Parents Health Insurance

Name: Parents Health Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

Parents' health insurance is a specially designed plan that provides financial protection against medical emergencies for your ageing parents. These plans include hospitalisation costs, day care treatments, OPD visits, international treatments and so on. Since these plans are designed to cover your ageing parents’ needs, the coverage is customisable with high range of sum insured.

By 2025, the elderly population was expected to reach 158.7 million, and is expected to grow further by 2050, which highlights an increasing need for health insurance coverage that understands the evolving needs and supports your parents. This is where we come in, with comprehensive policies and top-notch features that support your needs.

At IndusInd General Insurance (previously known as Reliance General Insurance), we offer tailored parents’ health insurance with customisable plans, international coverage across 7 continents and a high sum insured of up to ₹5 crore. In addition to providing stress-free healthcare attention, our health insurance for parents leaves you calm, knowing your loved ones are taken care of during unexpected events.

Why US

Why 8 Crore+ Policyholders Trust Us?

A health insurance plan covers for these unexpected medical expenses, ensuring you don't have to bear the financial burden. You can focus on getting the medical care you need without worrying about the cost. In simple terms, health insurance helps you to reduce or avoid a larger financial stress by paying a comparatively smaller premium.

Health Insurance Pillar

Up to 40% Off on Premiums

More coverage & more savings!

24x7 Customer Support

Get quick support anywhere!

Over 10,000 Network Hospitals

Quick cashless claims pan-India!

AYUSH & Modern Surgery Treatments

Get 100% SI coverage for both

Why Do You Need Dedicated Medical Insurance for Parents?

Employer Health Insurance is Often Not Enough

Most corporate health plans have low sums insured (₹2–5 lakhs) and strict limits. A single hospitalisation for parents, especially in private hospitals, can exhaust this cover very quickly. But a health insurance that considers high medical needs and offers features like unlimited restoration or double cover helps sustain the high medical costs.

Medical Costs Rise Sharply After 50

With age, the chances of hospital visits increase due to lifestyle diseases, surgeries, or sudden emergencies. Treatments, such as CABG, orthopaedic surgeries and cancer treatment can easily cross ₹5–10 lakhs today in Indian cities. Plus, with highest annual medical inflation rate of 14%, treatment can cost even more in the future.

Parents Often Have Pre-Existing Conditions

According to NITI Aayog, 75% of India’s elderly population have at least 1 chronic condition like diabetes, BP, heart issues, or arthritis. In other words, every fourth Indian person over 60 years of age has poor health. Thus, a dedicated medical policy for parents ensures they are covered after the waiting period and provides adequate coverage for related costs.

Family Floater Plans Get Strained

Including parents in a family floater increases premiums sharply and reduces coverage for everyone. But a separate policy designed to protect only parents with specialised coverage and higher limits ensures coverage for all, without compromising your spouse’s or children’s health cover.

Cashless Treatment During Emergencies

In emergencies, arranging money is the last thing families should worry about. A parents’ health insurance plan with strong hospital networks ensures smoother, faster, cashless treatment. With over 10,000+ network of reputed hospitals* spread across the country, you can ensure getting quick treatments for your parents.

It Protects Your Savings and Your Peace

Medical emergencies can wipe out years of savings meant for children’s education or retirement. A dedicated plan ensures your parents get the care they deserve without putting financial pressure on the family. In addition, you also save more on taxes for premiums paid towards your ageing parents’ health insurance.

Features of Parents' Health Insurance Plans

Feature	Details
Coverage	₹3 lakh-₹5 crore
Global Sum Insured	Up to $1 Million
Pre and Post Hospitalisation Cover	✅
AYUSH Cover	✅
Preventive Cover	✅
Cashless Hospitalisation	✅
Emergency Assistance	24/7 assistance available
Cumulative Bonus	Up to 100%
Paperwork	Zero
No Room Rent Capping	✅
Day Care Procedures & OPD Cover	✅
Ambulance Cover	Up to ₹3,500 per hospitalisation
Co-payment	Option + Waivers available
Network Hospitals	10,000+

Disclaimer: The coverage features, prices and discount rates stated in the table are subject to change. Please check your policy documents to know your exact benefits and coverage limits, or contact customer support for further assistance.

What’s Covered and Not Covered Under Parents Health Insurance?

What is Covered?

Hospitalisation Cover: Coverage for in-patient care is sometimes inclusive of medicine costs, doctor fees, and room rent.

