Health Insurance for Parents

Parents health insurance provides lifelong medical coverage with timely renewals, covering hospitalization, daycare, ambulance, and other healthcare costs, ensuring your parents get the best care without financial stress.

3 min

15-May-2025

Health insurance for parents is specifically designed to cover a wide range of medical expenses, including hospitalisation, day care procedures, ambulance services, and diagnostic tests. It offers the benefit of cashless treatment at nearby network hospitals during medical emergencies.

You can purchase a health insurance plan for your parents if you are their biological, adopted, or stepchild, or if you share a legal relationship with them.

An ideal parent health insurance plan should offer a low waiting period for pre-existing diseases (PED), a high sum insured, annual health check-ups, zero co-payment, and unlimited sum insured restoration. Additionally, NRIs (Non-Resident Indians) are also eligible to buy medical insurance for their parents residing in India.

What is parents health insurance?

Health insurance plans for parents offer comprehensive coverage towards all kinds of medical expenses that may incur. These specially designed health plans offer coverages against illnesses or health issues that may arise due to ageing. Parents’ health insurance policies may come at a higher premium because these health policies give a higher sum insured for aged individuals. You also get benefits like free annual health check-ups, cashless treatment facility, and more. Most health insurance plans for parents cover pre-existing diseases, which usually do not get covered in regular health plans.

For choosing the best health insurance for parents, you must know the various features and benefits offered in the policies. Every mediclaim policy for parents has different terms and conditions. Therefore, you must carefully read through the policy document to benefit most from the plan.

Pro Tip

Choose a senior citizen health plan with pre-existing disease coverage and lifetime renewability to ensure your parents always have financial protection for medical emergencies, treatments, and long-term care.

Why should you purchase a health insurance policy for your parents?

Purchasing a health insurance policy for your parents is a prudent decision to ensure their financial and medical well-being during their golden years. As they grow older, they may face health challenges and financial constraints that can be mitigated with a robust health insurance plan. Below are the key reasons why this investment is vital:

More prone to age-related health complications

As individuals age, they become more vulnerable to chronic conditions like arthritis, diabetes, and cardiovascular diseases. A comprehensive health insurance policy ensures timely diagnosis, routine health check-ups, and appropriate medical interventions, safeguarding their overall health.

Rising healthcare costs

The cost of medical treatment is increasing rapidly, with advanced procedures and hospitalisation becoming significantly expensive. Health insurance provides financial cushioning, covering hospitalisation charges, doctor fees, and diagnostic expenses, thus reducing the financial strain on your family.

Increasing lifestyle diseases

Modern lifestyles, even for older adults, can lead to conditions like hypertension, obesity, and sleep disorders. Health insurance covers the cost of treating these ailments, ensuring access to necessary medical care without worrying about the associated expenses.

No compromise on quality of treatment

Health insurance ensures your parents can access quality medical facilities, advanced treatments, and specialists without financial concerns. This allows them to receive the best care possible, regardless of the cost, for a healthier and more comfortable life.

Safeguard your parents' retirement funds

Retirement funds are often limited and meant for fulfilling life aspirations. Unexpected medical expenses can deplete these savings. A health insurance policy helps protect their financial independence, allowing them to enjoy a stress-free retirement.

Cashless hospitalisation facilities

Most health insurance policies offer cashless hospitalisation services, eliminating the need to arrange upfront payments during emergencies. This feature enables hassle-free treatment in network hospitals, providing peace of mind during critical times.

Tax benefits

Purchasing health insurance for your parents offers tax benefits under Section 80D of the Income Tax Act. These benefits reduce your taxable income, making it a financially wise decision while ensuring your parents’ health and security.

What are the Features of parents health insurance

Here’s a quick look at some of the key features of the best health insurance for parents.

Features	Specifications
Sum insured	Rs. 5 lakh to Rs. 50 lakh
Pre-and post-hospitalisation expenses	Covered
OPD cover	Covered
ICU charges	Covered
Tax benefits	Covered
Pre-existing diseases	Covered (according to the plan terms and conditions)
Daycare procedures	Covered
Ambulance Cover	Covered (depending on plan)

Key benefits of parents’ health insurance

Below are the key benefits of health insurance for parents: It ensures timely medical care, reduces financial stress, and offers tax benefits, preventive check-ups, and peace of mind.

