Start Your health Cover
With Niva Bupa Today!
rated by mint for the year 2024
Max Bupa is now Niva Bupa Health Insurance
Claim Promise with Zero Deductions*
By clicking Start Now, you authorize Niva Bupa to Call/SMS/Whatsapp on your registered mobile overriding DNCR.Health Insurance for Parents
Health insurance for your parents ensures they receive the care they need, while protecting you from the financial strain of unforeseen medical expenses. As your parents age, their healthcare needs may increase, making it essential to secure the right coverage. This way, you can provide them with the necessary care without worrying about the impact on your savings or finances.
Network of 10,000+ cashless Hospitalisation
30 Mins Cashless Claim Policy
1.5 Crore+ Happy customers
Why Choose Niva Bupa?
Trusted by over 1.5 crore+ happy customers, Niva Bupa (formerly known as Max Bupa Health Insurance) provides a wide range of health insurance plans to suit every need
30 min
Cashless Claim Processing 1
15 Lakh+
Claims paid since inception 2
1.5 Crore+
Happy customers served till date
Custom Health Insurance Plans designed for You
A plan that rewards you for starting young
Starts from
₹8,6321
Annual Premium
₹5,00,000
Sum Insured
- Lock the age, pay premiums as per entry age till you claim
- Don’t lose what you don’t use. Carry forward the balance sum insured
- Maternity coverage including IVF, Adoption and more
- Use and get back your base coverage. Unlimited times and forever
Nothing Seems Impossible. The Most Comprehensive health insurance plan.
Starts from
₹7,8212
Annual Premium
₹5,00,000
Sum Insured
- Save as you age. Pay as per entry age, until you claim.
- Use and get back your base coverage. Unlimited times and forever.
- Don’t lose what you don’t use. Carry forward the balance sum insured
- Up to 30% discount on renewal premium basis step count
A Health Insurance Plan that works your way
Starts from
₹4,8043
Annual Premium
₹5,00,000
Sum Insured
- Pay Apne Hisaab se! Flexible or One Time. Sooner the payment, higher the discount
- Get 50% of your premium back, accumulate it, and even get 10% bonus for life. No waiting periods or exclusions on this amount.
- Get ₹5,000, if treatment taken in any Govt. hospital and claim not paid under this policy
- Access unlimited digital consultations with general physicians through our mobile app.
A comprehensive health insurance plan,with coverage for you and your family according to your needs and lifestyle.
Starts from
₹11,5714
Annual Premium
₹5,00,000
Sum Insured
- Comprehensive coverage up to ₹3 Cr
- In-built travel insurance coverage for multiple trips in a year
- Modern Treatments coverage
- Maternity (worldwide) and new born baby cover
The Smart Health Insurance Plan with Smart Feature to keep your family protected
Starts from
₹11,7755
Annual Premium
₹5,00,000
Sum Insured
- No Room Rent Capping
- Modern Treatments Covered up to Sum Insured
- Hospitalisations of 2 hours or more covered
- One time refill of Base Sum Insured, even for same illness.
Quick Links
Network Hospital
Find hospitals near you that are covered under our insurance network for hassle-free cashless treatment
Family Health Insurance
Get comprehensive coverage for your entire family under a single health insurance plan.
Claim Settlement Ratio
Check our track record for successfully settled claims, ensuring peace of mind when you need it most.
Premium Calculator
Calculate your insurance premium easily to choose a plan that fits your budget.
Best Insurance Plans
Explore our top-rated insurance plans that offer extensive benefits for various healthcare needs.
How does Our Claim Process work?
Get to know the steps involved in the claim Process, Whether it is a planned or emergency hospitalisation. Filling a claim is made easy by choosing any of the following ways:
Hospital Admission:
Get admitted to a Niva Bupa network hospital.
Identification:
Present your Niva Bupa Health Card or policy number along with valid ID (Passport/PAN card/Voter’s ID) to the hospital staff.
Pre-authorisation:
The hospital will verify your details and submit a pre-authorisation request to Niva Bupa.
Niva Bupa Confirmation:
After verification, Niva Bupa will confirm coverage to the hospital via fax and email, and notify you by text and email, typically within 30 minutes of the request.
