Knowledge Centre
₹5 lacs - ₹2 Cr
Additional 5% Online


99.8% Claim Settlement Ratio**
97% Claim

Settlement Ratio*^

₹7500+ Cr claims Settled till now#
₹7500+ Cr claims

Settled till now^*

Health Insurance Plans for Parents

health insurance plan

Your parents have been your support system right since the time you were born. They bear the responsibility of bringing you up, giving you a good lifestyle and ensures you get quality education to secure your future. However, after a certain point in life our parents need our attention like good medical assistance and taking care of them when they get fragile with age. That’s when it’s important to buy a good health insurance plan for them.

Recommended Parents Health Insurance Plans

Just launched online health insurance for bigger families

Optima Secure

This health insurance plan by HDFC ERGO offers 4X health coverage at no additional cost, which means you actually get 4 times increase in health cover at the cost of your preferred sum insured. Explore other benefits like no disease & room rent capping to avail quality medical treatments.

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health insurance policy for family

my:health Suraksha

This plan offers free health inspection every year so that you remain in the pink of health, always. And family members below the age of 45 do not even have to get tested to get insured. No room rent capping is another key benefit offered by my:health Suraksha.

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medical insurance policy for Family

Medisure Super Top-up

Willing to upgrade your existing health cover? If yes, then buy Medisure Super Top-up and get a higher cover for lower premium.

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medical insurance policy for Family

Optima Restore

While you plan your finances, don’t miss out on buying a health insurance plan for yourself.Get benefits like fitness discount and sum insured rebound. Our health insurance plans for individuals will take care of medical expenses without impacting the savings.

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buy a health insurance plan
Choose Peace of Mind Over Panic

Why Choose Parents Health Insurance?

Why Choose HDFC ERGO health insurance

Our parents' health insurance plans are designed keeping in mind the growing medical needs and rising inflation.

cashless claim service
Cashless Claim Service
network hospitals
Nearly 10,000+ Network Hospitals**
4.4 customer rating for hdfc ergo health insurance
4.4 Customer Rating
2 Decades in health insurance
Almost 2 Decades of Serving Insurance
1.5 Crore+ happy customers of hdfc ergo
#1.5 Crore+ Happy Customers
Get Insured

Network Hospitals
Across India

Find Your Nearest Cashless Hospitals

Find 10,000+ network hospitals across India
Jaslok Medical Centre


C-1/15A Yamuna Vihar, Pincode-110053

Roopali Medical
Centre Private Limited


C-1/15A Yamuna Vihar, Pincode-110053

Jaslok Medical Centre


C-1/15A Yamuna Vihar, Pincode-110053

Understand Coverage Offered by Parents Health Insurance Policies

hospitalization expenses covered by hdfc ergo

Hospitalization Expenses

Hospitalisation can lead to a number of different expenses like nursing charges, ICU fees and room expenses. The policy covers all the expenses incurred during hospitalisation.

mental healthcare covered in HDFC ERGO health insurance

Mental Healthcare

We believe mental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover hospitalization expenses incurred for treating mental illnesses.

pre & post hospitalisation covered

Pre & Post Hospitalisation

Doctors have to run a number of diagnostic tests to decide the course of treatment. Consultation fees have to be paid over diagnostic expenses. The policy covers all expenses 60 days prior to hospitalisation and 180 days after hospitalisation.

daycare procedures covered

Day Care Treatments

The advancement of medical technology has reduced the time required for certain procedures. The policy covers medical treatment that requires less than 24 hours of hospitalisation.

cashless home health care covered by hdfc ergo

Home Healthcare

In case of hospital bed non-availability, if the Doctor approves treatment at home we cover you for that as well. So that, you get medical treatment right at the comfort of your home.

sum insured rebound covered

Sum Insured Rebound

This benefit acts like a magical backup, which recharges your exhausted health cover to treat the next hospitalization. Basically, we ensure uninterrupted medical coverage at the time of need.

organ donor expenses

Organ Donor Expenses

If you get a suitable organ donor, proceed without worrying about the costs as the policy covers organ donor expenses.

recovery benefits covered

Recovery Benefit

If you stay in a hospital for more than 10 days at a stretch, then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization.

