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Medical Insurance Plans for Your Parents

Parents put in a lot of hard work to bring us up and make us the individual we are today. They’ve invested their time, finances and efforts just to nurture us throughout their lives. By passing time they grow old and need care and affection. It’s our duty to look after them, especially when they are unwell. With growing age their immunity slows down leading to multiple medical issues. Inflating medical costs, doctor fees and treatment expenses may leave a dent on your savings. For timely treatment and medical check-ups it’s advisable to opt for health insurance plan.

Opting health insurance policies for parents shall not only offer financial assistance but also keep stress and impromptu medical expenses at bay. With the right health insurance policy, they’ll acquire the best medical attention even when you are not around. Keeping in mind the growing medical needs of your parents HDFC ERGO offers Health Suraksha & my:health Medisure Classic Insurance for securing the health related necessities of your parents.

Health Suraksha Insurance

Health Suraksha is uniquely designed to protect your parents. It provides maximum coverage at an affordable cost. Choosing Health Suraksha will indeed give your family a complete protection and safe guard senior citizens against spiralling medical expenses.

Key Highlights

  • No restrictions on hospital expenses such as room rent, doctor fees and medicine costs.
  • No entry age restriction
  • Lifelong renewability
  • Free health check-ups on completing 4 claim-free years
  • Massive chain of 6000+ network hospitals for cashless treatment
  • Tax savings upto Rupees 60,000 under Section 80D of the Income Tax Act


  • Minimum Documentation
  • 10% discount if one opts for two year policy tenure
  • 10% discount for more than 2 family members on individual Sum Insured basis
  • Avail 5% Cumulative Bonus at the end of each claim-free year
  • Add-ons are available to suit individual needs
  • Hassle-free claim settlement procedure.


  • There’s no maximum age restriction
  • Can be opted as Individual or family floater basis

What is covered?

  • In-patient Treatment due to illness and accident
  • Pre-hospitalization costs incurred 60 days prior hospitalization
  • Post-hospitalization costs incurred 90 days post discharge
  • Day care treatment, that do not require 24hrs hospitalization
  • Domiciliary Treatment, as advised by medical practitioner
  • Organ Donor Treatment 
  • Emergency Ambulance
  • Non Allopathic Treatment under AYUSH -  Ayurveda, Unani, Siddha and Homeopathy

(T&C apply. For detailed information on covers, please refer the policy wordings.)

What is not covered?

HIV/AIDS, medical expenses arising due to intoxication, plastic or cosmetic surgery, self-inflicted injuries, War related injuries.

(T&C apply. For detailed information on exclusion, please refer the policy wordings.)

Parents Health Insurance FAQs

  • What Is Medical Insurance For Parents?

    Medical Insurance or Health Insurance for parents is designed to meet the growing health needs of your parents.
  • Why Medical Policy For Parents Is Required?

    With growing age, our parents tend to be become more probable to fall sick, hence a health insurance cover will cover their medical expenses.
  • What Is The Age Limit?

    There is no entry age limit.
  • What Critical Illness Does It Cover?

    Critical illness cover offers Lump sum benefit in one go in case of detection of any of the listed critical illness such as cancer, heart attack and Paralysis
  • Can I Include Parents In Family Floater Plan?

    No, you need to buy a separate plan to include your parents.
  • Does Medical Insurance For Parents Gives Tax Benefit?

    Yes, upto 30,000 Rupees tax benefits can be obtained.
  • How To Calculate Medical Insurance Premium For Parents?

    Click here to calculate medical insurance premium.
  • How to get health insurance for parents above 50 years?

    You can easily get one with HDFC ERGO, since there is no entry age limit. You can get it without your parents undergoing any medical test.
  • Is it possible to get medical insurance for parents above 60 years?

  • What do you mean by annual Sum Insured?

    The annual Sum Insured is the maximum amount that Insurance Company will pay you, according to the insurance contract, in the event of a claim.
  • What are the eligibility criteria for purchasing the policy?

    HDFC ERGO's Health Suraksha Gold plan is open for all above the age of 91 days. There’s no limit on age.
  • Do these health policies offer any tax exemptions?

    Yes absolutely, you can avail tax exemptions up to a sum of Rs. 25,000 as tax benefit under 'Section 80D'. In case of senior citizens, you are allowed to avail tax exemption up to a sum of Rs. 35,000 under Section '80'.
  • Are there any medical tests that I need to undergo to enrol myself?

    No pre-policy medical check-up is required for individuals’ up to 55 years* of age, subject to no health adversity.
  • What are Pre and Post Hospitalization expenses?