Financial protection during medical emergencies

Health insurance shields you from high treatment costs. If your parents require hospitalization or surgery, the policy covers major expenses—helping you avoid financial strain and stay focused on their recovery.

Cashless hospitalisation facility

Many plans offer cashless treatment at network hospitals. The insurer settles bills directly with the hospital, so you don’t need to pay large sums upfront during emergencies.

Coverage for pre and post-hospitalisation

Most policies also cover expenses like diagnostic tests, doctor consultations, and medicines incurred before and after hospitalization—for a specified period—ensuring complete care.

Critical illness cover

Special critical illness plans provide a lump sum payout upon diagnosis of serious conditions like cancer, stroke, or heart attack. This helps manage high treatment costs without delay.

Tax savings under section 80D

Premiums paid for your parents’ health insurance are eligible for tax deductions of up to Rs. 25,000 per year under Section 80D—reducing your taxable income while securing their health.

What is covered under a parents health insurance policy?

Here’s what is covered by a health insurance plan for parents.

Hospitalization expenses

Covers all expenses related to in-patient care when your parents are admitted to the hospital for more than 24 hours. This includes room rent, nursing charges, ICU charges, doctor’s fees, medicines, diagnostic tests, and surgical procedures.

Pre-hospitalization expenses

Reimburses costs incurred before hospital admission, typically up to 30 days. This includes diagnostic tests, doctor consultations, and prescribed medicines needed for diagnosis and preparation for treatment.

Post-hospitalization expenses

Takes care of expenses after discharge—usually up to 60 or 90 days. These include follow-up consultations, medication, therapies, and diagnostic tests necessary for recovery.

Day care procedures

Covers medical treatments or surgeries that do not require a 24-hour hospital stay. Examples include cataract surgery, dialysis, chemotherapy, and minor orthopedic procedures.

AYUSH benefit

Many health insurance plans also cover alternative treatments under Ayurveda, Yoga, Unani, Siddha, and Homeopathy, provided they are taken at government-approved or networked AYUSH hospitals.

Pre-existing Diseases (PED)

After a waiting period (usually 2 to 4 years), the policy covers pre-existing illnesses such as diabetes, hypertension, or heart conditions—helping manage chronic conditions without financial stress.

Major surgeries

Policies often include coverage for high-cost surgeries like bypass, knee replacement, or organ transplants. Some plans offer lump sum payouts or reimbursement for such treatments.

Health check-up benefit

Many plans offer annual or bi-annual preventive health check-ups for insured parents to detect any health issues early and encourage timely medical intervention.

Domiciliary treatment

If your parent’s condition prevents hospital admission and treatment is provided at home under medical supervision, the policy covers this as domiciliary care—within set limits.

Besides these, you can also avail of add-on covers like critical illness, hospital cash cover, and more.

What is not covered under a parents health insurance policy?

Here’s what is not covered by a health insurance plan for parents.

Non-allopathic treatments: Any treatment that does not fall under modern medicine (unless specifically covered) is excluded.
Self-inflicted injuries or suicide attempts: Injuries caused intentionally, including suicide attempts, are not covered.
Dietary or nutritional supplements: The cost of vitamins, tonics, or health supplements not prescribed as part of hospitalization is excluded.
Treatment related to substance abuse: Expenses arising from excessive alcohol consumption, drug overdose, or intoxication are not payable.
Vision and hearing aids: Costs for spectacles, contact lenses, hearing aids, or similar external devices are generally excluded.
Routine dental procedures: Dental care is not covered unless it results from an accident.
Cosmetic or plastic surgeries: Treatments done for aesthetic reasons (not medically necessary) are not included.
Minor vision corrections: Expenses for correcting refractive errors below 7.5 dioptres are not covered.
Experimental or unproven treatments: Therapies or procedures not backed by clinical evidence or regulatory approval are excluded.
Sexually transmitted diseases (STDs): Treatment for venereal or sexually transmitted infections is not typically covered.
Unlisted alternative therapies: Therapies outside the scope of AYUSH or not recognized by the policy are excluded.

