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Parents Health and Medical Insurance Policy - Rishtey
Rishtey - Parents' Health Insurance
Gift your parents something special and unique, gift them the assurance of good health and your support – even though you are miles away. Rishtey takes care of unforseen medical emergencies faced by your parents back in India, even if you are unable to be around.
New! - Special offer - Avail complete health check-up absolutely free!
Click here to know more
Buy Rishtey Parents' health insurance policy online. Dial-A-Policy to buy your policy over the phone. Call UK- 0-808-120-3960 (toll free), US/ CANADA – 1-877-777-0363 (toll free) , Rest of the world – 91-22-66723800 (chargeable)
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Policy Details
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| Policy Coverage
Rishtey – Parents' Health insurance offers comprehensive Health Insurance Package for your loved ones. It offers the following specialised covers:
 | Hospitalization expenses including -
- Room charges
- Diagnostic test(s) expenses
- Doctor's / surgeon's fee
- Cost of medicines |
| Medical expenses incurred in the event of sudden illness or accident. |
| Covers 30 days prior and 60 days post hospitalization expenses. |
| Expenses on technologically advanced treatment which do not require hospitalization. |
Click here to view the Premium Table
Coverage limit for specific ailments / conditions:
Certain specific ailment(s) / surgery(s)/ procedure(s) are covered up to pre-defined limits under this policy (subject to the total sum insured). Click here for the details.
All others ailment(s) / surgery(s)/ procedure(s) are covered up to the sum insured under the policy.
Click here to view our Policy Exclusions.
For more details, kindly refer to the Policy Wordings.
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| Back to top | | | Key Benefits
A whole host of benefits that makes Rishtey– Parents' Health Insurance the best and the most useful gift:
| Pre-existing illnesses can be covered after the 4th year provided the policy is renewed with us for four consecutive years. |
| Reimbursement of return airfare (Rs. 20,000 for Plan 2 and Rs. 10,000 for Plan 1) of the NRI (applicant) in case he is required to visit his dependent (insured) who has been hospitalised due to specified medical emergencies -Stroke, Heart Attack (MI), Coronary Artery Bypass, Graft Surgery, Kidney Failure, End-stage Renal Failure, End-stage Liver Disease and Brain Tumour Surgery. |
| Nursing care benefit of Rs. 500 per day for a maximum of 3 days, in case the insured requires nursing care post discharge. |
| Every insured is provided a free health check-up post issuance of policy. For anyone above 55 years of age, cashless benefit will be activated as soon as the health check-up process is completed. Click here to know more. |
| Income tax benefit u/s 80 D for your income in India.* |
| Rishtey - Parents' Health Policy offers a 2-year cover for your dependents against a single premium, with automatic renewal after the first year. |
| The policy can be renewed up to the age of 75 years. |
| You can pay through your ICICI Bank & Citibank Credit Card and avail of equal monthly installments (EMI) without any extra charges. (Conditions Apply. Providing EMI facility for ICICI Bank (upto 12 months), Citibank, HDFC Bank (upto 6 months) Credit Card customers at the discretion of the Banks).
Note: EMI option subject to minimum annual premium of Rs. 1500. Click here to know more. |
Value added features
| We shall intimate you via E-mail and SMS when the Insured files a claim** |
| We will call your dependants in India to explain the policy coverage and claims process |
| Send as a Gift - Gift this policy to your loved ones along with a personalized message |
*Optimum Tax Benefit of Rs 5099/- subject to the provisions of Section 80D of the Income Tax Act, 1961 and amendments made thereafter. (assuming highest tax bracket and premium of Rs. 15,000)
**E mail is sent to the ID entered while registering on our website. SMS is sent only to Indian mobile numbers.
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| Back to top | | | Eligibility
You can gift Rishtey Parents' Health Insurance to your parents, grandparents, spouse and children:
| Minimum age of the insured should be 3 months and maximum age should be 65 years (as on last birthday). |
| Applicant can buy the policy for self, spouse, children and parents. The insured should be in India for the purpose of claim. |
| The policy can be renewed up to the age of 75 years. |
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| Back to top | | | Need for Policy
| Health care costs have been rising at more than 20 percent on an annualised basis and out of pocket spending on healthcare still continues to be around 75 percent. Source TOI |
| Protect your family back home against unforeseen medical contingencies |
| Individuals require to have an insurance that caters solely to their health needs, apart from life insurance and investments, that provides cover against expenses incurred during hospitalization, as well as before and after |
| Avail cashless hospitalisation through ICICI Lombard's network of 3500 hospitals across India |
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| Back to top | | | Why buy online
Here are some reasons why you should buy your policy on www.icicilombard.com -
| Instant Policy - Your Policy is issued instantly, on completion of your online transaction. It is emailed immediately to the Email ID provided by you.
You can also print/download the policy from your account on www.icicilombard.com using your User ID & Password. It’s a Digitally Signed valid document just like a hard copy of your policy, which you can access online.
Moreover, if you select to the “Send me the Policy through courier” option while buying the policy, it will be couriered to your correspondence address, and will reach you within 15 days. |
| No Paperwork – There is no need of any paperwork. Save time & paper- Buy Online. |
| EMI without any extra charges: You can pay online through ICICI Bank, HDFC Bank and Citibank Credit Cards through EMIs without any extra charges . (Conditions Apply) |
| Highest Levels of Security: All your details are secured with us. Click to view our security certification:
Entrust Certification |
Rishtey- Parents' Health Product Code Misc 34E
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