    Pre-hospitalization expenses means the medical expenses incurred for specified number of days prior to hospitalization for any disease / illness / injury sustained which is covered under the health insurance Policy. And post-hospitalization expenses means the medical expenses incurred for a specified number of days after discharge from the Hospital. In ‘Health Suraksha’ the pre-hospitalization period is 60 days while the post-hospitalization period is 90 days.
  • What is meant by Day Care Procedures?

    Day care procedures are the medical procedures/surgeries wherein the person does not need to get hospitalized for more than 24 hours due to technological advancement. Health Suraksha Gold covers 144 day care treatment.
  • What are Domiciliary Hospitalization or in home treatment expenses?

    The Medical Expenses incurred by an insured Person for medical treatment taken at his home, on the advice of the attending Medical practitioner, the insured Person could not be transferred to a Hospital or a Hospital bed was unavailable.
  • What is meant by Organ Donor Expenses?

    Organ donor expenses include all hospitalization expenses incurred by the donor for donating an organ (excluding the cost of the organ) to the insured during the course of an organ transplant.
  • What is covered under the AYUSH Benefit?

    Under AYUSH benefit HDFC ERGO Health Suraksha Gold reimburses expenses for inpatient treatment taken under Ayurveda, Unani, Sidha or Homeopathy.
  • What do you mean by Pre-Existing Diseases?

    Pre-Existing Disease means any condition, ailment or injury or related condition(s) for which there were signs or symptoms, and / or were diagnosed, and / or for which medical advice / treatment was received within 48 months prior to the first policy issued by the insurer and renewed continuously thereafter.
  • What is Cumulative Bonus?

    Cumulative Bonus means any increase or addition in the Sum Insured granted by the insurer without an associated increase in premium. Under Health Suraksha, you can avail of 5% cumulative bonus for every claim free year maximum upto 50% of SI.
  • What is the procedure for reimbursement of medical expenses with HDFC ERGO Health Suraksha?

    Follow three simple steps to get your claim covered:
    1. Register your claim with us within 7 days of patient's discharge.
    2. Send the duly signed claim form and all the documents mentioned therein to us within 15 days of the occurrence of the incident.
    3. After receiving the complete set of claim documents, we will send the payment for admissible amount along with claim settlement statement within 30 days in the name of the proposer.
  • What are the benefits of a Health Card?

    A health card contains the contact details of the in house claim service team. In case of a medical emergency, you can call on these numbers for queries, clarifications and for seeking assistance. Moreover, you need to display your health card at the time of admission into the hospital.
  • Do I need to pay for Hospitalization?

    In case you are admitted in any of our network hospitals, you easily can avail cashless facility. We would directly reimburse all the admissible expenses to the hospital. However, in case of non-network hospitals, you will have to settle hospital bills at the time of discharge, and consequently, the same will be reimbursed to you by us as per Policy terms and condition, on submission of relevant document/s in originals
  • What is meant by Network Hospitals?

    Network Provider means hospitals or health care providers enlisted by an insurer, TPA or jointly by an Insurer and TPA to provide medical services to an insured by a cashless facility. For a complete list of network hospitals, Click here.
  • What is meant by Non-Network Hospitals?

    Non-Network means any hospital, day care centre or other provider that is not part of the network. The bills are settled by the Insured and the relevant documents and bills are subsequently submitted to the company. The amount, consequently, is reimbursed to the Insured.
  • Whom to contact in case of hospitalization?

    For hospitalization/claim, customer can contact via
    Call: 1800 2 700 700 (accessible from India only)
    Fax: 1860 2000 600
    Mobile App: Register our claim through our mobile app. Click here to view mobile app.
  • can I port my existing health insurance with HDFC ERGO's Health Suraksha?

    If you own a health insurance plan issued by an Indian general insurer and you want to shift to HDFC ERGO on renewal, Health Suraksha Gold policy offers portability of accrued benefits and make due allowances for waiting period etc. as per the regulation and guidelines on portability issued by IRDA(Insurance Regulatory Development Authority). If you transfer your health insurance policy from any other Indian insurer and with enhanced coverage, then the portability benefits will be offered on the previous sum insured)
  • What is family floater policy?

    A family floater policy covers all family members under a single plan wherein they share a common Sum Insured.
  • How does it work?

    The sum assured is pre-determined and reduces as and when any member avails the benefits under the plan. Such plans cover you, parents, spouses, and children.
  • What are documents required?

    Some documents required include identity, age, and address proof of all covered members. In addition, the primary holder’s income proof is needed. Certain plans may require medical examination.
  • Do I need family floater if already covered in corporate insurance?

    Yes, it is recommended because the corporate insurance coverage may be insufficient. Moreover, if you change or lose your job, you will lose the coverage.
  • What happens if the primary insured passes away?

    If the primary insured passes away, the other adult member included in the policy may continue the policy.
  • Can I increase the sum assured for family plans?

