Maa-Baap Ka Health Insurance - 65 Saal Wali Rok Hat Chuki Hai, Aur Ye Baat Bahut Ghar Me Pahunchi Hi Nahi

Maa-Baap Ke Liye Health Insurance - Poora Hisaab

Bhaiyon aur behno, ghar me sabse bada aur sabse achanak aane wala kharch maa-baap ka ilaaj hota hai. Aur is baare me do baatein badal chuki hain jo bahut ghar tak pahunchi hi nahi:

Pehli - health insurance kharidne ki "65 saal se upar nahi" wali rok 1 April 2024 se hata di gayi hai. Ab kisi bhi umr me policy li ja sakti hai.

Doosri - pehle se maujood beemari (pre-existing) ka adhiktam waiting period 4 saal se ghata kar 3 saal kar diya gaya hai.

Bahut log aaj bhi ye maan kar baithe hain ki "60 paar ke baad to policy milti hi nahi". Wo baat ab sach nahi hai.

Sabse Pehla Faisla - Alag Policy Ya Apne Floater Me

Ye faisla poora kharch badal deta hai:

Zyadatar ghar ke liye maa-baap ki alag policy behtar baithti hai - kyunki floater me premium unki umr ke hisaab se lagta hai aur wo poore parivaar par chadh jaata hai, jabki cover phir bhi bata hua rehta hai.

Apne parivaar ka floater kaise chuna jaye, wo alag page pe hai: Health Insurance Kaise Le.

Waiting Period - Yahin Sabse Zyada Dhokha Hota Hai

Ye samajh lo, warna claim ke din jhatka lagta hai:

1. Pre-existing beemari ka waiting period. Jo beemari policy lene se pehle se hai (BP, sugar, dil), uska cover turant shuru nahi hota. Adhiktam seema ab 3 saal hai, par kai policy isse kam waiting period deti hain - aur wahi asli fark hai.

2. Kuch khaas beemariyon ka alag waiting period hota hai (jaise ghutne ka operation, hernia, patthri).

3. Shuruaati kuch din ka aam waiting period, jisme sirf durghatna cover hoti hai.

Iska seedha matlab: jitni jaldi policy le lo, utna achha. Waiting period ki ghadi policy lene ke din se chalti hai - beemari aane ke din se nahi. Jo log "abhi to theek hain, baad me lenge" sochte hain, wo apne hi khilaf 3 saal ka intezaar khareed lete hain.

Wo Do Cheezein Jo Senior Policy Me Chhupi Hoti Hain

1. Co-pay. Kai senior citizen policy me shart hoti hai ki bill ka ek hissa aapko khud dena hoga - chahe claim manzoor ho jaye. Ye baat brochure me chhoti likhi hoti hai aur bill ke din badi lagti hai.

2. Sub-limit aur room rent ki seema. Agar policy me kamre ke kiraye ki seema hai aur aap usse mehnga kamra le lete ho, to sirf kamre ka nahi - poore bill ka anupaat kat jaata hai. Ye senior policy me sabse aam jhatka hai.

Policy lene se pehle sirf ye do sawaal poochho: "Co-pay kitna hai?" aur "Room rent ki koi seema hai?" In do jawaabon se aadha faisla ho jaata hai.

70 Saal Se Upar - Ek Rasta Jo Mufat Hai

Ye baat bahut ghar tak nahi pahunchi:

11 September 2024 se, 70 saal aur usse upar ke sabhi buzurg Ayushman Bharat (AB-PMJAY) ke tahat cover me aate hain - unki aay chahe jo bhi ho.

Yaani ye ab sirf gareebi rekha wali baat nahi rahi. Agar ghar me 70 se upar koi hai, to ye kaam aaj hi karwa lo - iska koi premium nahi hai.

Iska matlab ye nahi ki niji policy ki zaroorat nahi - donon saath chal sakti hain, aur niji policy ka daayra alag hota hai.

Kitna Cover Lein

Ek imaandaar baat: buzurgon ka ilaaj mehnga hota hai aur ek hi baar me bada bill banta hai.

• Bahut chhota cover lene ka faayda kam hai - ek badi bimari usko poora kha jaati hai
• Agar bada cover mehnga pad raha ho, to ek chhota base cover + uske upar top-up wala rasta sasta padta hai
• Cover har saal badhta rehna chahiye, kyunki ilaaj ka kharch badhta hai

Tax Ki Chhut

Maa-baap ke liye di gayi premium par tax me alag se raahat milti hai, aur buzurg maa-baap ke liye uski seema aam se zyada hoti hai. Poora niyam yahan hai: Section 80D Health Insurance Tax.

Ek zaroori shart: premium cash me diya gaya ho to ye chhut nahi milti - isliye bank se hi bhugtaan karo.

Form Bharte Waqt - Sabse Badi Galti

Purani beemari chhupana. Ye sabse aam wajah hai claim rad hone ki.

