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Health Insurance Plans for Parents
Parents are our anchors, caring and nurturing us for as long as we live. However, as they age, they may become susceptible to different health conditions, so make their well-being your top priority. As healthcare expenses soar, you must have a reliable parent's health insurance plan to give them the required and timely medical attention.
At Reliance General Insurance, we offer tailored health plans for parents that cover in-patient medical expenditures, pre-existing medical conditions, daycare costs, and other healthcare needs.
Amidst various mediclaim policies for parents available in the market, Reliance General Insurance offers four unique coverage plans- Reliance Health Infinity Insurance, Reliance Health Gain Policy, Reliance Health Global and Reliance Health Super Top Up. Reliance Health Global is an international health insurance policy covering medical treatments across 7 continents. The Reliance Health Gain Policy is a customisable plan allowing unlimited restoration benefits of your sum insured
In addition to providing stress-free healthcare attention to your parents, health insurance for parents leaves you calm, knowing your loved ones are taken care of during unexpected events.
Why 5 Crore+ Policyholders Trust Us?
With over 5 crore satisfied policyholders, we stand for reliability, transparency, and customer-first service. Our wide range of insurance products, quick claim settlement, and 24/7 support ensure peace of mind. Backed by a strong network and innovative solutions, we make protection simple, affordable, and accessible for everyone.
Discounted Premiums
More coverage & more savings!
Preventive Check-ups
Regular health check-ups for your parents.
Wide Range of Add-On Covers
Customise your plan to your needs
24/7 Customer Support*
Round-the-clock assistance for your parents’ needs
How Parents' Health Insurance Works?
You purchase a health insurance policy for your parents depending on their coverage needs and budget while paying a monthly premium to maintain the coverage. When your parents require medical attention, planned or unplanned, the insurance plan takes care of the medical expenses.
In other words, whether your parents need diagnostic tests, critical illness coverage, or alternative treatments such as Ayurveda, Unani, Siddha, and Homeopathy, their health insurance plan is available to cover a significant amount of the healthcare bills.
You focus on spending quality time with your parents instead of worrying about the financial requirements for their healthcare services.
Why Do Parents Need Health Insurance?
As your parents grow older, having dedicated health insurance for parents makes it easier to efficiently manage the expenses for both sudden and planned healthcare services. Here are some parental insurance benefits that promise health and happiness to your loved ones in their golden years:
Financial Security
Purchasing a mediclaim for parents ensures they receive immediate medical attention without relying on family members to pay the medical bills.
Tax-Saving
Under Section 80D of the Indian Income Tax Act of 1961, you can claim deductions up to ₹1 lakh* on premiums paid for yourself, spouse, dependent children and parents.
Rising Healthcare Costs
A recent study revealed that India has the highest medical inflation rate in Asia, at 14%*. Given the growing healthcare expenses, having parental medical insurance with adequate coverage ensures your parents have access to timely and quality healthcare.
Lifestyle-Related Illnesses
Reliance General Insurance provides comprehensive health insurance for parents with add-on options that cover age-related lifestyle diseases like hypertension, obesity, and stroke without any financial worries.
Critical Illness Cover
A mediclaim policy for your parents ensures they are financially covered for the treatment of any critical or life-threatening disease.
Types of Health Insurance Plans for
Parents in India
IndusInd General Insurance brings customisable health insurance plans designed specifically to cater to the exclusive needs of your parents. The table below highlights key aspects of various health insurance plans for parents in India:
1
2
3
Super Top Up Plan
Super Top Up insurance lets you focus on getting quality healthcare during unexpected situations without worrying about the medical bills. Get insured anywhere from ₹5 lakhs to ₹1.3 crores* and get hospitalisation cover, room rent cover, pre and post-expense coverage, tax benefits up to ₹1 lakh*, and more.