    Sum insured can be increased at renewal subject to approval.
  • What is the claim reimbursement procedure?

    You must register the claim within seven days of discharge. You must attach all the documents along with the claim form. When all documents are duly received, you will receive a claim settlement letter within 30 days.
  • Does health insurance under family plan ensure cashless hospitalization?

    Yes it does.
  • Can I change the hospital during the course of treatment?

    Yes, most plans allow you to change the hospital during the course of treatment. However, you must provide the necessary information to evaluate your case.
  • Will I be covered in case of overseas illness?

    Some insurers provide overseas benefits, such as pre-diagnosed planned hospitalization, outpatient treatment, and second opinion in case of sudden illness while travelling.
  • What can I do if cashless hospitalization is denied?

    You must check if the information provided is accurate and does not have any discrepancy. It may be denied if the condition is excluded from the plan. It is advisable to pay all the expenses and then file a claim.
  • How to get multiple insurance and how to claim under multiple plans?

    You can get multiple insurance policies from different companies. However, you must provide all information about existing policies to the other insurers.
  • How can I get a new member added to my existing family floater?

    You can easily add a new member by filling up a health declaration and endorsement form.

Calculate your health insurance premium here. Read more about health insurance hereunder our articles section.

(If youtransfer your health insurance policy from any other Indian insurer and with enhanced coverage, then the portability benefits will be offered on the previous sum insured)

my:health Medisure Classic Insurance

HDFC ERGO presents my:health Medisure Classic insurance, a health insurance plan that helps in meeting your parent’s medical necessities. You can also add my:health Medisure Classic with your employee health insurance for a larger cover to safeguard your parents. This health insurance policy is designed to ensure complete well-being and total protection. Choosing my:health Medisure Classic shall offer protective cover for your parents and also reduce the financial burden arising due to unpredictable expenses and ensure quality medical attention.

Key Highlights

  • Lifetime Entry , no upper age limit
  • Minimum Premium
  • Unlimited Day Care Treatments
  • Avail 5% Cumulative Bonus at the end of each claim-free year.
  • Massive chain of 6000+ network hospitals for cashless treatment
  • Lifelong renewability


  • Tax savings upto under Section 80D of the Income Tax Act
  • Option to choose Double Sum Insured for critical illness, as add-on
  • Option for waiving off room rent capping
  • Pre-existing waiting period of 3 years only
  • Hospital Cash
  • Recovery Benefit
  • Freedom to choose tenure of the policy; it can be either for one or two year.


  • No age restriction
  • Anyone over 18 years of age can buy this policy

What is covered?

  • In-patient Treatment due to illness and accident
  • Hospitalization due to illness, accident or injury
  • Pre-hospitalization costs incurred 30 days prior hospitalization
  • Post-hospitalization costs incurred 60 days post discharge
  • Day care treatment, that do not require 24hrs hospitalization
  • Ayurvedic Treatment costs upto 25,000 on hospitalization
  • Pre-existing diseases, after a waiting period of 3 years
  • Emergency Ambulance

(T&C apply. For detailed information on covers, please refer the policy wordings.)

What is not covered?

HIV/AIDS, medical expenses arising due to intoxication, plastic or cosmetic surgery, self-inflicted injuries, War related injuries.

(T&C apply. For detailed information on exclusion, please refer the policy wordings.)


  • What is a Pre-Existing Disease?

    Pre-Existing Disease means any condition, ailment or injury or related condition(s) for which there were signs or symptoms, and / or were diagnosed, and / or for which medical advice / treatment was received within 36months prior to the first policy issued by the insurer and renewed continuously thereafter.
  • How does the Family Floater option in my:health Medisure Classic operates?

    The Family Floater option in Health Insurance covers the family & the coverage is shared among the members of the family.
  • I am a Foreign Citizen? Can I take a health policy for my child who is continuing further studies in India?

    Yes. The scope of cover age shall be restricted to treatment taken in hospitals in India during the policy period.
  • Are naturopathy and homeopathy treatments covered under a health policy?

    my:health Medisure Classic covers only Allopathic and Ayurvedic treatment as per the coverage, terms, conditions and exclusions of the Policy.
  • Does my:health Medisure Classic Insurance cover diagnostic charges like X-ray, MRI or ultrasound?

    Health my:health Medisure Classic Insurance covers all diagnostic test like X- ray, MRI, blood tests etc as within the scope of policy during in-patient treatment. Hospitalization over 24hrs patients is mandatory. Any diagnostic tests which do not lead to hospitalization or which have been prescribed as Out-patient are not covered.
  • I have an insurance cover provided by my employer for Rs.400, 000 covering my entire family. Can I still take another policy from you?

