विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Abhishek
Ramalingam Kalirajan11488 Answers |Ask - Follow
Mutual Funds, Financial Planning Expert - Answered on Oct 13, 2026
Asked on - Oct 12, 2026
my father is 75 years old and my mother is 70 years old, she has stent in the heart, can you recommend which is the best health insurance policy for them. thanks
Ans: Thank you for sharing your parents details. Having health insurance at this age is important, especially when your mother has a heart stent.
» Health Insurance for Your Parents
– At 75 and 70 years, getting a new health insurance policy may be difficult. Premiums can also be high, and some insurers may not accept the application.
– Your fathers health condition and your mothers heart history will be considered during underwriting. Since your mother has a heart stent, the insurer may impose waiting periods, exclusions or other conditions.
– Do not choose a policy based on premium alone. Check the coverage, room rent limits, co-payment, disease-wise limits and claim conditions carefully.
» What You Should Check Before Buying
– Look for a senior citizen health insurance policy that accepts applicants of their ages and offers reasonable hospitalisation coverage.
– For your mother, disclose the heart stent procedure and all related medical details honestly. Ask the insurer in writing whether future cardiac treatment will be covered and from when.
– Check the co-payment clause. If the policy has a 20% co-payment, you may have to pay 20% of eligible hospital expenses yourself.
– Check pre-existing disease waiting periods. Existing heart conditions may not be covered immediately.
– Check whether the policy has limits on ICU charges, room rent, specific treatments or the total amount payable for certain illnesses.
» Consider These Alternatives
– If your parents already have health insurance, check whether it can be continued or enhanced. Keeping existing coverage may be more useful than buying a new policy.
– Check whether they have any employer-sponsored, government-sponsored or other eligible health coverage.
– If new insurance is unavailable or too costly, maintain a separate medical emergency fund. This will help meet hospital expenses not covered by insurance.
» My Assessment
At their ages, I would first check existing insurance and its continuation options. Then compare new policies based on actual coverage and exclusions.
For your mother, written confirmation about cardiac coverage is especially important. Do not assume that a policy will cover heart-related treatment simply because the insurer accepts her application.
Please share these three details for a more suitable assessment:
– Do your parents currently have any health insurance? If yes, what is the sum insured?
– Which city do they live in?
– Does your mother have any other medical conditions apart from the heart stent?
With these details, we can narrow down the available options and identify the most practical way to protect your parents from large medical expenses.
Best Regards,
K. Ramalingam, MBA, CFP,
AMFI-Registered MFD – ARN 4188
www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/
(more)
» Health Insurance for Your Parents
– At 75 and 70 years, getting a new health insurance policy may be difficult. Premiums can also be high, and some insurers may not accept the application.
– Your fathers health condition and your mothers heart history will be considered during underwriting. Since your mother has a heart stent, the insurer may impose waiting periods, exclusions or other conditions.
– Do not choose a policy based on premium alone. Check the coverage, room rent limits, co-payment, disease-wise limits and claim conditions carefully.
» What You Should Check Before Buying
– Look for a senior citizen health insurance policy that accepts applicants of their ages and offers reasonable hospitalisation coverage.
– For your mother, disclose the heart stent procedure and all related medical details honestly. Ask the insurer in writing whether future cardiac treatment will be covered and from when.
– Check the co-payment clause. If the policy has a 20% co-payment, you may have to pay 20% of eligible hospital expenses yourself.
– Check pre-existing disease waiting periods. Existing heart conditions may not be covered immediately.
– Check whether the policy has limits on ICU charges, room rent, specific treatments or the total amount payable for certain illnesses.
» Consider These Alternatives
– If your parents already have health insurance, check whether it can be continued or enhanced. Keeping existing coverage may be more useful than buying a new policy.
– Check whether they have any employer-sponsored, government-sponsored or other eligible health coverage.
– If new insurance is unavailable or too costly, maintain a separate medical emergency fund. This will help meet hospital expenses not covered by insurance.
» My Assessment
At their ages, I would first check existing insurance and its continuation options. Then compare new policies based on actual coverage and exclusions.
For your mother, written confirmation about cardiac coverage is especially important. Do not assume that a policy will cover heart-related treatment simply because the insurer accepts her application.
Please share these three details for a more suitable assessment:
– Do your parents currently have any health insurance? If yes, what is the sum insured?
– Which city do they live in?
– Does your mother have any other medical conditions apart from the heart stent?
With these details, we can narrow down the available options and identify the most practical way to protect your parents from large medical expenses.
Best Regards,
K. Ramalingam, MBA, CFP,
AMFI-Registered MFD – ARN 4188
www.holisticinvestment.in
https://www.linkedin.com/in/ramalingamcfp/