As you do your research to zero in on the best health insurance for your parents, note that the premium should not be the only parameter. The policy should provide decent coverage in case of hospitalisation. “Take a note of preexisting diseases (PEDs). If these are minor, such as mild hypertension or diabetes, there will be a wide variety of policy options, but if the parents have chronic diseases such as diabetes that requires them to take regular insulin shots, your options will become limited. If money is not an issue and there is no major PED, comprehensive health plans will be the best. Buy senior citizen-specific plans if your parents have a PED, but such plans come with limitations such as 20-50 per cent co-payment, room rent limits, disease-specific limits and waiting period on PEDs,” says Amit Chhabra, Head- Health Insurance, Policybazaar.com.
Key Features For Comparison
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