Top Health Insurance Plans in India for parents / senior citizens

Top health insurance plans in India for parents , senior citizensTop Health Insurance Plans in India for parents / senior citizens

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With growing medical expenses year on year, it is important that you do plan for health insurance as part of your financial planning exercise. There are several ways to reduce insurance costs. While it is easy to get a medical insurance policy at young age, there are several restrictions and conditions to get health insurance for parents / senior citizens. What are the top health insurance plans in India for parents / senior citizens?

Why health insurance is important for our parents?

Thanks to medical advancement that average age of a person is increasing year on year. Health insurance is an option to avoid holes to our pocket else they can make our finances sick. Health insurance may not be costing much at young age, but it is very important once you reach the age of 60 due to various reasons like:

  • Growing medical expenses year on year
  • Decreasing or zero revenue for the senior citizens
  • Surplus money reduces year on year to meet regular monthly expenses
  • Unforscene expenses would wipe out savings kitty

Top health insurance plans in India for parents / senior citizens

Below are some of the best health insurance for parents / senior citizens.

  1. Star Health insurance company – Star Senior Citizen Red carpet plan
  2. Bajaj Alliance health insurance – Silver plan
  3. Apollo Munich insurance – Optima Senior
  4. Max Bupa insurance – Heartbeat plan
  5. National Insurance – Varishta healthcare plan
  6. United India insurance – Senior Citizen plan
  7. New India insurance – Senior Citizen medi claim policy

Let us look at the features of these top health insurance plans in India

Star Health insurance company – Star Senior Citizen Red carpet plan

  • Entry of age: 60 to 75 years
  • Renewals up to: Lifelong
  • Pre-existing diseases coverage :  from first year
  • Sum assured: Rs 1 to Rs 5 lakhs
  • Additional details: 1) 50% co-payment for pre-existing diseases 2) 30% co-payment for other illnesses
  • Thought it looks like this is one of the best health insurance plan as it covers pre-exising diseases from first year itself, one need to keep in mind about 50% co-payment for pre-existing diseases.
  • Website: URL details:

Bajaj Alliance health insurance – Silver plan

  • Entry of age: 46 to 70 years
  • Renewals up to: 75 years
  • Pre-existing diseases coverage :  After 1 year
  • Sum assured: Rs 50,000 to Rs 5 lakhs
  • Additional details: 1) 20% copayment on non-network hospital 2) Waiver of co-payment if we pay additional premiums
  • Website:

Apollo Munich – Optima Senior

  • Entry of age: 61 years onwards
  • Renewals up to: Lifelong
  • Pre-existing diseases coverage :  After 3 years
  • Sum assured: Rs 1 Lakh to Rs 5 lakhs
  • Additional details: 1) 15-30% based on room type 2) 30% co-payment based on specified  diseases 3) Pre-existing diseases covered after 3 years 3) In case of no claim, a discount of 5% on subsequent premiums.
  • Website:

Max Bupa – Heartbeat plan

  • Entry of age: 0 years and maximum no limit
  • Renewals up to: Lifelong
  • Pre-existing diseases coverage :  After 4 years
  • Sum assured: Rs 2 lakhs to Rs 3 lakhs
  • Additional details: 20% of co-payment for insurers age > 65 years
  • Website:

National Insurance – Varishta healthcare plan

  • Entry of age: 60 to 80 years
  • Renewals up to: 90 years
  • Pre-existing diseases coverage :  After 1 year
  • Sum assured: Rs 1 Lakh (Hospitalization) to Rs 2 Lakhs (Critical illness)
  • Additional details: 10% claim amount to be borne by the insurer
  • This is one of the best health insurance plans in India as the co-payment is only 10%. The negative point is about low sum assured.
  • Website:

United India insurance – Sr. Citizen Plan

  • Entry of age: 61 to 80 years
  • Renewals up to: Lifelong
  • Sum assured: Rs 50,000 to Rs 3 lakhs
  • Additional details: 20% claim to be borne by the insurer
  • Website:

