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Health Insurance for Parents: Buy Medical Insurance Policy for Parents Online

Buying health insurance for your parents has never been easier or more important. As medical costs rise and health risks increase with age, securing a reliable health insurance plan provides financial protection and ensures access to quality healthcare.

Whether it's diabetes, cataracts, osteoarthritis, joint pain, hearing loss, or dementia, a health insurance policy can provide coverage for these common health issues. Read on for guidance on the key benefits, features, and steps to choose the right policy online, helping you make an informed decision with confidence

Team Digit

What is Health Insurance for Parents?

Health insurance plans for parents are designed to provide comprehensive coverage, covering significant medical costs such as hospitalisation, daycare operations, diagnostic testing, ambulance services, and post-hospitalisation care. In the event of a medical emergency, it offers parents cashless hospitalisation services at any local hospital.

Think of it as a health shield for your parents. As they grow older, they may require more medical care, which can become expensive. It alleviates the stress of high medical costs and ensures your parents receive the care they need, when they need it.

Why Should You Buy Health Insurance for Parents?

Your parents have always been your safety net, and now it’s time to return their goodwill by gifting them a health insurance plan. Here are a few reasons why you should buy health insurance for parents.

Why Choose Digit Health Insurance for Parents?

Simple Online Processes - From the process of buying a health insurance policy to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims!
No Age-based or Zone-Based Co-payment - Our health insurance comes with no age-based or zone-based copayment. This means, during health insurance claims, you need not pay anything from your pocket.
No Room Rent Restriction - We understand that everyone has different preferences. That’s why we have no room rent restrictions in health insurance. Choose any hospital room you prefer.
SI Wallet Benefit - If you exhaust your sum insured in health insurance during the policy period, we will refill it for you.
Get Treated at Any Hospital - Choose from 9000+ of our network hospitals in India for cashless treatment or opt for reimbursement.
Wellness Benefits - Get exclusive wellness benefits on the Digit App in collaboration with top-rated health and wellness partners.

Disclaimer: The numbers for total policies sold, lives insured, claims settled and amount of claims paid is for the Group and Retail Health Insurance policies since inception up to 31st March-2025. The total count of cashless network hospitals is as of 31st March-2025. The claim settlement ratio is for the group and retail health insurance policies for the FY 2024-25.

Key Benefits of Buying Parent's Health Insurance with Digit

Co-payment	No
Room Rent Capping	No
Cashless Hospitals	9000+ Network Hospitals across India
Inbuilt Personal Accident Cover	Yes
Wellness Benefits	Available from 12+ Wellness Partners
City Based Discount	Up to 10% Discount
Worldwide Coverage	Yes, Available only on Worldwide Treatment Plan
Good Health Discount	Up to 5% Discount
Consumables Cover	Available as an Add-on

What’s Covered in Health Insurance for Parents by Digit?

Coverages

Double Wallet Plan

Infinity Wallet Plan

Worldwide Treatment Plan

Important Features

All Hospitalisation - due to Accident, Illness, Critical Illness or COVID

This covers for all hospitalisation expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalisations, as long as the total expenses are up to your sum insured.

✔

Initial Waiting Period

You need to wait for a defined period from the first day of your policy to get covered for treatment related to any non-accidental illness. This is the Initial Waiting period.

✔

Wellness Program

Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.

✔

Sum Insured Back Up

We provide a back-up Sum Insured which is 100% of your Sum Insured amount. How does Sum Insured Back Up work? Suppose your policy Sum Insured is Rs. 5 lac. You make a claim of Rs.50,000. Digit automatically triggers the wallet benefit. So you now have 4.5lac + 5 lac Sum Insured available for the year. However, one single claim, cannot be more than the base Sum Insured as in the above case, 5 lac. .

Once in a policy period; Related and unrelated illness; No Exhaustion Clause; Same person also covered.

Unlimited Reinstatement in a policy period; Related and unrelated illness; No Exhaustion Clause; Same person also covered.

Once in a policy period; Related and unrelated illness; No Exhaustion Clause; Same person also covered.

Cumulative Bonus

Digit Special

No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!

10% of Base Sum Insured for every claim free year, up to max 100%.

50% of Base Sum Insured for every claim free year, up to max 100%.

No Room Rent Capping

Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. Digit plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured..