4
5
Benefits & Features of
Parents Health Insurance Plan
Here is what makes health insurance for parents worth buying:
Feature | Benefits of Parents Health Insurance |
|---|---|
Rising Healthcare Cost | A mediclaim policy for parents from Reliance General Insurance ensures your loved ones receive coverage for illnesses or injuries without any financial stress. |
Cashless Hospitalisation | Whether it is frequent hospitalisation or routine doctor consultancy needs, health insurance for parents allows you to get cashless treatment anytime and anywhere in India. |
Pre and Post Hospitalisation Cover | Among the best parental insurance benefits is coverage for expenses incurred before and after medical treatment. |
Emergency Assistance | Get 24x7 assistance to deal with unforeseen circumstances like accidents or immediate hospitalisation. |
AYUSH Cover | Get coverage for alternative medical treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy. |
Tax Saving | Health insurance for parents above 60 also comes with tax benefits under Section 80D of the Income Tax Act of 1961. You can avail up to ₹50,000* as deductions on the premium paid. |
Preventive Cover | Parent’s health insurance plans provide coverage for preventive care. This includes routine check-ups and screenings to diagnose life-threatening diseases. |
Cumulative Bonus | For every claim-free year of your policy, avail of cumulative bonuses in the form of low premiums, discounts, etc. |
Here are some key features of health insurance for parents from IndusInd General Insurance:
| Features | Specifications |
|---|---|
Sum Assured | ₹3 lakh-₹5 crore* |
Cashless Hospitalisation | 10,000 + network hospitals |
Cumulative Bonus | Up to 100% |
Tax Benefits | Up to ₹1 lakh* under Section 80D of the Income Tax Act, of 1961 |
Paperwork | Online policy purchase option |
COVID-19 Cover | Available in all Health Insurance Plans |
Co-payment | Option available |
Additional Benefits | Worldwide Emergency Cover, Unlimited Restore Benefit, etc. |
Waiting Period | 30 days to 3 years for pre-existing diseases |
Sum assured can go up to ₹1 crore* under Reliance Health Gain Policy and ₹5 crore* under Reliance Health Infinity Insurance.
Why Choose Parent's Health Insurance from
IndusInd General Insurance?
Reliance Health Insurance for parents has a no-compromise policy that puts your parents' well-being over everything else. From covering regular annual preventive health checkups to focusing on offering age-related benefits, a parent's health insurance gives you more coverage at attractive discounts. Here's why one of the cheapest health insurance for parents is also the best:
5 Crore+ Family
Our happy family of over 5 crore* policyholders prove our commitment to providing some of the best health policies in India.
Variety of Plans
Reliance General Insurance offers you a range of plan options that align with your health and budget needs. Choose from individual, family-floater and senior citizen plans.
Claims Settlement Ratio
We take pride in swiftly and fairly resolving your claims. With 'Cashless Everywhere', settle your claims immediately, anywhere in the world.
Quick Processes
We offer easy online purchase and renewal options with minimal paperwork and no unnecessary medical check-ups to buy a Reliance health insurance plan.
Benefits of Buying IndusInd Health Insurance for Parents
Better Coverage
Treatments, big or small, we will take care of it.
- Cataract Treatment: Comprehensive parental insurance benefits includes cataract surgery up to a limit mentioned in your plan for ageing individuals who often face this age-related issue.
- OPD Treatment: Parental insurance benefits include outpatient expenses that elderly patients frequently need.
- Consumable Cover: Health insurance for parents covers miscellaneous medical expenses like syringes, gloves, etc., offered by Reliance Health Gain Policy to reduce your out-of-pocket expenditures.
Innovative Covers
Choose how you want to be treated.
- Modern Treatment Limits: Medical cover for parents up to 100%* of the sum insured using ultra-advanced technology, like robotic surgery, to treat certain medical conditions.
- Vision Cover: Coverage for medical expenses incurred towards eyesight correction.
- Second Opinion: Need a second option from a doctor? We’ve got you covered.
Preventive Covers
Precautionary check-ups are included because we care.
- Health Check-Up: Reliance General Insurance offers one of the best health insurance for parents available in India. Our plans ensure your loved ones are cared for before an illness hits.
- Vaccination Cover: An extremely beneficial add-on, you can extend vaccine coverage for diseases like Typhoid, Hepatitis, and more.
Family Covers
Choose the best for your loved ones.
- Home Care Treatment: Coverage for home treatment for ageing parents.
- Attendant Cover: A daily fixed amount is payable to one attendant while treatment is ongoing.
Medical Cover
Stay worry-free with Reliance General Insurance.
- Pre-post Hospitalisation Limit: Option to increase your pre-hospitalisation limit to 90 days and post-hospitalisation to 180 days.
- Air Ambulance: Access to quick airlift in case of a medical emergency or life-threatening condition.
- Radio Taxi: Option to book a radio taxi instead of an ambulance during emergencies.
- Recovery Cover: Get a lump sum amount after hospitalisation for a minimum of 7 consecutive days.
- Waiting Period: This add-on can reduce your waiting period for pre-existing diseases to 12 or 24 months.
