended that you should port your policy to a different insurance company once you have completed the waiting period so that you are not required to start from the beginning and it gets accrued when you change your insurance company.

Nonetheless, although difficult yet it is possible to get a good health insurance plan with a pre-existing disease for your parents. Also, please note that premiums are subject to factors such as location, age, prevailing taxes, etc.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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