Cheap in Premium and best as per the needs:-
1. Apollo Easy Health Individual.
You can add everyone in it. If someone is diabetic, don't include him in apollo insurance for sure.
http://www.apollomunichinsurance.com/individual-easy-health-premium-calculator.aspx
One can go for 2lac individually in Easy Health Individual.
e.g A parent with 61 yrs and two youngsters between 18 and 34 will have a premium of around Rs.13500 for a year. Also there is no capping on the Room Rent or Doctor visit.
You will have to have the health checkup if you are above 45 yrs of age. In this policy, you will bear the cost of health check up and if you are found fit, company will reimburse you 50% of checkup amount. If somehow you are found unfit after taking the policy, company will reimburse you the insurance amount, but the checkup cost will not be reimbursed.
2. Religare Insurance :
For senior parents above and around 60-65, companies normally dont provide health insurance if the person is diabetic. One company that provides the HealthInsurance incase of diabetic too is Religare.
http://www.religarehealthinsurance.com/buy-health-insurance-policy-plan.html
One good thing about Religare plan is that it will insure you for double the amount actually.
E.g if you take an insurance of 2 lacs, and somehow you exhausted the limit of 2 lacs. It will autorenew for 2 lacs more without any more premium and you can use this amount again for other diseases. The limitation in auto renewed amount is that you cannnot use the auto renewed amount on the same disease on which you finished up the limit of 2 lacs.
There is however a capping for Room rent (1% of sum insured), Ambulance charges (Rs 1500), ICU charges (2% of SI).
Also they will provide Annual Health Checkup free of cost. If you are not found fit for health insurance after taking the policy, company will deduct around Rs850 from the amount spent for tests and will reimburse the remaining insurance amount.
3. MaxBupa:-
Prior to Religare, only MaxBupa was the company that used to provide insurance to senior citizens with diabetic problem. But the premium for MaxBupa is quite high compared to Religare and also there is no autorenew. So Religare is a better choice than MaxBupa.
MaxBupa is good if one is expecting a baby after 2 years of insurance as that will cover around 15000 and 25000 for the maternity costs incase of normal and cesserian case respectively. It will also cover the vaccination cost for the new born for one year.
One more plan launched by Apollo for senior citizens is Apollo SeniorCitizen plan, but yet to get the details for that.
1. Apollo Easy Health Individual.
You can add everyone in it. If someone is diabetic, don't include him in apollo insurance for sure.
http://www.apollomunichinsurance.com/individual-easy-health-premium-calculator.aspx
One can go for 2lac individually in Easy Health Individual.
e.g A parent with 61 yrs and two youngsters between 18 and 34 will have a premium of around Rs.13500 for a year. Also there is no capping on the Room Rent or Doctor visit.
You will have to have the health checkup if you are above 45 yrs of age. In this policy, you will bear the cost of health check up and if you are found fit, company will reimburse you 50% of checkup amount. If somehow you are found unfit after taking the policy, company will reimburse you the insurance amount, but the checkup cost will not be reimbursed.
2. Religare Insurance :
For senior parents above and around 60-65, companies normally dont provide health insurance if the person is diabetic. One company that provides the HealthInsurance incase of diabetic too is Religare.
http://www.religarehealthinsurance.com/buy-health-insurance-policy-plan.html
One good thing about Religare plan is that it will insure you for double the amount actually.
E.g if you take an insurance of 2 lacs, and somehow you exhausted the limit of 2 lacs. It will autorenew for 2 lacs more without any more premium and you can use this amount again for other diseases. The limitation in auto renewed amount is that you cannnot use the auto renewed amount on the same disease on which you finished up the limit of 2 lacs.
There is however a capping for Room rent (1% of sum insured), Ambulance charges (Rs 1500), ICU charges (2% of SI).
Also they will provide Annual Health Checkup free of cost. If you are not found fit for health insurance after taking the policy, company will deduct around Rs850 from the amount spent for tests and will reimburse the remaining insurance amount.
3. MaxBupa:-
Prior to Religare, only MaxBupa was the company that used to provide insurance to senior citizens with diabetic problem. But the premium for MaxBupa is quite high compared to Religare and also there is no autorenew. So Religare is a better choice than MaxBupa.
MaxBupa is good if one is expecting a baby after 2 years of insurance as that will cover around 15000 and 25000 for the maternity costs incase of normal and cesserian case respectively. It will also cover the vaccination cost for the new born for one year.
One more plan launched by Apollo for senior citizens is Apollo SeniorCitizen plan, but yet to get the details for that.
