Health Insurance for Parents
Your parents have been your support system right since the time you were born. They bear the responsibility of bringing you up, giving you a good lifestyle and ensures you get quality education to secure your future. However, after a certain point in life our parents need our attention like good medical assistance and taking care of them when they get fragile with age. That’s when it’s important to buy a good health insurance plan for them.
my:health Suraksha Silver Smart is the most-suited plan for your parents that takes care of all their medical needs at an affordable premium.
Boost up your existing health plan with a super top-up policy that offers higher coverage at a lower premium.
Worried that you can’t afford a hospital room of your choice with your insurance plan? With my:health Suraksha you can bank in healthcare comforts.
We have a huge tie-up with 10,000+ cashless network hospitals to make sure you don’t have to pay for medical bills.
You can avail medical attention at home that too with cashless facility! We offer cashless home health care** facility for home hospitalization recommended by Doctors.
Get additional sum insured equivalent to the admissible claim amount upto a maximum of the basic sum insured.
We cover emergency and planned hospitalization for medical expenses. All expenses such as ICU, diagnosis, medicine, room rent and nursing costs remain covered.
We provide full coverage of expenses towards doctor consultations, check-ups and prescriptions that happen 60 days prior to hospitalisation.
After getting discharged from the hospital get full coverage of expenses incurred on doctor consultations, rehabilitation charges etc. till 180 days.
Transfer yourself from home to hospital, in between hospitals, and from hospital to home in an ambulance is covered.
Even if your hospitalization lasted for just one day and you get discharged within 24 hours we get you covered for 586 day care procedures seamlessly.
If you or your family member wishes to undertake any sort of alternative treatment other than allopath then you can go for of Ayurveda, Unnani, Sidha and Homeopathy treatment. We cover hospitalization expenses for alternative treatment.
If any of the insured members suffer from mental illness, the expenses for hospitalization get covered.
Get additional sum insured equivalent to the admissible claim amount upto a maximum of the basic sum insured.
We pay out a lump sum amount of Rs.15000 as recovery benefit if hospitalization exceeds 10 continuous days so that taking care of household expenses doesn’t stress you out.
Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.
You might think of causing injury to your precious self, but we don’t want you to hurt yourself. Our health insurance plan does not cover self-imposed injuries.
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that are caused due to wars.
Our health insurance plan does not cover accidents while you are participating in defense (Army/Navy/Air Force) operations.
We do understand the criticality of your disease. However, our health insurance plan does not cover venereal or sexually transmitted diseases.
Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan.
Few illnesses & treatments are covered after 2 years of policy issuance.
Declared and/or accepted pre-existing conditions at the time of application will be covered after first 4 years of continual renewals.
Only accidental hospitalizations shall be admitted.
With growing age, our parent’s immunity slows down leading to medical issues, their requirement is lot more as compared to others. Health insurance provides financial assistance to ensure that they receive timely treatment and the best medical attention for their growing age.
The premium paid towards health insurance policies for your parents qualifies for deduction under Section 80D of the Income Tax Act. The maximum amount for tax savings is capped at ^^Rs 50,000.
Yes. We at HDFC ERGO cover your parents if they have hypertension or Diabetes provided their control parametres are in acceptable limits. There would be a waiting periods of 3-4 years depending upon the plan chosen.
There’s no entry age restriction on HDFC ERGO parents insurance and they can also enjoy lifetime renewability. However, our underwriting team may advise certain tests before issuing the policy.
Pre-policy health check-up depends on the plan opted and pre-existing disease, if any.
No. Family insurance only covers 2 adult and 2 children. You need to buy a separate insurance policy for parents.
There is no disease specific restriction in HDFC ERGO Health Insurance Plans.
Register your claim within 7 days of hospitalization and send us a duly signed claim form along with all the mentioned documents within 15 days and you are done. The approved claim will be paid within 3 days. In case you are admitted to any of our network hospitals, you easily can avail cashless facility where we would directly reimburse all the admissible expenses to the hospital.
You can raise a claim via Mobile application my :health services. At HDFC ERGO, ~90% reimbursement claims are being settled within 3 days and cashless claims are pre-authorized within 20 minutes.