Getting health insurance for your parents is one of the best financial decisions you’ll ever make. But let’s be honest — insuring senior citizens can feel stressful.
Will they pass the medical tests? Are premiums affordable? What if your mom has diabetes or your dad has blood pressure issues?
Thankfully, in 2025, many health insurers in India are offering policies for parents without a pre-policy medical test
In this guide, you’ll learn:
- Which insurers offer no-medical-test health insurance
- Coverage amounts, waiting periods & key features
- How to choose the right policy with confidence
Let’s make this decision stress-free
Why Choose Health Insurance Without a Medical Test?
Many elderly people have:
- Undiagnosed conditions or minor issues
- Fear of hospitals, checkups, or test results
- Low eligibility after age 60+
These policies offer:
- Quick approval
- No checkups or blood tests at application
- Instant digital onboarding
But note: Some plans have waiting periods before full coverage begins.
Best Health Insurance Policies Without Medical Test (India 2025)
Here are the top affordable and reliable plans for parents above age 50–60** that usually don’t require medical tests during application in 2025:
1. Star Health – Senior Citizens Red Carpet Plan
- Entry age: 60 – 75 years
- No pre-acceptance medical screening
- Covers pre-existing diseases after 12–24 months
- Free annual health checkup
Premium: Approx ₹12,000 to ₹18,000/year for ₹5L cover
Waiting Period: 12 to 24 months for some conditions
2. Care Health – Care Freedom Plan
- Covers diabetes, hypertension, asthma
- No medical test up to age 70
- Installment payment option
- Co-pay of 20% on claims is mandatory
Premium: ₹13,000–₹20,000 for ₹3–5 lakh sum insured
Waiting Period: 2 years for pre-existing diseases
3. Niva Bupa – ReAssure 2.0
- No medical test up to 65 years (if no major health concerns)
- Lifelong renewability
- High cumulative bonus (100% per claim-free year)
- Pre-policy screening only asked if health history is flagged
Premium: ₹9,500–₹14,000 per year for ₹5L coverage
Waiting: 2 to 3 years for pre-existing issues
4. Digit Health Care Plus
- 100% digital process — no test for people below 65
- Covers COVID, day-care, ambulance
- Minimal documentation
Premium: Around ₹6,000 – ₹12,000 per year
Waiting Period: 2 years for pre-existing diseases
5. Tata AIG MediCare
- No medical test under age 60
- Easy cashless hospitals network
- Multiplier benefit: Cover increases after claim-free years
Premium: From ₹8,500/year
Waiting period: 2 years for PEDs
Common Inclusions in Parent Insurance Policies
Coverage Area | Included in Most Plans |
Hospitalization | 100% for covered stay |
Daycare Procedures | Included (dental, chemo, dialysis etc.) |
Ambulance Charges | Usually covered up to ₹2,000–5,000 |
Health Check-ups | Annual, post-1 year of renewals |
Pre and Post Hospital | 30–60 days before & after discharge |
Should You Buy with or Without a Medical Test?
Scenario | Best Option |
Parents healthy, below 60 | Go for plans without tests |
Parents have diabetes/BP | Choose flexible plan with coverage for these issues (e.g. Care Freedom) |
Age 65+ with unknown diagnosis | Avoid tests, disclose basic health honestly |
Already had surgery/history | Contact insurer before applying |
Pro Tip: Never hide health conditions – claims may get rejected later.
Documents Needed to Apply (No Test Plans)
- Aadhaar & PAN
- Age & address proof (passport/driving license)
- Past treatment summary or health declaration (if asked)
- Income proof (rarely needed)
Final Tips Before You Buy
- Always compare premiums vs actual benefits
- Choose a plan with good hospital network in your city
- Call insurer helpline once to confirm test-waiver freedom
- Renew early to avoid re-assessment as they age
Your goal should be:
Quick approval + adequate coverage + flexible waiting period
Final Thoughts
We spend lakhs on hospital bills — but hesitate to spend ₹10–12k/year on coverage for our parents.
In 2025, many trusted insurers are offering no-medical-test policies with good cover and fast approvals.
- Act early
- Disclose truthfully
- Choose smartly
Your parents gave you health. It’s time you gift them healthcare security
Frequently Asked Questions (FAQ)
1. Which is the best health insurance company in India offering plans without a medical test for parents in 2025?
In 2025, Star Health, Niva Bupa, and Care Health (formerly Religare) lead the health insurance sector with specialized no-medical-test plans for senior citizens. According to IRDAI’s March 2025 report, Star Health had a claim settlement ratio (CSR) of 91.6%, making it one of the most reliable providers. Their “Red Carpet” plan, designed for elderly parents, does not require pre-policy medical check-ups up to age 75.
