Health Insurance Plans for Parents

Personalised Coverage

Plans designed around your parents’ age, health needs, and budget.

Cashless Hospitals

Get treatment at network hospitals without upfront payments.

No Claim Bonus

Higher coverage benefits for every claim-free year.

24×7 Claim Support

Round-the-clock assistance during medical emergencies.

Why Choose ManipalCigna’s Medical Insurance for Parents

Choosing the right health cover for parents requires trust, clarity, and long-term reliability. These plans are built to support ageing parents with practical benefits and dependable service.

Affordable premiums for seniors

Balanced pricing without compromising coverage

Multi-year policies

Long-term protection with fewer renewals

Extensive hospital network

Easy access to quality healthcare

Various payment options

Flexible and convenient payment modes

Expert Assist

Guidance during hospitalisation and claims

Instant quote facility 

Quick premium calculation online

Easy policy management

Simple renewals and documentation

Pre-existing disease coverage

As per policy, waiting periods

24×7 emergency assistance

Support when it matters most

Lifetime renewability

Continued protection year after year

No-claim bonus

Increased sum insured for claim-free years

Compare Our Health Insurance Plans for Parents

Compare different plans to find the one that best matches your parents’ healthcare needs and budget.

Feature	ManipalCigna Sarvah	LifeTime Health Plan
Coverage	Get comprehensive hospitalisation coverage that includes in patient care, pre and post hospitalisation expenses, daycare treatments, road and air ambulance and AYUSH treatment.	Wide coverage, including higher limit benefits and optional global/OPD features
Sum Insured	Extensive coverage options from Rs. 5L to 3 Cr	Up to ₹3 Cr depending on plan options
Premium	Affordable premiums without compromising on extensive benefits.	Higher range for extensive protection and global features
Unique Benefits	Unlimited cover for listed critical illnesses, Multiple Restorations of exhausted base Sum Insured, Cumulative Bonus up to 1500% of the base Sum Insured, Health Check-up available annually and many more	Broad benefits, optional global cover, enhanced features for lifetime protection

Overview of Health Insurance for Parents

Parents’ health insurance plans help manage rising healthcare expenses with structured coverage.

Coverage for Medical Needs

Supports hospitalisation and treatment costs.

Financial Security

Reduces out-of-pocket medical expenses.

Planned and Emergency Care

Covers both scheduled treatments and emergencies.

Long-Term Protection

Ensures continuity of coverage with renewals.

Age-Appropriate Benefits

Coverage aligned with common health conditions in older age.

Clear Policy Terms

Transparent inclusions, exclusions, and claim conditions.

Key Benefits of ManipalCigna’s Parents’ Health Insurance Policy

This policy is designed to support parents through different stages of healthcare needs, offering practical coverage, financial protection, and ease of use during medical situations.

Pre-existing Disease Coverage

Covers existing health conditions after completion of the applicable waiting period.

Helps parents manage long-term illnesses without repeated out-of-pocket expenses.

Comprehensive Hospitalisation Cover

Covers inpatient treatment expenses, including room rent, doctor’s fees, medicines, and procedures.
Ensures parents receive timely medical care without financial strain.

Annual Health Check-ups

Provides access to regular health check-ups to monitor overall well-being.

Encourages early detection and preventive healthcare for ageing parents.

Restoration of Sum Insured

Automatically restores the sum insured if it gets exhausted during the policy year.

Ensures continued coverage for multiple hospitalisations in the same year.

No-Claim Bonus Benefits

Rewards claim-free years by increasing the sum insured without an extra premium.

Helps build higher coverage over time while keeping costs under control.

Home Care Treatments

Covers medical treatments taken at home when hospitalisation is not possible.

Useful for parents who require supervised care without hospital admission.

Easy Claim Processing

Simple claim steps with support for both cashless and reimbursement claims.
Reduces stress during emergencies with clear documentation and assistance.

Policy Details & Coverage Information

Understanding policy inclusions and exclusions helps avoid confusion at the time of claim. These details explain what the parents’ health insurance policy covers and where limitations apply, so decisions are made with full clarity.

