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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

What's great about a Health Insurance by Digit?

  • 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. Choose any hospital room you prefer. 
  • SI Wallet Benefit - If you exhaust your Sum Insured during the policy period, we refill it for you. 
  • Get treated at any hospital - Choose from 10500+ of our network hospitals in India for a cashless treatment or opt for a reimbursement. 
  • Wellness Benefits - Get exclusive wellness benefits on the Digit App in collaboration with top-rated health and wellness partners.

Key benefits of Health Insurance by Digit



Room Rent Capping   


Cashless Hospitals  

16400+ Network Hospitals across India  

Inbuilt Personal Accident Cover 


Wellness Benefits

Available from 10+ Wellness Partners

City Based Discount  

Up to 10% Discount  

Worldwide Coverage 


Good Health Discount  

Up to 5% Discount  

Consumables Cover  

Available as an Add-on

*Available only on Worldwide Treatment Plan

Frequently Asked Questions