Tax benefits on health insurance for parents

Under Section 80D of the Income Tax Act, buying health insurance for your parents can help you save on taxes. If your parents are below 60 years of age, you can claim a deduction of up to Rs. 25,000 per financial year on the premium paid. This limit increases to Rs. 50,000 if either of your parents is a senior citizen (60 years or older). So, if you buy separate policies for both senior citizen parents, you can claim up to Rs. 1 lakh in deductions. Additionally, if you’ve opted for a long-term policy of 2 or 3 years, the total premium can be proportionately split and claimed annually. For instance, if you pay Rs. 1 lakh for a 2-year policy for your senior citizen parents, you can claim Rs. 50,000 each year. You can also claim up to Rs. 5,000 for preventive health check-ups within the overall deduction limit of Rs. 25,000 or Rs. 50,000, depending on your parents’ age.

How to choose the best health insurance for parents?

Purchasing adequate health insurance for your parents is crucial to ensure they receive quality medical care without placing a financial burden on you. While many senior citizen health insurance plans are available, here are some important factors to consider before making a decision:

Evaluate their current health conditions

Begin by assessing your parents’ overall health, including any pre-existing conditions they may have. Understanding their medical background will help you select a plan that aligns with their specific health requirements.

Choose a plan with comprehensive coverage

Select a health insurance policy that offers broad coverage at a reasonable premium. Look for features such as critical illness cover, day care procedures, domiciliary hospitalization, modern treatment options, and more. Also, prioritize plans with value-added benefits like unlimited sum insured restoration, cumulative bonuses, and annual preventive health check-ups.

Prefer a shorter waiting period for pre-existing diseases

If your parents have existing conditions such as diabetes or hypertension, opt for a plan with a lower waiting period—ideally 1–2 years—or consider policies that provide coverage for pre-existing conditions from day one.

Select a higher sum insured

Given the increased health risks that come with age, a policy with a sum insured of at least ₹20 lakh is advisable. This ensures access to quality healthcare without financial stress during major treatments.

Opt for minimal or no co-payment

Co-payment is the portion of the claim amount you must pay during settlement. Choose a policy with either no co-payment or a manageable co-pay amount to minimize out-of-pocket expenses.

Consider individual policies

Due to the higher medical risks associated with aging, adding your parents to a family floater plan could significantly increase the premium. Instead, go for individual health insurance plans tailored to their needs.

Avoid policies with sub-limits

Avoid choosing plans with sub-limits on hospital room rent or treatments, as these restrictions can reduce claim amounts and lead to higher personal expenses. Notably, IRDAI’s recent guidelines have removed sub-limits on AYUSH treatments, which is a bonus.

Compare policies thoroughly

Finally, make an informed decision by comparing various parent-specific health insurance policies online. Evaluate features, premiums, and benefits to choose a plan that meets both your parents’ healthcare needs and your financial capacity.

By keeping these points in mind, you can ensure your parents have the right protection when they need it most—without any last-minute financial hurdles.

Purchasing health insurance for your parents requires a few essential documents to ensure a smooth and hassle-free process. These documents validate the identity, age, and medical history of your parents, allowing insurers to determine eligibility and policy terms.

Key documents include:

Identity proof: Aadhaar card, PAN card, passport, or voter ID to verify personal details.
Age proof: Birth certificate, Aadhaar card, or passport to establish eligibility based on age criteria.
Address proof: Utility bills, Aadhaar card, or passport to confirm residence.
Medical reports: Recent health check-ups or reports as required by the insurer to assess pre-existing conditions and overall health.
Photographs: Passport-sized photographs for policy documentation.