Parents Health Insurance Plans by
IndusInd General Insurance
Reliance health insurance for parents brings to you four comprehensive policies. All four medical policies for parents ensure you give your loved ones undivided attention and care, no matter where they are.
Features | Reliance Health Global Plan | Reliance Health Infinity Insurance Plan | Reliance Health Gain Plan | Reliance Health Super Top-Up Plan |
|---|---|---|---|---|
Plan Details | World-class coverage across 7 continents. | Extended benefits with extra discounts. | A customisable policy for all. | Backup medical emergencies with top-up cover, within and outside India. |
Coverage | $1 Million* | ₹5 Crore* | ₹1 Crore* | ₹1.3 Crore* |
Basic Covers | Inpatient treatment | Inpatient treatment, daycare, AYUSH, organ donor and domiciliary hospitalisation | Inpatient treatment, daycare, AYUSH, organ donor, maternity and domiciliary hospitalisation | Inpatient treatment, daycare, AYUSH, organ donor, maternity and domiciliary hospitalisation |
Pre & Post Hospitalisation Benefit | 15 days and 30 days | 90 days and 180 days | 60 days and 90 days | 90 days and 180 days |
Additional Benefits | Lifetime limit (2x annual sum insured) | Special treatments covered | Special treatments covered | Maternity cover up to ₹2 lakhs* |
Transportation benefit | Repatriation of mortal remains up to $15,000, rehabilitation for accidents $2300 | Emergency ambulance and ₹500* per hospitalisation | Ambulance cover | ₹3500* ambulance cover per hospitalisation |
Tax Benefit under 80D | Up to ₹1 lakh* | Up to ₹1 lakh* | Up to ₹1 lakh* | Up to ₹1 lakh* |
Extra Cover (limited to the plan) | Pre and post-operative daycare | Restore benefits up to 100% of the sum insured | Restore benefits up to 100% of the sum insured | Modern treatments cover |
Inclusions & Exclusions: Health Insurance for Parents
What is Covered?
Hospitalisation Cover: Coverage for in-patient care is sometimes inclusive of medicine costs, doctor fees, and room rent.
Pre and Post Hospitalisation: Financial support for approximately 60 and 90 days. Some plans include diagnostic charges, consultations, and follow-up treatments.
Ambulance Charges: Ambulance cover or reimbursement option.
Day Care Cover: Covered within the sum insured.
Domiciliary Hospitalisation: Covered within sum insured if parents need medical treatment at home.
Alternate Medicine: Parental medical insurance includes cover for AYUSH and Modern treatments, depending on the plan.
Organ Donor: Surgery costs are covered under the sum insured.
Pre-existing Diseases Cover: After a waiting period, parents with pre-existing diseases will be covered depending on the plan you choose.
Cataract Treatment Cover: Coverage for cataract surgery, up to a limit specified in the plan.
Modern Treatment Cover: Coverage for advanced medical procedures and new-age methods like robotics surgery, stem cell therapy and more.
Mental Illness Cover: Health insurance full cover for parents include hospitalisation expenses due to a mental illness.
Domiciliary Hospitalisation: Medical expenses are covered for home treatments if a patient is unable to receive medical treatment in a hospital.
OPD Treatment: Coverage for outpatient expenses like diagnostic tests, prescription drugs, consultations, and dental treatment.
What is Not Covered?
Distinct Treatments: Health insurance plans may not include treatments like cosmetic or plastic surgery, obesity/ weight control, hormonal treatments, self-detachable or removal of artificial body parts, and correction of eyesight.
Non-Medical Costs: Investigation and assessment of illnesses, Rest and rehabilitation care and Non-Allopathy/Treatment except AYUSH
Specific Events/Injuries: Any self-inflicted injury, substance or alcohol abuse, hazardous activities and injuries from adventure sports, suicide attempt, injuries from nuclear attack.
Routine Check-ups: Health insurance coverage for parents will include annual preventive health checkups only.
Other Treatments: Maternity and dental treatment costs may not be included in basic parental medical insurance but can be part of add-ons.
Global Exclusions: Unless otherwise opted for, worldwide medical coverage is not part of parents' basic health insurance plans.
Gender Treatment: Any expenses incurred for gender transition are not covered.
Unproven Medical Treatment: Experimental treatments not recognised by medical practitioners are not covered.
Hearing Aids and Spectacles: Expenses incurred for hearing aids, contact lenses, and spectacles are excluded unless mentioned in the policy.
