As per the new laws passed by the Government of India, every organization will have to provide medical insurance covers to all its employees post the pandemic. This is a revolutionary step that will ensure that every individual has enough financial support in a medical emergency. It also helps ensure that there is universal healthcare for every working individual in the country, which also reflects on their family.
A group health insurance plan provides coverage for your family, including your child and spouse. You can also include your parents in the group medical insurance cover by buying an add-on benefit based on the insurer's terms and policy. Additionally, you may have to pay an additional premium amount for this benefit.
However, you must keep in mind that our parents are at a high risk of contracting a severe illness, and hence they must have a comprehensive cover that provides for all their financial, medical needs. One of the best ways of doing so is by availing a Senior Citizens Health Insurance Policy that provides a high sum insured with additional benefits like-
Cover for pre-and-post hospitalization costs
Cover for ambulance charges
Free health checkup
Cashless treatment facility
A senior citizen health insurance policy may also cover pre-existing illnesses, but this includes a waiting period subject to the insurer's guidelines. With this insurance cover in place, you can make your parents feel independent and secure, as they know that their medical needs will be taken care of by the insurer. Several insurers also offer a cumulative bonus that adds to the list of already existing benefits in case of a claim-free year.
To know more about the various types of healthcare insurance plans and their features and benefits, you can visit Bajaj Finserv's website and avail your insurance covers online.
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