You need health cover regardless of what you take two at a time - pills or stairs.

Health Insurance for Parents with Pre-Existing Diseases

One can buy health insurance for his/her parents with pre-existing illnesses. Some of these plans include Bajaj Allianz Silver Health, Oriental Insurance Hope, New India Assurance Senior Citizen Mediclaim Policy, etc.

It is a known fact that for a majority of Indians over the age of 50 have some or the other form of illness. However, the worst part if as soon as people cross the wrong side of 50’s and head over to the 60’s, it gets extremely hard for them to get health insurance. The situation gets even harder if they already have a pre-existing illness. So, how exactly can individuals get health insurance policies for their parents who have already been ill?

Well, that’s what we are going to deal with in this page. Here, you will learn about how to got insurance policy shopping for your parents but before that let’s ascertain what insurance companies consider to be a pre-existing illness.

What is a Pre-Existing Illness?

A pre-existing illness is basically a condition, symptom, or ailment that you know your parents are suffering from or any past surgeries/hospitalisations.

How Can One Buy a Health Insurance for their Parents Who have a Pre-Existing Illness?

Buying a health insurance policy for a person with pre-existing illness is precisely the same as buying a regular one. However, it can be a little drawn out as insurers usually ask for extra documentation. Here’s how one can get a policy:

  • You would need to fill out the proposal form, make the required premium payment, and send in your application.
  • The second step involves the insurer evaluating your document. To do this, they will usually consider aspects like age, prior health declarations, and the sum insured that has been selected. Based on their findings, they are required by IRDA to do any of the following:
    • Ask for extra information: If the insurer feel that they want more information on the prospective person insured to better judge the risk, they would ask you to provide more documentation.
    • Complete checkup: Depending on what they feel about the new information provided to them, the insurance company would ask to get a full medical checkup done on the person with a pre-existing illness to determine their latest condition.
    • Underwriting through the telephone: Insurance companies have doctors at their disposal there are times where you could get a call from the them. This call would be made to better understand the health declaration that has been submitted to the insurer before processing the application.
  • Depending on the documents, the insurer will take any one of the three decisions: accept the person as is, get them to pay a larger premium for the plan they have chosen, or reject the application completely.

Best Health Insurance Policies Available for Parents with Pre-Existing Illness:

Currently, India has about 28 IRDA approved insurance companies that provide a gamut of health related insurance policies for consumers. Here are some of the best and the most popular policies for parents with pre-existing illnesses.

Insurer Name Plan Name Features Link to Plan Details
Oriental Insurance Hope HOPE or Health of Privileged Elders, comes with plenty of benefits like:
  • The actual ambulance expenses incurred or a cover of over Rs. 1000.
  • Any and all health related problems can be taken care of through this policy. This includes chemotherapy, dialysis, blood, oxygen tanks, and many more.
  • It covers expenses pertaining to nursing and room rates up to about 1% of the total sum insured.
  • ICU will be covered at 2% of sum insured per day.
Info about Hope Plan
Bajaj Allianz Silver Health
  • Cashless facility across all the network hospitals.
  • Usage of Bajaj Allianz Diagnostic Centres free of cost for health checkup after 4 years.
  • 5% discount for family members, and 5% bonus for every claim-free year.
  • Eligibility age ranges from 46-75 years.
Info about Silver Health Plan
New India Assurance Senior Citizen Mediclaim Policy
  • Eligibility from 60 to 80 years and can stretch up to 90 years if renewed on time.
  • Hospitalisation charges are covered up to 30 days for pre hospitalisation and 60 days post hospitalisation.
  • Hospitalisation for injuries and illness and their treatments will also be covered.
  • Pre-existing illness will be covered after a waiting period of 18 months.
Info about Senior Citizen Mediclaim Policy Plan

There you have it. These are all the things you will need to know about health insurance policies for parents with pre-existing illnesses.

