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.

Features & Benefits of Health Insurance for Parents

Treatment in Preferred Hospital

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.

Efficient Paperless Transactions

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 Reward

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.

Enhanced Sum Insured

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.

Restoration of the Base Sum Insured

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 Coverage Up to One Crore Rupees

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.

Fitness Reward

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

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

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

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

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

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

Organ Donor Expenses

We cover organ donor’s hospitalisation cost

Air Ambulance

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

Complimentary Health Checkups

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

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

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

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

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

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:

Get the Navi app

Download the Navi app from Play Store or App Store

Chat with our insurance advisor

Our insurance advisor would ask you a few simple questions

Get Instant Quote

Get an instant quote based on your personal and health details

Pay Your Premium

You have the option to pay your insurance premium in EMIs starting at ₹235 per month

Get Access to Policy Documents

Get instant access to all policy-related documents

How to Apply For Family Health Insurance?

Network Hospitals

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:

Cashless Claim Process

Select your admittance date
Visit your nearest Navi network hospital
Go to the insurance help desk and provide the following details
- Insurer – Navi General Insurance
- TPA – Medi Assist
Keep your policy document and ID proof ready for reference

Reimbursement Claim Process

Select your admittance date and hospital
Upload all the medical documents on the Navi App
Track your claim with our claims tracker
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

Different Type of Health Insurance

Trusted by Millions of Users

1 M+

App Downloads

1 L+

Loan Sanctioned

1 Cr+

Loan amount disbursed

1 L+

Active Loans

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

Why should you get your parents covered under health insurance?

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.

What is the best time to buy health insurance for your parents?

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.

How can I improve my parents' health insurance coverage?

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

What is Co-pay?

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.

What is the difference between a parent health insurance policy and an individual health plan?

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.

What is the difference between reimbursement and cashless treatment?

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.

Blogs

Apr 15

How To Claim Health Insurance And What To Do If The Claim Is Rejected?

It’s wise to be prepared for a sudden medical emergency. A health insurance policy can provide necessary financial support to get medical treatment in time.

Mar 07

10 Best Health Insurance For Parents In India Covering Age-Related Ailments

The perks of health insurance for parents include a higher insured sum and full coverage for a wide range of ailments arising due to age.

Apr 30

Features & Benefits Of Different Types Of Health Insurance Policies

Health insurance offers financial protection in case of medical emergencies that may arise due to an accident or critical illness.

Know More

Explore our videos

Watch this video on YouTube

What is Auto Restoration? | Auto Refill Benefit in Health Insurance | Navi Health Insurance

Watch this video on YouTube

Navi Health Insurance - Policy Benefits, Exclusions, Waiting Period | Navi

Watch this video on YouTube

How to save Income Tax with Health Insurance | Section 80D of I-T Act | Hindi | Navi-pedia videos

View all

Know More About Navi Health Insurance

What is a Family Floater Health Insurance Plan?

A health insurance plan for parents reimburses you for costs incurred due to your parent’s medical care. As a result, you are protected from having to use your savings to cover incidents that require expensive treatments and hospitalisation. It offers comprehensive coverage for both parents in a single premium.

In most cases, medical insurance covers both parents. In the case of a single parent, the premium and coverages are adjusted accordingly. The level of coverage you choose to purchase will determine the premium cost.

You can avail of all benefits for the current policy year in the event of a healthcare emergency for either or both parents. Getting separate policies for each parent is confusing and comparatively expensive.

How Does Health Insurance for Parents Work?

Medical insurance for parents plans covers the medical requirements for both of your parents. However, you can customise the plan according to your needs if you want to insure only one parent. The premium and coverage will be adjusted accordingly. There are a number of preferred hospitals that you can opt for, depending on your needs.

It’s an affordable alternative to individual health insurance, considering you can cover both your parents on a single premium. Both parents will share the total sum insured for each policy year.

Advantages of Health Insurance for Parents

Let’s talk about the benefits of medical insurance for parents:

Employee family insurance benefit stays intact

A reason why many people do not want to get medical insurance for parents is because of the pre-existing family health insurance provided by their employer. We often forget to consider the urgent need for extensive healthcare for our parents and this leaves very little or no sum insured for the other family members. Thus, it is essential to get your elderly parents a special medical insurance plan, especially if they are above 60 years.

