Star Health Insurance – Health Insurance for Parents

Medical problems can worsen with time and age, and we frequently observe our parents dealing with age-related illnesses. Early therapy can help lessen such an illness’s pain and side effects.

However, growing medical expenditures can force care to be delayed and result in a medical emergency. To avoid this, parents should develop a strong financial safety net, including health insurance coverage designed specifically for them. These plans differ slightly from standard health insurance coverage.

Health Insurance for Parents refers to health insurance plans that cater to the needs of aging parents. These health policies are specifically designed to meet the needs of adults over the age of 45 or 50.

Let’s take a closer look at Health Insurance for Parents and see how you can choose the finest insurance for them which is Star Health Insurance: Health Insurance for Parents.

Health Insurance for Parents – Overview

A health insurance policy for parents is a health insurance plan that is specifically designed to cover the medical expenses of parents. It offers comprehensive protection against age-related disorders that can result in high medical expenditures. In addition to appealing features such as annual health exams and cashless medical care, it includes a higher covered amount to assist consumers in appropriately managing their medical bills.

Health Insurance for parents – The ultimate thing you should opt for!

As our parents get older, they develop various medical issues caused by aging. They must regularly undertake certain therapy. They are also more prone to have a variety of medical problems.

Treatment for such conditions is also very expensive. A health insurance plan for parents covers around 70% of medical expenses when our parents are hospitalized for any reason.

Because health problems can increase with time and age, we regularly see our parents suffering from age-related disorders. Early intervention can help to reduce the discomfort and impact of such diseases. However, rising healthcare costs may delay treatment, resulting in a medical emergency. A comprehensive financial safety net with health insurance coverage tailored to parents is essential to avert this.

Why do you Need Health Insurance Cover for your Parents?

You must obtain comprehensive health insurance coverage for your parents in order for them to receive the best medical treatment possible while being financially stress-free. As a result, when deciding on the best health insurance option for your parents, you should examine the following factors:

Coverage under Health Insurance: It is vital to go over the policy’s coverage benefits. Consider the term of the policy, the pre-and post-hospitalization coverage, critical illness coverage, daycare procedures, inpatient hospitalization, domiciliary hospitalization, and so on.

Amount of Adequate Sum Insured: Because your parents are older and more vulnerable to health problems, you must select a higher sum covered amount. It will ensure that they receive the best possible treatment without financial constraints.

Pre-Existing Illness Insurance: If your parents have pre-existing conditions, they will not be covered until the waiting time has expired, which is usually between two and four years. It may differ depending on the chosen plan and the specific insurer. Check the time frame after which your family’s health insurance plan will cover pre-existing diseases.

Co-payment Provision: It represents the percentage of the total for which you will be accountable. The health insurer covers the remaining medical expenses. For example, if your coverage has a 20% co-pay, you would have to pay Rs. 2 lakh out of pocket for an Rs. 10 lakh claim, with the insurance company covering the rest of Rs. A “no co-pay” clause is another option.

Tax Advantages: Section 80 D allows you to deduct from your taxable income the expense of your parent’s health insurance. If you pay for yourself, your parents, and any other dependents under the age of 60, your total tax advantage on health insurance premium payments is Rs 50,000. If your parents are over the age of 60, the maximum amount increases to Rs 75,000. It may change depending on the applicable tax constraints.

Things that are  Covered Under a Health Insurance Policy for your Parents?

Hospital bills can undoubtedly burn a hole in anyone’s wallet. You can obtain insurance coverage for the following costs with a health insurance policy:

Costs of Hospitalization: A sickness or accident can result in excessive hospital bills. Hospitalization costs are skyrocketing, but if you have comprehensive health insurance, your insurer will pay for your medical care up to the coverage level.

Hospitalization costs both before and after Health insurance plans cover both pre-hospitalization and post-hospitalization medical costs. It usually lasts between 30 and 60 days, though this can vary depending on the insurer.

Daycare policies: The insurance also covers childcare operations that do not require a 24-hour hospital stay, such as varicose vein surgery and cataract surgery. Several daycare procedures may be implemented depending on the plan chosen.

Pre-Existing Diseases: Before pre-existing conditions are covered, there is a waiting time. You can, however, choose a plan with a shorter waiting period that covers the greatest variety of ailments, such as diabetes, heart disease, and other conditions.

Major Operations: The majority of health insurance policies cover costly medical treatments such as open heart surgery and bariatric surgery. You can arrange for your parents to be treated by well-known surgeons at some of the best hospitals in India and abroad (if the plan allows).

Renewability: When buying a health insurance policy for your parents, the lifetime renewal option is usually available and is the best option.

What is Not Covered in a Health Insurance for your Parents?

Understanding the health insurance coverage provided by the policy is critical. Here are some examples of instances in which the insurance company will not pay for medical expenses:

  • Self-inflicted injuries or mental problems of any kind; excessive drinking, drunkenness, or drug use.

  • Any type of pre-existing condition

  • Diseases were discovered within 30 days of the policy’s implementation.

  • Non-allopathic treatments; expenditures connected with the purchase of eyeglasses, contact lenses, or other external assistance.