2. Is it possible to get health insurance for parents above age 60 without a medical test?
Yes, several Indian insurers offer plans up to age 75 without needing medical tests. Policies like Care Freedom, Niva Bupa’s Senior First, and New India Assurance’s Senior Citizen Mediclaim offer no-test entry between ages 60 and 75. However, these usually come with a short waiting period (1–2 years) for pre-existing diseases. This makes them ideal for immediate yet affordable parent coverage.
3. Are there any government health insurance schemes for parents without medical tests in 2025?
Yes, under the Ayushman Bharat – PM-JAY scheme, families listed in SECC 2011 data can avail ₹5 lakh per family annually without undergoing any medical testing. As per the NHA (National Health Authority) 2025 update, 7 crore families benefited without any form of pre-enrollment testing. For middle-class or ineligible families, schemes like CGHS and ESIC may not require routine testing either, based on contribution history or service background.
4. What are the disadvantages of buying a no-medical-test plan for parents?
While these plans are convenient, they often involve:
- Higher premiums compared to test-based plans
- Lower sum insured amounts
- Co-payment clauses (typically 20%–50%)
- Automatic exclusion of several pre-existing conditions initially
According to IRDAI’s consumer feedback 2024 review, over 28% of grievances in senior citizen policies stem from unawareness about co-payment and sub-limits in no-test plans. Always read the policy brochure before purchase.
5. Which is better: medical test-based or no-test health insurance for elderly parents in India?
If your parents are fit, medical-test-based policies often come with better benefits and wider sum insured. However, if you’re concerned about time, costs, or logistics, no-test plans offer faster issuance. A mixed approach—taking a base no-test plan now, and adding a top-up/super top-up later based on health—might be the best of both worlds.
As per PwC India’s 2024 healthtech report, digital policy issuance without tests has grown 39% YoY due to ease of access.
6. Can I buy health insurance without a medical test online in 2025?
Yes, 2025 sees near-complete online integration. All major insurers like Star Health, Niva Bupa, HDFC Ergo, Care, Aditya Birla, and Tata AIG offer no-test plans online with instant approval after KYC and basic declarations. The IRDAI’s April 2025 circular encourages insurers to integrate AI-driven underwriting to allow online no-test issuance, especially for low-risk seniors up to 65 years.
7. Does a health insurance policy without a medical test cover pre-existing diseases?
Most policies do—but with conditions. For example:
- Star Red Carpet: Covers pre-existing illness after 12 months
- Care Freedom: Diabetes & BP are covered after 2 years
- PSU insurers: Often exclude chronic/terminal illnesses without long waiting periods
Always compare waiting period, sub-limit caps, and disease-wise exclusions before purchase. Government-provided PMJAY coverage offers automatic PE condition eligibility for those who qualify.
8. How much premium should I expect to pay for parents’ insurance without a medical test in 2025?
Premiums depend on age, sum insured, and location. Expected range for individual parent coverage in 2025:
Age Group | Sum Insured (₹) | Yearly Premium (₹) |
50–59 | 5–10 Lakhs | ₹8,500 – ₹12,000 |
60–69 | 5–15 Lakhs | ₹10,500 – ₹21,000 |
70–75 | 2–5 Lakhs | ₹12,000 – ₹24,000 |
These are averages from insurers listed on IRDAI-licensed aggregator platforms as of June 2025.
9. What documents are required to buy a no-test insurance plan for parents?
Usually, you’ll only need:
- ID proof (Aadhaar, PAN)
- Age proof (Passport or Aadhaar)
- Past medical declarations
- Payment mode (Bank mandate, UPI, or card)
No reports or pathology papers are needed unless there’s a specific disclosure (e.g. past surgery/hospitalization).
10. Will premiums increase if we claim once under a no-test plan?
Not directly, but premiums might go up at renewal time or if you change insurers. IRDAI rules prevent loading (extra cost) in the same policy year just for making a claim. However, future underwriting or optional rider additions could reflect higher prices due to claim history.
Always opt for auto-renewal to avoid claim-related increases.
Click here to more information: Best Term Insurance Plans With Lump Sum Payout in India (2025) – No Monthly Income Option
