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health insurance for parents in india

Discussion in 'H4 Indian Ladies' started by ashwini999, Jan 9, 2009.

  1. ashwini999

    ashwini999 Senior IL'ite

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    hi
    can any one please suggest me some best health insurance policy for aged parents in india..my dad is 63 and mother is 54, and looking for a good health insurance for them,that provides a comprehensive coverage...
    is bajaj allianz good? which product is good with them...
    please clarify
     
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  2. lakshmi1945

    lakshmi1945 Bronze IL'ite

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    Hi,
    See if this helps http://www.itrust.in/health-insurance/searchresults.action?d-16544-p=2
    Whether the particular insurance company is good or bad can only be decided when a claim is made and settled. Generally most of them are OK as long as the claim is not for huge sums like for CABG, and joint replacement etc. Even then major amounts of coverage can be reimbursed. Cost of medical and surgical expenses are shooting up. Dont waste time. My experience with Oriental is OK.
    Lakshmi
     
  3. Shanvy

    Shanvy IL Hall of Fame

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    ashwini,

    You better hurry to pick up insurance as the upper age limit for entry differs with many of the companies. most companies have an upper limit at 65. and some a little less too that is at 55. ..

    I think star health is the only one which has the maximum upper limit.for entry.

    LIC has a health plus, which is linked to TTK. have heard the claims are processed ok.

    Like lakshmi says, the service aspect is not clear. why dont your post the question in the money matters, asking for experiences with health insurance claims...
     
    Last edited: Jan 9, 2009
  4. premprakasht

    premprakasht New IL'ite

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    Hi,
    My Father is 56 year of age and suffering from chronic arthritis. Doctor in the BHU told that I have to make some 6-10 injection of around 1.5-2lack total to have some relief to him.

    Could any body tell that
    1) if there is any health insurance in India for his age limit
    2) How many month of premium to be paid before the claiming for refund.
    3) How much maximum money will be reimbursement? or what part of the money?
    4) Which health insurance is better?

    Please, please..!!
    Many Many thanks.
    Prem
     
  5. poojajain8319

    poojajain8319 New IL'ite

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mso-para-margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} </style> <![endif]--> You can buy health insurance policy for your father as most health insurance providers offer policies for senior citizens. One of the leading health insurance providers is Max Bupa which provides health insurance plans with assured plan renewability and any age enrollment with other comprehensive benefits. As far as previous health problems of your patents are concerned, it might come under pre-existing disease clause and might have to undergo some medical tests before insurance approval.
     
  6. baba2013

    baba2013 Senior IL'ite

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    Hi
    I am planning to take health insurance for my parents in India.
    Is Bajaj Alliance a Good insurance for senior citizens or Star insurance?
    If you know of any other good insurance, please let me know.

    Thanks.
     
  7. Prp

    Prp New IL'ite

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    Hi,

    Both my parents are diabetic(controlled by medicine and diet only) and are in early 50s and 60s. What could be the best health insurance plan in India as most of them don't cover diabetic as a pre existing condition and that too if they weren't insured earlier.I want a plan which will cover some lab work,consultation,cashless hospitalization,good network of doctors,hospitals etc.Pls suggest some good plans.
     

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