Eligibility Criteria for
Health Insurance Plans for Parents
Parameter | Criteria |
|---|---|
Age | A health insurance-dependent age for an adult starts from 18 years to 65 years |
Policy Period | Mediclaim policies for parents range from 1 year to 2 years and 3 years IndusInd Health Super Top Up Plan offers lifelong renewal benefits
|
Family Floater Policy | One of the key family health insurance benefits is access to wellness programs. These programs often include preventive health check-ups, fitness activities and health monitoring tools. Our family floater plans include comprehensive wellness programs to promote the overall well-being of your family. |
Plus | 2 Adults (self & spouse) and 6 children |
Power | 4 Adults (self + spouse + one set of dependent parents) and 6 children |
Prime | 6 Adults (self + spouse + one set of dependent parents + set of parent-in-law) and 6 children |
Health Insurance for
Dependent Parents vs Individual Plans
When planning to have health insurance plans for your parents, you have two options. You can add them as a dependent on your policy or an employer-provided group policy until they reach the maximum dependency age of 60 or 65 years.The second option is individual health insurance plans for parents depending on their age-related needs and budget.
Adding Parents as Dependents | Individual Plan |
|---|---|
Advantages
| Advantages
|
Disadvantages:
| Disadvantages:
|
How to Choose Health Insurance for Parents?
Keep these points in mind before you choose your parent's health insurance:
Coverage
Always choose insurance for parents after assessing their needs and considering related details regarding the plan cover. Reliance Health Global offers international coverage anywhere in the world, including the US and Canada.
Pre-existing Illness Cover
Check if your health insurance policy covers pre-existing diseases and their waiting periods. Reliance Health Insurance offers reduced waiting periods, thereby ensuring quick access to treatments.
Network Hospitals
Check the number of network hospitals associated with the insurance provider and their accessibility near your parent’s home. Reliance General Insurance has over 10,000+ network hospitals in India.
Add-ons
If you have ageing parents, you must check if their health insurance plan offers add-ons like critical illness or personal accidental cover. Reliance Health Infinity Insurance plan offers double cover with 100% of the sum insured for the same claim.
Claim Settlement Ratio
Select plans from insurers with a high claim settlement ratio for a hassle-free claim experience.
Exclusions
Understand inclusions and exclusions before selecting a health insurance plan for your parents. IndusInd Health Gain plan excludes non-allopathy treatment except AYUSH, adventure sports, and cosmetic surgery.
Why Should You Buy
Health Insurance for Parents Online?
Convenient
Compare policy features, parental insurance benefits, and pricing at the click of a button. Reliance General Insurance has a user-friendly platform making it easy to buy policies from anywhere.
Compare Plans
Access all policy details and easily compare plans online. Quick side-by-side comparison helps you make a more informed purchase, ensuring you select a plan suited to your needs.
Instant Issuance
You can apply for a policy within minutes from your home and get immediate confirmation of its issuance. This helps you save time in case of a medical emergency.
Online Discounts
Online policy purchases have discounts that will help you save more. Since insurance providers save on operational costs, you get a better value for your investment.
Premium Payment
Paying online via digital portals is both safe and convenient. This ensures maximum transparency of payments made without the hassle of cash or cheques.
No Paperwork
Buying mediclaim policy for parents through the online mode eliminates the issue of managing multiple documents. All documents are stored online and sent directly to your registered e-mail.
How to Buy Health Insurance for Parents Online?
You can follow the below steps when buying a mediclaim policy for parents online from IndusInd General Insurance:
Visit the IndusInd General Insurance website and click ‘Health Insurance.’
To view policy prices and details, fill in your name, number, and area PIN code. Click ‘View Prices’ to buy health insurance for parents.
Choose the type of coverage you need- Outpatient Department (OPD), global or top-up.
Select your sum insured, add-ons (if any), and tenure, and customise your policy as per your parent’s needs.
Provide personal details, make the payment securely online, and get one of the best health insurance for your parents via e-mail.
Health Insurance Premiums, Deductibles, and OOP Costs
Health Insurance Premiums
Premium is the amount paid to the health insurance company to maintain your coverage. Your premium amount depends on factors like age, health conditions, add-on options, etc.
Health Insurance Deductibles
This is the amount you must pay before your policy begins paying for the expenses covered. Deductibles can impact your health insurance coverage, for instance, higher deductibles mean lower premiums.
