There are a few factors to consider when purchasing health insurance for parents in India. Some policies will cover treatments for pre-existing conditions, while others will not. It is important to compare different policies and find one that covers the type of treatment that your parents may need. Additionally, it is important to consider the premium price, as well as the coverage limit. Some policies have a lifetime coverage limit, while others have an annual limit. It is important to find a policy that fits both your parents' needs and your budget.
Here are a few health insurance policies in India that you may want to consider for your parents:
- Star Health Senior Citizen Red Carpet Health Insurance Plan
This policy offers comprehensive health coverage for senior citizens, including treatment for pre-existing conditions. It has a lifetime coverage limit of Rs. 15 lakhs and an annual sum insured of Rs. 5 lakhs. The premium price is based on the age and sum insured of the policyholder.
- Bajaj Allianz Silver Health Insurance Plan
This health insurance policy offers coverage for senior citizens up to the age of 75 years. It covers pre-existing conditions after a waiting period of 36 months. The policy has a sum insured of Rs. 3 lakhs and an annual limit of Rs. 1 lakh. The premium price is based on the age and sum insured of the policyholder.
- Apollo Munich Easy Health Senior Citizen Plan
This policy offers coverage for senior citizens up to the age of 80 years. It covers pre-existing conditions after a waiting period of 36 months. The policy has a sum insured of Rs. 5 lakhs and an annual limit of Rs. 2 lakhs. The premium price is based on the age and sum insured of the policyholder.
- HDFC Ergo Health (formerly Apollo Munich) Optima Restore Family Health Insurance Plan
This policy offers comprehensive health coverage for families, including senior citizens. It covers pre-existing conditions after a waiting period of 36 months. The policy has a sum insured of Rs. 10 lakhs and an annual limit of Rs. 4 lakhs. The premium price is based on the age and sum insured of the policyholder.
You can compare these and other health insurance policies on the PolicyBazaar website.