Home   >>    Articles   >>    Historical Queries   >>     Health Insurance   >>    36403-interested-personal-individual-health-insurance-policy-top-corporate
Get Health Insurance Proposals
Upto 5 providers will offer you alternative proposals based on Oct 2016 premiums

Prefered Insurance Cos:
  •  Any 5
  •  CHOLA


I authorize the website and its partner providers to call or SMS me in connection with my application & agree to the Privacy Policy and Terms of use

Search Queries related to...

Did not get what you were looking for? Ask an Expert

Ask An Expert

Date : Dec 15, 2008


I am interested to buy personal (individual) health insurance policy on top of my corporate health insurance (3 Lakh Family floater from United India Insurance). Family structure: a. We are four member family (myself 35, wife 26, 1st child 4 and 2nd 6 months) b. Also want to include my parent (Father 60, Mother 56). Father has gone through heart by-pass surgery in the past. Questions: a. What coverage should I opt for (like basic+critical illness). b. How much sum assured I should go for? c. Do you recommend any kind of Rider should be taken? d. Should I buy two different policies to reduce the premium and increase the coverage? 1st Policy for myself and father (as I am the earning member and father has got by-pass surgery) and 2nd policy for rest. OR 1st Policy for my family andfamily floaters,  2nd Policy for my parents Note: I am looking for pure insurance (without any returns) which should have maximum coverage for any kind of medical expenses (domicilia


There are quite a few family floaters available in the market, they are a type of plans which covers the entire family under a single sum assured. Check health insurance comparator to get better idea about the same.

There are individual mediclaims available for senior citizens and is 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 - age 60-69, and
3)National insurance -  Varishtha Mediclaim for senior citizens - age 60-80 years.

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.

As per your question, how much sum assured required for your parents, the answer is the maximum you can afford.

There are few mediclaim plans that covers critical illness as a rider benefit, however if you want you can opt for a seperate critical illness policy as per your need you may and one should opt for the maximum sum assured.

Check our health insurance quotes




36789 Sir, I would like to inform you that I want a Health Insurnace policy for 72 year old female wi
36788 Hi, I want to know which is good mediclaim or health insurance for my parents (age 52 and 46)?
36784 We are a "Senior Citizen" couple, living in Noida. What is the best policy for us?
36780 HI,I am looking for a health insurance policy, which covers maternity benifit as well. Kindl
36776 Sir, i want to cover Dad age 58yrs, Mom age 48yrs, Wife 25yrs, Myself 28yrs. Amount Rs 500000/
36775 Dear Sir My annual income at present is 5.5 Lacs, i want to take some life,health and accident
36774 Kindly suggest me a policy for my parents who are 52 and 51 years respectively. Preferbly it sh
36773 Hi My name is Vidya. I'm currently residing in Sweden, and I'm looking to get a health insuran
36772 hi i am 33 yrs old, married and have a s4 yr old son. i nd to take health insruance for my fa
36768 Dear Sir I have taken a mediclaim policy from Bangalore office of oriental insurance when i
36767 Do you think it makes sense to have critical illness policy and united india's super top up pol
36764 I would like to take a health insurance, dental,eye
36763 i want know about the policy which covers maternity also.
36760 I have a residential building in a village near chennai in tiruvalore Dist. Can I insure it.
36759 I would like to know the best and convenient cashless mediclaim policy for a family of 2 adult
36758 i am interested in the super top policy of United India which i got to know off on your site. H
36757 i want to take a health insurance plan for family who also cover maternity, apollo have 1 but h
36756 My self Sandip Bhattacharjee, I want to cash less health insurance for my mother age around 59.
36755 Sir, I need to know about pension plan for my parents
36754 hello sir, Am looking for a health insurance policy which has got a good reputation. what am
36753 Hi, do you have a readymade comparison with all the providers for health insurance. second qu
36751 we are 3 members in family me age 35 wife qge 27 child age 8 months kindly suggest me cheapest
36750 I need a health insurance for my parents.Can i take two health insurance policy from same insur
36747 Do we have any job safety insurance policies in India which take care of one's expenses in case
36745 i want a policy for 2adult 32.30 and one child 3 years.including accdiental,health,maternity,cr
36741 I have a mediclaim policy from Unitedindia insurance company. The TPA assign to me does not ha
36738 I have a floater plan but my son is now major (19 years student). I want a health cover for him