New India insurance – Sr. Citizen Medi claim policy

  • Entry of age: 60 to 80 years
  • Renewals up to: 90 years
  • Pre-existing diseases coverage :  After 18 months
  • Sum assured: Rs 1 lakh to Rs 1.5 lakhs
  • Additional details: 10% extra on basic premium to cover BP and Diabetes
  • This is one of the top health insurance plans in India as it covers BP and diabetes which have become part of every one’s life at the age of 50 itself. You need to pay additional 10% premium for this.
  • Website:

Quick comparison of top health insurance plans in India in one table:

Top health insurance plans in India for parents, senior citizens-comparison table

Now though there are several good health insurance plans in India for parents, you would have been in dilemma which one to choose. There is no single policy which suits for everyone. It suites based on the requirement, budget and several other parameters.

How to choose best health insurance plans in India for your parents?

Here are few suggestions where you can take decision on choosing best medical insurance for your parents.

  1. Max renewal age: Choose medical insurance policy which offers max renewal age. When you choose such medical insurance policy, you need not worry about this year on year. You can keep renewing the policies to the maximum extent.
  2. Maximum coverage: Choose a best insurance for your parents which have maximum coverage within your budget. The coverage includes any critical illness coverage, pre-existing diseases. E.g. New India insurance plan of Sr. citizen’s plan covers diabetic also with additional premium.
  3. Go for Pre-existing diseases coverage with least period: Some of the medical insurance plans cover pre-existing diseases within 1 year. You would benefit more if you can opt for lesser waiting period for such coverage’s.
  4. Maximum sum assured: Many insurance companies are offering lower sum assured policies. Take a medical insurance policy with higher sum assured.
  5. Minimum special exclusions: Buy insurance policies with minimum special exclusions. Special exclusions are those where insurance companies exclude some diseases or impose special conditions.
  6. Minimum co-payment: Co-payment is the amount where insurer has to make the payment. You should go for insurance policy where you need to pay minimum or nil co-payment.

Conclusion: If you are looking for top health insurance plans in India for your parents, do not look for low insurance premium policies. Consider above suggestions and get the best health insurance within your budget.

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Top Health Insurance Plans in India for parents / senior citizens

Article by Suresh

Suresh KP i.e. me have written 500+ articles on this blog. I love doing analysis and identifying the Best investment options.


  1. vijendra says:

    Hi my father’s age 65 and mother’s age 60 year, I want to health insurance for of both, please suggest me..

  2. atul , delhi says:

    I am 57 years of age and mitral valve replaced in 2008. No insurance company not willin to cover me under insurance policy. In addtion to that I will retire in jul 2015. I am being covered in corporate plan. pls. let me know if there is any company that would cover me under medical policy.

  3. Aditya says:

    Hi Suresh,

    Mera name aditya hi mere father ki age 65 years hai main unke liye helth insurance plan lena chahta hun, please suggest one of the best plan for him sum asssured 3lakh ke liye kam se kam primium ho aur ache benefits ho.

    Please suggest.

    Thank you,

    Aditya Anand 

  4. Suresh says:


    My Dad is 55, my mom is 53, myself 28 and my sister 26. we dont have any health insurance.

    Can you please suggest me which is good for my family

  5. Shekhar says:

    I have a friend who is suffering from pre-existing disease and he is 36 years old. Which Health Policy can cover it?

    • Suresh KP says:

      Unfortunately none of the health insurance plans cover pre-existing diseases from day-1. However you can buy plan which considers early like Star health insurance which covers within 11 months from policy date.

  6. rajesh says:

    heloo sir,

    my father is 59 & mother 55.

    Father is taking medication for bp & OA, mother has ESR 40.

    Iam thinking of a plan around 2 lkh (Flotter policy).My budget 6-10 K. Iam confused about Bajaj siver plan, National insurance flotter flan,Star Optima & L&T clasic..

    i want a insurance with maximum coverage to all disease,least waiting periord,low primium & easy/hessel free claim return.least/no co payment

    please guide.