Common Inclusions of a Parent’s Health Plan

These are the standard benefits included under a parent’s health insurance policy, subject to terms and conditions.

Hospitalisation Expenses

Covers medical expenses incurred during in-patient hospitalisation for more than 24 hours.
Includes room rent, doctor consultation fees, nursing charges, medicines, and treatment costs.

Pre and Post-Hospitalisation Costs

Medical expenses incurred before and after hospitalisation are covered for a specified period.
Helps manage diagnostic tests, follow-up consultations, and medicines linked to treatment.

Ambulance Charges

Covers the cost of ambulance services used during medical emergencies.
Applicable up to the limits mentioned in the policy document.

Alternate Treatments

Coverage for AYUSH treatments such as Ayurveda, Yoga, Unani, Siddha, and Homoeopathy.
Applicable when treatment is taken at recognised and authorised centres.

Daycare Procedures

Covers treatments that do not require 24-hour hospitalisation due to medical advancements.
Includes procedures like cataract surgery, chemotherapy, and dialysis, as listed in the policy.

Domiciliary Treatment

Covers medical treatment taken at home when hospital admission is not possible.
Applicable under specific medical conditions and subject to policy terms.

Common Exclusions of a Parent’s Health Plan

Certain conditions and treatments are not covered under the policy. Understanding exclusions helps avoid claim rejections.

Self-Inflicted Injuries or Suicide Attempts

Expenses arising from intentional self-harm or suicide attempts are not covered.
This exclusion applies regardless of mental or emotional state.

Pre-Existing Diseases (During Waiting Period)

Medical expenses related to pre-existing diseases are excluded during the waiting period.
Coverage begins only after the waiting period is completed as per policy terms.

Overseas Treatments

Medical treatments taken outside the geographical limits are not covered under the policy. 

Treatments Resulting from Use of Intoxicating Substances

Medical expenses arising from alcohol, drugs, or other intoxicating substances are excluded.
This applies even if hospitalisation is required due to such incidents.

Unproven or Experimental Treatments

Treatments not recognised under standard medical practice are not covered.
Includes experimental procedures and unapproved therapies.

Non-Prescribed Medical Supplies

Medical supplies or consumables not prescribed by a registered medical practitioner are excluded. Over-the-counter items and personal convenience products are not reimbursed.

Eligibility Criteria for Parental Insurance Plan

Entry & Renewal Age Limits

Eligibility depends on the age criteria defined in the policy.

Nationality & Residency

Applicable to eligible residents as per policy terms.

Pre-Policy Health Check-ups

Medical tests may be required based on age and health history.

Pre-Existing Conditions Disclosure

Full disclosure helps avoid claim issues later.

Medical History & Lifestyle Details

Information related to past illnesses, surgeries, or habits may be required.

Policy Type Selection

Eligibility may vary based on the plan and coverage option selected.

How to Choose the Right Health Insurance for Your Parents

Key points to consider before finalising a plan.

Waiting Period

Check waiting periods for specific conditions.

Renewal Limit

Ensure lifelong renewability.

Parents' Health Insurance Tax Benefit

Premiums may offer tax benefits under applicable sections.

FAQs

Who can buy parents’ health insurance?

Children or legal guardians can purchase health insurance plans for their parents, subject to age, medical history, and eligibility criteria mentioned in the policy.

Is a medical test mandatory?

Medical tests may be required depending on the parent’s age, declared health conditions, and the sum insured selected.

Are pre-existing diseases covered?

Pre-existing conditions are covered after the completion of the waiting period specified in the policy terms.

Can I renew the policy every year?

Yes, the policy can be renewed annually as per the renewal conditions, helping maintain continuous health coverage.

Does the plan offer cashless treatment?

Yes, cashless treatment is available at network hospitals, subject to policy terms and approval.

What documents are required for claims?

Claims typically require hospital bills, medical reports, discharge summaries, and relevant policy documents.

Can add-ons be included later?

Add-on covers can usually be opted for at the time of policy purchase or during renewal, based on availability and eligibility.