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Health insurance for parents aged 82 M and 79 F.

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11 Sep, 2023 by  Ritesh G

Hi, they currently have individual New India covers for 3 lakhs each(past 10 years no claim, total premium Rs 67000). Father has a Star health senior citizen red carpet policy for Rs 10 lakhs with 30% copay. RS 26000 PREMIUM (Past 7 years no claim)

Both have pre-existing ailments. I also had a corporate cover( in which I have claimed earlier).I have since resigned.

I am thinking of getting my corporate cover linked company to offer a new retail policy. The premium comes quite high (Rs 130000) for 12 lakh floater cover with preexisting illnesses covered)

Pls advise possible options given their age.


2 Answer

12 Sep, 2023

Hello Ritesh,

I recommend connecting with one of our expert advisors for this. They have the expertise to assist you in navigating the available options and offering personalized recommendations tailored to your parents' specific needs. Through our our free 1-to-1 personal consultation service, you can select an expert advisor who suits your preferences and discuss your requirements with them. They will provide valuable guidance to make the best decisions for your parents.

This service is completely unbiased and powered by Beshak Research. Here's the link for your ready reference:

Hope this helps! Thank you!

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14 Sep, 2023
Insure Delight


You may Check Future Generali Varisht Bima premium wise affordable but still it has a copay on Pre existing disease. There are certain optional ad-don which will remove Copay but for that we have to discuss in detail.

Also You may check plan with new insurer as they may give you relief on premium

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