  7. Sid says:

    Dear Suresh,

    Thanks for all these info. Need your valuable guidance on this case.

    My Parents are insured with Star health red carpet since march,2010. My mother(63) was recently hospitalised for sudden symptoms of anemia and received blood transfusion. I got 30k against claim of 88k from star. They deny cashless sighting various reasons. My father (75)was hospitalised for dengue in 2010 when the reimbursed 60% of the claim.

    Both are insured for Rs 200000 each. I am considering for a portability of the policy to New India/ National/ United India after reading your analysis. Kindly suggest if it's possible – and are there any charges for portability? Are there any waiting period with the new insurer after shifting the policies?

    Thank you.

    • Suresh says:

      Sid, I am sure there are portability charges, but heard they are very less. However regarding waiting period, yes I understand there is waiting period. Suggest you talk to customer care to get exact details.

    • raghabendra says:

      Dear Sir,

      You already might have got your solution, however, still I would like to suggest you, what might help you, if you haven't done it yet.


      1. You can port your policy, only at the time of policy renewal.

      2. You will get all benefits of waiting period or other bonuses accumulated at previous insurer, if you policy is active.

      3.  Start with writing to your insurer, citing the exact reason of portability.  They will need details of your new insurer and it is supposed to happen this way.  Please consult your both the service providers regarding portability, as policy differ from company to company.


      Hope this will help you,



      Raghabendra Pradhan

  8. jamesfranklin says:

    A very Informative article.The unexpected illness or accident will create too much of financial burden on the common man. The cost of hospitalisation, surgical expenses, cost of medicines and the rent for the other medical facilities will turn out to be unaffordable in case of unforeseen illness.

  9. anil prajapati says:

    dear sir,

    i want know about best health policy for my mother age is 68 year.

    please guide to me same


  10. ravikumar reddy says:

    Hi suresh ,

    The unexpected illness or accident will create too much of financial burden on the common man.the health insurance play key role in ur life. thanks sharing such use ful inforamtion

  11. suryabhan singh says:


    i m confuse between new india assurance or religare-

    i compare premium is same but religare give more coverage and flexibity than new india -

    i m lokking for flotter of 4 person

  12. Sahil Doshi says:

    Hello Suresh, I want to take health insurance plan for my father, he is 61 years old. One of my friend told me about HDFC ERGO senior citizens health insurance policies, he told Its quit better as compare to other senior citizens health insurance policies in India. Can you please write something about HDFC ERGO health policies?

  13. reddy says:

    ?Is there any posssibility of buying two health plans on single name from same /different companies so that i can make use of the second one when the total insurance sum gets over from the first policy.

  14. manbesh says:


         i want to take a plan were my parents age mother 55 and father 61 including myself my age 33, can u suggest me a single plan were we three fit.

  15. Hirak J Patel says:

    Dear Sir ,
    I want to know that which one is best health insurance policy for my mother aged 57 years old. She is good in health. Tell me best policy for my mother.

    Thanks & Regards,
    For, Hirak J Patel
    (M): 9558819629.

  16. Mohit Gulati says:

    I need insurance policy for my parents. My father is 66 years old. He had a mild heart attack last year. No Angioplasty was done as blockage can be controlled with medicines. My mother is 62 years old. She had knee replacement surgery 2 years back. Also, she is dibetic (in control). I am planning to go for Star Health Red carpet plan or Bajaj Allianz silver health plan. Can you please suggest.


  17. Ashish says:

    Hi Suresh,

    I am looking for medical insurence for my father age 57 with high BP.
    Most of above mentioned policies have min entry age mentioned as more than 60.
    Can you please suggest me good medical policy for my father with minimum waiting period for pre-existing disease.

    Also I want to know if I can take any medical insurence for my mother age 52 dignosed with thyroid cancer in feb 2013. Most of the companies I checked with are not offering policy for pre-exisitng cancer disease. Let me know if there is any medical policy which can issue policy for cancer patient, though  it has waiting period of upto 4 years. 

