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Date : Oct 7, 2008

Question

Hi, I had a query regarding health insurance for my parents. My father is 61 years old and is a retiree. Pre existing conditions include High BP My mother is 55 years old and is a central govt employee. Pre existing conditions include Diabetes. Under such circumstances my questions were - What will the minimum amount of health insurance cover needed either seperately for each of them or under a combined cover, - Can you suggest a policies that are suitable to them (i am looking at companies that offer the maximum age of cover) Regards Abraham

Answer

If your father has high Blood pressure and mother diabetic then there are plans that covers pre-exisitng illness which is covered under a mediclaim plan. It works in a following manner: On payment of additional premium, which is compulsory for persons suffering from the pre-existing conditions of Diabetes mellitus and Hypertension these specific pre-existing conditions only are covered in the following manner: On payment of additional premium, which is compulsory for persons suffering from the pre-existing conditions of Diabetes mellitus and Hypertension these specific pre-existing conditions only are covered in the following manner:
1st year No Claim
2nd year No Claim
3rd year 50% of the admissible claim or 50% of the sum insured set for the individual whichever is less
4th year 75% of the admissible claim or 75% of the sum insured set for the individual whichever is less
5th year onwards 100% of a admissible claim or sum insured set for the individual whichever is less.
The sum assured can be decided based on the number of family members you need to cover under the policy and their age. You also need to estimate the cost you expect on the treatment in case of any hospitalization and the amount of premium you are willing to pay. While calculating the cost of hospitalization would, you should keep in my mind the city you are staying, the hospital you would like the treatment to happen and various other factors while hospitalization.
The maximum sum assured is upto 5 lacs however few companies offer a sum assured of 10 lacs.

Since your father is 61 years he is a senior citizen and there are plans for them offered by just three companies, which are:
1) Bajaj allianz  -  silver health  - age 46-70,
2) Star health and Allied Insurance - Red Carpet senior citizen  - 60-69, and
3) National Insurance  -  Varishtha Mediclaim for senior citizens - 60-80 years. If at all you need plan with your parents then there is a product available in the market called family floaters however the maximum age entry is 60, hence in that case if your parents are above that age this plan cannot be availed.

 

 

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