Date : Mar 21, 2009
I am seeking guidance on Health Insurance policies for my parents (age 60 and 55) Mom with High BP. Currently they are covered under my employer Health Insurance policy but eventually when we have kids I may have to remove parents from the policy 1-2 years down the line. Does is make sense to buy a seperate health insurance for parents right now or when I have kids? With pre existing decease it usually take 2-3 yrs without claims to include under the policy. Does existing employer insurance claims will be considered in case i buy a new policy after 1-2 years. Also, since my parents are dependent on me, would I get tax benefit for their health insurance premium.
You should go ahead and buy a
health insurance policy for them right away. By the time you have kids
the pre existing clause from the new insurer will be over. After that
your parent can be claim for their pre existing disease also. You can
buy New India Assurance Mediclaim policy. In this policy by paying some
extra premium you can cover them for the pre existing mentioned. Please
consult your financial advisor as buying the policy or some other
policy may suit them better.
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