    Yes, you can take a cover from us also mentioning about the existing policy details. This will help you to give your family additional health protection.
  • What is Co-Payment?

    Co-payment means a cost sharing requirement under a health insurance policy that provides that the policyholder/insured will bear a specified percentage of the admissible claims amount. A co-payment does not reduce the Sum Insured.
  • What is the age limit for taking this policy?

    Entry Age : 3 months to 23 years for dependent children (cover starts from 91 days of age)
    For Proposer minimum 18 years must be complete.
    Life time entry is allowed
    Optional Double Sum Insured for Critical Illness can be availed only up to the age of 65 years
  • Is health-checkup required while purchasing my:health Medisure Classic?

    Pre Acceptance Medical tests are waived off until 50 years of age for all proposed members in my:health Medisure Classic, subject to no pre-existing diseases. The completed age as on the date of proposal is considered to decide on medical test requirement.
  • Who pays for the medical examination?

    Customer undergoing the Health check-up shall pay 50% of check-up charges to the diagnostic centre. In case the test is done at network diagnostic centre and policy is approved, we reimburse 50%
  • Are cosmetic treatments or medical attention for cosmetic purposes covered?

    Plastic surgery or cosmetic surgery is covered only when it becomes medically necessary following an accident.
  • Does my:health Medisure Classic Insurance Policy offer coverage Worldwide?

    my:health Medisure Classic Insurance Policy only covers medical treatment taken within India and payments under this policy shall only be made in Indian Rupees within India.
  • What are the different modes of online payment?

    Premium can be paid by multiple secure payment modes such as debit card, net banking, e-wallet and Credit Card.
  • What if I cancel my policy mid-duration, i.e. before the policy expires?

    Cancellation can be requested by giving a request for cancellation. Refund will be on provided on Short Period Rates mentioned below:
    Period On Risk Rate Of Premium Refunded
    Upto 1 month 75% of annual rate
    Upto 3 months 50% of annual rate
    Upto 6 months 25% of annual rate
    Exceeding six months Nil
    Minimum premium of Rs.250 will be retained towards administrative charges only when the calculated refund amount is less than Rs.250. Please note that the above mentioned grid is applicable in case of zero claim during the current policy period.
  • How can I add family Members to my existing Policy?

    Newly married spouse and New Born Child (91 days intimated for addition can be accepted up to 6 months on written declaration by the Proposer and Birth certificate copy) can be added during the mid-term as well. Once the new born completes 6 months, addition can be done at the next renewal only.
  • What is the renewal process?

    Your policy remains continuous if you pay within 30 days from the date of expiry. Subject to policy received date by the insurance company.
  • Can a customer opt or Delete waiver of sublimit / critical illness in the renewal year?

    Yes, customer can opt or delete waiver of sub-limit / critical illness in the renewal year however Critical illness can be opted upto 65 years only and addition of waiver at Renewal is subject to Medical UW approval.
  • How long can I continue to renew my:health Medisure Classic Insurance Policy?

    Life time renewability can be done subject no break in policy. Renewals will be available for life time and will not be denied except in case of Fraud, Non- disclosure, mis-representation or non-cooperation from your side.
  • What are the renewal terms for a person who has claimed under CI benefit?

    On renewal the particular CI for which claim has been paid will be excluded. Rest of the Critical Illness will continue to get covered.

my:health Medisure super top up For Parents

Our parents are the most treasured gifts from god. We’ve grown up with them and they’ve always been the strength of wall for guiding us throughout our life journey. Through our thick and thin days they have constantly extended their supporting hands by sacrificing their needs. Now, it’s our time to take care of their health and ensure they get quality medical attention promptly. With growing age they may need frequent medical assistance and the rising medical costs due to advancement in technologies will surely burn a hole in your savings. For meeting medical expenses without disrupting your future plan, it is essential to opt for a higher medical cover, to assist you in delivering the best medical attention to your parents.

HDFC ERGO brings my:health Medisure Super Top for meeting your parent’s endless medical needs. A Rs. 20 Lakh cover with Rs. 5 lakh aggregate deductible, on individual sum insured basis, for your parents below 60 years will cost you only Rs. 7261 + taxes. In case you are yet to buy a health insurance for parents, you can take my:health Medisure Super Top Up as a fresh health insurance plan.

Even if you have an existing health cover for parents you can opt for my:health Medisure Super Top Up as an additional cover for increasing the existing health cover at an affordable premium. Additionally, Medisure Super Topup can be added up to any of your base policy that you hold, this base policy may or may not be with HDFC ERGO Health Insurance. For instance: You hold an existing health insurance plan with some other Indian Insurance Company, you can still add my:health Medisure Super Top Up to your current plan and increase the health cover. Isn’t it an amazing health insurance plan for parents?