  • Dental-work-related expenses (unless it is an accident).

  • Costs connected with HIV/AIDS treatment.

  • Treatment for injuries caused by armed combat, terrorist attacks, acts done by foreign foes, and so on.

How to Choose Health Insurance for your Parents?

Finding the best health plan for your wants and specifications is easier now that so many possibilities are available for your elderly parents. You can either choose one of the plans mentioned above or check into supplementary senior citizen health insurance to ensure that your parents have the best medical treatment available throughout their golden years. Before that, here’s a quick review of the factors to consider while shopping for health insurance for your elderly parents.

Maximum Protection: Before getting health insurance for your parents, make sure you study the policy’s inclusions and exclusions. Your parents require a plan that covers them against a wide range of ailments. Since severe illnesses are more likely to occur at this age, children should unquestionably be insured. Make sure that all of the diseases on your priority list are covered.

Age Limit: Most health insurance policies cover persons between the ages of 55 and 80. Some programs, however, include entry requirements for anyone over the age of 60. Choose a plan that allows for admission at a later age and provides everlasting renewability with no upper age limit.

Waiting Period: Pre-existing conditions are covered after a lengthy wait. Choose a plan with a short waiting period that covers most ailments, such as diabetes, heart disease, and other ailments.

Compare several health insurance programs: Without a doubt, everyone wants to get the best health insurance for their parents. To ensure this, conduct thorough research on the many health insurance options available before selecting the best one.

Hospital Networks: You must review the network hospital list for the insurer you have chosen. Make sure the plan contains a list of respected hospitals in your neighborhood so that you can simply transfer the patient there in an emergency.

Insurance Cost: Insurance premiums vary according to the individual’s age, and as the individual’s age increases, so does the premium. It explains why the premium for a senior citizen health insurance plan is frequently greater than that for a basic health insurance plan. As a result, a senior citizen’s individual health insurance plan is preferred to a family floater plan.

Policy Terminology: Although you may assume that a health insurance policy document is written in “Greek and Latin,” it is necessary to review the terms and conditions and fully comprehend the policy.

Star Health Insurance: Health Insurance for Parents

The Star Care Micro Insurance Policy protects the persons covered on an individual and family floater basis. Parents up to the age of 65 can be covered under the coverage. Anyone from Tier 1 and Tier 2 cities in India who meets the age requirements can acquire this health insurance from Star Health. This coverage has indemnity limits for medical management, accidental accidents, cataracts, and procedures. It is a continuous coverage policy that can be renewed indefinitely.

Key Features

  • Children under the age of two can be insured if they are accompanied by their parents.

  • The policy can only be renewed after 65 years.

  • There is no need for a medical acceptance test prior to admission.

  • A single sum insured of Rs. 1 lakh is sufficient to cover the entire family.

  • Cash hospital benefit is provided (if treatment is taken at a government hospitalization)

  • The ability to keep health records in electronic format

  • 15-day free trial period

  • Renewability for life

Scope Of Coverage

  • Up to a specific extent, room, board, and nursing expenses are reimbursed.

  • ICU expenses are reimbursed up to Rs. 2,000. (subject to Rs. 1,000 per hospitalization)

  • Up to a specific amount, emergency ambulance expenditures are covered.

  • A cost of Rs. 1,000 is given to the Surgeon, Consultant, Medical Practitioner, or Specialist Hospital for a maximum of 14 days of hospitalization.

  • ICU costs are reimbursed up to a certain extent.

  • Pre-hospitalization costs

  • Expenses incurred following hospitalization


This idea can be proposed by anyone between the ages of 18 and 65.


  • Any disease or harm caused directly or indirectly by invasion, war, warlike actions, or any act of the foreign enemy.

  • Any condition diagnosed by the insured individual within the first 30 days of the policy’s inception.

  • Treatment resulting from pregnancy, miscarriage, childbirth, abortion, or any of these complications

  • Unless necessary in the event of an accident, dental treatment or surgery is not covered.

  • Any harm caused by self-harm


As people age and have more medical issues, we typically see our parents dealing with these worries. Early detection and treatment can reduce the discomfort and consequences of this illness.

A medical emergency could occur as a result of a treatment delay caused by rising medical costs. To avoid this, one must create a solid financial safety net, including parental health insurance coverage. These schemes differ slightly from traditional health insurance policies. Health Insurance for Parents refers to health insurance schemes designed to meet the needs of aging parents. These health policies are tailored to the needs of persons over the age of 45 or 50. An aging population needs high healthcare facility costs, putting a hardship on the primary provider of the family. Despite the fact that the government has committed more than Rs. 1.58 trillion to the country’s healthcare system to subsidize healthcare, high expenses are typically connected with high-quality care.

The simplest way to deal with such unanticipated charges is to obtain health insurance for parents in India, which provides comprehensive benefits tailored to cover all medical ailments caused by aging. One of the necessities is health insurance, especially if one is responsible for paying for the medical care of elderly parents. Choose Star Health Insurance: Health Insurance for Parents for a secure future of your parents!