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Can NRIs buy Health Insurance for their Parents Residing in India?

Benefits of Buying a Health Policy for Parents in India

Factors to Consider While Buying Health Insurance for Parents in India

Age Limit

Check for the age limit in the policy. Entry age is mostly 60 years since it's a policy for senior citizens.  While most insurers provide coverage till the age of 80, there are some that cover only till 65. Some of them also provide assured lifetime renewability.

Sum Insured

Take a sense of your parents’ requirements and accordingly decide the Sum Insured that you would like to take up in your health policy.

Inclusions and Exclusions

The most important point. Check the inclusions and exclusions carefully covered in the policy. If it’s a critical illness policy, check the list of critical illnesses covered, check for other covers like AYUSH, Covid cover, day care procedures, home treatment etc.

Cashless treatment

Check for the network hospital coverage on your policy so that when required and if you are not around in the country, parents can have easy access to healthcare facilities without any requirement of cash. 

Waiting Period for Pre-Existing Diseases

Most policies have a waiting period for pre-existing illness that ranges from 24 months to 48 months. Only after this waiting period is over, you can make a claim for the pre-existing illness. Hence, select a policy that comes with the minimum waiting period. 

Seamless and quick claim settlement process

seamless and quick settlement process so that parents don’t have to run from pillar to post when their children are not around

Why Choose the Go Digit health Insurance Policy?

  • Making it Simple: Simplifying insurance for you. Buy health insurance online with completely hassle free, convenient, swift and paperless processes. Simplification is the key when buying a policy for parents. 
  • Quick Claim Settlement: With our 24x7 Support and quick, technology enabled claim processes, all your claims are settled in no time.
  • No restrictions on room rent:  We value individual choices and hence give zero restrictions on room rent. You can opt for any room of your choice.
  • Additional Benefits: Includes additional benefits like daycare procedures, complimentary annual health check-ups, home treatment etc. These benefits are especially useful in case of senior citizens. 
  • Alternative Medicine: Includes alternative medicine like AYUSH which a lot of senior citizens prefer. 
  • 0% co-payment: Our health insurance plans come with 0% age based copayment. This means you can be assured about not paying anything from your pocket while placing claims. Additional convenience for parents at home. 
  • Cumulative bonus: Digit offers a yearly cumulative bonus for every claim free year.
  • 2 times sum insured: In case of those unfavourable times, if the policyholder has exhausted the sum insured, we refill the sum insured for the same year. 
  • 10500+ network hospitals: A large network of cashless hospitals to provide you an easy access to healthcare.

Frequently Asked Questions