1Yes, Parents Above 60 Can Get Cover
Star Health, TATA AIG, and HDFC ERGO offer senior citizen health plans with entry age up to 75–80 years. These plans cover age-related conditions, and the premium is also eligible for tax deduction up to ₹50,000 under Section 80D. We recommend buying this as early as possible.
2Waiting Periods — and "No Waiting Period" Plans
- Initial waiting period — usually the first 30 days, except accidents.
- Pre-existing diseases (BP, diabetes, heart) — covered after a waiting period that depends on the plan.
- Plans that cut or remove the waiting period exist, usually at a higher premium — we show you the options.
3Co-Payment
Many senior plans have a co-payment — the family pays a fixed share (for example 10–20%) of every claim. A lower premium sometimes hides a higher co-pay, so compare both together.
4How Much Cover?
As a general guideline for Guwahati, a family with senior parents should look at ₹15–25 Lakhs. Treatment for parents often means bigger hospitals — in Guwahati, Dibrugarh or cities like Chennai, Hyderabad, Delhi, Mumbai or Bangalore — so choose a plan with a wide cashless network.
5Medical Tests & Honest Declaration
Above a certain age, insurance companies may ask for a medical check-up before issuing the policy. Always declare existing illnesses and medicines — non-disclosure is the most common reason claims are rejected.
6Tax Benefit
Premium paid for parents above 60 is eligible for a deduction of up to ₹50,000 under Section 80D (old tax regime), over and above the deduction for your own family.