✔

Day Care Procedures

Health insurance covers medical expenses only for hospitalisations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement such as cataract, dialysis etc.

✔

Worldwide Coverage

Digit Special

Get a world class treatment with the Worldwide Coverage! If your doctor identifies an illness during your health examination in India and you wish to get a treatment abroad, then we’re there for you.You’re covered!

✔

Health Check-up

We pay for your health check-up expenses upto the amount mentioned in your Plan. No restrictions on the kind of tests! Be it ECG or Thyroid Profile. Make sure you go through your policy schedule to check the claim limit.

0.25% of Base Sum Insured, Max up to ₹ 1,000 after every two years.

0.25% of Base Sum Insured, Max up to ₹ 1,500 after every year.

0.25% of SI up to ₹ 2,000 after every year.

Emergency Air Ambulance Expenses

There may be emergency life-threatening health conditions which may require immediate transportation to hospital. We absolutely understand this and reimburse for expenses incurred for your transportation to a hospital in airplane or helicopter.

✔

Age/Zone Based Co-payment

Digit Special

Co-Payment means a cost sharing requirement under a Health Insurance Policy that provides that the Policyholder/Insured will bear a specified percentage of the admissible claims amount. It does not reduce the Sum Insured. This percentage depends on various factors like age, or sometimes also on your treatment city called zone based copayment. In our plans, there is no age based or zone based Co payment involved.

No Co-payment

Road Ambulance Expenses

Get reimbursed for the expenses of road ambulance, in case you are hospitalised.

1% of Base Sum Insured, Max up to ₹ 10,000.

1% of Base Sum Insured, Max up to ₹ 15,000.

1% of Base Sum Insured, Max up to ₹ 10,000.

Pre/Post Hospitalisation

This cover is for all expenses before and after hospitalisation such as for diagnosis, tests and recovery.

30/60 Days

60/180 Days

Other Features

Pre-Existing Disease (PED) Waiting Period

The disease or condition that you are already suffering with and have disclosed to us before taking the policy and has been accepted by us has a waiting period as per plan opted and mentioned in your Policy Schedule.

3 Years

Specific Illness Waiting Period

This is the amount of time you need to wait for, until you can make a claim for a specific illness. At Digit it is 1-3 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.

1-3 Years

Inbuilt Personal Accident Cover

If You sustain an Accidental Bodily Injury during the Policy Period, which is the sole and direct cause of Your Death within twelve (12) months from the date of accident, then We will pay 100% of the Sum Insured as mentioned in Policy Schedule against this cover and as per plan opted.

₹ 50,000

₹ 1,00,000

Organ Donor Expenses

Digit Special

Your organ donor gets covered in your policy. We also take care the pre and post hospitalisation expenses of the donor. Organ donating is one of the kindest deeds ever and we thought to ourselves, why not be a part of it!

✔

Domiciliary Hospitalisation

Hospitals can go out of beds, or the patient’s condition may be rough to get admitted in a hospital. Don’t panic! We cover you for the medical expenses even if you get treatment at home.

✔

Bariatric Surgery

Obesity may be the root cause of so many health issues. We absolutely understand this, and cover for Bariatric Surgery when it is medically necessary and advised by your doctor. However, we DONOT cover if hospitalisation for this treatment is for cosmetic reasons.

✔

Psychiatric Illness

If due to a trauma, a member has to be hospitalised for a psychiatric treatment, it will be covered under this benefit, upto INR 1,00,000. However, OPD consultations are not covered under this. The waiting period for Psychiatric Illness Cover is same as Specific Illness waiting period.

✔

Consumables Cover

Before, during & after hospitalisation, there are many other medical aids & expenditures such as walking aids, crepe bandages, belts, etc.,which need your pocket’s attention.This cover takes care of these expenses that are otherwise excluded from the policy.

Available as an Add-On

Add-on Options with Health Insurance for Parents by Digit

Add flexibility to your health insurance with add-ons. Digit offers the below exclusive add-ons to provide you with additional layers of protection beyond the basic coverage of your policy:

Consumable Cover

Pay just 10% extra premium and we will cover your non-medical expenses too on approval of your base claim.

Pre-existing Disease/Specific Disease/Initial Waiting Period Modification

You can reduce your pre-existing disease waiting period to up to 2 years.