    I am looking for policy of 2 lakhs for both.

    Please suggest. Thanks a lot for article.

    • Suresh says:

      Ashish. Most of the healthcare policies do not offer pre-existing diseases coverage. They would cover only after 3 years. Please check max bupa health insurance policy which I have reviewed and this would be posted on this Thursday. It is one of the good unique health care policy

      • Ashish says:

        Can I take National Insurance – Varishta healthcare plan at age of 57?

        Which company offers policy for existing cancer patient?

        • Suresh says:

          Hi Ashish. I am yet to review this policy, hence cannot comment immediately now. None of the health care policies can cover pre-existing diseases. They would cover only after 3 to 4 years of policy registration.

  18. Pramila says:

    Really above given information is too good to invest money in right place.

  19. Siddharth says:

    Can suggest a good health insurance policy for my mother,  age  58 yrs,  no pre existing diseases .  Can pay single premeum also

    is any medical check required?.

  20. suryabhan singh says:

    I heard at reliance general insurance how is it??
    I want to take for my dad.ib this policy they said no age ad age is 65.

    I want to cover me wife and 2kids.

    Thanks and regards.

  21. Ahmed says:

    Hi Suresh,


    useful article for the people like me who are unable to decide about the insurance policy for the senior citizens. post more n more about such issues. by the way, could you please focus on which insurance company has the good history of settling the medical claims?

    look forward to your response.


  22. Jokula says:

    Thank Suresh for info

    Request your help; My father is already insured thru National health insurance; the only glitch being the TPA does not have many hospitals covered by it in my state (kerala)..Can something be done about it?

    Also, I am looking for a policy myself (including my wife)..a family floater or so. We are aged 33 and 27 yrs. We are covered by our company for now, but would like to take one neveretheless. Would that be a good decision? or should I just wait? Could you recommend us a few companies that we can research on? are maternity cost included? What about cases involving Assisted reproduction for women..etc?



    • Suresh says:

      Hi Jokula, We cannot do much with existing national health insurance policy. If required you may need to consider taking additional policy. You can review the policies indicated here and take one which suits you. Regd your and your wife, I would prefer you to still consider taking one. You can review max bupa health insurance or apollo munich health insurance. Each and every health policy have their pros and cons, hence go thru T&C and consider them.

  23. Pari says:

    Hi Suresh

    very nice Article.thanks for sharing it.  My father in law needs to undergo knee operation. For which me and my husband are looking for best parental health insurance. After going through above little confused as in which one i must go for. However if I consider pros and cons of all the above health insurance companies I feel star health insurance is good. Please clarify on this. Do they cover 100% of hospitalization expenses? We are planning for surgery with in this year since it is in early stage. Do they cover with in a year of the policy.

    • Suresh says:

      Hi Pari, All major health insurance companies cover existing diseases after 4 years only. Yes I have seen Start health insurance is good. Max Bupa health insurance is also good. You can review and consider them.

  24. Jagadesh says:

    Dear Suresh,

    Many thanks for starting this website and helping others.

    Could you please help me or suggest on the below.

    My father(age 57) just underwent Angiogram and found that there is a block in the blood flow. It is not severe but he may undergo Angioplasty at any point of time. Currently he does not have a health insurence.

    I am working for TCS which is having partnership withMEDI ASSIST. I did not enroll my parents name withing 90 days of date of joining and so i will be able to enrole my parents name in mediassist in my entire tenure in TCS. 

    Is there any way that i can directly take a coverage for my parents from mediassist as documentation is not required?

    Or please suggest me any plan that suits my requirement ( which covers my father's angioplasty treatment at any point of time after enrolling ).

    Thanks a lot in advance 


    • Suresh says:

      Looks Mediassist is third party and not insurer. You can check with them who is your insurance company and generally they would allow you to include your parents with addtional costs. But wondering why you have not included your father name in your insurance coverage? If your family is already covered, consider adding your father name with additional premiums.

    • Naresh says:


      You can get your parents insured with TCS Health Insurance Cover with Mediassist.

