Health insurance for senior citizen parents
Hi All.I wanted to buy health insurance for my mom & dad.They already have Aditya Birla active plus but it has copayment and only 5l sum insured.Another catch is when they ported from national insurance they didn't declare arthritis and BP problem my mom had. I thought of buying ICICI Lombard policy through amex,premium was 85k.Amount was deducted but later rejected because my mom's pre-existing arthritis (osteo and rhumearoid).Later they are offering again with counter offer charges.I connected with ditoo,they suggested care formerly religare(premium 46k 7 lac sum 20% copayment) for my mom & since my dad has no problem so HDFC ergo(36 k 5l sum insured no copayment).While I was going through care documents,I thought it's not worth 46k as arthritis will be totally excluded.I also have option to take insurance from my employer that is super-cheap but copayment is there and I missed for this year.I am very confused,what shall I do?I wanted cashless with no cap on room rent but is it worth to pay around 90k per year to ICICI or shall I take a different policies for both as per ditto.can non-declaration of arthritis impact Aditya Birla policy or shall I upgrade it?Pre existing will not matter since not declared for mom and dad doesn't have. Please answer.Sorry for long post.
submitted by /u/CleanComfortable2309
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