Copays in Parents Health Insurance
It is a percentage or fixed amount paid by you against medical expenses incurred. The insurer pays the remaining amount during a claim settlement. A doctor’s fee is an example of a copay.
Coinsurance in Health Insurance
It is your share of the cost incurred during a medical expense. If your policy states a 30% coinsurance, it implies you are liable to pay 30% of the medical bill.
Out-of-pocket (OOP) Costs
OOP expenses in Health Insurance are the amount of money you have to pay for medical expenses not covered by insurance. Copays, coinsurance, deductibles, and non-covered health care expenses are OOP costs.
Parent's Health Insurance Renewal Steps
You can renew a mediclaim policy for parents online through the Reliance General Insurance website or Reliance Self-i app. Both the processes for renewing parental medical insurance follow a simple 3-step procedure.
On the Website
Visit the Renewal Section: On the Reliance General Insurance homepage, navigate to Renewal > Renew Health Insurance.
Enter Policy Details: Renew health insurance plans for parents by using your policy number and its expiry date.
Complete Payment: Click “Go” and follow the payment instructions to complete the renewal process.
On IndusInd Self-i App
Download the App: Download IndusInd Self-i app from the app store.
Access Your Policy: If you are an existing customer, you can easily log in to the app to access all your policy details.
Renew Your Policy: Select the health insurance plan for parents that you want to renew and complete the payment process.
Note: Almost all health insurance plans for parents offer a grace period for policy renewal. It can vary from 15 to 30 days, depending on the insurer. No insurance coverage is provided during this period, but your policy is intact. Failing to renew your policy within the grace period will lead to a lapse and loss of all accumulated benefits.
How to Save Tax with aHealth Insurance Plan for Parents?
According to Section 80D of the Income Tax Act, 1961, you are eligible for deductions on the money spent towards health insurance plans for parents.
You can claim the premium paid towards maintaining a mediclaim policy for parents for up to ₹50,000 for individuals below 60 years of age. The maximum deductions allowed is ₹1 lakh for individuals above 60 years.
Another parent's insurance tax benefit is preventive health checkup expenses. Suppose the aggregate insurance premium paid towards health insurance plans for parents is within the maximum limit. In that case, you can claim up to ₹5000* under preventive health check in a given financial year.
Mediclaim for Parents andIts Impact in India
India is the second most populous nation in the world, with 1.4 billion citizens and growing. Almost 10% of this population is above 60 years of age, with an average life expectancy of 67 years*.
Health is a top concern for densely populated economies like India. When a country's gross domestic product depends on the health of its working population, finding an adequate mediclaim policy for parents becomes vital.
As of 1 April 2024, the Insurance Regulatory and Development Authority of India (IRDAI) has removed the 65-year age limit for those looking to buy one of the best health insurance policies in India for parents.
However, health insurance penetration in India is low due to limited reach and lack of education. Despite a rise in the adult literacy rate in India at 69.3%*, out-of-pocket expenditures account for 62.6%* of the total healthcare expenses. It is considered the highest in the world.
A comprehensive health insurance policy for elderly parents is crucial for timely and required healthcare services, from bearing the cost of ambulance charges during an emergency to ancillary services like diagnostic tests.
If you are searching for the best health insurance in India for parents, choose Reliance General Insurance, which provides plans at affordable premium options. Additionally, you can get up to 40% discounts* when you purchase the policy of your choice online.
Medical Insurance for
Parents vs. Individual Plans
As parents reach their 60s, they tend to become more susceptible to common illnesses. These lifestyle and age-related medical conditions may require frequent visits to hospitals. Rising medical costs add to the financial and emotional strain, focusing on the need for a comprehensive parent's health insurance plan. In these scenarios, health insurance plans for parents offering tailored coverage to meet their health needs become vital.
