Why A Health Insurance for your Father is the perfect gift this Father’s Day ?
Your father has been your support system right since the time you were born. Undoubtedly, your mother gives birth and nurtures you but a father’s contribution is equally important. He bears 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. It secures their medical necessities even when you are not around by paying bills for diagnosis, investigations, hospitalizations and medicines. Looking at the development in medical science and inflation, the medical treatment expenses is bound to rise, hence it’s important to gift a health insurance plan to your dad and secure him for a lifetime.
How to choose the right health insurance plan for father?
Before you just pick one plan from the various insurers you need to first know what an ideal health plan for your dad looks like.
No entry age restriction
You must look for a health plan which does not imply any entry age restriction, so basically even if your dad is in his late 60s the policy should cover him. Our Health Suraksha insurance offer no entry age limit you can buy this policy for any age group.
No room rent sub limits
In case of an hospitalization you don’t really have to worry about room rent limits. You can choose any room category without worrying about the bed charges, nursing expenses or ICU cost.
Pre existing diseases waiting period
Pre-existing ailments refer to any disease you’ve been treated in the past. You need to ensure that the waiting period for pre existing disease is a little on the lower side. For example, if your dad is a diabetic then the treatment expenses for any ailment related to diabetes would start only after the pre existing disease waiting period.
Get a health plan for your father which allows you to renew till lifetime. So you don’t have to worry about buying a new health plan or changing the policy after a few years.
No premium hikes
Usually premium is directly proportionate to age, higher the age higher the premium. However, after a certain age the premium doesn’t change. For example our my:health Medisure Super Top Up doesn’t increase the premium post 61 years. It works well in the long term.
Your dad may wish to undergo treatments other than allopathic medicines so choosing a health insurance which covers alternate treatments like Ayurveda, Homeopathy, Unnani or Siddha may also have healing effects.
HDFC ERGO has designed health plans keeping in mind the need of your dad’s growing age and the quantum of medical attention needed. This father’s day choose the right health insurance for him and secure him from the burden of growing medical expenses, which may hamper his hard earned savings.
The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.