Health Insurance for Parents

Protect your parents from the financial burden of medical emergencies with the best health insurance.

What is Health Insurance for Parents?

Health insurance is a way to protect yourself and your family from the financial burden of an unforeseen illness or injury. It gives you peace of mind knowing that quality medical services will be available for your loved ones even if you are not immediately present. When you want your parents to be looked after, one of the first things you should do is ensure you get them a well-rounded health insurance policy. It is vital to have medical insurance for parents above 60 years. Health insurance for parents provides extensive protection against age-induced medical conditions and emergencies that may lead to a financial burden. Choosing the right medical insurance for parents is essential. Check out Navi’s comprehensive Health Insurance plans if you want the best health insurance for parents. Navi’s health insurance plans offer cashless treatment, cover hospital bills and give you the benefit of a higher insured sum.

Benefits of Family Health Insurance

Features & Benefits of Health Insurance for Parents

You can choose to file cashless claims for the costs incurred at one of our 10,000+ hospitals. In other words, you do not need to bear any out-of-pocket payments to the hospital. We will handle the costs on your behalf while you take care of your parents.
No extensive paperwork is needed. Enjoy digital processing, including the purchase of health insurance and the submission of cashless claims. Download the Navi app and get started!
Receive a ‘No Claim Bonus’ each year you do not make a claim. A portion of the insured amount is carried over to the following policy year if you do not submit a claim in the current year.
Obtain an additional sum assured for the inpatient treatment of an accidental injury that the insured person incurred as the only and direct result of a traffic accident.
Get a policy year’s worth of automatic restoration of up to 100% of the base sum insured as stated in the policy document.
Get affordable health insurance plans for your parents with coverage ranging from Rs. 2 lakh to Rs.1 crore. Take advantage of the option to pay your premiums in EMIs starting at Rs.235 per month. Avail of these policies in just 2 minutes on the Navi app.
A special perk only for you! We offer an additional 5% discount on your premium at the time of policy renewal if you walk an average of 4000 steps per day for at least 250 days.
*Terms and Conditions Apply

Health Insurance Policy Inclusions

100% Hospital Bill Covered

100% Hospital Bill Covered

We cover your entire hospitalisation bill along with other related medical expenses from 90 days before to 180 days after hospitalisation

Pre and Post Hospitalisation

Pre and Post Hospitalisation

With Navi Health Insurance Plan, you get comprehensive medical coverage 90 days before hospitalization and 180 days after

Hospitalisation at Home

Hospitalisation at Home

Get medical treatment at home for 3 or more days due to patient’s adverse health condition or unavailability of hospital bed

Unlimited Online Consultations

Unlimited Online Consultations

You can get unlimited online doctor consultations with the top doctors of the country at to additional cost

Additional 100% Sum Insured for Accidental Injury

Additional 100% Sum Insured for Accidental Injury

For road accident injuries, we provide additional 100% sum insured once existing sum insured amount is exhausted

Organ Donor Expenses

Organ Donor Expenses

We cover organ donor’s hospitalisation cost

Air Ambulance

Air Ambulance

Get up to ₹5 Lakh for emergency transfer via air ambulance

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

New Born Baby Benefits

New Born Baby Benefits

Hospitalisation expenses of up to ₹10,000 for newborn baby within 90 days of birth

Health Insurance Policy Exclusions

Dental Treatment

Any planned dental treatment is not covered under the health insurance plan

Eye Treatment

Any planned eye-treatment is not covered under the health insurance plan

Alcoholism/Drug

Any health complications caused by alcoholism or drug abuse aren't covered under the health insurance policy.

Alcoholism/Drug

Why Do You Need Health Insurance for Parents?

Health insurance for parents safeguards your parents in times of medical emergencies.
Here’s why you need one:

Ensure Financial Safety

The cost of healthcare is increasing. Health insurance for parents ensures the hefty medical bills incurred during hospitalisation or medical expenses do not dent your budget.

Keep Your Parents Safe from Lifestyle Diseases

Our way of life has quickly transformed, and this has caused a rise in diseases linked to lifestyle. You can ensure financial security with a parent's health insurance coverage against costs incurred for treating such illnesses.

Low-Cost Premiums

You only need to pay one premium for a parent's health insurance; you don't need to pay premiums for each insured person. As a result, parents’ insurance policies are more affordable than individual ones for each parent.

Make Tax Benefit Claims

Get tax benefits on your insurance premium under section 80D of the Income Tax Act and save on your tax outgo. Under section 80D, individuals are eligible for income tax deductions of up to Rs.25,000 (Rs.50,000 for parents above 60 years).

Get Complete Protection

When facing a medical emergency, a parent with a chronic illness—such as hypertension, diabetes, or asthma—may need financial support. These illnesses are covered by a comprehensive health insurance policy, adding another degree of financial security.

