Health Insurance For Parents In Delhi

Top health insurance for parents in Delhi includes comprehensive plans from top insurance providers in India, offering key features like pre-existing disease coverage, no room rent capping, and a wide network of hospitals.

Coverage for Health Insurance for Parents in Delhi

The following are the key coverage details of Health insurance policies for parents in Delhi:

• Hospitalisation Expenses: Comprehensive plans cover medical bills incurred when parents get hospitalised for more than 24 hours, or for a minimum of 2 hours under certain policies.


• Day Care Procedures: Day care procedures such as varicose veins surgery and cataract surgery, which usually require hospitalisation for 24 hours. However, the extent of coverage significantly varies by plan.


• Pre- & Post-Hospitalisation Expenses: Healthcare plans for parents cover diagnostic tests and doctor fees, typically within 30 to 60 days before admission, depending on the specific plan. Coverage for medical expenses incurred after discharge (generally ranging from 60 to 90 days), subject to the specific plan.


• Advanced Treatments: Coverage for various advanced medical treatments, such as deep brain stimulation, oral chemotherapy, and robotic surgeries, is included.


• AYUSH Treatment: Coverage includes inpatient healthcare expenses under the AYUSH, which stands for Ayurveda, Homoeopathy, Unani, Siddha, and Yoga.


• Pre-existing Diseases: Coverage for treatment expenses for pre-existing conditions is provided, subject to a waiting period (generally up to 3 years).


• Expenses for Organ Donor: Expenses related to harvesting a donated organ for transplant surgery are covered.


• Major Surgeries: Major surgical procedures such as knee replacement, brain surgery, bariatric surgery, liver transplant, heart surgery, and cataract surgery are covered.


• Ambulance Charges: Ambulance charges during a medical emergency are included.


• Preventive Health Check-ups: Preventive health check-ups are covered under health insurance for parents. Some plans offer this benefit every policy year, while others provide it after several claim-free years.


• Domiciliary Hospitalisation: Expenses for receiving hospitalisation at home are covered when transfer to a hospital is not feasible or in case a hospital bed is not available.


• OPD Expenses:Coverage includes outpatient (OPD) expenses such as consultation charges, OPD treatments, diagnostic tests, and medication expenses.


• Mental Illness Treatment Coverage: Medical expenses for the treatment of mental illnesses are covered.


• Coverage for Consumables: Expenses for consumables and non-medical items used during hospitalisation are included.