ayush benefits covered

AYUSH Benefits

Let your belief in alternate therapies like Ayurveda, Unani, Siddha, and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.

free renewal health check-up

Free Renewal Health Check-up

Get a free health check-up within 60 days of renewing your policy with us.

lifetime renewability

Lifelong Renewability

Once you get yourself secured with, our health insurance plan there is no looking back. Our health plan continues to secure your medical expenses for your entire lifetime on break free renewals.

lifetime renewability

Multiplier Benefit

If there is no claim in the first year, in the next policy year, the sum insured will grow by 50%. It means, instead of ₹ 5 Lakh, your sum insured would now stand at ₹ 7.5 Lakh for the second year.

The above mentioned coverage may not be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our health insurance plans.

adventure sport injuries

Adventure Sport Injuries

People seek adventure sports for the adrenaline rush. The policy, however, does not cover injuries arising out of adventure sports.

self-inflicted injuries not covered

Self-inflicted Injuries

Self-harm can be saddening for the entire family, but the policy does not cover self-inflicted injuries.

injuries in war is not covered


A war can break out due to a number of reasons and is never the decision of an individual. Any injury sustained in a war is not covered by the policy.

Participation in defence operations not covered

Participation in Defence Operations

Our health insurance plan does not cover accidental injury while you are participating in defence (Army/Navy/Air Force) operations.

venereal or sexually transmitted diseases

Venereal or Sexually Transmitted Diseases

While we understand the seriousness of venereal and sexually transmitted diseases, the treatment of such diseases are not covered under the policy.

treatment of obesity or cosmetic surgery not covered

Treatment of Obesity or Cosmetic Surgery

Obesity reduction treatment may be inevitable for some people. The policy, however, does not over treatment of obesity and cosmetic surgeries.

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All Set to Buy A Health Insurance Plan?

  How to Make a Claim for your HDFC ERGO Health Insurance  

The sole purpose of buying a health insurance plan is to get financial support at the time of medical emergency. Hence, it is important to read the below steps to know how Health Insurance claims process works differently for cashless claimsand reimbursement claim requests.

Health Insurance Cashless Claims get approved within 60*~ minutes

Fill pre-auth form for cashless approval


Fill up the pre-auth form at the network hospital for cashless approval

approval status for health claim


Once hospital intimates us, we send you the status update

Hospitalization after approval


Hospitalisation can be done on the basis of pre-auth approval

medical claims settlement with the hospital

Claim settlement

At the time of discharge, we settle the claim directly with hospital

We settle reimbursement claims within 6~* hours



You need to pay the bills initially and preserve the original invoices

claim registration

Register a claim

Post hospital discharge send us all your invoices and treatment documents

claim verifcation


We verify your claim related invoices and treatment documents

claim approval

Claim Settlement

We send the approved claim amount to your bank account.

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for Your Family?

Save Tax with Tax with Parents Health Insurance Policy

Tax Benefits on Single Premium Medical Insurance Plans

As per the recent Income tax laws, the health insurance premium paid for a multi-year plan in the lump sum is eligible for a tax deduction under Section 80D. And the tax-deductible amount will be based on the total premium paid for the policy term. This will be subjected to the limits of Rs. 25,000 or Rs. 50,000 as per the case may be.

Higher Tax Benefit on Senior Citizen Health Insurance Plans

The premium that you pay on a health insurance policy purchased for your parents can be claimed for tax deduction up to Rs. 50,000. Moreover, the tax deduction limit for expenses incurred on specific illnesses of elderly people is up to Rs. 1 lac.

Deduction on medical insurance premium paid for parents

Expenses incurred on preventive health check-ups are also eligible for tax benefits. However, most of the taxpayers end up paying it on their own. The tax exemption limit is Rs. 5,000.

Deduction on preventive health check-ups

YIn addition to the hospitalization expenses, tax exemption benefits are also provided on the out-patient department or OPD consultation charges as well as expenses incurred on diagnostic tests. You can avail tax benefits on cash payments also. Unlike other medical expenses that require payments either through debit/credit cards, cheques, or internet banking to avail tax exemption benefits.