How to Buy a Family Health Insurance Plan for Family

Considering purchasing a family health insurance plan? Give Navi Health Insurance a go. Get the most benefits possible at a reasonable premium and with minimal paperwork. To register, simply download the Navi app.

Follow these instructions to purchase Navi Health Insurance for your parents:

Download the Navi app from Play Store or App Store
Our insurance advisor would ask you a few simple questions
Get an instant quote based on your personal and health details
You have the option to pay your insurance premium in EMIs starting at ₹235 per month
Get instant access to all policy-related documents

How to Apply For Family Health Insurance?

Network Hospitals

Manipal Hospital

Aster Hospital

Manipal Hospital

Aster Hospital

How to File Insurance Claims with Navi?

How to File Claim for Health Insurance for Parents

You can file for both cashless claims and reimbursement. Here’s how you can file claims:
  1. Select your admittance date
  2. Visit your nearest Navi network hospital
  3. Go to the insurance help desk and provide the following details
    • Insurer – Navi General Insurance
    • TPA – Medi Assist
  4. Keep your policy document and ID proof ready for reference
  1. Select your admittance date and hospital
  2. Upload all the medical documents on the Navi App
  3. Track your claim with our claims tracker
  4. You will be notified once your claim is approved

How to Choose the Right Insurance for Yourself?

Sum Insured

Considering the rising medical costs, try to buy a policy that provides adequate cover. A policy with a low coverage amount may not be sufficient for you and your family. Navi Health Insurance offers health cover up to Rs.1 crore*

Cashless Settlement

Insurance companies have tie-ups with hospitals, commonly known as network hospitals. Check if your insurer provider has a long list of network hospitals. You can get cashless claims in 10,000+ network hospitals with Navi Health Insurance

Claim Settlement Process

Every insurer looks forward to a hassle-free claim settlement process and every quality insurance company strives to maintain an excellent claim settlement ratio. With Navi Health Insurance, claim settlement is a breeze

Affordable Premium

There should be a balance between insurance cover and premium. Considering affordability as a major factor, we have introduced insurance premium payments in EMIs. Our insurance premium EMIs start at just Rs.235/month*

Know Your Requirement

Your requirements can include the sum insured, how many members you are planning to add, the ailments you want to be covered, etc. Understand your requirements and purchase a policy to maximise on policy benefits

Waiting Period

Waiting period is the time span during which you cannot claim some or all of the benefits of your policy. It is crucial to know the waiting period for various ailments mentioned in your policy to make an informed decision.

Top Hospitals In Cities

Manipal.c463cdb4

Manipal Hospital

Apollo.62f06b3b

Apollo Hospital

Fortis.2673ea86

Fortis Hospital

Max.8013c6e1

Max Healthcare

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What our customers say about us

My whole claim experience was hassle free & very good, both during admission and discharge time. I have already recommended Navi Health Insurance to many friends & will continue doing so.
The best thing about Navi Health insurance was completely paperless buying experience and great customer support. I found Navi health insurance to be most affordable policy with amazing benefits
I was happy with the overall claim experience. Most important part was it was cashless and I got quick response by Navi team. Will definitely recommend Navi Health Insurance to family and friends!

Frequently asked questions

If you have parents who are elderly, have lifestyle diseases, illnesses or are disabled, it may make sense for them to receive benefits from a health insurance policy rather than paying out of pocket for their expensive treatments. If they end up needing expensive surgery or diagnosis but don’t have any savings set aside, having a health insurance plan will ensure they’re protected financially.
The best time to buy health insurance for your parents is when they are 60 years or below. This is because the premiums will be much cheaper than for those who are above 60 years. However, there are some exceptions. You may want to consider buying them an insurance plan at any age of their life. The faster their health is insured, the lesser worry for you.

When purchasing insurance coverage for your parents, there are a few things you can do or bear in mind to improve it, including:

  • Select a suitable insurance amount
  • Pick the appropriate coverage package
  • Provide health insurance to enough riders
  • Verify the waiting period and the required age for renewal
When there is a co-pay, the insured person must cover a portion of the hospitalisation costs out of pocket. No copay coverage is available from Navi, which means that subject to limitations and conditions, we will cover the total cost of your hospitalisation up to the amount insured.
A parent health insurance policy provides coverage to your parents, while an individual health plan offers health coverage only to the insured person. For a personal health insurance policy, you pay the premium only for one person/individual. For a parent health insurance policy, the premium paid once every payment cycle will be shared as a sum insured by both your parents.
Reimbursement is the process when you admit your parents under any medical treatment or facility and place the bill for reimbursement to your insurer. The insurer’s office is liable to pay you for all the sum incurred as per the policy document. Cashless treatment, on the other hand, is the process of getting your parents to avail of medical treatment at zero cost. You will not have to pay any money directly to the medical facility, and all costs will be taken care of by your insurer.

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