Safeguard savings

A major advantage of having health insurance for your parents is that your finances are unaffected in case of medical emergencies. The cost of surgery or treatment for any severe illness ranges from Rs.5 to Rs.15 lakh. In case of a critical illness or an accident, the cost increases. In such circumstances, your savings won’t be significantly impacted, and your health insurance will provide full coverage.

Higher insured sum

The elderly require special care. A generic family health insurance plan will not include all your parents’ healthcare requirements. Thus, parents must have dedicated medical insurance for benefits like 100% cashless transactions and 100% sum insured.

Comprehensive coverage for your parents

If you purchase insurance while your parents are below 60, your premium will be lower. However, the likelihood of contracting a sickness or illness rises over time, especially in your 60s. Most policies contain a waiting time of three to four years for pre-existing conditions making it more vulnerable.

Long-term coverage

Health insurance for parents provides long-term coverage at minimum premium amounts. The amount is significantly less compared to the cost incurred during treating critical and age-induced illnesses.

More than hospitalisation

Another benefit is the possibility of receiving benefits besides hospitalisation, such as ambulance or daycare services for your parents. Hospitalisation is not always necessary for procedures or treatments, and many insurance plans cover costs of diagnostics, consultation fees and medicines.

Tax benefits

Under Section 80D of the Income Tax Act, you can claim tax benefits of up to Rs. 50,000 if your parents are above 60 years and Rs.25,000 if your parents are below 60 years.

Online discounts

This benefit is exclusively for people who want to buy the best health insurance for parents online. In addition to ease of transaction and premium payment, they also receive lucrative discounts or added coverage benefits

How to Choose the Right Health Insurance Policy for Parents?

There are five factors you must consider to choose the best health insurance for parents:

Purchase a health plan that meets your parents’ primary needs : Health insurance has changed significantly in India over the past ten years with a variety of insurance products with various features and specifications. There are now health insurance products suitable for seniors or parents below 60. Select one that best fits the needs of your parents as they grow older.
Decide what your top priority is: Since there are many options available, figuring out your most critical need should be your priority. Does it cover pre-existing conditions your parents currently have? What are the exclusions?
Once you understand this, you may evaluate whether further coverage is necessary.
Find a cashless hospitalisation network which covers the top hospitals in your city: Choose health insurance for parents that provides a cashless payment option. Having a cashless system is generally desirable, and because each insurer has a different cashless network, you should check to see if the most well-known hospitals in your city are included in the insurer’s list of cashless hospitals for the elderly.
Estimate the exact coverage offered: Examine the finer print and look for the precise coverage your insurer provides. Inpatient hospitalisation coverage, daycare services, room rent, pre and post-hospitalisation, and critical illness coverage are the five main components of policy coverage. You might want to buy a plan that provides your parents with the most coverage.
Understand the plan’s waiting period: The waiting period is a kind of hibernating period during which you cannot file any claim. The most important waiting period to watch out for is the one for pre-existing conditions, which applies only if your parents already have a medical condition. The shorter the waiting period, the better.

How to Save Tax with Health Insurance for Parents?

If you purchase health insurance, you can claim tax benefits under section 80D of the Income Tax Act and save up to Rs. 50,000 if your parents are above 60 years. For parents below 60 years, you can claim tax benefit of up to Rs.25,000.

How to Calculate Premium for Health Insurance for Parents?

The policy premium for your parents’ health insurance depends on factors like age, medical history, location, and lifestyle habits, among others. You need to provide all these details to your insurer, and the insurance company would share a quote with you based on the details you furnish.

What are the Factors that Could Affect Your Health Insurance for Parents?

Current medical conditions: Health insurance for parents generally provides coverage to individuals with pre-existing conditions at a higher premium. If your parents have pre-existing medical conditions like diabetes, hypertension, heart disease, etc., the likelihood of their hospitalisation is higher, which can lead to higher premiums.
Medical history of your parents: The coverage and premiums also depend on your parents’ medical history and their fitness.
Members’ body mass index : Individuals with higher BMIs are more likely to experience conditions like diabetes and heart issues. This would therefore have an impact on the coverage.
History of addiction: Insurance companies do not cover alcoholism and substance abuse in their insurance plans. If your parent(s) have a history of alcohol or drug abuse, it can affect your application.
Age of the members: The health risk of the parents would be determined by their age, which would then determine the amount of coverage and premium they could obtain.

