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Health Insurance For Families With Parent In-Laws

Securing your loved one’s health against rising medical expenses is now easy! Get comprehensive health insurance for Families With Parent In-Laws starting @Rs. 20/per day*

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14,300+ Cashless hospitals
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Home / Health Insurance / Family Health Insurance / Health Insurance For Families With Parent In-Laws

In our rich Indian culture, elders have always been given a special place. Children care for their needs like food, shelter, clothing, and most importantly their health. Considering this, one of the best ways to ensure their physical well being is buying health insurance. Thus, it is helpful to look for a plan that includes not only the parents but parents-in-law as well. This is possible with ACKO Personal Health Policies where you can insure up to 10 family members including self, spouse, children, parents, and parent-in-law.

The need for health insurance for families with parent-in-laws
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Indian families benefit from holistic health plans that financially protect insured members. As children grow, they are vulnerable to infections and injuries needing medical care. Elders combat fragility from advanced age and existing complications. Hence, tailored coverage aids young and old alike. Additionally, you can also avail tax savings up to Rs 50,000 under Section 80D based on chosen coverage. 

Which is the ideal plan for covering families with parents-in-law under health insurance?
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In India, there are several types of health insurance plans available to cater to the diverse needs of families with parents-in-law. Some of the most common types include:


Family Health Insurance
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Family Health Insurance plan Covers the entire family (spouse, children, and dependent parents or parents-in-law) under a single policy and sum insured


Critical Illness Insurance
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Critical Illness Insurance plan Provides a lump sum benefit upon the diagnosis of a specified critical illness, such as cancer, heart attack, or stroke.



Senior Citizen Health Insurance
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Senior Citizen Health Insurance plan Designed for individuals aged 60 years and above. Covers age-related illnesses and medical conditions.


Super Top-up Health Insurance
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Super Top-up Health Insurance plan Provides additional coverage over and above the existing health insurance policy. Comes with a deductible, which is the amount the policyholder must pay before the top-up coverage kicks in

The advantages of a Family Health Insurance Plan
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For families with parents-in-law, the Family Floater Health Insurance plan is often the most suitable option. This plan allows you to cover your entire family under a single policy, including your spouse, children, and dependent parents or parents-in-law. The primary advantages of a family floater plan are:

What benefits do I get for choosing ACKO?
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ACKO Platinum Health Plan
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A premium plan with extra benefits:

ACKO Standard Health Plan
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Balances protection affordably via:

ACKO Platinum Super Top-up
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A smart cover booster:

ACKO health plans provide many unique features that make the insurance experience seamless for customers. With a vast network of over 14,300 hospitals across India, policyholders can access cashless treatment without any hassle. Unlike most other insurers that require paperwork and lengthy claims processing, ACKO offers instant cashless settlement without any documents. In addition, ACKO has much wider coverage, giving flexibility to choose from many quality healthcare facilities.

Enhance your health insurance by exploring these unique benefits

OPD Cover

Road Ambulance Limit 

Room Rent Limit


Zero Waiting Period

How much sum assured in health insurance is needed for a family with parents in laws?
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Here are some tips to select your ideal sum insured under health insurance for parent-in-law.

Focusing on the long-term care requirements of all family members holistically helps decide on an optimum sum insured addressing present and future healthcare inflation-adjusted outlay for the multi-generation household. This offers comprehensive financial safety for medical needs.

How much do I have to pay to buy my ideal sum insured?
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The cost of your ideal sum insured will depend on several factors, such as the age of the family members, their health conditions, and the specific health insurance plan you choose. Let's consider the example of a family of six members, including ageing parents, parents-in-law, self, spouse, and two children.

For this family, a family floater plan with a sum insured of Rs. 25 lakhs from a reputable insurer may cost around Rs. 30,000 to Rs. 40,000 annually. However, the premium will depend on the insurer and the chosen plan.

Cost breakup:

It's important to note that while a higher sum insured may result in a higher premium, it can provide a larger financial cushion in case of unexpected medical emergencies. 

calculate your health insurance needs with health insurance premium calculator.

Why is it a good idea to invest in high sum insured plans?
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Investing in a higher coverage plan can be a strategic decision for long-term health and financial well-being for the following reasons:

  1. Rising medical costs: Healthcare expenses are continually increasing, and a higher sum insured ensures that you have adequate coverage to meet these costs without dipping into your savings or incurring debt.

  2. Protection for the entire family: A family floater plan with a higher sum insured provides coverage for all family members, including ageing parents and parents-in-law, who may be more susceptible to health issues.

  3. Enhanced coverage: Higher sum insured plans often come with additional benefits, such as higher room rent limits, coverage for advanced treatments, and more daycare procedures.

  4. Peace of mind: With a higher sum insured, you can know that you and your family are well-protected against financial strain caused by medical emergencies.

Factors to consider while getting Health Insurance for families with parent in-laws
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Here are the factors to consider when buying health insurance.

  1. Disclose any existing medical conditions upfront to ensure transparent premium pricing based on health status.

  2. Choose an adequate sum insured amount; it's better to go for a higher sum insured that sufficiently covers medical costs now as well as future needs.

  3. Assess if parents, spouses and children's needs are met under the plan. You may require higher coverage based on the family's medical profiles.