Log sochte hain ki BP ya sugar bataane se premium badh jayega, isliye chhupa lete hain. Par claim ke waqt aspatal ka record saamne aata hai, aur poora claim rad ho jaata hai - premium ke saal bhi bekaar chale jaate hain.

Sahi tarika: sab kuch likhwao. Beemari batane par policy thodi mehngi ho sakti hai, par wo chalegi - aur yahi asli maksad hai.

Scam Se Bacho

"Buzurgon ke liye khaas policy, bina jaanch ke" - shartein padhe bina kuch mat lo.

"Cash de do, policy ghar aa jayegi" - premium hamesha company ke khaate me jaata hai. Aur cash me diya premium tax chhut bhi nahi deta.

"Purani beemari mat likhwana, hum manage kar lenge" - jo agent ye kahe, wahi aapka sabse bada nuksaan kar raha hai.

Policy lene ke baad: company ke portal par apna policy number daal kar khud jaancho.

Thagi ho jaye to cybercrime.gov.in | 1930

FAQs

Q: Kya 65 saal se upar health insurance mil sakta hai? A: Haan. 1 April 2024 se kharidne ki 65 saal wali upar ki umr seema hata di gayi hai - ab kisi bhi umr me policy li ja sakti hai.

Q: Pre-existing beemari ka waiting period kitna hai? A: Adhiktam 3 saal (pehle 4 tha). Kai policy isse kam bhi deti hain - wahi tulna karne wali cheez hai.

Q: Maa-baap ko apne floater me joden ya alag policy len? A: Zyadatar halat me alag policy behtar - floater me premium unki umr se lagta hai aur cover sabme bata hua rehta hai.

Q: Co-pay kya hota hai? A: Bill ka wo hissa jo claim manzoor hone par bhi aapko khud dena hota hai. Senior policy me ye aam hai - lene se pehle poochho.

Q: Room rent ki seema se kya farak padta hai? A: Seema se mehnga kamra lene par sirf kamre ka nahi, poore bill ka anupaat kat jaata hai.

Q: 70 saal se upar walon ke liye kya hai? A: 11 September 2024 se AB-PMJAY me 70 aur usse upar ke sabhi buzurg cover me aate hain, aay chahe jo bhi ho.

Q: Purani beemari batani chahiye? A: Haan, zaroor. Chhupane par claim rad ho jaata hai - batane par policy mehngi ho sakti hai par chalegi.

Q: Premium par tax chhut milti hai? A: Haan, aur buzurg maa-baap ke liye seema aam se zyada hoti hai - par cash me diya premium chhut ke liye nahi ginta.

Ye Bhi Zaroor Padhein

• Health Insurance Kaise Le - apne parivaar ka floater
• Section 80D Health Insurance Tax - premium par chhut
• Insurance Claim Reject Kyun Hota Hai - claim ke din ki galtiyan
• Term Insurance Kya Hai - jeevan bima ka sahi roop
• Senior Citizen Savings Scheme - buzurgon ki bachat
• ITR For Pensioners - pension aur tax

Source: is page me kisi bima company ka naam, premium, co-pay ka pratishat ya cover ki raqam jaan-boojh kar nahi di gayi - ye har company aur policy me alag hoti hai. Yahan jo niyam bataye gaye hain wo bima niyamak ke apne pravdhanon par aadharit hain: 1 April 2024 se swasthya bima kharidne ki adhiktam pravesh aayu (65 varsh) ki seema hata di gayi hai, jisse buzurg kisi bhi umr me policy le sakte hain; pehle se maujood beemariyon (pre-existing diseases) ke liye adhiktam prateeksha avadhi 4 varsh se ghata kar 3 varsh kar di gayi hai; aur 11 September 2024 se Ayushman Bharat (AB-PMJAY) ke antargat 70 varsh evam usse adhik aayu ke sabhi nagrik, unki aay se nirpeksh, cover me shaamil hain. Co-pay, room rent ki upseema aur vishisht beemariyon ki alag prateeksha avadhi har policy ke apne niyam hain. Apni policy ki shartein, prateeksha avadhi aur co-pay hamesha usi policy dastavez (prospectus evam policy wording) se hi pakke karein.

Bhaiyon aur behno, ek baat sabse zaroori hai. Waiting period ki ghadi us din se chalti hai jis din aap policy lete ho - us din se nahi jis din beemari aati hai. Ghar me sabse aam baat ye hoti hai ki "abhi to maa-papa theek hain, baad me dekhenge". Aur wo "baad me" aksar us din aata hai jab aspatal me bhagna pad raha ho - aur tab policy koi kaam nahi aati, kyunki uska waiting period hi shuru nahi hua tha. Jo kaam aaj ho sakta hai, uski keemat kal bahut zyada ho jaati hai.

Page Last Updated: 10 August 2026