Parents health insurance: What to expect

You have two options to get a health insurance plan for parents or senior citizens. You can either add them to your family floater plan or buy specifically designed health plans for senior citizens. The insurer may ask for pre-entrance check-ups before issuing health insurance for parents above 60.
The premium for the plans could be higher, as you get extensive coverage and the policyholder belongs to a high-risk age group.
Make sure to check for the waiting periods of specific health conditions, especially those that are historically present in your family tree. Waiting periods could range from 30 days of initial waiting period to almost 4 years for some specific diseases.
Do check to see if the plan covers an annual health check-up, which will become a huge advantage with age.
Many parents medical insurance policies cover daycare treatments that do not require hospitalisation for 24 hours. This is crucial to have to cover costs for specific treatments/ procedures like chemotherapy or dialysis.
A health policy may have a co-payment option, which means the policyholder will have to pay a portion of the claim. This also means that you will have to pay a lower premium.

You also get a 100% medical reinstatement benefit if the sum insured gets exhausted in one claim in the policy term. This will help you to stay covered all time.

Essential factors to consider when purchasing health insurance for parents

Before buying medical insurance plans for parents, individuals should consider the following factors:

Coverage
Make sure that the health insurance for parents provides sufficient coverage for all healthcare needs, including pre-existing illnesses and hospitalisation expenses. Look for policies that cover consultation fees, diagnostic tests, ambulance charges, and more. Also, check if they cover critical illnesses, AYUSH treatment, domiciliary hospitalisation, and others.
Pre-existing waiting period
Check the waiting period for pre-existing illnesses, as it can vary from one policy to another. Policies with shorter waiting periods prove more beneficial, as they can provide coverage for pre-existing illnesses from day one.
Substantial sum insured
Choose policies with extensive sum insured, as it can provide higher coverage and lower financial burden in case of medical emergencies. This will help in getting adequate financial coverage when required.
Sub-limit
Check if there are any sub-limits mentioned in the policy, as it can put a cap on certain expenses such as room rent, surgical fees, and more.
Co-payment
Co-payment in health insurance is a certain amount that a policyholder pays along with the insurer. Opt for policies with a lower co-payment percentage, as it can reduce your overall financial burden. Some medical insurance for parents might have a co-payment clause.
Waiting periods
When purchasing health insurance for your parents, it's essential to understand the waiting periods, especially for pre-existing conditions and specific treatments. These periods can vary from a few months to several years, during which claims may not be eligible, impacting the policy’s usefulness.
Premiums
Premiums are a critical factor, as they determine the cost of the policy. The premiums for parents’ health insurance may be higher due to age and potential health risks. Ensure that the premium is affordable while providing adequate coverage for your parents' medical needs.
Exclusions
It is crucial to review the exclusions in the policy, as certain medical conditions or treatments may not be covered. Make sure to carefully examine the fine print to avoid any surprises during the claim process.
Claim process
A straightforward and transparent claim process is vital to ensure timely reimbursement. Opt for insurers with a reputation for easy claim submission and fast processing, making it less stressful when medical emergencies arise.
Claim settlement ratio
The claim settlement ratio indicates the insurer’s efficiency in settling claims. A higher ratio suggests a higher likelihood of smooth claims approval and prompt settlement, ensuring that your parents receive the financial support they need during medical emergencies.

How to apply for parents’ health insurance?

You can buy comprehensive health insurance for parents on Bajaj Finance Insurance Mall. Here’s a step-by-step guide to buying a health insurance plan.

Step 1: Click here to open our online application form.

Step 2: Fill in the application form with your basic details or the person that you want to insure. Provide your name, gender, and mobile number. Also, date of birth, and residential PIN code.

Step 3: Now click on ‘Get Quote’ to proceed.

Step 4: From the list of policies shown, choose your preferred family health insurance plan by clicking the ‘Buy Now’ button placed under each plan. You can further modify the insured amount, policy term, and plan type to get a list of policies tailored to your preference.

Step 5: Based on the plan you choose, you may get the option to select the policy term and premium amount.

Step 6: Enter your email ID and check if all personal details shown are correct. Click ‘Next’ to proceed.

Step 7: Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).

Step 8: Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on the ‘Next’ button to proceed.

Step 9: Verify if the previously filled details are correct. Click on the ‘Proceed’ button to visit the payment page.

Step 10: Make the payment through net banking, UPI, debit, or credit card to buy the policy.

