back arrow Back

best health Insurance for elderly

reply Share
28 Jul, 2021 by  Kamal

Hi Experts,

i am looking to buy a new health insurance for my parents, mother 66 Years and Father 74 Years old. Till now they have not been covered by any other health insirance. We are looking for an insurance which covers the emergency treatments in Fortis or Max Hospitals in India.

Looking forward for your advice.

like like

2 Answer

Regional Director, Amicus Insurance Broking

There are several senior citizen health insurance plans being offered these days. However the premium rates can be quite high and you must look at the cost benefit analysis before buying them.

The plans are subject to medical underwriting so your parents may have to undergo pre acceptance medical checks. You have not mentioned if they have any pre-existing conditions or past history of ailments or surgeries done. If they have any conditions, there can be possible rejection of the proposal which you need to be aware of.

As regards the hospitals you have mentioned, you need to check with the insurance company from whom you buy the policy for their empanelment in the preferred hospital network for cashless. This will also be available on the website of the insurance company concerned.

like like
icon-comment 0 Comments
icon-reply Reply
29 Jul, 2021
CEO, Insurance Samadhan

Dear Kamal

Com0liments to you for taking care of your parents .

My answer

1. First visit nearest Max and Fortis hospital . Check insurer in Panel . Ask Insurance desk for opinion . Choose two insurers as per recommendations .

2. Look for features like waiting period of PED , pre and post care , exclusion list etc .

3. Compare premium rates which can be high , recommend 20 % copay to reduce premium .

4. Insist on medical test as part of proposal Declare all medical history .

Best wishes


Insurance Samadhan

like like
icon-comment 0 Comments
icon-reply Reply

Tired of dealing with call centers!

Get a professional advisor for life!


Rs. 1799


Discover the best tips for insurance every week!

Beshak is not regulated by the Insurance Regulatory and Development Authority of India (IRDAI) and does not have any alliance or association with any Insurance business.
© Copyright 2023 Beshak Solutions Pvt. Ltd. All Rights Reserved.

Disclaimer: The content on the website is purely for information purposes for the public at large, and does not constitute personal financial advice for a specific individual reader.
If you are reading this, it means you love reading the fine print. Why not get paid for what you love doing - Join us by writing to now 🙂