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Parents Health Insurance

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07 May, 2021 by  Aman Sandhu

My parents are nearing 60 years of age and they do not have any Health Insurance . What will be a realistic policy to buy and how much should be the cover amount ?


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Parents-Health-Insurance

1 Answer

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09 May, 2021
CEO, Insurance Samadhan

Dear Aman

You are taking a wise decision , points to remember

  1. Declare all facts with clarity , do not ignore any facts like past medical history . Remember claims are refused even for mention of hypertension or any other disease in past . You give all details , let company decide .
  2. Least waiting period .
  3. Exclusions for specific diseases .
  4. Claim arrangement - is it direct or TPA . Prefer direct .
  5. List of network hospitals in place of residence . Opt which has best network hospitals .
  6. Pre and post hospitalisation cover .
  7. Day care cover .
  8. Does cover have restore or recharge .


Go for minimums Rs 10 lakh sum assured.

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