Day 1 Coverage: We offer day 1 coverage under our parents’ health insurance for accident-related claims and medical emergencies, ensuring prompt and comprehensive coverage.

Pre and Post Hospitalisation:
Financial support for approximately 60 and 90 days. Some plans include diagnostic charges, consultations, and follow-up treatments

OPD Treatment: Coverage for outpatient expenses like diagnostic tests, prescription drugs, consultations, and dental treatment.

AYUSH: Includes cover for alternate treatments under AYUSH and Modern treatments, like robotics surgery, stem cell therapy and more.

Pre-existing Diseases: Covered after a 3-year waiting period. Parents with pre-existing diseases will be covered, depending on the plan you choose, and we also offer options to reduce the waiting period to 1 or 2 years.

Cataract Treatments: Coverage for cataract surgery, up to a limit specified in the plan.

Home Care and Day care: Covered within the sum insured if parents need medical treatment at home.

Organ Donor & Modern Treatments: Surgery costs for donors and modern treatments like robotic surgeries are covered under the sum insured.

What is Not Covered?

Non-Medical Treatments: All medically necessary expenses are covered. But treatments such as wellness therapies, dietary supplements, and cosmetic surgeries are not included.

Lifestyle and Fertility Treatments: Procedures related to weight management, fertility or infertility, contraception, and vision correction are not covered under the policy.

Legal and Statutory Exclusions: Medical expenses arising from self-inflicted injuries, suicide attempts, war, nuclear risks, or involvement in illegal activities are not payable.

OPD & Congenital Conditions: OPD expenses linked to hospitalisation are covered. For full OPD coverage, an OPD add-on is required. Congenital conditions are generally not covered; please contact us for clarity on specific cases.

Waiting Periods: Accident-related claims are covered from day one. Other illnesses have a standard 30-day waiting period, while pre-existing diseases have separate waiting periods that can be reduced with add-ons.

Experimental or Unapproved Treatments: Treatments that are not recognised or approved by the IRDAI or the World Health Organization (WHO) are not covered.

Disclaimer: For the complete list of Inclusions and Exclusions, please refer to the policy wording here.

Things to Consider Before Purchasing the Best Health Insurance for Parents

As parents grow older, hospital visits can shift from “maybe” to “anytime.” A plan with high sum insured and no room rent limits ensures you don’t have to compromise on treatment when emergencies strike unexpectedly.

How our plan helps: Higher coverage options and wide hospital access reduce last-minute stress.

Blood pressure, diabetes, heart issues or joint problems often exist long before symptoms worsen. Choosing a plan with a shorter waiting period for pre-existing diseases is crucial when parents need care sooner, not years later.

How our plan helps: Flexible PED waiting periods with add-ons help with getting quicker coverage for specific illnesses.

A single hospitalisation today can cost what used to cover years of care. With India’s medical costs rising sharply, relying on savings alone can hamper your financial plans.

How our plan helps: High sum insured options of up to ₹5 crores* and global coverage protect savings from sudden medical shocks

When you live in a different city or country, emergencies feel heavier. Parents shouldn’t struggle with approvals, paperwork or hospital coordination while you’re rushing to reach them.

How our plan helps: Cashless hospitalisation and quick claims support reduce chaos during emergencies

Parents often need multiple admissions for the same or related illnesses. Without features like sum insured restoration, coverage can run out faster than expected.

How our plan helps: Automatic restoration ensures coverage stays available when it’s needed most.

The guilt of “What if something happens and I’m not prepared?” stays at the back of every caregiver’s mind. A good parents’ health insurance plan is as much about emotional relief as financial protection.

How our plan helps: Comprehensive coverage lets you focus on being there for your parents—not worrying about hospital bills.

Eligibility Criteria to Buy Medical Insurance Plans for Parents

What Do We Verify?	Eligibility Details Required
Age	Parents aged 18 years and above. Senior citizen plans typically start from 60 years.
Policy Type	Available as Individual or Family Floater, depending on plan eligibility and parents’ ages.
Nationality & Residency	Indian residents and NRIs can purchase, but the insured parent must be living in India.
Medical History (PEDs)	All pre-existing diseases (diabetes, BP, heart conditions, etc.) must be disclosed at proposal stage.
Waiting Period for PEDs	Standard waiting period of up to 3 years for pre-existing conditions.
Waiting Period Reduction	Optional add-ons allow reduction of PED waiting period to 12 months, where applicable.
Medical Tests	May be required based on age, health condition, or chosen sum insured.
Lifestyle Disclosure	Disclosure of smoking, alcohol consumption, and health habits is mandatory.
Sum Insured Eligibility	Maximum sum insured depends on age band, medical profile, and plan selected.
Policy Tenure	Policies are available for 1 year or multi-year options, subject to plan terms.
Renewal Eligibility	Lifelong renewability available with no maximum renewal age, subject to timely renewal.