Health Insurance Terms that You Should Know

Here are six terminologies related to health insurance that you should be familiar with since they will help you maximise your benefits.

Premium : Simply defined, your premium is the monthly cost of your insurance coverage, whether you pay it yourself or your employer does it on your behalf. Your deductible does not include premium payments.
Deductibles: You must pay your deductible for a particular set of services before your plan starts to cover qualifying payments from providers and facilities.
Copay : A copay is an upfront cost for medical services that you pay to a provider or facility, as opposed to a deductible, which is often paid over a longer period. According to your plan, this can contribute to your out-of-pocket maximum.
Pharmacy or Rx Copay: If your doctor prescribes medication, you might also be required to pay a pharmacy or Rx Copay, a one-time cost for specific medications.
Coinsurance: It is a portion of the fees you pay to a facility or provider. Coinsurance is typically applicable after the deductible has been paid.
Total member obligation: You are left with a particular sum known as the total member obligation, which includes copays, coinsurance, and deductibles after your insurance company has paid its share of the cost.

Now that you know the crucial details about a health insurance plan for your parents, you need to consider getting health insurance for your loved ones, especially your parents older than 60. It is, without a doubt, the best choice for keeping your parents safe and healthy. With the help of Navi Health Insurance’s comprehensive health insurance policy, you can easily choose health insurance for parents according to your preferences. Protect your parents against uncertainties. Download the Navi app now!

Health Insurance for Parents

What is Health Insurance for Parents?

Benefits of Family Health Insurance

Features & Benefits of Health Insurance for Parents

Health Insurance Policy Inclusions

100% Hospital Bill Covered

Pre and Post Hospitalisation

Hospitalisation at Home

Unlimited Online Consultations

Additional 100% Sum Insured for Accidental Injury

Organ Donor Expenses

Air Ambulance

Complimentary Health Checkups

Maternity Benefits

Complimentary Health Checkups

Maternity Benefits

New Born Baby Benefits

Health Insurance Policy Exclusions

Dental Treatment

Eye Treatment

Alcoholism/Drug

Alcoholism/Drug

Why Do You Need Health Insurance for Parents?

Ensure Financial Safety

Keep Your Parents Safe from Lifestyle Diseases

Low-Cost Premiums

Make Tax Benefit Claims

Get Complete Protection

How to Buy a Family Health Insurance Plan for Family

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

How to Choose the Right Insurance for Yourself?

Sum Insured

Cashless Settlement

Claim Settlement Process

Affordable Premium

Know Your Requirement

Waiting Period

Top Hospitals In Cities

Manipal Hospital

Apollo Hospital

Fortis Hospital

Max Healthcare

Different Type of Health Insurance

Trusted by Millions of Users

What our customers say about us

Dinesh Kumar

Sanjeev Kumar

Nitin Gadekar

Frequently asked questions

Blogs

How To Claim Health Insurance And What To Do If The Claim Is Rejected?

10 Best Health Insurance For Parents In India Covering Age-Related Ailments

Features & Benefits Of Different Types Of Health Insurance Policies

How To Claim Health Insurance And What To Do If The Claim Is Rejected?

10 Best Health Insurance For Parents In India Covering Age-Related Ailments

Features & Benefits Of Different Types Of Health Insurance Policies

Explore our videos

Appstore

Playstore

Company

Products

Resources

Useful Links

What is a Family Floater Health Insurance Plan?

How Does Health Insurance for Parents Work?

Advantages of Health Insurance for Parents

How to Choose the Right Health Insurance Policy for Parents?

How to Save Tax with Health Insurance for Parents?

How to Calculate Premium for Health Insurance for Parents?

What are the Factors that Could Affect Your Health Insurance for Parents?

Health Insurance Terms that You Should Know

Download the Navi app now!

Download
the Navi app now!