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  • Introduction
  • Health Insurance Plans
  • Why Choose HDFC ERGO?
  • Related articles
  • FAQs

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.

Choice is power. Exercise it by picking the plan that suits you the most.

Affordable Health Plan for Parents
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 with sum insured ranging from 3 to 5 lakhs.
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Recommended Health Plan for Parents
With sum insured ranging from 7.5 to 15 lacs, my:health Suraksha Gold Smart Plan offers optimum coverage ensuring your parents healthcare needs are always met.
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Affordable Top-up plan
Boost up your existing health plan with a super top-up policy that offers higher coverage at a lower premium. This plan will keep the stress of medical bills at bay and beat the medical inflation.
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Why do you need a Health Insurance Cover for your Parents?

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Lifestyle Diseases

When a lifestyle disease becomes a medical emergency, it’s the medical insurance which will come as a savior providing financial security.

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Inadequate insurance

Is your health plan covering you with enough protection? If not, opt for add-ons to enhance your health coverage.

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Beat medical inflation

Medical costs are increasing due to inflation. Buying a health insurance will ensure that your parents get all the medical attention in times of need.

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Big Savings

Buying health sooner comes with some benefits like lower premium and bigger covers.

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Beyond Diseases

Our health insurance plans come with wellness benefits such as right kind of diet, fitness regime, nutrition, health related tips.

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Tax Savings

If your parents are senior citizens, you get a tax benefit of ^^Rs.50,000 apart from the tax benefit on your insurance.

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Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.
Why HDFC ERGO?

All the support you need-24x7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.
Why HDFC ERGO?

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process. ~90% of pre-authorised cashless health claims are responded within 20 minutes and reimbursement claims are approved within 3 days.
Why HDFC ERGO?

Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.
Why HDFC ERGO?

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox**.
Why HDFC ERGO?

Secured Over 1 Crore+ Smiles!

Trust redefines relations at HDFC ERGO. We consistently strive to make insurance easier, more affordable and more dependable. Here promises are kept, claims are fulfilled and lives are nurtured with utmost commitment.

All the support you need-24 x 7

We understand that in times of distress, instant help is the need of the hour. With our 24x7 customer care and dedicated claims approval team, we ensure to be your constant support system in times of need.

Transparency In Every Step!

Claims is the most important part of insurance policy and we attach maximum importance to seamless claims process. ~90% of pre-authorised cashless health claims are responded within 20 minutes and reimbursement claims are approved within 3 days.

Integrated Wellness App.

We go beyond health insurance, caring for your body as well as mind. my:health services application will help you embrace a healthy lifestyle. Get your health card, track your calorie intake, monitor your physical activity and enjoy well-being at its best.

Go Paperless!

We don't like paperwork either. In this fast world, get your policy online with minimum documentation and easy payment methods. Your policy straight-away sits in your inbox**.

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Frequently asked questions

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.
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