After successful payment, your policy document will be available for you to download instantly. You will receive a copy of the policy document on your registered email ID within from 5 to 7 working days.

You will also receive an SMS confirmation immediately after the payment processed successfully.

You can also access your policy details through the My Account section within 5-7 days after purchase.

Should you include your parents as dependents or buy a separate health insurance policy?

While including parents as dependents may seem convenient, purchasing a separate health insurance policy offers comprehensive coverage tailored to their specific needs.

Categories	Adding Parents as Dependents under Family Health Insurance	Buying Individual Health Insurance for Parents
Sum insured	The sum insured is shared among all family members, which might be insufficient for your parents' medical emergencies.	The entire sum insured is exclusively available for your parents, ensuring adequate coverage during emergencies or planned hospitalisation.
Scope of coverage	Coverage may not fully cater to your parents' specific health requirements.	Coverage is specifically tailored to meet all of your parents' healthcare needs effectively.
Premiums	Adding parents increases the family policy premium significantly.	Premiums are determined by your parents' medical history and the coverage selected.

How to file a claim for parents’ health insurance?

Here are two ways that you can make a claim for parents’ health insurance plan.

The reimbursement claim process for parents’ health insurance plan

To file a claim for health insurance for parents, you can follow these steps:

Step 1: Pay all required bills and keep the original invoices intact.
Step 2: Send the treatment documents and the invoices to the insurance company after getting discharged from the hospital.
Step 3: The insurer will verify all claims and shared documents.
Step 4: The insurance provider will reimburse the claim amount to the policyholder’s bank account.

Cashless claim process for parents health insurance plan

Step 1: Carefully fill up the pre-authorisation form at any of the network hospitals.
Step 2: The network hospital will communicate to the insurer, which will then provide a status update.
Step 3: After pre-authorisation approval, proceed with the hospitalisation.
Step 4: The insurance company will directly settle the amount with the network hospital before the patient gets discharged.

Why choose parents’ health insurance policy from Bajaj Finance?

If you are looking for the best health insurance plans for parents, you can consider Bajaj Finance. Here’s why.

Extensive coverage
Coverage is available for emergency or planned hospitalisation depending on the chosen sum insured.
Vast chain of network hospitals
One can get hassle-free service from any of the network hospitals spread across the country.
Sum insured options
There are multiple options for the sum insured available. One can choose plans as per their needs and budget.
Claim process
You can opt for both cashless claim settlement and reimbursement facilities as per your convenience.
Peace of mind
The health insurance for parents will provide financial protection in the event of any medical emergency of parents. This will help in providing peace of mind and let you focus on treatment and recovery.

What parents’ health insurance does not cover?

Here’s what is not covered by a health insurance plan for parents.

Treatments for self-inflicted injuries or attempted suicide
Injuries suffered in acts of war or terrorism
Treatment of illness due to substance abuse, alcohol consumption, drugs or any other addictions

Conclusion

Given the rising cost of healthcare, securing adequate health insurance for your parents is a practical necessity. By choosing a policy that addresses their specific needs, including pre-existing conditions, you ensure their well-being and protect your family's financial stability.

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How to apply for Parents health insurance plans

Step 1: Click here to open our online application form.
Step 2: Fill in the application form with your basic details or the person whom you want to insure. Provide name, gender, mobile number, date of birth, and residential PIN code.
Step 3: Now click on ‘Get Quote’ to proceed.
Step 4: From the list of policies shown, choose your preferred parents health insurance plan by clicking the ‘Buy Now’ button placed under each plan. You can further modify the insured amount, policy term, and plan-type to get a list of policies tailored to your preference.
Step 5: Based on the plan you choose, you may get the option to select the policy term and premium amount.
Step 6: Enter your email ID and check if all personal details shown are correct. Click ‘Next’ to proceed.
Step 7: Enter some additional details, such as height, weight, nationality, marital status, address, and nominee details (if applicable).
Step 8: Answer a few questions about your health and lifestyle by clicking the relevant checkboxes. Click on the ‘Next’ button to proceed.
Step 9: Verify if the previously filled details are correct and click on the ‘Proceed’ button to visit the payment page.
Step 10: Make the payment through net banking, UPI, debit, or credit card to buy the policy.

