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Parental Health Care

Insured parents are happy and healthy parents. One of the most critical aspects of today’s life should be to ensure secure and affordable health insurance for everyone, most important being the older generation.Health coverage for parents is now receiving particular attention and support from everybody.

Without proper insurance at the right age, we face tremendous difficulties later. We need to remember that for parents without adequate insurance, the medical expenses associated with a critical illness can lead to financial devastation. In recent years, health care costs have hit the sky in India.Routine and chronic illnesses suffered in old age can threaten your job security and financial stability.

Despite the importance of health insurance, millions of parents go without coverage.You can enjoy absolute peace of mind by taking proper parental health insurance at the right age. Some of the major advantages if anyone in your family is admitted to hospital are:

  • You have your choice of hospital.
  • Choosing the right plan can even get your own private hospital room, including pre and post hospitalization benefits.
  • Your policy takes care of your hospital costs (including doctors' and specialists' fees, plus accommodation/theatre costs).
  • You will generally have a shorter wait and greater freedom to choose your timing for surgery.
  • When parents are covered, children automatically learn to undertake health insurance policies and regularly access health care early in life.

Tips to save on health insurance:

Most of the Indian families depend upon only one source income in the family. We all know ‘every rupee saved is every rupee earned.’ Below are some tips for saving on private health cover while taking advantage of all the benefits private health insurance allows you to:

  • Always remember to compare private health insurance quotes to get the best deal.
  • Pay the premium before the policy expires to enjoy the continuity benefit provided by the companies.
  • Read the policy terms and conditions properly and carefully to know the maximum benefits offered based on your need.
  • Never delay on the claim process. It is always easier to claim benefits on the spot, rather than reimbursement.
  • Know the cashless hospitals associated with your policy beforehand, so that you do not waste time during emergency.

IF this is the first time you are considering to go for health cover for your parents, we recommend that you read Reliance General Insurance scheme of  senior citizens health insurance. Some of the key highlights of this policy are as below:

  • Maximum entry age - 65 years. Extended coverage till 75 years in the case of Renewals.
  • 50% reimbursement on pre acceptance medical test charges for accepted proposals
  • At Renewal - No Premium loading
  • Instant Policy Issuance through online and on call (1800 3002 8282) below 45 yrs of age
  • Policy without Medical test till 45 yrs for clean medical proposals
  • No room rent or ICU cost restriction
  • Reimbursement of Cost of Health Check up after 4 claim free years
    No Copayment, No Capping/ sub limits
  • Cashless Facility and No deductions in Non Network hospitals
  • Renewal Reward - No Claim Bonus
  • Coverage of Pre-Existing Diseases after 4th year of renewal
  • Pre and Post-hospitalization, Nursing Allowance, Local Road Ambulance Services, Expenses on Accompanying Person
  • 50% reimbursement on pre acceptance medical test charges for accepted proposals
  • At Renewal - No Premium loading.

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Registered Office: 
Reliance General Insurance,
Reliance Centre, 19 Walchand Hirachand Marg, Ballard Estate, Mumbai, Maharashtra - 400001
IRDA Reg. No. 103 dated 23/10/2000. Insurance is the subject matter of solicitation.

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