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Health insurance for Parents above 70 years

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07 Oct, 2020 by  Roopesh Kumar

Planning to take the best health insurance for my parents. Age: 70 & 60 - Both are medically fit & fine.

Looked up for various plans & got confused basically with Max Bupa Vs HDFC Ergo.

Could you please suggest the best or any alternative?

Thank you in advance!!

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Parents-Health-Insurance

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08 Oct, 2020
Avinash Sonee

Dear Roopesh,


Can you please share the plan names and the Sum Insured you are wanting to opt?


Thank you

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08 Oct, 2020
Roopesh Kumar
Heard about Max Bupa health companion and HDFC Ergo Gold. Sum Insured not yet finalized. First looking for best service provider / insurers.
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08 Oct, 2020

Hello Roopesh,


We wrote extensively on covering senior citizen parents with multiple strategies and comparison of numerous options. Have you checked this article. https://www.beshak.org/insurance/health-insurance/articles/senior-citizen-health-insurance-without-medical-test-plans

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08 Oct, 2020
Roopesh Kumar
Dear Team Beshak, Thank you for replying! Yes, I read the article. It was very helpful and found option 2 would be suitable. However all the plans available in option 2 has copayments. Can you please advise with 0 copayment & maximum coverage!
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09 Oct, 2020

Hey Roopesh, Health Companion from Max Bupa is a good plan, better than Health Suraksha plan from HDFC Ergo. But Companion is a comparable plan in reference to HDFC Ergo Optima Restore. Companion allows entry age above 65 yrs, not sure about Optima Restore. You can pick any one out of Companion or Restore, should be fine.

Make sure you declare medical history of your parents carefully.

Anuj Jindal

Co-founder

SureClaim

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10 Oct, 2020
Roopesh Kumar
Thank you so much Anuj!
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