Network Hospital Discount

This add-on cover will offer you a 10% discount on your premium, if you choose to be treated at our network hospital. However, co-payment will be applicable if you get hospitalised in non-network hospital.

What’s Not Covered in Health Insurance for Parents by Digit?

Things to Consider While Buying Health Insurance for Parents in India

Having your parents' health insurance is a thoughtful way to protect their health and your finances. However, with numerous plans available, selecting the best health insurance for parents can be a daunting task.

Here are a few key factors to consider when purchasing the best health insurance for parents in India:

1. Coverage

Look for a plan that provides the maximum coverage for your parents. It can include:

Accidental & Illness Hospitalisation Expenses - Look for insurance providers who offer coverage for accidents or illnesses, which cover unforeseen circumstances and protect you in case of medical expenses resulting from an accident or an illness.
Pre and Post-Hospitalisation Expenses - Along with the expenses incurred in due course of your treatment, look for a policy that covers pre and post-hospitalisation expenses.
Annual Health Check-Up Expenses - Annual health check-ups for the elderly are a prerequisite to ensure ideal health conditions, as they reduce the chances of being diagnosed with a fatal disorder.
Major Surgeries - Any major surgeries are associated with high-value expenses. Make sure such charges are covered through your health insurance policy for parents, ensuring no compromise is made when it comes to such treatment.
Psychiatric Illness Treatment - Psychiatric treatment is slowly overcoming social stigmas and gaining popularity in the country, so go for a policy which covers expenses if you are hospitalised for Psychiatric treatment.
No Room Rent Capping - Room rent can be a cause for concern when it comes to seeking treatment from the premium hospitals across the country. With no capping on room rents, you can easily afford a private room for your parents if they have to be hospitalised for a prolonged term.

2. Critical Illness Benefits

Severe heart problems, cancer, end-stage lung and liver failure, kidney-related problems, etc. qualify as critical illness cover. Treatment for such medical conditions starts from Rs. 1 Lakh on average and can go up to Rs. 10 Lakh or more.

Opting for critical illness coverage proves beneficial in such cases, as comprehensive coverage is extended with high sum insured guarantee. All hospitalisation expenses and post-release expenses are covered in such scenarios, along with surgical charges.

3. Affordability

Make sure that the premiums you pay towards the health insurance policy for your parents that you choose are affordable and do not pose a burden on your finances.

Compare the coverage, sum insured, and premiums offered by different health insurance providers to make an informed decision.

4. Cashless Treatment

Cashless treatment is one of the most important benefits provided under a health insurance policy.

With this benefit, insurance providers pay for your treatment charges directly to the network hospital where your parents are admitted. Therefore, look for a policy with a comprehensive network of hospitals.

5. Zero Co-payment Option

There are insurance policies which require you to pay a percentage of the treatment costs incurred, while the insurance provider covers the rest. Since the treatment expenses incurred towards your parents can be quite high, it is best to look for a policy without the co-payment clause.

6. Claim Settlement Ratio

Claim settlement ratio refers to the number of claims settled by your insurance provider against the total number of claims raised.

High claim settlement is one of the primary factors to keep an eye on to make sure that your claim is not rejected in case of an emergency.

7. Comprehensive Pre-Existing Illness Coverage

With most pre-existing illness coverage benefits offered by health insurance policies, you have to serve a waiting period before you can raise a claim. It is, therefore, pertinent to look for policies that have a minimal waiting period for coverage of pre-existing illnesses.

You should also review the number of illnesses covered to ensure that your policy offers you maximum benefits.

8. Add-on Benefits

Apart from the features mentioned above, you should also look for add-on covers that can make your policy better-rounded. Some of them include:

Zone Upgrade Add-on
Daily hospital Cash add-on cover
Alternative treatment care cover (AYUSH) includes expenses incurred for Ayurveda, Yoga, Unani, Naturopathy treatment, etc.

9. Easy Claim Process

Typically, insurance providers offer two options for settling claims. These are:

Settlement for cashless claims
Reimbursement for claims raised

Regardless of your option, you must ensure that the process for settling claims is uncomplicated. With most insurance providers shifting their claim process online, it has become much easier than before to raise claims.

