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				PolicyWala Newbie
			
			
			
			
				
					
						
					
				
			
			 
			
				
				
				
				
				
					    
				
			
		 
		
			
				
				
				
					
 Health insurance for me and dependent parents?
				
				
						
						
				
					
						
							I want health insurance for me and dependent parents. Our ages - Mine - 26 years, Father – 58 years Mother -  1954 years (Diabetic). I would like to buy a family floater or any other plan - where with health insurance, critical illness, personal accident is covered along diabetes. I will go for individual or family floater, which covers all. Can we claim the health benefits from the first year or is there any waiting period in it? 
						
					 
					
				 
			 
			
			
		 
	 
		
	
 
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				PW Fan
			
			
			
			
				
					
						
					
				
			
			
			
				
			
			 
			
				
				
				
				
				
					    
				
			
		 
		
			
				
				
				
					
 
				
				
						
						
				
					
						
							As your father and mother are 58 and 54 years old, I would recommend buying separate policy for both of them with minimum sum insured of Rs. 500,000 (due to high medical costs now a days). And the diabetics is excluded from the above policy as pre-existing disease. For yourself you can buy single health insurance.
						
					 
					
				 
			 
			
			
		 
	 
		
	
 
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				PolicyWala NewBie
			
			
			
			
				
					
						
					
				
			
			 
			
				
				
				
				
				
					    
				
			
		 
		
			
				
				
				
					
 
				
				
						
						
				
					
						
							Sir Star Insurance is good. They are offering various plans and also for Senior Citizens from 60 years to 69 years.
						
					 
					
				 
			 
			
			
		 
	 
		
	
 
		
		
		
	
 
	
	
	
	
	
	
	
	
	
	
	
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