      TCS opens a window during the month of April every year to add dependents for HIS cover.

      They publish that in Ultimatix.



  25. Navit says:

    Hi Suresh,

    I am 32 years old and covered under group health insurance from my employer. My father is 62 years old and has Parkinsons Disease. My mother is 57 years old who has Kidney Failure and is on dialysis. In my parents case, can I get any health insurance policy for them? Or will these diseases be excluded by most of the insurance companies?



  26. PREM says:

    Hi there,

    What I want you to know is a decent Health/Medical cover for my parents (who are Senior Citizens living in Chennai). 

    Basically a good Medical cover that covers my DAD (76 years), my MOM (74 years) and my Step-Mother (68 years).

    In case of any hospitilization, they should be not be shedding too much money from their pocket, if you know what I mean. 

    Kindly advice please.


  27. prashun says:

    Hi suresh,

    My Father is 63 years,eye surgery to be done and mother 45 days has reffer me which health insurance is suitable.


    • Suresh says:

      Prashun, As indicated earlier to others, every health insurance policy comes with terms and conditions. Some of the good ones I have listed here. Please check and see which one suites your requirement.

  28. Rohit Raj says:

    Dear Suresh, 
    It was a very helpful article. I have a few doubts. 
    I am currently 26 years old. I have joined a job which covers all my medical expenses. I am looking for a plan for my parents. Both my parents are in 51-54 years range.
    They are currently not under any mediclaim/health insurance plan. I wish to search for a plan for them. 
    1) Are there any plans floating for that age range which cover OPD facilities and expenses related to that like lab tests & medicines?
    2) Are their any insurance plans which offer full body check-up to gauge non-coverage of pre-existing diseases?
    3) What are the usual catches in Medical Insurance Claims?
    4) Can I get any benefit, in terms of Income tax, from opening the medical insurance ONLY for my father and mother? Or will it be better to include myself in the same plan?

    Warm Regards
    Rohit Raj

    • Suresh says:

      Rohit, 1) As per my knowledge, there are no such health plan which covers OPD charges 2) You can try Max bupa which has several coverages 3) It depends. You should ensure you get coverage without any limitations or with limited limitations like it is there in reliance health assurance plan or max bupa plan 4) Section 80D would allow you to get benefit upto Rs 15,000 for medical insurance benefit. You can consider taking family floater plan which covers you and your parents. 

  29. Pavan naga says:

    HI Suresh,

    My father is 48 years old. NO helath insurance till now. Mother is 44 yrs. Recently my father has been treated with Angioplasty wunder Arogya Sri insurance. Now I have to take full Health insurance for them along with me. Please suggest any Heath insurance plan. (I'm of thinking to take LIC Jeevan Arogya). Is it good?

    Thanks in Advance

  30. deepak says:

    Hey Suresh,

    My Mother is diagnosed with cancer in 2011 FEB, went thru chemo and radaition. She is recovering and doing well now. Will there be any insurance plans to cover her future expenses if recurrence occurs, though we are praying it shouldnt happen again?




    • Suresh says:

      Deepak, Most of the health insurance would cover cancer diseases, but only after 4 years. Max Bupa health insurance is one such health insurance plan. I have reviwed it and the article would get posted this week.

    • Sailu says:

      Hi Deepak,
      did u get an insurance for your mother?? Even my mother is having the same situation. welcome suggestions from u.

      Thanks in advance.

  31. Rohan says:

    Hi, Nice article.. i am looking for health insurance for me as well as parents. Help me to chose the best plan…Mother-Age 45,  Father Age-52, Me 25

    • Suresh says:

      Rohan, I hope you would have gone thru the health insurance plans specified in this article. All of them are good ones. You can select one among them

  32. harsha says:

    Good article suresh..