  4. Review options like individual, family floater or group policies from different insurers based on your household structure.

  5. Understand coverage inclusions for hospitalisation, ambulance, treatments, etc., as these may vary in plans.

  6. Check waiting periods applicable on claims for pre-existing diseases to set accurate expectations.

  7. Be aware of permanent non-medical exclusions to avoid uncertainties during claims.

A thorough evaluation of the above criteria facilitates choosing a suitable and comprehensive health insurance suitable for one's unique needs.

Which type of claim is better? Cashless or reimbursement claim?
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Let's define each and discuss their advantages, particularly in the context of network hospitals and family budgets.

Cashless Claims
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Reimbursement Claims
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What are Network Hospitals in Health Insurance?

Network hospitals are healthcare providers that have a tie-up with the insurance company. These hospitals offer cashless treatment to policyholders, which means the insurer directly settles the bill with the hospital. The list of network hospitals is provided by the insurer and can be accessed on their website or through the policy documents.

Advantages of Cashless Claims
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Following are the advantages of availing cashless claims.

  1. Financial Relief: Cashless claims are particularly beneficial for families that follow a monthly budget and may not have access to instant cash for medical emergencies. With cashless treatment, policyholders don't have to worry about arranging funds upfront, as the insurer directly settles the bill with the hospital.

  2. Immediate Medical Attention: In case of a medical emergency, getting immediate treatment is crucial. With cashless claims, policyholders can focus on getting the necessary medical attention without worrying about payment at the time of hospitalisation. This feature ensures that treatment is not delayed due to financial constraints.

  3. Convenience: Cashless claims eliminate the need for policyholders to pay out of pocket and then go through the reimbursement process. This saves time and effort, as the insurer handles the payment directly with the hospital.

  4. Reduced Paperwork: In cashless claims, the hospital and the insurer handle most of the paperwork, reducing the burden on the policyholder. This is especially helpful during stressful times when the focus should be on the patient's recovery.

While reimbursement claims offer the flexibility of seeking treatment at any hospital, cashless claims are generally more convenient and financially suitable for families. They provide immediate financial relief and ensure that medical attention is not delayed due to the lack of funds.

Why is raising claims easier with ACKO policies?
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ACKO, being a digital-first insurance company, offers several advantages that make raising claims easier and more convenient for policyholders. Here's how ACKO's approach benefits customers:

  1. Simplified Claim Process: ACKO has streamlined the claim process by leveraging technology. Policyholders can initiate a claim directly through the ACKO app or website, eliminating the need for extensive paperwork and manual submissions. The app guides users through the claim process step by step, making it simple and hassle-free.

  2. Faster Claim Settlement: With ACKO's digital infrastructure, claims are processed much faster than those of traditional insurance companies. Automation and artificial intelligence enable quicker verification and approval of claims, reducing the overall settlement time. This means policyholders receive their claim amount sooner, providing them with financial relief during medical emergencies.

  3. Paperless Documentation: ACKO's digital platform allows policyholders to submit all necessary documents online, eliminating the need for physical copies. This saves time and reduces the chances of losing important documents. Policyholders can easily upload medical bills, reports, and other required documents through the app or website.

  4. Real-time Updates: ACKO informs policyholders about the progress of their claims through real-time updates. Customers receive notifications at each stage of the claim process, from submission to settlement. This transparency ensures that policyholders are always aware of the status of their claims and can plan accordingly.

ACKO's mobile app serves as a one-stop solution for all insurance needs. Through the app, policyholders can:

In addition to the ease of raising claims, ACKO's digital-first approach also results in cost savings for customers. By operating primarily online, ACKO has lower operational costs compared to traditional insurance companies. These savings are passed on to policyholders in the form of more affordable premiums. As a result, customers can enjoy comprehensive health insurance coverage at competitive prices.

Wrapping Up
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Rising healthcare costs make health insurance crucial for Indian families to remain financially prepared. Comprehensive policies with adequate sum insured provide much-needed support in case of medical emergencies or hospitalisation needs of elderly members.

Family floater plans that allow coverage for spouses, children, and parents in one policy offer optimal value. Prudent households can protect savings despite inflation by leveraging such inclusive covers backed by reliable support like ACKO’s cashless claim servicing. 

Frequently Asked Questions (FAQs)
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Here are some common questions about Health Insurance for Families With Parent In-Laws


What are the different types of health insurance plans suitable for families with parents-in-law?

Some options include critical illness insurance, senior citizen health insurance, family floater health insurance, personal accident insurance, Mediclaim, and top-up health insurance plans.

Why is ACKO's digital-first approach beneficial for policyholders? 

ACKO's digital platform simplifies the insurance experience through features like online claim initiation, paperless documentation, real-time updates, and a user-friendly mobile app, making the overall process more convenient and efficient.

Which is the ideal plan for covering families with parents-in-law under health insurance?

The ACKO Platinum health plan can be the most suitable option for families with parents-in-law. This plan allows you to cover your entire family under a single policy, including your spouse, children, dependent parents, and parents-in-law.

Which type of claim is better? 

While reimbursement claims offer the flexibility of seeking treatment at any hospital, cashless claims are generally more convenient and financially suitable for families. They provide immediate financial relief and ensure that medical attention is not delayed due to insufficient funds.

Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.