Final Settlement:
Upon completion of treatment and necessary formalities, the hospital will settle the claim with Niva Bupa according to your policy terms.
All you need to know about Health Insurance for Parents In India
Securing insurance for your parents can provide financial protection and peace of mind during unforeseen circumstances. As they age, they may encounter health issues or face unexpected medical expenses, which can strain their savings and your finances. With the right insurance coverage, you can ensure that they receive the necessary medical care without worrying about the financial burden.
Additionally, insurance can help cover expenses such as long-term care, hospitalisation, and medication, ensuring that they receive proper treatment without compromising their quality of life. By investing in insurance for your parents, you're not just safeguarding their well-being but also ensuring stability for your family's future
What is the Best Health Insurance for Parents?
Health insurance for parents in India is an insurance policy specifically designed to provide coverage for the medical expenses of ageing parents or elderly individuals. This insurance typically covers a range of healthcare services, including hospitalisation, doctor visits, prescription medications, diagnostic tests, and sometimes even long-term care. The purpose of health insurance for parents above 60 is to alleviate the financial burden associated with medical treatments and ensure that elderly individuals receive timely and adequate healthcare when needed.
These insurance policies may come in various forms, such as individual plans specifically tailored for seniors or family plans that extend coverage to include parents as dependents. Depending on the specific policy, coverage options, premiums, and benefits may vary, so it's essential to carefully review and select a plan that best meets the needs of the parents and the family as a whole.
Need for Health Insurance Coverage for Parents
Health insurance for parents plays a vital role in today's world for several reasons:
Ensures medical coverage post-retirement: As individuals age and transition into retirement, relying solely on a limited income source like pension or savings becomes the norm. In such scenarios, having a health insurance policy for the family offers protection against illnesses and infections that commonly affect seniors.
Streamlines financial planning with health insurance policies: While ageing brings its share of health challenges, proactive planning can mitigate the stress associated with medical expenses. Health insurance provides a structured approach to managing healthcare costs, allowing individuals to navigate medical crises efficiently without depleting their savings.
Guards against family financial crises: A sudden medical emergency can impose significant financial strain on a family. Without access to a senior citizen health insurance plan, the burden falls on the primary provider to manage medical bills, household finances, and potential loans. Investing in senior health insurance alleviates this burden, easing the financial pressure and ensuring proper management of expenses during crises.
Factors to Consider While Buying a Health Insurance for Parents in India
Consider the below-mentioned factors when purchasing health insurance for parents above 60.
Assess Parents' Health Needs: Before selecting health insurance for your parents, evaluate their current and anticipated health requirements. Determine if they may need extensive coverage for prescription drugs, frequent doctor visits, or specialised treatments. Understanding these needs will aid in selecting the most suitable plan.
Compare Costs and Coverage: Conduct a thorough comparison of the costs and coverage offered by various insurance plans. Analyse factors such as premiums, co-pays, deductibles, and additional expenses associated with each plan. Ensure that the selected plan provides adequate coverage for the medical services your parents are likely to require.
Explore Available Discounts: Some health insurance providers offer discounts based on specific health conditions or types of care. Investigate whether your parents qualify for any discounts that could reduce their insurance premiums or out-of-pocket expenses. Utilising available discounts can result in significant savings over time.
Review the Policy Details: Once you've narrowed down your options, carefully review the fine print of each insurance plan. Pay close attention to the terms and conditions outlined in the policy documents to ensure a clear understanding of coverage limitations, exclusions, and any additional benefits offered. This step is crucial for making well-informed decisions regarding your parent's health insurance coverage.
Coverage Under Health Insurance for Parents
The table below outlines various coverages provided by health insurance for parents in India, encompassing a wide range of medical expenses and treatment options to ensure comprehensive healthcare coverage.
