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Best Parents Health Insurance Plans with Pre-Existing Diseases in India
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Health Insurance for Parents with Pre-Existing Diseases in India

Health insurance is a necessity in today’s times. Without health insurance plans, households would have had to bear skyrocketing costs of medical treatments and hospitalization for family members. In this context, people should start thinking about getting suitable health insurance for parents. When considering the best health insurance for parents with pre-existing diseases, there are several options available that offer sizable medical insurance for parents with adequate coverage. Often, since they have pre-existing diseases, they require plans with lower waiting periods and tailored coverage to cover these ailments. 

You can always find specialized health insurance plans for parents with pre-existing diseases from leading insurers. An overwhelming majority of seniors above 60 suffer from pre-existing ailments. However, once they touch 60 and above, it becomes increasingly difficult to get health insurance at a proper rate and the presence of any pre-existing ailment makes it even more difficult. Hence, choosing the right health insurance for parents above 60 becomes critical in this regard. 

Knowing More About Pre-Existing Diseases

There are some basics that you should keep in mind before choosing the best health insurance for parents. These illnesses are symptoms, ailments or medical conditions that your parents are already suffering from, over the last few months or years and have required treatment/hospitalization/surgery for. 

Buying the Health Policy for Parents with Pre-Existing Diseases 

Can you get the best health insurance plan for parents with pre-existing ailments? While the basic procedure is the same as buying regular health insurance for parents in India, some additional documents may be needed by the insurance company. Here are some pointers to keep in mind while applying for the best insurance for parents with pre-existing diseases:

  • Fill out the application form and pay the premium amount before sending the same. 
  • The insurance company will examine all the documents, taking age, health declarations, medical history and sum insured amounts into account. 
  • They may ask for some added information for assessing the risks or ask for a total medical/health check-up for working out the latest condition of your parents. 
  • Insurance companies sometimes have partner doctors who can call patients for understanding their health conditions and existing ailments. 
  • Based on any of these processes, the insurance company will then finalize the premium and approve/reject the policy application. 


3 Best Health Insurance Plans for Parents with Pre-Existing Diseases 

Wondering how to choose health insurance for parents with pre-existing ailments? Here are some of the top plans offering insurance for parents in India with pre-existing diseases:

Name of the Company Name of the Policy  Key Components of the Policy 
New India Assurance Senior Citizen Mediclaim Policy
  • The eligibility threshold ranges between the ages of 60 and 80 while it may increase to 90 years of age in case the renewal is done in a timely manner. 
  • Coverage for costs of hospitalization up to a period of 30 days in case of pre-hospitalization expenditure. There is also coverage up to a period of 60 days for post-hospitalization expenditure as well. 
  • Coverage for hospitalization owing to illnesses, injuries and also their medical treatments.
  • Coverage for pre-existing diseases after an 18-month waiting period. 
Oriental Insurance Hope HOPE (Health of Privileged Elders) has the following features: 

  • Coverage for ambulance costs or more than Rs. 1,000 whichever is applicable. 
  • Coverage for all health ailments and issues. This covers dialysis, chemotherapy, oxygen tanks, blood and a lot more. 
  • Coverage for expenditure on room rates and nurses up to 1% of the overall sum insured amount. 
  • Coverage for ICU costs (per day) of 2% of the sum insured amount. 
Bajaj Allianz Silver Health
  • Cashless treatment options throughout all the company’s network hospitals in the country. 
  • Bajaj Allianz Diagnostic Centres offer completely free health check-ups after a period of four years.
  • 5% in discounts for family members under this policy and 5% as the bonus for each year that is free from claims. 
  • The eligibility threshold varies between 46 and 75 years. 


You should note that the 18% GST rate will always be applicable on the insurance services that you are availing and premiums may change, depending on your location, age of your parents and other factors. You should compare all available health insurance plans for parents with pre-existing diseases and choose not just on the basis of the premium amount but also coverage, its scope, the waiting period (the lower the better for your needs) and inclusions/exclusions.

Parents Health Insurance with Pre-Existing Diseases FAQs

What are pre-existing diseases?

Pre-existing diseases or illnesses are those for which your parents are already getting treated for a specific duration or which they are suffering from. These are to be mentioned in the health declaration of your parents when they apply for a health insurance policy.

What are the additional procedures for pre-existing scenarios while applying for a policy?

The insurance company may ask for some additional documents or may ask its partner doctors to call and discuss medical histories/condition related aspects with the applicants. In some cases, a medical examination may also be requested by the insurance company before approving the policy.

Are there any additional charges aside from my premium amount to get coverage for pre-existing diseases?

You should note that 18% GST is always payable on the services offered to you by the insurance company. This is a charge that is payable from your end as well. Some health insurance companies have a set waiting period to cover pre-existing diseases. However, in some cases you can avail the coverage for the same by paying an additional premium.

What are the things you should look out for while buying a health insurance policy with a pre-existing disease?

Check whether the waiting period for covering pre-existing diseases and their treatment is on the lower side. The lower this is, the better for your parents. Also check whether a vast range of medical issues and aspects are included in the policy including ICU, room rent, nursing, pre and post-hospitalization care, ambulance costs, etc.

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