      Can you please review the HDFC health insurance.. They offer zero payout payment. Whether one should go for it or not. Or how to read between the lines about their offers

  33. Pradeep MIttal says:


    I am looking for insuarance for my parents ( Father:age 57, Mother: age 51). Father is without any medical history but Mother is experience knee pain issue. May need to be operated in the next two years. I am not sure whether I can insurance company will provide insurance in know case issue. If yes, will it make difference in the premium.

    Please suggest some of the best policy ( 5 Lkhs / annum) out of which I can go for a choice.   I am very confused to choose one. Please help to filter the insurance plan.


    Pradeep Mittal





  34. Sushil says:

    Hi Suresh,
    really nice article. I want to take health insurance policy for my Mother age 54 and Father age 61 with no pre disease.I am looking for 10 lakh joint policy for Parents.Maximum disease coverage, lifetime renewal. Please suggest me best plan for my parents


    • Suresh says:

      Sushil, all the ones which are indicated are good. You can review couple of them by going thru the product details and pick one of them.

      • Sushil says:

        Suresh, i want to cover my parents in single plan but above plans shows entry age from 60 years. and my mothers age is 54 years.How can i get above plan for my mother. Plz suggest me plan that will cover my fater (61 age) and mother (age 54) in single plan for lifetime .


        • Suresh says:

          Sushil, Above plans are only best suitable for 60+ years. However there are several other plans for like Reliance health assure plan or LIC Jeevan Arogya where you can cover your mother at this age. Check those options

  35. Max Bupa says:

    hi, I think maxbupa offers very attractive plans for senior citizens/parents in india.

  36. Amit says:

    I am from Mumbai age 38.5 years.


    I was diagnosed with Type 2 Diabetes Mellitus in late 2008.


    I am a bachelor and wish to remain so for my life due to personal reasons.

    Also being diagnosed with Type 2 DM came to me as a shock though both my parents have

    a history of Type 2 diabetes.


    There are so many Health insurance companies in the market currently.

    I do not know which health insurance policy to select and which suits me the best

    as I am a diabetic.


    I require a comprehensive individual  policy for myself which will cover any diabetes related complications

    and normal hospitalisation costs in say I have an accident ,it should cover costs of hospitalisation then  also or for say knee replacement surgery in case of arthritis.


    My mother expired at 65 yrs age due to stroke in 2010. My father is 68 . He has type 2 diabetes

    since 1988. I don't want a policy for him because he is covered in a Group Insurance policy from my brother if at all he has to be hospitalised in future.


    Though hospitalisation costs occur normally after 50 yrs age, I wish to start a policy for myself now which will cover me till atleast 70 -75 years if not more.


    I am open for any policy from Govt or private insurer but it should be a good comprehensive policy

    with maximum sum assured possible and with cashless facility (for network hospitals).


    Can you suggest some good p[olicies.

  37. shilpi says:


     is there any health insurance which will cover in one policy for my Father -57 year/ Mother -46year  including me 24years and my brother 22 years age . pls suggest good insurence plan(company) . and what will be the premium cost yearly/monthly.

  38. Anand says:

    Hi Sir,

    I want to take health insurance policy for my Mother age 45 and Father age 60 with no pre disease.Person should go for maximum coverage irrespecive of premium.Basically i am looking for such policy where it shouls be hassle free in less of paper work but good service.Usually gov policy have less premium but they kinda have lot of things checklist when u apply for claim.

    I am looking for 10 lakh joint policy for Parents.Maximum coverage lifetime renewal.Wiould i be able to avail my medical and premium reimborsment in situatation of cancellation of policy.Which one you recommend is good health insurance policy i should adapt.


    • Suresh says:

      Hi Anand, After extensive analysis, I have found these as the best ones. You can pick-up non Govt polices from this

      • Anand says:

        Hi Suresh,

        Did you share the list coz i cant see any ……


        • Suresh says:

          Anand, what I said is the list indicated in the article are the best ones as per my knowlege and they also depeding upon individual needs. If you exclude Govt ones, you can go for other healthcare policies

          • Anand says:

            Thanks a tonn Suresh.Nice article and promt responses will deffinately look for the above options.