10. Review the Company’s Reputation

Finally, don’t forget to check the customer reviews and testimonials for your insurance provider on social media sites, through Google reviews, etc. to make sure that you avail the best services for your healthcare plan.

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Eligibility Criteria for Buying Health Insurance for Parents

Eligibility Criteria	Description
Age	Although certain policies may have higher age limits, the majority of insurers provide health insurance for parents below 60 years of age. For those above 60, a senior citizen policy is recommended.
Relationship	To obtain health insurance for your parents, you must be their child or have a legal relationship with them.
Medical Check-up	Some insurers may require a medical examination for parents to assess their health and determine the cost.
Financial Independence	A valid proof of income or other document can be required to prove your financial independence.
Residency	Both you and your parents must reside in India to opt for medical insurance.

How to Buy a Health Insurance Plan for Parents Online?

To apply for a parent’s health insurance policy that meets your requirements, the first step is to select your insurance provider. For instance, if you choose Digit as your insurance provider, you can follow the steps below to apply for a health insurance policy:

Visit Digit’s Website or App

Visit Digit Health Insurance and go to the health insurance section and enter your phone number & PIN.

Enter Basic Details

Share information like age, family members to be covered, and any medical history or pre-existing disease.

Choose Your Plan

Select your coverage amount and add any rider if needed. Proceed and fill in additional details.

Make Payment

Complete the KYC & payment. Done! Your policy will be sent via email or WhatsApp or accessible on the Digit app.

Documents Required to Buy Health Insurance for Parents Online

When purchasing a health insurance policy for your parents, insurers typically require some basic documents for verification. Below is a list of optional documents that may be needed at the time of purchasing a policy:

Identity/Age Proof

Address Proof

Income Proof

Previous Medical Reports (If any)

KYC Documents

What’s Best for Your Parents’ Health: Dependent Coverage vs Individual Health Insurance Policy?

When it comes to securing your parents' health, deciding between adding them as dependents under your family floater plan or opting for a separate individual health insurance plan can be challenging.

However, each option has its own benefits. Understanding the differences between the two can help you make an informed decision for your parents.

Factors	Adding Parents as Dependents in Family Floater Plan	Buying a Separate Individual Health Insurance Plan
Sum Insured	All family members must share the whole insured amount. Therefore, in an emergency, the sum insured will be insufficient for your parents.	Your parents can use the whole insured amount for either an emergency or planned hospital stay for any treatment.
Coverage	Your parents' medical needs might not be fully met by the coverage.	The policy will cover your parents' entire range of medical requirements.
Premiums	The premiums are affordable but can become expensive if you include a larger coverage option.	The premiums are determined by the coverage you choose and your parents' medical history.

Tax Benefit on Health Insurance for Parents Under Section 80D of Income Tax

Premiums paid to purchase mediclaim coverage for your parents may be tax-deductible up to ₹25,000 within a policy year, as per Section 80D of the Income Tax Act. The tax savings amount rises to ₹50,000 every policy year if your parents are 60 years of age or older.

For example, Mr. Ramesh (26 years old) pays a premium of ₹30,000 annually under health insurance for himself. In addition, he also pays a premium of ₹35,000 annually for his parents (aged below 60 years). In such a case, what will be his tax deductible?

Category	Premium Paid Annually	Maximum Allowable Deductibles under 80D	Applicable Deductibles
Mr. Mehta (below 60 age)	₹30,000	₹25,000	₹25,000
Mr. Mehta's Parents (below 60 years of age)	₹35,000	₹25,000	₹25,000
Total	₹65,000	₹50,000	₹50,000

Hence, Mr. Ramesh can claim a total tax deduction under section 80D in a year of only ₹50,000 after paying a premium for himself and his parents.

With rising medical costs and retail inflation in the country, opting for a health insurance plan for your parents is crucial. You can secure their health effectively through comprehensive treatment courses and additional benefits at a stipulated premium charge.

FAQs about Health Insurance for Parents

All

Can I include my senior citizen parents in a family floater insurance plan?

No, senior citizens have separate plans; they can't be included in a family floater plan. This is because senior citizens need better coverage for their health.

Why is it better to opt for a healthcare cover early on for my parents?

Many insurance providers have mandatory co-payment clauses when it comes to insurance policies for individuals of higher age groups. That is why it is best to opt for healthcare policies as early as possible for your parents.