After successful payment, your policy document will be available for you to download instantly. You will receive a copy of the policy document on your registered email ID within 5 to 7 working days.
You will also receive an SMS confirmation immediately after the payment processed successfully.
You can also access your policy details through the My Account section within 5 to 7 days after purchase.

Frequently asked questions

With the best health insurance policies for parents, the policyholder’s parents will receive the best medical treatment possible. They provide financial security in the event of unanticipated medical bills. Having the best health insurance plans for parents will assist policyholders in paying all medical bills that may arise.

Yes, you can choose a plan that covers their pre-existing illnesses. However, there may be a waiting period depending on the plan you choose. Choose health insurance plans for parents with the shortest waiting periods. If you have a family floater policy, you can even cover your parents under your current medical policy. Before including your parents in the same plan, you should consider checking the age restrictions in your plan.

Each medical insurance policy for parents includes an age requirement. Before purchasing an insurance policy for parents, the buyer should make an informed decision. The policyholder can check the age criterion on the company's website before buying a medical policy for parents. This way they can choose the best medical insurance for parents.

The policy buyer can choose from a variety of health insurance plans offered by various health insurance firms. Critical illness coverage, pre-existing sickness coverage, cashless hospitalisation, organ donor transplantation (if possible), and a bigger sum insured are all essential features of the best health insurance for parents. The buyer should check the health insurance benefits offered by the insurer and choose the best medical insurance for parents.

You might choose a different insurer at the renewal time to improve your parent’s health insurance coverage. You can also add a critical illness rider to your policy to boost the benefits even more. Various companies offer the policy of increasing the claim amount in the insurance policy by paying a nominal extra cost. Several top-up health plans offer coverages over and above the existing health insurance plans.

Yes, tax savings of up to Rs. 50,000 are available for health insurance premiums paid by parents over the age of 60. Therefore, get the best medical insurance for parents as it will cover their future and save money through tax exemptions.

There are various health insurance plans available for parents, including individual plans, family floater plans, senior citizen plans, and critical illness plans. These plans differ in their coverage, premium, and other features.

Yes, you can include multiple family members such as parents, spouse, and children under the same policy with a family floater plan. It offers coverage for the entire family under a single premium.

Yes, premiums paid towards parents' health insurance qualify for tax deductions under Section 80D of the Income Tax Act. An individual can claim a tax deduction of up to Rs. 25,000 for the health insurance premium paid for parents, and an additional Rs. 25,000 can be claimed if the parents are senior citizens.

A waiting period is the period during which the policyholder cannot claim any benefits for certain medical conditions. The waiting period in parents' health insurance varies from 1 to 4 years, depending on the type of illness. It is advisable to choose a plan with a shorter waiting period to receive early benefits.

While choosing health insurance for parents, the factors you should consider are age, existing medical conditions, coverage requirements, budget, and policies offering comprehensive coverage. You need to disclose all pre-existing medical conditions and compare policies for features, coverage, and premiums before choosing the most suitable policy for senior citizen parents.

Yes, you can claim health insurance for your parents if they are included in your policy as dependents or if you purchase a separate policy for them. Claims can be made for hospitalisation, surgeries, and medical treatments, depending on the coverage offered in the policy. Ensure their health needs are adequately covered.

Yes, you can purchase health insurance specifically for your mother, either as a dependent under your family policy or with an individual health insurance plan. The policy will cover medical treatments, hospitalisation, and specific conditions based on her health requirements. Policies tailored for older individuals can offer comprehensive coverage.

The best health insurance for your mother depends on her age, medical history, and healthcare needs. Opt for policies that offer coverage for pre-existing conditions, critical illness cover, and regular health check-ups. Plans with high claim settlement ratios, cashless facilities, and affordable premiums are also important factors to consider.

Most health insurance providers in India offer senior citizen health insurance plans for parents up to the age of 65 to 70 years. However, some insurers may extend coverage beyond 70 or even offer lifelong renewability, provided the policy is bought before the maximum entry age.

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