Query on parents health insurance.

25 Jun, 2021 | by Suraj D

I am searching for a health insurance for my parents with following requirements:

Sum insured - 20-30 Lakhs.
No room rent cap.
No Co-pay.
Less hassle in claim settlement.

Father's details:

Age - 68
Pre exising disease - Hypertension (BP)

Mother's details:

Age - 60
Pre existing disease - N/A

Please provide your suggestions as to which health insurance plan is better?

Parents-Health-Insurance

1 Answer

Post

25 Jun, 2021

Asad Akbar

Self Employed - Digital Consultant

Hi Suraj,

I wouldn't name any product. You can check the offerings from stand-alone health insurers like Star Health, Care Health, Max Bupa, Manipal Cigna, Aditya Birla Health, etc. Stay away from Senior Citizen products as they all will have co-pay & room rent restrictions. For easy reference, compare them on an aggregator website like Policybazaar.

Feel free to ask us specific questions after you have compared the products of choice.

Good Luck with your search!

Asad Akbar

3 Comments

28 Jun, 2021

Suraj D

Thank you Asad Akbar. Sure will get back to you on the specific items.

28 Jun, 2021

Suraj D

One more query.

My application for term insurance has been postponed twice by Max Life Insurance, ICICI and HDFC for the following reason:

Also, health insurance has been rejected by Liberty Insurance Company.

I had undergone a MRI scan in Sep-2015 for headache, the finding was:

Solitary well defined cystic lesion in the left para hippocampal region as described - Benign lesion (Possibly neuroglial cyst) - Recommended follow up of the lesion.
I did undergo the follow up MRI in Dec-2019, the finding was:

Solitary white matter lesion in the subcortial aspect of the left para hippocampal region - Likely white matter ischemic changes. D/D Neuroglial cyst. Compared to the scan dated 19/09/2015, there is no significant interval change.
Doctors suggested that it is a circumstantial finding and nothing to worry about. No treatment is needed.

I do not have headache now after I started to wear the spectacles regularly.

Should I continue to apply for term insurance and health insurance?

Or should I stop applying as the insurance companies are postponing it because of the cyst but the cyst will remain as there is no treatment for it?

28 Jun, 2021

Asad Akbar

Self Employed - Digital Consultant

Suraj, I have responded to your query on the original thread. Please check.

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