How can I enhance my parents’ coverage under a health insurance policy?

You can look for top-up covers that allow you to enhance your parents’ coverage, instead of opting for independent covers.

Is purchasing health insurance for parents worthwhile?

Yes! It's wise to purchase health insurance for your parents because it will pay for all of their medical bills without depleting their finances. It also offers your parents full medical coverage, including critical sickness coverage, inpatient hospitalisation, contemporary treatments, day care operations, etc.

My parents have pre-existing disease. Can I purchase health insurance?

Yes, even if your parents have a pre-existing medical condition, you can still purchase health insurance for them. When purchasing insurance, be sure to disclose any pre-existing conditions you may have to the insurer. Additionally, you must decide whether to purchase a medical insurance plan with day 1 coverage or a reduced waiting time for pre-existing diseases.

Is there an age limit at which parents can purchase health insurance?

Yes, there is an age requirement for all parent health insurance policies, which may vary from one plan to another. Generally, health insurance plans for parents can be purchased up to 60 years old. Above the age of 60, your parents can opt for senior citizen health insurance.

Do parents need to undergo a medical exam in order to purchase health insurance?

Yes, before opting for health insurance, your parents must undergo a pre-medical screening and diagnosis as required by your insurance company.

Can I include my parents in my current health insurance policy?

Yes, you can include your parents in your current health insurance policy if it is a family floater policy. However, since your parents are more likely to experience age-related health issues, adding them to your coverage could result in a significant increase in your rates. Therefore, to keep your rates reasonable, you are advised to purchase individual coverage for your parents.

What distinguishes senior citizen health insurance from that of parents' health insurance?

Both parents' health insurance and senior citizen health insurance are different. Senior citizens coverage covers parents over 60+, while a parent's health policy covers parents under 60. Therefore, one kind of health insurance plan for parents is health insurance for older citizens.

Can I get coverage for my parents' pre-existing conditions immediately?

Generally, the pre-existing disease lasts for 1 to 3 years, which varies from policy to policy. But, this waiting period can be modified depending on your requirements but it will require a higher premium.

Do parents who have health insurance receive tax benefits?

Yes, you and your parents can gain from health insurance in terms of taxes. You can deduct the premiums you paid for your parents' health insurance coverage under Section 80D of the Income Tax Act up to Rs. 25,000.

Why is it preferable for my parents to have an early healthcare plan?

It is well known that as an insured person's age increases, so do their health insurance premiums. Therefore, choosing a healthcare plan for your parents early on is preferable. It will control the premiums.

How Can I Purchase My Parents' Health Insurance Online?

Purchasing parents' health insurance online is a straightforward process. You can visit Digit Insurance's official app or website directly and select the parents' insurance policy with add-ons and coverage. By paying online, you can easily buy Digit’s health insurance for parents.

Can I include both my parents in the same policy even if they have different health conditions?

Yes, you can include both parents in a family floater plan, but it’s not always recommended if their health conditions vary significantly. If one parent has a serious illness, it may lead to faster exhaustion of the sum insured, leaving the other with limited coverage. In such cases, individual policies might offer better protection.

What happens if my parents are hospitalised in a non-network hospital?

If your parents are admitted to a non-network hospital, they won’t be eligible for cashless treatment. Instead, you’ll need to pay the bills upfront and then file for reimbursement with all necessary documents. This process may take longer and requires careful paperwork.

Are alternative treatments like Ayurveda or Homoeopathy covered under parent health insurance?

Yes, many modern health insurance plans in India now cover AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homoeopathy), especially under IRDAI guidelines. At Digit, AYUSH coverage is already included in all of the plans for parents.

How can I verify if a hospital near my parents offers cashless treatment under their policy?

You can check Digit’s list of network hospitals to know which hospital near you can offer cashless treatment for your parents.

Will the premium increase every year as my parents grow older?

Yes, health insurance premiums for senior citizens typically increase with age. Insurers often revise premiums at renewal time, especially when your parents move into a higher age bracket.

Can I continue the health policy if my parents move to a different city or state?

Yes, health insurance policies are portable across India. If your parents move, just inform the insurer about the change of address. However, make sure the new location has network hospitals under the same insurer to continue enjoying cashless benefits.