India, Dec. 10 -- Finding yourself the right parents health insurance is one of the most essential financial decisions for thousands of families. Premium rates vary widely, and add-ons can either enhance value or inflate costs.

Many buyers also see maternity insurance on product brochures and feel confused about its relevance when they are evaluating cover for older parents. This guide explains how premiums work, which add-ons matter, how to avoid hidden costs, and how to align benefits with real medical needs in India.

Premiums for parents health insurance are driven by risk, cost of healthcare and the specific benefits you choose.

- Age and health profile: Higher age increases risk and premium. Pre-existing diseases such as diabetes,...