Hello Raviz,

As you mention that you need health insurance for your mother & father. Which also covers pre-exisiting diseases.But can you please mention the age of your family members. Below I suggested the plan on information you shared with us.

There are some good plans available in market and (Star Health and Allied Health Insurance Senior Citizens Red Carpet Plan) is one of them. Following are the main highlights of plan have a glance look on it.

* Entry age of this plan is 60 years to 75 years.
* This plan covers treatment only in network hospitals.
* This plan does not have any waiting period for pre-existing diseases.
* Room/Rent : 1 % of sum insured up to maximum of INR 4000 per day in case of normal hospitalization.
: 2 % of the sum insured for ICU room-rent.

* Two co-pay conditions : 50% of claimable expenses in case of pre-existing diseases.
: 30% of any claimable expense.Etc.

In Star Health and Allied Health Insurance Senior Citizens Red Carpet Plan their is Waiting period of 2 years is applicable for specified ailments and 1 year for some specified surgeries. and Waiting period of 1 year for pre-existing diseases which have occurred a year before buying the policy.

Hope this Information is useful for you.

Cheers.