  39. Kishore says:

    Hi Suresh,

    Recently I referred Religare health insurance.plan. Could you please review and let's know whether that it is a good lan or not ?

    I want to take this plan for my parents who are nearly 60.


    Thank you


  40. suryabhan singh says:


    Minimum age at entry

    Maximum age at entry

    Self / spouse

    18 years

    65 years (last birthday)

    Parents / parents-in-law

    18 years

    75 (last birthday)


    91 days

    17 years (last  birthday)

    this is what i get in intenet about jeevan arogya–somewhere i read in your post before choossing insurance check the age limit.

    here ia age limit is very less.can u suggest any other issurance

    thanks  and regrads

    • Suresh says:

      Hi Surbhan, If you go for individual policies for parents, you can get more policies like what I indicated on this article. For group policies, I feel there are some restrictions on max age limit.

  41. suryabhan says:

    is there any health insurance which will cover my mom -dad-me -my wife and two one policy.


    • Suresh says:

      Hi Suryabhan, There are several policies like that. LIC Jeevan Arogya is one like that. One can add their in-laws to such policy :-)

  42. chintalapudi someswararao says:

    Can suggest a good health insurance policy for my sister,  age  64 yrs,  no pre existing diseases except BP.  Can pay single premeum also (is it advisable ?).

    Are there any policies which give insurance & minimum interest/return on investment (10 to 15 lakhs)

    • Suresh says:

      Hi Someswararao, All the health plans indicated here are good. At this age, I would not advice to go for single premium health insurance. Looks your second question is about life insurance. I do not think, there are any money back life insurance policies issued at this age.

  43. fathima says:

    hi my age 61,i need good insurces plan,only i need sum assured(10,00000)pls tell whice company best? need a medical?

  44. suryabhan says:


    me also have for my mother new india assurance with cover of 3,00000 and i pay 9500 per year.

    i heard that nowadays casless are not claim in mumbai -is i right ?

    and if any issurance policy will cover me ,wife ,2kids and parents

    thanks and regards.

    • Suresh says:

      There is no such news that cashless facility is stopped in Mumbai. Pls recheck with customer care of insurance company. You can review new reliance health care insurance policy for your and your wife.

  45. Somasundaram says:

    Hi Suresh,

    Does it required to do a medical check-up before choosing the right policy?

    Thanks a lot

    • Suresh says:

      Hi Soma, it depends upon the insurance company. Most of the insurance companies would make this as practice to have medical check-up done after 40 or 50 years

      • Somu says:

        Thanks Suresh.

        My father is 65yrs old and he is healthy. I have decided to go with National Insurance.

        Could you please suggest some policy for my mother (55yrs) and Myself for 5lacks? Later I would like to add my family(after marriage) into this policy.

        Note: I have already a helath policy from my company upto 1 lacks.




  46. KIRAN says:


    I am having Star health insurance.premium faliny optima for my parents is increasing year after year.

    Is this a gud one.

    Father's age is 55+ . diabetes patient

    mother's age is 50+

    some people suggested tht Claiming is a risk in star health insurance

    please suggest

    • Suresh says:

      Kiran, While taking health insurance, you should not just look at the premium. You should look at other riders the health insurance is providing. You need to check the claims payment ratio (% age of claims paid by insurance company). It is very difficult to say whether it is risk to claim money from an insurance company. It depends on the claim you are putting up along with other details which you would have provided during applying the claim.

  47. Ravikumar N says:

    Dear Suresh,

    Nice article. Probably you could have given the premium amounts as well for each company charging. Also, we have an impression that the public companies charge lesser premiums but services are bad, and private companies charges hefty premiums but with good services. Pls commets on my opinion.


    Ravi N

    • Suresh says:

      Ravi, my initial though was to include premiums. But premiums would vary for each and every lakh of insurance + additiona benefits on additional premiums + age factor. Hence with all such combination, deriving applicable healthcare premiums would not very tough and it can change any moment. Thanks for the feedback.

  48. Arunkumar says:

    Very nice information Suresh…Thanks:)

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