Coverage | Description |
|---|---|
Hospitalisation Expenses | Comprehensive health insurance plans cover hospitalisation expenses, including room charges, nursing fees, doctor consultations, surgical procedures, and medical tests conducted during hospital stays. |
Pre and Post Hospitalisation Costs | Health insurance often covers medical expenses incurred before and after hospitalisation, such as diagnostic tests, doctor consultations, prescription medications, and follow-up visits, ensuring holistic coverage for the entire treatment process. |
Day Care Procedures | Many health insurance policies extend coverage to include daycare procedures, which are medical treatments or surgeries that do not require overnight hospital stays but still necessitate specialised care, such as chemotherapy, dialysis, or minor surgeries. |
Ambulance Charges | Health insurance plans may cover ambulance charges incurred for transporting insured individuals to the hospital during medical emergencies. This coverage ensures timely access to medical facilities without bearing the financial burden of ambulance services. |
Critical Illness Coverage | Be aware of policy limitations, including annual and lifetime maximums. Ensure that these limits align with your potential dental needs and that there are no restrictions that may hinder necessary treatments. |
Alternative Treatments and Wellness | Many health insurance policies cover alternative treatments like Ayurveda, Yoga, Naturopathy, and Homeopathy (AYUSH), along with wellness benefits such as annual health check-ups, preventive screenings, and fitness programs, promoting holistic well-being and preventive healthcare for parents. |
Top Plans for Senior Citizens
Senior First Policy: It is designed specifically for seniors, and aims to provide comprehensive support and care during their golden years. With coverage options extending up to 25 lakhs and no sub-limits on common health conditions, this policy ensures that seniors receive the attention and financial assistance they deserve. Offering health check-ups from day one and a hassle-free claims process, it prioritizes the healthcare needs of seniors.
Key features include comprehensive coverage for daycare treatments like Angiography, Dialysis, Radiotherapy, and Chemotherapy, along with the ReAssure Benefit, providing an unlimited reinstatement base sum insured for long-term treatments and multiple illnesses. With no sub-limits on prevalent health conditions such as cataracts, joint replacements, and cancer, seniors can access uninterrupted medical care when needed.
Health Companion: It is a comprehensive health plan designed to protect individuals and their families from unforeseen medical emergencies and health-related challenges. This plan offers inclusivity with no age restrictions, ensuring everyone can benefit from its features. Notable features include coverage for pre and post-hospitalization expenses for 60 and 180 days respectively, coverage for modern treatments like Deep Brain Stimulation and robotic surgeries, and coverage for vaccinations for animal bites up to INR 5,000.
Additionally, it extends coverage to inpatient AYUSH treatments, including Ayurveda, Unani, Siddha, and Homeopathy treatments, all covered up to the sum insured. Organ donor hospitalisation expenses, including the harvesting of organs from donors, are also covered under this plan
Final Words
Ensuring adequate health insurance coverage for parents is not just a matter of financial security, but also peace of mind during times of medical need. We offer comprehensive health insurance plans tailored to the specific needs of parents, providing extensive coverage, timely medical assistance, and access to quality healthcare facilities. With us, you can rest assured that your parents' health needs will be well taken care of, allowing them to live their lives with confidence and dignity. Take the first step towards securing your parents' health by exploring the range of plans offered by us today. Your parents deserve the best care, and we are here to help you provide it.
Frequently Asked Questions
Our Satisfied
Customers
Watch what our customers are saying. REAL STORIES with REAL IMPACT!
Vippan Kapur
It is unbelievable how Niva Bupa claim team came to my aid, Monday to Sunday no day off.
Meenakshi Khanna
Within few hours we got the claim number and in the next three days the amount was reflected in our bank account.
Vijay Kapoor
With the help of Niva Bupa Health Insurance, I was able to get my son treated without worrying about the high medical cost.
Diviay Chadha
Whenever we have filed for a claim with Niva Bupa, the process was very smooth and people were very helpful.
Parveen Singh
The Niva Bupa team was extremely helpful, be it day or night, someone was always available.
Health and Wellness Blogs
Health and Wellness Blogs
Download the
Niva Bupa App Today
12L+
Downloads
52K+
Reviews
Make your Health Insurance accessible on the go. Download the Niva Bupa Health App today
Catch the latest highlights, updates, and moments from our social media world – all in one place!
www.nivabupa.com
+91 11 41743397
1860-500-8888
3rd Floor, Capital Cyberscape, Sector 59, Gurgaon