Please note that the above-mentioned benefits are as per the current tax laws prevailing in the country. Your tax benefits may change subject to tax laws. It is advisable to reconfirm the same with your tax consultant. This is independent of your health insurance premium value.

protect against coronavirus hospitalization expenses
Protect Your Family Against Coronavirus
Hospitalization Expenses

Things to look at when buying a Parents Health Insurance plan

Every time you look for health insurance plan for your parents, you wonder which is the best health insurance plan for parents? How to choose the best health plan online? What coverage should it have? To answer all your queries let’s read more to decode the hacks to get the right health insurance plan.


Get yourself adequate sum insured

If you are residing in the metro cities then the cost of treatment is high hence for an individual your sum insured should ideally range between 7 lacs to 10 lacs. If you are looking for a family cover to insure your spouse and kids a sum insured that ranges between 8 lacs to 15 lacs suits best on floater basis. It should be adequate to cover more than one hospitalisation that may happen in a year.



If you wish to pay low premiums for health insurance plan then co-pay your hospital bills. You end up sharing the medical expenses with your health insurer hence you do not have to pay a heavy premium. You could also buy my:health Suraksha health insurance that offers instalment payment facility on monthly, half yearly, quarterly and annual basis.


Vast Network of Hospitals

Always check if the insurance company has a wide list of network hospitals. If the nearest hospital or medical facility is listed by the insurance company it will help you avail cashless treatment. At HDFC ERGO, we have a huge network of 10,000+ cashless network hospitals.


No Sub-limits Help

Usually your medical expenses depend upon your room type and disease. It is recommended to buy a health insurance plan that does not have sub-limits on hospital room rent so that you can choose the hospital room as per your comfort. Most of our policies also don’t imply disease sublimit; this is also an important factor one must keep in mind.


Check Waiting Periods

Your health insurance plan does not come into action while you are waiting period is not completed. Always check health insurance policies with lower waiting periods for pre-existing ailments and maternity benefits before buying a health insurance plan online.


Trusted brand

Always choose a health insurance company that has a good reputation in the market. You must also look at the customer base and claim paying ability to know if the brand will honor the claims that you may make in future.

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Why Buy Parents Health Insurance Online?

buy health insurance policy from anywhere, anytime


You can sit on the couch lazing around and browse through the internet and look for plans. You save your time and effort by visiting an insurance company’s office or an agent visiting your place. You can make secured transactions from anywhere and anytime. Also, the policy wordings are available online for you to read the fine print to avoid any last moment surprises.

secured payment mode

Secured Payment Modes

You do not have to pay premiums in cash or cheque for your health insurance plan! Go Digital! Simply use your credit/debit card or net banking services to make payments online through multiple secured payment modes.

instant quotes & policy issuance

Instant Quotes & Policy Issuance

You can instantly calculate the premium, add or remove members, customize plans, and check coverage online at your fingertips to buy a health insurance plan online.

 get instant policy documents

What You See is What You Get

You no longer have to wait for the physical health insurance policy documents. Your policy PDF copy comes right into your mailbox as soon as you pay the premium online and you get your policy within a few seconds.

instant quotes & policy issuance

Wellness & value added services at your finger tips

Get access to your policy documents, brochure etc in our my:health services mobile application. Download our wellness application to book online consultations, monitor your calorie intake and keep a track on your BMI as well.

Hear from Our happy customers

4.4/5 Stars

Our customers have rated us

Praveen Kumar

my:Health Suraksha

28 Oct 2020

I will recommend my friends and family members, yours service is to good and prompt, customer supporting is very good.


my:Health Suraksha

15 Oct 2020

I am totally satisfied with the services. The toll free line and IVR line worked even in Covid19 crisis. HDFC customer care executives communication is extremely helpful.

Shweta R

my:Health Suraksha

12 Oct 2020

I am glad that you have processed our claim as per the request of our mail.Thank you for considering our mail and responding to it. I am so happy for approving our claim.

Pramod MahadevTanawade

my:Health Suraksha

28 Sep 2020

Appreciated services provided by your executives.

Shailendra Kumar Rath

my:Health Suraksha

20 Oct 2020

Excellent service superb Time taken to settle claim exceptionally very low worth mentioning We are delighted at your service

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Award of the Year


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