Features | Parent Health Insurance | Individual Health Insurance |
|---|---|---|
Premium | Health insurance for parents covers pre-existing illnesses and ancillary costs, besides offering add-on options like critical illness | Individual health insurance plans with medical coverage will have lower premiums but lesser coverage, potentially increasing out-of-pocket costs in the long run |
Benefits | A specific parent's health plan offers benefits like lifelong renewability, providing coverage throughout life. | Individual health coverage offers no additional benefits for elderly parents. |
Coverage | Parent's health insurance plans offer tailored coverage up to a sum insured of ₹5 crores*, including home care, modern treatments, critical illnesses, annual checkups, and alternative medical treatments like AYUSH. | Individual health plans do not offer such comprehensive coverage needed by your parents. |
Note: Unless you opt for a child health insurance plan, eligibility criteria for adults start from 18 years and go up to 65 years*
Parents Health Insurance Vs Health Insurance Plans for Family
| Features | Parents Health Insurance | Family Health Insurance |
|---|---|---|
Premiums | Medical insurance for parents have high premiums due to age-related cover. | Lower premiums due to shared cover. |
Sum Insured | Higher sum insured to meet changing health needs of your parents. | Sum insured to match the family’s health history. |
Pre-existing Diseases | Minimal to no pre-existing diseases (PED) waiting period for parent health insurance plans. | May have to wait for special ailments coverage but have the option to reduce their pre-existing disease waiting period. |
Add-ons | Wide range of add-ons like OPD cover, Cataract treatment, critical illness cover, etc. | Limited add-ons due to the standardised nature of the plan. |
Coverage Flexibility | The policy can be tailored to meet the health needs of your parents. | A shared sum covers the health needs of all family members. |
How to Calculate Health Insurance Premium for Parents?
Calculating health insurance premiums for parents helps you get an accurate estimate of the amount you need to pay for regular health insurance coverage for parents. At Reliance General Insurance, we consider several factors, including age, policy type, sum insured and add-ons, to calculate the premium for health insurance for parents.
Step
Visit Website
Go to IndusInd General Insurance and find the Health Insurance page.
Step
Enter Personal Details
Provide your age, phone number and other basic information.
Step
Provide Information
Enter details & add-ons. Click “Get Price” to see estimated premium and discounts.
Claim Procedure for IndusInd General Parents Health Insurance
As a policyholder, you can choose a cashless claim for parental insurance or a reimbursement claim as per your convenience. Mediclaim policy for parents by Reliance General Insurance offers a straightforward claim process. Reliance General Insurance has paid over ₹6,921 crores* in claims.
Cashless Claims
Register Your Claim
Fill up a pre-authorisation format the hospital and inform our health insurance claims team by calling (+91) 22-4890-3009, via e-mail or through Reliance Self-i application. Submit documents, as required, for claims approval.
Settle Claims
Once your medical treatment is complete, the hospital’s TPA desk will send us your medical bills. We will coordinate and settle your bill as per your policy terms.
Get Treated
Once your claim is approved, you can get treated at any hospital. Reliance General Insurance offers ‘Cashless Everywhere’ for hassle-free treatments at a hospital of your choice.
Reimbursement Claim
Register Your Claim
If you choose to get treated at any non-network hospital, inform our health insurance claims team by calling (+91) 22-4890-3009, via e-mail or through Reliance Self-i application, after you are advised hospitalisation.
Pay Bills
You must pay the bills initially for a reimbursement claim. Keep the original bills and submit them during the claim.
Complete Treatment
Once your claim is registered, get treated at a hospital of your choice.
Submit Documents
Submit original documents within 7 days of discharge from the hospital to initiate a reimbursement.
Note: The insurer will verify your claims and supporting documents. Once the claim process is complete, you will receive the reimbursed amount in your linked bank account.
Documents Required for
Parent's Health Insurance Claim
At Reliance General Insurance we ensure health insurance for parents does more than cover you during medical emergencies. You can claim parents' health insurance hassle-free by providing the correct and original parent's health insurance documents listed below for different kinds of hospitalisations:
Day-Care Procedure | Domiciliary | Domiciliary |
|---|---|---|
Claim Form - Filled & Signed | Claim Form - Filled & Signed | Claim Form - Filled & Signed |
Prescription | Diagnosis Report | 1st Prescription by Doctor |
Investigation Reports | Investigation Reports | Treatment & Investigation Reports |
Original Medical Bills | Original Medical Bills | Original Medical Bills |
Original Discharge Card | Admission & Discharge Card | FIR copy (in case of accident) |
FIR copy (in case of accident) | Cancelled Cheque | Doctor’s Certificate stating the condition of the patient |
Cancelled Cheque | Bank Statement or 1st page of Passb | Document proving lack of accommodation at the hospital (if relevant) |
Bank Statement or 1st page of Passbook | PAN Card of the insured patient | Bank Statement or 1st page of Passbook |
Health Card Copy | Copy of Patient ID card | Copy of Patient ID card & PAN Card |
Note: The above list of documents is only indicative. You may have to submit scanned copies of original documents and additional information if required.
