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5 Add-On Covers With Parent’s Health Insurance

By Juhi Walia
10 October 2022, 12:56 PM

As a parent, it is important to have health insurance for yourself. Health insurance helps ensure access to quality medical care when you need it. It also helps protect you financially in the event of an unexpected health issue. Most health insurance plans offer add-on covers for parents. Add-on covers can be added to your existing health insurance plan or purchased as a standalone policy. This is a great way to get coverage for your parents at an affordable rate.

Some of these add-ons may cover things like critical illness, OPD care, personal accident cover, and more. Ultimately, the add-on covers that are available will vary based on the insurer.

Here are seven add-on covers that are provided with Health insurance for parents.

5 Add-on Covers with Parent's Health Insurance

1. Critical Illness

As the cost of medical care continues to rise, having health insurance is more important than ever. For parents, having health insurance is critical in case of an unexpected illness or injury. 

In the case of a critical illness, especially when the parents do not have health insurance, the financial burden can be devastating. A serious illness can quickly rack up tens of thousands of rupees in medical bills, and even a short hospital stay can cost thousands. If parents don't have health insurance, they may have to choose between paying for medical care and putting food on the table or making the mortgage payment.

No one knows when they or a loved one might get sick, so having health insurance is a critical safety net. For parents, having health insurance is the best way to protect their families financially in case of an unexpected health crisis.

Read more - 6 Important Tips to Buy the Best Critical Illness Policy

2. Co-payment Waivers 

Hospital co-payment waivers are a type of insurance that helps cover the costs of hospital stays for policyholders. This type of waiver is often included in health insurance plans as an added benefit. When a policyholder is admitted to the hospital, the waiver helps cover the cost of their stay, up to a certain limit. This can help ease the financial burden of a hospital stay and can allow policyholders to focus on their recovery.

3. OPD Care 

As a parent, one of the most important things you can do is make sure your family is properly protected in case of an emergency. That's why having health insurance is so important.

While your health insurance policy may cover hospitalisation and other major medical expenses, it's also important to ensure coverage for outpatient care. Outpatient care includes everything from regular check-ups and doctor's visits to tests and procedures that are done outside of a hospital setting. While your health insurance policy may cover some of the costs associated with outpatient care, there may be some exclusions.

Read more - Is OPD in Health Insurance an Inbuilt or Add-on Cover?

4. Personal Accident Cover

Accidents are the worst emergencies that can hit a family. Young or old, every individual out on the road or in an area with heavy machinery is prone to an accident. That’s why purchasing personal accident cover as a health insurance add-on acts as a support to your family in case there was anything to happen to you as the parent.

5. Hospital Cash Cover

A recent study showed that nearly 60% of parents are unaware of hospital cash cover as a health insurance benefit. Hospital cash cover helps pay a fixed daily amount for each day you're in the hospital. This can help cover the cost of accommodation, meals, and other out-of-pocket expenses.

With the rising cost of healthcare, hospital cash cover is an important benefit that can help ease the financial burden of a hospital stay. If you're a parent, it's important to be aware of this benefit and make sure it's included in your health insurance policy.

What is Not Covered in a Health Insurance for Your Parents?

It is important to be aware of what your health insurance policy covers and what it doesn't. The following are some examples of circumstances in which the insurer will not cover medical expenses:

  • Any type of pre-existing ailments or injuries
  • Any diseases diagnosed within 30 days of policy inception
  • Any treatment other than allopathy
  • Self-inflicted injuries or any mental disorders
  • Overconsumption of alcohol, intoxication, and drug overdose
  • Any expenses incurred on the purchase of spectacles, lenses, and other external aids
  • Any cost of dental treatment (unless it is an accidental case)


There are a lot of factors to consider when it comes to parents' health insurance. The most important thing is ensuring that the coverage is adequate and that the premiums are affordable. You should thus research and compare health insurance plans before making a decision. 

Read more - Address These Common Health Issues Your Old Parents May Have


1. What are some of the best companies for parents' health insurance?

Some of the best companies for parents' health insurance in India include Bajaj Allianz, Star Health, and Niva Bupa.

2. How much do your parents pay for their health insurance?

Parent health insurance premiums depend on the sum insured and their medical conditions.

3. Are there any insurance policies that cater to the parents' health?

A variety of insurance policies cater to the health of parents. Some policies cover the costs of medical care, while others provide coverage for long-term care. Parents can choose the policy that best suits their needs.

4. Is it possible to buy a health insurance policy for my non-earning parents?

Yes, you can buy a healthy policy for your parents even if they are not earning.

5. How much can I use my parent's health insurance policy?

If you are dependent on your parent's health insurance policy, your coverage may be different than if you were an independent adult. 

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