LHow to Buy and Renew IndusInd Parents’ Health Insurance?

Buy Online

Scroll Up: Go to the form at the top to buy health insurance for parents. Use the calculator below for a quick quote.

Choose Coverage: Select the sum insured, policy tenure, and add any required add-ons based on your parents’ needs.

Enter Details: Fill in your parents’ basic details and medical history accurately.

Check Premium: Accept the terms and click on “Check Our Prices” to view the premium.

Pay & Get Policy: Make the payment online and receive the policy instantly via email.

Renew Online

Select Renewal: Go to the form above and choose the “Renewal” option. You can also tap “InstaRenew” on our app.

Enter Policy Details: Provide your existing policy number or registered mobile number to renew.

Verify via OTP: Click “Send OTP” and complete verification.

Review Coverage: Check your existing coverage and update add-ons if needed.

Pay & Renew: View the revised premium, pay online, and renew the policy instantly.

How are Premiums Calculated for Parents’ Health Insurance?

Health insurance premiums for parents are calculated based on risk and expected medical costs. You can also calculate an estimate of premium based on your unique requirements using our online premium calculator given above, before choosing the best medical insurance for your parents. Since parents are usually older and more likely to need medical care, insurers look at a few key factors to decide the premium.

Age of Your Parents

Age is the biggest factor. Premiums increase as parents move into higher age brackets (60+, 70+), because the chances of hospitalisation, surgeries, and chronic illnesses are higher.

Pre-Existing Health Conditions

Conditions like diabetes, BP, heart issues or arthritis affect premiums. These conditions are considered as they can increase future treatment costs while calculating the premium.

Sum Insured Chosen

Higher coverage means higher premiums but also better protection. For parents, a higher sum insured is often recommended because hospital bills rise quickly during emergencies.

Type of Plan Selected

Senior citizen–specific plans usually cost more than regular family floater plans, but they offer age-appropriate benefits like lower co-pay stress, day-care coverage, and simpler claims.

Co-Payment and Deductibles

Plans with mandatory co-payments (where you share part of the bill) or higher deductibles generally have lower premiums. This is common and helps keep premiums affordable.

Add-Ons and Optional Covers

Add-ons like OPD cover, reduction in waiting period, or higher room rent increase the premium slightly—but can save a lot later, especially for frequent doctor visits.

City of Residence

Medical costs vary across India. Parents living in metro cities usually attract slightly higher premiums due to higher hospital and treatment costs.

Homepage Curated Plans Client Extension

How to Save Tax on Parents Health Insurance Policy?

Use Section 80D’s Separate Limit for Parents

Under Section 80D, you get an additional deduction just for parents’ health insurance.

● Up to ₹25,000 if parents are below 60
● Up to ₹50,000 if one or both parents are senior citizens (over 60 years)

This is over and above your own health insurance deduction.

Pay the Premium Yourself (Not Your Parents)

To claim the tax benefit, you must pay the premium from your own bank account. Even if the policy is in your parents’ names, the deduction is allowed only to the person who pays.

Claim Preventive Health Check-up Expenses

You can claim up to ₹5,000 per year for parents’ preventive health check-ups under Section 80D. This amount is within the overall 80D limit, but it helps when no hospitalisation has happened.

Senior Citizen Parents? Medical Bills Can Count Too

If your parents are 60+ and not covered by health insurance, you can still claim up to ₹50,000 for their medical expenses under Section 80D. This is especially useful when insurers deny coverage due to age or health conditions.

Parents Health Insurance vs. Health Insurance Plans for Family

Features	Parents Health Insurance	Family Health Insurance
Premiums	Has high premiums due to age-related cover.	Lower premiums due to shared cover.
Sum Insured	Higher sum insured to meet changing health needs of your parents.	Sum insured to match the family’s health history.
Pre-existing Diseases	Minimal pre-existing disease (PED) waiting period.	May have to wait for special ailments coverage but has the option to reduce their PED waiting period.
Add-ons	Wide range of add-ons like OPD cover, Cataract treatment, critical illness cover, etc.	Limited add-ons due to the standardised nature of the plan.
Coverage Flexibility	The policy can be tailored to meet the health needs of your parents.	A shared sum covers the health needs of all family members.

