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When an employee joins a company, they are offered many extra benefits for serving the company, group insurance being one of them. Group insurance is a type of insurance policy that covers a group of people under the same health insurance policy. No matter their age, gender, etc., all group members of such a plan receive similar insurance coverage.

Generally, the employee's spouse and two children are covered under group health insurance. However, in India, family refers to more than just children and your spouse. However, the plan can sometimes be extended to include parents as well and can therefore serve as health insurance for parents. If you are wondering whether you should add your parents to your employer’s insurance, you must first explore the pros and cons of doing so. Let us see them both in detail.

Pros of including parents in employer’s insurance:

The following are some pros of including your parents in your employer’s group health insurance plan. However, keep in mind that there may be certain variations in different plans, make sure you confirm the coverage from your insurer:

• Affordable coverage for your parents
As most senior citizens requires extra medical care, buying health insurance plans for parents is costlier than regular plans. However, you are not burdened with hefty premiums with a group health insurance plan.

• No pre-medical exam is required.
A group health insurance plan, generally, does not require pre-policy medical check-ups if the members enjoy good overall health. This means that to be covered by the employer's health insurance plan, you and your dependents, including your parents, would not need any health check-ups.

• No waiting period
The group medical insurance plan covers employees and their dependents, including their parents, starting on the first day of employment. One of the most significant advantages of adding parents to the employer’s insurance is that there is no concept of a waiting period. Unlike regular health insurance plans, the 2 to 4-year waiting period mainly, does not apply.

• Simple claim settlement
Instead of going to your health insurance company, you must go to your employer and provide them with all the necessary bills and documents. Your employer ensures all of your claim dues are paid on time. Your insurance claim will be easier to submit as a result.

• Pre-existing disease coverage
Your parents are eligible to receive treatment under the group health insurance for parents. The no waiting period advantage also applies to pre-existing conditions. Even though your parents could have any pre-existing conditions, such as diabetes or a heart problem, they may be covered right away. Your parents are eligible to receive treatment under the group health insurance for parents.

Cons of including parents in employer’s insurance

Although the group insurance plan provides many benefits, it also has specific cons that you need to be cautious about.

• Coverage may be limited.
Most group plans would offer you coverage only up to a specific sum insured, which may need to be increased for treating your parents. Considering the increasing medical inflation, your out-of-pocket expenses may be considerable if the coverage is inadequate.

• Policy termination due to job change
You become qualified for a group insurance plan when you join a company. However, similarly, when you resign from the company, the group insurance policy coverage can also go away. Thus, when you have no job, you have no coverage.

• The employer decides the coverage.
A company provides its employees and dependents with a group medical insurance plan. Thus, the employer has the final say throughout the coverage tenure. The employer has the option of terminating the plan or reducing the benefits at any time. They can also remove the benefit of your parents from the coverage or limit it to a few members.

• Co-Payment and Capping
Almost all health insurance plans come with certain sub-limits and caps. When using the employer's insurance to get health insurance for parents, make sure you are aware of the permissible room rent, co-payment clauses etc., as you will have to pay the uncovered expenses.


Including your parents in your employer’s health insurance plan offers various advantages and disadvantages. Whether you choose to move forward with the advantages or rely on the disadvantages is entirely up to you!

1) https://www.etmoney.com/blog/corporate-health-insurance-should-you-rely-on-it/
2) https://economictimes.indiatimes.com/wealth/insure/health-insurance/advantages-and-disadvantages-of-buying-a-group-health-insurance-policy/articleshow/69278359.cms

Disclaimer: The content provided is for education and informational purpose only, none of the information contained in our blog amounts to any form of opinion or advice. Please go through policy related documents carefully or consult an expert before making any insurance-related decisions.


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