Hello M F,

• With the current information you have provided you must first apply for the most comprehensive health insurance plans available in the market - ICICI iHealth, HDFC Ergo Health Restore, Max Bupa Reassure, Star Comprehensive first. Such plans will have the following benefits:
• Ensure you buy a separate plan for you, your wife and kid and a separate floater for your parents.
• Floater coverage should be at least 20 Lakhs for your family and for your parents.
• No room rent limit.
• No limits on surgeries/treatments in the plan
• No Copay
• Ensure you have understood the 30 day, 2 years, 4 years exclusion for pre-existing conditions well.
• Ensure you fill the proposal form well. Read this article for information on how to go about filling the proposal form: Top Senior Citizen Health Insurance Plans without Medical Test (beshak.org)

In case you face any problems with finding a good health insurance after you have checked with these insurance companies - you can ping us here, and we will try to help.