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Things to Consider Before Getting Your Parents Insured

Published On Aug 30, 2019, Updated On Feb 10, 2021

Getting covered under the right health insurance plan becomes a necessity for parents when they are getting old. They need to insure their health considering the rising health care expenses and widespread lifestyle disorders these days. Purchasing a comprehensive health cover for this age helps them get rid of huge burden of bearing hospitalisation cost and cost of subsequent treatment without digging a deep hole in their pockets. 

There are many family floater health insurance policies available in the market, but there is a limited option when you have to choose a comprehensive health insurance plan for your parents or senior citizens. Some comprehensive senior citizen health insurance policies available in the market are-Religare Care Senior Plan, National Insurance’s Varistha Mediclaim Policy, Star Health’s Red Carpet Plan, and Apollo Munich’s Optima Senior plan. To choose the best one among these as per your requirements, you must consider the following points-

Choose the one with the maximum sum insured-

A health insurance plan that costs less is not always the best choice. Keeping in mind the increasing chances of senior citizens grabbing treatment opportunities for their health disorders, you must go for a plan that offers maximum cover. 

Cover for pre-existing diseases-

Considering the high chances of senior citizens with pre-existing illnesses getting hospitalised, the insurers might be reluctant to cover them. Even if they do, such plans might come with long waiting periods lessening the chances of them being utilized.   

Mandatory health check-up-

Some health insurance companies ask their customers to undergo a pre-medical test before selling them health insurance plans, while some don’t. Some even waive off the expenses incurred in the process. This helps them get an estimate of the premium that they must charge from you depending on your current health insurance condition. But you, as an informed customer, must be aware of all the inclusions and exclusions offered to you under the plan.  

Cashless hospitalisation-

Paying hospitalisation expense from your pocket can drain all the savings of your lifetime. This speaks of the importance of getting cashless hospitalisation benefit covered under your plan, which doesn’t keep you tensed till the reimbursement process. 

After considering these features, choosing the right plan for your parents won’t be difficult at all. 

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