How to Choose the Best Medical Insurance for Parents?

IndusInd medical policy for parents brings to you four comprehensive policies. All four medical policies for parents ensure you give your loved ones undivided attention and care, no matter where they are. Here’s a table of all our plans for a quick glance, comparing the best features. Choose the one that best suits your needs:

Features	Health Infinity	Health Gain	Health Global	Super Top-Up
Plan Details	Extended benefits with extra discounts.	A customisable policy for all.	World-class coverage across 7 continents.	Backup with top-up cover, within and outside India.
Coverage	₹5 Crore	₹1 Crore	$1 Million	₹1.3 Crore
Basic covers	Inpatient treatment, daycare, AYUSH, organ donor and domiciliary hospitalisation	Inpatient treatment, daycare, AYUSH, organ donor, maternity and domiciliary hospitalisation	Inpatient treatment	Inpatient treatment, daycare, AYUSH, organ donor, maternity and domiciliary hospitalisation
Pre & post hospitalisation benefit	90 days and 180 days	60 days and 90 days	15 days and 30 days	90 days and 180 days
Additional benefits	Special treatments covered	Special treatments covered	Lifetime limit (2x annual sum insured)	Maternity cover up to ₹2 lakh
Transportation benefit	Emergency ambulance and ₹500 per hospitalisation	Ambulance cover	Repatriation of mortal remains up to $15,000, rehabilitation for accidents $2300	₹3500 ambulance cover per hospitalisation
Tax benefit under 80D	Up to ₹1 lakh	Up to ₹1 lakh	Up to ₹1 lakh	Up to ₹1 lakh
Extra cover (limited to the plan)	Restore benefits up to 100% of the sum insured	Restore benefits up to 100% of the sum insured	Pre and post-operative daycare	Modern treatments cover

Steps to File a Health Insurance Claim Online

Steps to file a Claim:

Notify Us Promptly

Planned hospitalisation? Inform us at least 48 hours before admission.
Emergency? Notify us within 24 hours of hospitalisation.

How to Contact Us?

Email: igicl.icarehealth@indusindinsurance.com, App: IndusInd Insurance App

Website: https://transact.indusindinsurance.com/

Courier (for offline submission):
IndusInd General Insurance,
3rd Floor, Krishe Block, Krishe Sapphire,
Madhapur, Hyderabad – 500081

Phone: 022-4890 3009 / 022-4111 2600

Cashless Treatment at Network Hospitals

Once you notify, IndusInd General Insurance will:

Verify your policy and send an approval letter to the hospital.
Alert the hospital about any missing documents within 4 hours.
Reject and notify if treatment isn’t covered.

Cashless Treatment at Authorised Non-Network Hospitals

The Cashless Everywhere feature allows you to avail of cashless hospitalisation even at non-network hospitals.
The cashless claim is available via the IndusInd health claims team, ICARE, on your health card:

Call: 022-4890 3009 (Paid).
Submit documents to ICARE.
ICARE will coordinate for cashless approval if eligible.

Reimbursement Claims (Any Hospital)

If cashless is denied, don’t worry. You can still claim via reimbursement.

Fill and sign the claim form.
Submit required documents (bills, prescriptions, discharge summary, etc.) within 15 days of treatment.
We will process and pay the approved amount, usually within 30 days.

Disclaimer: For precise claim-related information, please refer to policy documents or get in touch with our customer helpline.

Documents Required for Claims

Policy & ID Proof - Copy of the health insurance policy for parents, a valid photo ID, and address proof of the insured person.

Hospital Records - Admission note, discharge summary, doctor’s prescriptions and treatment reports.

Bills & Receipts - Original hospital bills, pharmacy bills, diagnostic test invoices and payment receipts.

Claim Forms - Duly filled and signed claim form provided by the insurer or downloaded online.

Bank Details - Cancelled cheque or bank passbook copy for reimbursement credit.

Additional Documents (If Required) - FIR for accidents, medico-legal report or employer leave certificate, if applicable.

Disclaimer: For precise claim-related information, please refer to policy documents or get in touch with our customer helpline.

Key Takeaways

Health insurance for parents is not just about covering hospital bills. It’s about ensuring they get timely, quality medical care without financial stress. With age-related health concerns rising, a dedicated parents’ health insurance plan becomes essential for long-term security.

