Trending @Infosys; Infosys health insurance policy
How to use our medical insurance to our parents? If our parents our not added in insurance but there is an emergency and when can we add our parents to insurance and how?
Insurance coverage starting from 1 Lakhs ,2L, 3L, 4L &5L. Individual plan - you can select coverage lakhs for your Mom & Dad separately. You can do for any one also here. Only Dad or only Mom like that.
For Ex : i have taken 2L coverage for my father & 1L for my mother. Total i paid around ₹22k premium by 3 instalment's. Once you login into the portal they clearly show for how much premium you have to pay for each coverage.
Floaters plan - this plan will cover both you Mom & Dad in single plan.
For Ex : If i select 3L coverage, both my Mom & Dad insurance claim should be together 3L. If i claimed 2L for my mom , Balance 1L only we can able to claim if i need to claim for my dad.
Important note : Kindly go through the EHIP pdf document in our infy system. Because this insurance will not cover all kind of medical illnesses. They have certain % of claim for specific issues.
My personal suggestion is to take parents insurance outside infosys is better. That insurance will cover your parents even if you left infy.
Me too faced your same situation. So I'll try to explain here i hope it will assist you.
Infosys default Health insurance policy (HIP) will cover you, Your spouse/ Husband & your children.
For your parents, first you have to add them in your dependent list. then Extended health insurance policy (EHIP) which is for your Parents & Siblings.
This EHIP portal will open only on Oct to Nov every year for nominations. On that time you have to add your Parents without fail to avail insurance. Individual plan & Floating plans are there you can explore depends on your requirements.
You can pay a single payment or you can pay like EMI (Max 3 months) will be debited from your salary.
For New Joiners : from the date of joining you have 45 to 60 days (maybe lesser than this number of days) to nominate your Parents into EHIP. If you missed it, no options you have to wait till portal to open.
Thank you so much for info.. could u pls explain the difference between Individual plan and Floater plan.. and pls suggest which one is better ?
You don’t add insurance when you have an emergency. You take insurance from the beginning so that it can be used In emergencies. It’s a general rule/advice to all the young folks. Take a high cover insurance at your age both term and health. As premium will be lowest.
Now you don’t have much choice, I am assuming your parents have a medical condition, many insurance companies won’t provide you cover for that preexisting condition. Even if they do the premium will be very high. Try seeing if you can use PM ayush schemes and insurance. I think they cover even pre existing condition