Tips to Keep in Mind When Buying Health Insurance for Parents
Buying health insurance plans for parents is an essential tool to protect your loved ones from unexpected medical expenses. Reliance General Insurance offers a variety of parental medical insurance plans that significantly impact your and your parent's life. The process of buying comprehensive health insurance for parents is not all black and white. There are grey areas that are easy to miss and can pose challenges during claim settlements. Keep these tips in mind when buying a mediclaim policy for parents:
Coverage
Understand coverage provided by different plans during hospitalisation. It is the maximum amount you can claim during the entire tenure of your insurance policy.
Fine Print
Health insurance for parents includes detailed fine print that must be carefully read and understood before you pick one. While it is advisable to consult friends and family who have purchased a policy before, you must note these plans are constantly updated by insurers.
Benefits
Almost all health insurance plans for parents come with additional benefits that make buying a policy worthy. Utilise them during your policy period. Access to network hospitals, lifetime renewal benefits, pre-existing disease cover, and portability options are some key benefits you must be aware of.
Policy Changes
You cannot take any chance when it comes to the well-being of your parents. So, stay updated on any policy-related changes made by your insurer during the cover period. It helps avoid last-minute stress and lets you focus on your parent's healthcare needs.
Reliance General Insurance
Aapke Protection ka All-rounder
Frequently Asked Questions
Which is the best health insurance for parents?
Here is how you can select the best health insurance for parents:
- Adequate Cover: Ensure that the policy covers all the medical needs of your parents.
- Budget Friendly: The plan suits your budget and the medical requirements of your parents.
- Benefits: Buy a plan that offers maximum healthcare benefits to your elderly parents.
- Lifetime Renewability: Ensure the health insurance chosen for your parents offers a lifetime renewability option. It helps keep them protected for life.
How do I get medical insurance for my parents?
Follow the below steps to buy a health insurance policy for parents online from Reliance General Insurance:
- Visit Reliance General Insurance website and click ‘Health Insurance’.
- To view policy prices and details, fill in your name, number, and area PIN code. Click ‘View Prices’ to buy health insurance for parents.
- Answer a few personal details about your family and requirements. The website will suggest a quote based on the details filled by you.
- A representative from Reliance General Insurance will get in touch with you regarding the confirmation of your purchase. Your parents will have a medical checkup before policy issuance.
- Once cleared, read policy documents carefully before signing.
How to choose a good health insurance plan for my parents?
Before you buy health insurance for parents, check the below points:
- Assess plan coverage
- Health insurance premiums
- PEDs and their waiting period
- Lifelong renewability option
- Network hospitals
- Claim settlement ratio
- Inclusions and exclusions
- Online reviews
Till what age can a dependent stay on their parent's insurance?
A dependent in India can stay on their parent's insurance till they reach the age of 25. After 25 years of age, the dependent must get their policy to enjoy coverage. However, age limits can differ with insurers. Read your policy documents carefully before making a purchase.
What document is required for parents' health insurance tax exemption?
When filing your income tax returns (ITR), no documents are required as proof to claim benefits under Section 80D of the Income Tax Act, 1961. However, it is important to note medical expenses claimed under this must have proof of payment in any mode other than cash.
My parents have pre-existing conditions—can I still get health insurance for them?
You can choose a health insurance plan that covers pre-existing illnesses for them. The premium for these plans will be higher than others and include a waiting period. Choose plans that offer short waiting periods for diseases.
What are the premium payment methods available on the Reliance General Insurance website?
You can securely pay your premium amount by using your credit card, debit card, net banking, Unified Payments Interface (UPI) or through EMI (equated monthly instalment) on our website.
Do I need to pay my mother and father’s premium separately?
If both your parents have individual health insurance covers, you will need to pay premium amounts separately for each.
How can I calculate my parent’s health insurance premium?
Health insurance premiums are influenced by various factors, including age, medical condition, medical history, type of coverage, and add-ons. You can use our online health insurance calculator to easily calculate your health insurance premium.
Are health insurance premiums higher for ageing parents?
Health risks increase with age pushing health insurance premiums for your parents higher. More coverage means higher premium costs.
What is the current GST rate on health insurance premiums?
During the 56th GST Council Meeting in New Delhi, the Indian Government revealed a groundbreaking decision to exempt all health insurance policies from GST, starting September 22, 2025. The GST rate on health insurance premiums has been lowered to zero. Previously, premiums faced an 18% GST, which greatly raised the total cost.With this exemption, only the base premium is charged - making health insurance more affordable and accessible for individuals.