At IndusInd General Insurance (formerly known as Reliance General Insurance), we offer thoughtfully designed medical insurance plans for parents that cover hospitalisation, pre- and post-treatment expenses, and access to a wide network of hospitals across India. Our plans are built to support both planned treatments and sudden emergencies. Plus, with a digital-first buying and claims process through our app, quick renewals, and responsive customer support, managing your parents’ health insurance is simple and hassle-free. Protect their health today, so you can focus on caring for them—not worrying about medical costs.

IndusInd General Insurance

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IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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4.8 ★ ★ ★ ★ ★ (508)

Ritik

Noida

Value for money

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick.

Srivathsav Parthasarathi

West Midnapore

4.5

Seamless digital experience

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.

Sateesh Kumarkuchipudi

West Godavari

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Vanga Naveen

West Godavari

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.

Sirraatchuta Ram Babua

West Godavari

Quick policy issuance

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Manoj Kumarmogha

New Delhi

Quick policy issuance

Buying a health policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.

Vasantha

Wayanad

Value for money

I recently purchased my health insurance and found the experience to be smooth. I will provide dertailed feedback post my claim settlement process has been completed.

Jasmin K

Wayanad

Seamless digital experience

From start to finish, the process of getting my health insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Nazeer Salma Abdulla

Wayanad

Quick policy issuance

I had a positive overall experience while applying for Health insurance. The coverage provided matches my expectations and feels comprehensive.

Sripal Reddymadhi Reddy

Warangal

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance Insurance Company (now IndusInd Insurance Company) . The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.

Veeraiah Kamatam

Wanaparthy

Quick policy issuance

Buying a Health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. I am satisfied with the main policy and don't see a need for extras.

Sivaganesh Madamsetti

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

Sudha Ranimadabattula

Visakhapatnam

Quick policy issuance

I recently purchased my health insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Yerususatya Prasad

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. The process felt reliable and I would recommend it to others.

Karu Rama Rao

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Ravi Teja Anem

Visakhapatnam

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance (now IndusInd) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Bhimabattula Aruna Devi

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Kantimahanti Balakrishna

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.

Prasad Rao Rayavarapu

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Ramachandran

Villupuram

Quick policy issuance

The journey of purchasing Health insurance from Reliance (now IndusInd) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Sanjit Kumar Tiwari

Vaishali

Seamless digital experience

The journey of purchasing health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive.

Vishanth K

Uttara Kannada

Quick policy issuance

From the start to the conclusion, the Reliance (now IndusInd) experience of acquiring my health insurance was straightforward. It aligned well with my requirements and felt personalized to my situation.

Akk Amma Anand Kumarsiddanavar

Uttara Kannada

Quick policy issuance

I recently purchased my health insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

N Amitha Ramesh

Tumakuru

Quick policy issuance

From start to finish, the process of getting my Health insurance was convenient. The plan offered exactly the type of coverage I was expecting. A printed copy of the policy papers would make the Reliance Insurance Company (now IndusInd Insurance Company) experience even better. I found the entire process trustworthy and efficient.

Ramakrishna Prasadvadala Setty

Trimulgherry

Quick policy issuance

From start to finish, the process of getting my health insurance was convenient. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good Reliance Insurance (now IndusInd Insurance) experience.

Prasanna Lakshmi Kuruganti

Trimulgherry

Quick policy issuance

Buying a health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage.

Indumathi Indumathi

Tiruvannamalai

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.

Pandurangdah M

Tiruvallur

Quick policy issuance

From the very start to the finish, the procedure of getting my health insurance from Reliance General Insurance (now IndusInd General Insurance) was seamless. It addressed my requirements adequately and seemed tailored to fit my needs

C Jaikanth

Tiruvallur

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. It would be helpful if a physical copy of the policy could also be provided. I'm happy with how everything went and feel secure with my policy.

Ramesh L

Tiruvallur

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage.

Nirmala Chell Appa

Tirunelveli

Quick policy issuance

The journey of purchasing Health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. No complementary product was necessary for me at this stage. Overall, it was a seamless Reliance Insurance Company (now IndusInd Insurance Company) experience and I am satisfied.

Ganesan Aarathi

Tiruchirappalli

Quick policy issuance

From start to finish, the process of getting my health insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy.

Saji Chandran

Thrissur

Quick policy issuance

Buying a Health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Grace Mathew

Thrissur

4.5

Seamless digital experience

I had a positive overall experience while applying for Health insurance. It aligns well with what I needed from an insurance policy.