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

health insurance for parents with pre-existing diseases Reviews

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  • Cigna TTK Health Insurance
    "On time service"
    0.5 5.0/5 "Blown Away!"
    On time Cigna TTK have activated the policy which provided by the company, the policy which I hold it has the coverage of Rs. 4 lakhs its covers for me. They are providing coverage for the pre existing with the tax benefits but there is no claim.
    Was this review helpful? 1
    , dandeli
    Reviewed on Jan 10, 2019
  • Cigna TTK Health Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    In Cigna TTK, they are providing pre existing disease cover, but they don't have no claim bonus features. The response is good they have good customer care working 24/7 , the medical coverage is good for me and entire family. They have many hospital which they got tie up in Mumbai.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 10, 2019
  • Star Health Health Insurance
    "Its Good"
    0.5 3.5/5 "Pretty good"
    I have taken the policy personally from my end for my parents. Star Health is providing pre existing disease cover, and major disease cover like heart disease and they do have no claim bonus. Senior citizen plan is good for the elders it has the medical coverage value around Rs.3 lakhs.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 09, 2019
  • Apollo Munich Health Insurance
    "Worst Policy"
    0.5 2.0/5 "Expected more"
    The pre-existing disease is not covered in this policy. They are asking the previous 5 years prescription. I have purchased a health insurance policy with Apollo Munich. OPD charges not included in this policy. I never claimed the policy. When my wife admitted in the hospital they have asked me 5 years prescription and i have been renewing the policy for last 5 years.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 07, 2019
  • Religare Health Insurance
    "Its Good"
    0.5 3.5/5 "Pretty good"
    My company gave me Religare policy it got tie up with major hospitals I added my parents hence the medical cover its includes for my family. I got the medical cards, they are providing cash less treatment and but the pre existing disease not available.
    Was this review helpful? 0
    , pune
    Reviewed on Dec 22, 2018
  • National Insurance Health Insurance
    "Good for emergency purpose"
    0.5 4.0/5 "Great!"
    My plan is health family plan for the total coverage value of Rs. 4 lakhs for two person, they are providing pre existing disease cover and cash less hospitalization.In Hyderbad they got tie up with many hospitals, they gave me the medical card.
    Was this review helpful? 1
    , hyderabad
    Reviewed on Dec 21, 2018
  • Cigna TTK Health Insurance
    " Good insurer for medical policy"
    0.5 5.0/5 "Blown Away!"
    The features of TTK cigna is good, the policy generation duration is also less. They gave me Rs. 4.5 lakhs of medical cover and they got tie up with major hospital in my place and they gave me the medical card and the broucher. They have pre existing and cash less hospitals features too.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 20, 2018
  • Bajaj Allianz Health Insurance
    "Good Doctor for Health"
    0.5 5.0/5 "Blown Away!"
    My medical policy belongs to Bajaj Allianz, I am working same company hence they gave me best benefits. They do have pre existing disease they got tie up major hospitals, they have helpline of 24/7, the medical value around Rs. 5 lakhs for my entire family.
    Was this review helpful? 0
    , pune
    Reviewed on Dec 14, 2018
  • Apollo Munich Health Insurance
    "Good for health "
    0.5 5.0/5 "Blown Away!"
    I have medical policy for the coverage around Rs. 5 lakhs, they do have pre existing disease cover. The process generation is quick, they send the insurance card with the list of hospitals details. I am very fine with Apollo Munich health benefits.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 14, 2018
  • Star Health Health Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    I have personal health policy with Star Health, the process was smooth, the premium is economical. They have generated the policy without any hassles, I took family policy for Rs. 5 lakhs. They have cash less facility but they don't have pre existing disease cover. They got tie up with many hospitals.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Dec 13, 2018
  • National Insurance Health Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    I have the mediclaim policy with National Insurance for the cover of Rs. 3 lakhs they have major and minor hospitals tie up, they gave me list of hospitals, policy duration is good. There is no pre existing or critical illness cover. They have cover for major diseases, the premium is low with best benefits.
    Was this review helpful? 1
    , bangalore
    Reviewed on Dec 11, 2018
  • ICICI Lombard Health Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    The policy generation duration is less, they gave me the mediclaim value of Rs. 5 lakhs its individual policy for one year. I am not sure about policy name, they have cash less services, they got tie up many hospital there is no pre existing disease cover.
    Was this review helpful? 0
    , keonjhar
    Reviewed on Dec 10, 2018
  • review Health Insurance
    "Good medical policy"
    0.5 4.5/5 "Excellent!"
    I have taken family policy, it covers for my whole family it provides medical cover of Rs. 25 lakhs, I paid around Rs. 60,000 + gst it has pre existing cover, now the premium is high because my father is 62 years old. Earlier it was 40,000 last year it got increased based on the age, they got tie up with many hospital across all over India.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 09, 2018
  • review Health Insurance
    "Its Good"
    0.5 4.0/5 "Great!"
    My company have provided me a health insurance with Iffco Tokio. It has cash less treatment, in my place they got lot especially in major hospital like Apollo. I don't claim, They gave me medical cover for me. It has pre existing and critical illness.
    Was this review helpful? 1
    , ahmedabad
    Reviewed on Dec 07, 2018
  • review Health Insurance
    "Worth it"
    0.5 5.0/5 "Blown Away!"
    I took health policy from Aditya Birla for the medical coverage of Rs. 1.32 crore for two person. For me and my wife, they have cash less service with cancer coverage. The policy has critical illness and pre existing cover. When I see the list they have tie up with many hospitals.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 01, 2018
  • Star Health Health Insurance
    "Good for medical issue"
    0.5 5.0/5 "Blown Away!"
    From Star health I got took health policy, they gave me the medical cover of Rs.5 lakhs its cover entire family totally 3 person, they are providing critical illness I am not sure pre existing disease cover. The premium is very good around Rs. 19000.
    Was this review helpful? 0
    , bangalore
    Reviewed on Nov 30, 2018
  • HDFC Ergo Health Insurance
    "Recommendble Top up policy"
    0.5 5.0/5 "Blown Away!"
    I have done health policy top up with HDFC Ergo, the customer service is also very good. There is no processing fee for the top up, they gave me the medical amount Rs. 12 lakhs for entire family its for 3 person, I don't have claim experience. They are covering major or minor but for waiting period for pre existing is three years.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Nov 13, 2018
  • Tata AIG Health Insurance
    "Good for Health"
    0.5 4.0/5 "Great!"
    MY friend have referred Health insurance with TATA AIG, because of the good coverage they give complete family protection. I got the mediclaim amount of Rs. 3 lakhs, they have pre existing cove , I can use after a year. I am satisfied with the policy benefits.
    Was this review helpful? 0
    , bhubaneshwar
    Reviewed on Nov 02, 2018
  • National Insurance Health Insurance
    "Good for Health"
    0.5 4.5/5 "Excellent!"
    I got National insurance health policy, I have the total cover for Rs. 5 lakhs its for entire family. They provide cash less hospital and pre existing disease cover, I am satisfied with the benefits of the policy. But I have not use this policy.
    Was this review helpful? 0
    , pune
    Reviewed on Nov 02, 2018
  • review Health Insurance
    "Need to experience the policy"
    0.5 5.0/5 "Blown Away!"
    I have been using this policy for 2 years and i have never used the claim about the policy. The policy coverage for 7 to 8 lakhs. I think Rs. 10 K i have to pay premium amount. I have taken this policy for myself. Their is no pre-existing disease coverage not applicable. They have a very good high end hospital lists are covered. Its a cashless treatment is covered in their listed hospitals.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jun 26, 2018
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