How does the GST exemption impact my health insurance premium?
With Zero GST, your premium is now reduced by up to 18% compared to before.You won't have to pay tax on health insurance policies anymore.This change is effective for new purchases and renewals starting September 22, 2025.
Example: A policy that earlier cost ₹15,000 (including ₹2,288 GST) will now cost approximately ₹12,712 - saving you nearly ₹2,300
Will my existing health insurance policy benefit from the GST exemption?
Yes, renewals made on or after September 22, 2025 will benefit from Zero GST.If your policy was issued before this date, GST still applies.The exemption is tied to the policy issuance and renewal date, not just payment.Future renewals will reflect the GST-free pricing, reducing your premium cost.
Do I need to pay GST on health insurance purchased before September 22, 2025?
Yes, policies purchased or issued before September 22, 2025 still include 18% GST.The Zero GST exemption applies only to policies issued or renewed on or after that date.Future renewals will reflect the GST-free pricing.
What does the new GST regulation effective 22nd September mean for Health Insurance premiums?
Starting 22nd September 2025, the GST (Goods and Services Tax) on individual health insurance premiums has been reduced to 0%, down from the earlier rate of 18%.
Will my Health Infinity renewal premium reduce after the GST removal?
Yes, Your Health Infinity renewal premium will decrease if the renewal takes place on or after September 22, 2025.
Does the GST regulation apply to both new purchases and renewals of Health Insurance?
Yes, the new GST regulation effective from 22nd September 2025 applies to both new purchases and renewals of individual health insurance policies.
Does the GST change impact Health Gain, Health Infinity, Super Top-Up, and Hospi Care plans equally?
Yes, The GST exemption starting from 22nd September 2025 is applicable to health insurance plans such as Health Gain, Health Infinity, Super Top-Up, and Hospi Care. Provided that the policy is issued and the risk begins on or after this date, there will be no 18% GST charged on premiums. This change makes these plans more budget-friendly for both new purchases and renewals.
I renewed my health policy before 22nd September with GST - am I eligible for adjustment?
If your health insurance policy was renewed before September 22, 2025, and you paid GST, you are not eligible for any refunds or adjustments,The GST exemption applies only to transactions made on or after the effective date. Since your payment was completed earlier, the GST charged was valid under the previous tax rules and cannot be retrospectively refunded.
Can I claim health insurance benefits for pensioner parents?
If your parents are pensioners, you can still pay for their medical coverage and get a tax rebate on the premiums paid under Section 80D of the Income Tax Act, of 1961.
What documents are needed to file a health insurance claim?
At Reliance General Insurance, to file a health insurance claim, you'll need to provide your policy documents, ID proof, address proof, hospital bills, and any additional documents as required. You can contact us for the complete list of documents for your claim.
Which process is better: a cashless claim or a reimbursement claim?
Both processes are simple, and your choice depends on your immediate medical requirements. However, cashless claims offer quick and convenient processing with no upfront payment required. At Reliance General Insurance, our health insurance plans include the 'Cashless Everywhere' feature, allowing you to benefit from cashless claims without being limited to network hospitals.
How long will it take to settle my health insurance claim?
Cashless claims are settled directly with the hospital within a few days. Cash reimbursements can take up to three to four months after verification.
What is a good CSR?
CSR or Claim Settlement Ratio is the percentage of insurance claims settled by an insurance company compared to the total claims received within a specific period. A good CSR is typically 95% or higher. This means that the insurance company settles 95 out of every 100 claims it receives.
How can I renew my parent's health insurance plan?
You can renew a health insurance policy for your parents online either through Reliance General Insurance website or Reliance Self-i app.
If I forget to renew my parents’ health insurance policy, will they still have coverage?
Almost all health insurance plans for parents offer a grace period for policy renewal. It can vary from 15 to 30 days, depending on the insurer. No insurance coverage is provided during this period, but your policy remains intact. Failing to renew your policy within the grace period will lead to a lapse and loss of all accumulated benefits.
Can I add or remove add-ons to my parents’ health insurance policy during renewal?
You can adjust your parent’s health insurance policy coverage to meet their changing medical needs during renewal.
Is a pre-medical check-up required when I renew my parent's health insurance policy?
Usually, a pre-medical check-up is not required when renewing an existing health insurance policy. However, specific terms and conditions may vary depending on the choice of your policy. It's best to check the renewal guidelines provided by your insurance provider or contact their customer service for detailed information.
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