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Health Insurance for Self + Spouse + Kids + Parents

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28 Nov, 2020 by  M F

Sir, Please give me advice on health insurance for my family(me 31 y, wife 34 y, child 10 month, father 60 y,mother 58 years)  my father has bp problem and digestion problem as well as my mother

 please advice us on which health insurance plan to take and how much cover ?

Health Insurance

1 Answer

30 Nov, 2020
We breathe insurance :)

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 (

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.

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