Anoop T M

Thrissur

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance General Insurance (now IndusInd General Insurance). The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.

Kencysam Sr Kency Samsr

Thiruvananthapuram

Quick policy issuance

From beginning to end, obtaining my health insurance was a smooth Reliance (now IndusInd) experience. It aligned perfectly with my needs and seemed customized just for me.I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Wafa Mol R N

Thiruvananthapuram

Quick policy issuance

I liked how the platform offered clear comparisons. It helped me understand the differences and choose confidently.

Vinoth R

Thanjavur

Quick policy issuance

From the very beginning to the very end, the process of obtaining my health insurance from Reliance General Insurance (now IndusInd General Insurance) was easy and efficient. It met my needs thoroughly and felt specifically designed for me.

Sampada Vijay Jagdale

Thane

Quick policy issuance

From start to finish, the process of getting my Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Geetanjali Ganpat Namaye

Thane

Quick policy issuance

The health insurance experience was smooth and reassuring. I felt like I was making an informed choice without pressure.

Bibinagar Sureshchary

Telangana

Quick policy issuance

From the initial stage to the final step, the procedure of securing my health insurance from Reliance Insurance (now IndusInd Insurance) was straightforward. It fulfilled my expectations admirably and felt personalized to suit my needs.

Pawan Kumar

Tarn Taran

Quick policy issuance

Buying health insurance was a pleasant surprise. The platform was easy to use, and the policy I selected felt well-suited to my needs.

Modugusatish Reddy

Suryapet

Quick policy issuance

I have just secured my health insurance and realized that the entire Reliance Insurance Company (now IndusInd Insurance Company) experience was extremely efficient. It fits my insurance policy needs perfectly.

Kanakai Ahgudipati

Suryapet

Quick policy issuance

I had a smooth experience buying health insurance. The platform guided me through each step, and the coverage felt comprehensive.

Hiralsagar Bhaisardhara

Surat

Quick policy issuance

The journey of purchasing health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.

Amit Bhaidurlabh Bhai Rajpara

Surat

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance Company (now IndusInd Insurance Company) and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs.

Ankur Kotnala

Surat

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance (now IndusInd) . It aligns well with what I needed from an insurance policy. No additional coverage seemed required for my needs.

Anil Kumar Ram Sringarsaroj

Sultanpur

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. It met my requirements well and felt tailored to my needs.

Marxia Tamil Selvan

Sivaganga

Quick policy issuance

The health insurance process was straightforward and reliable. I felt confident in the coverage and appreciated the overall flow.

Prasad Nangunoori

Siddipet

Quick policy issuance

Buying a health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. I felt that my protection needs were well addressed with this policy. I found the entire process trustworthy and efficient.

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Frequently Asked Questions (FAQs)

Which health insurance is best for parents?

Here is how you can select the best health insurance for parents: Adequate Cover: Ensure that the policy covers all the medical needs of your parents. Budget Friendly: The plan suits your budget and the medical requirements of your parents. Benefits: Buy a plan that offers maximum healthcare benefits to your elderly parents. Lifetime Renewability: Ensure the health insurance chosen for your parents offers a lifetime renewability option. It helps keep them protected for life.

How to choose a good health insurance plan for my parents?

Before you buy health insurance for parents, check the below points: Assess plan coverage: Ensure it covers hospitalisation and common age-related illnesses. Health insurance premiums: Check affordability for long-term yearly renewals. PEDs and waiting period: Know when pre-existing conditions will be covered. Lifelong renewability: Confirm the policy can be renewed for life. Network hospitals: Choose a plan with nearby cashless hospitals. Claim settlement ratio: Higher ratio means better claim reliability. Inclusions and exclusions: Understand what is covered and what isn’t.

My parents have pre-existing conditions—can I still get health insurance for them?

You can choose a health insurance plan that covers pre-existing illnesses for them. The premium for these plans will be higher than that of others and include a waiting period. Choose plans that offer short waiting periods for diseases.

What is the maximum age to stay on parents' health insurance?

A dependent in India can stay on their parents' insurance till they reach the age of 25. After 25 years of age, the dependent must get their policy to enjoy coverage. However, age limits can differ with insurers. Read your policy documents carefully before making a purchase.

What document is required for parents' health insurance tax exemption?

When filing your income tax returns (ITR), no documents are required as proof to claim benefits under Section 80D of the Income Tax Act, 1961. However, it is important to note medical expenses claimed under this must have proof of payment in any mode other than cash.