Health Insurance for Mother’s Day 2025
Safe future for your mother
Factors to consider
Best health plans for mother
Simran has over 4 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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Anchita has over 6 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Updated on Jun 16, 2025 7 min read
May is the month when we celebrate our mothers. Every first Sunday in May, we celebrate Mother’s Day. It is a day bathed in the warmth of our gratitude, a day where flowers bloom in her honour, and heartfelt cards whisper the depth of our love. But as we shower her with tokens of appreciation, let us also consider a gift that truly speaks volumes - a gift that wraps her in a blanket of security and whispers, "Your well-being matters above all else."
This Mother’s Day 2025, let’s talk about the profound love embodied in health insurance for our mothers.
Why Gifting Health Insurance to Your Mother?
Think about it. A mother’s love is a constant, an unwavering force that nurtures, heals, and protects us from the moment we take our first breath. She’s the first responder to our scraped knees, the soothing voice during sleepless nights, the unwavering champion of our dreams. Her heart beats in rhythm with our joys and sorrows, her strength becomes our shield.
Shows your love through the shield of health insurance
But who shields her? Who ensures that the tireless caregiver, the selfless nurturer, receives the same unwavering care she so readily gives? This is where health insurance steps in, not as a mere policy, but as a tangible expression of our love and concern.
Mental peace
Imagine the peace of mind that washes over you knowing that your mother has access to the best possible medical care without the shadow of financial worry looming large. Picture her being able to prioritise her health, attend regular check-ups, and receive timely treatment, all because you took that extra step, that thoughtful initiative of gifting her a curated women health insurance plan.
Safe future
Health insurance isn’t just about covering hospital bills; it’s about safeguarding her future, ensuring her vitality, and allowing her to continue showering her love upon us for years to come. It’s about saying, "Mom, your health is precious, and we are here to support you every step of the way."
Token of care
This Mother’s Day, as you hold her hand and tell her how much she means to you, consider the profound impact of gifting her the security of good health. It’s a gift that speaks not just of a single day of celebration, but of a lifetime of care and unwavering devotion. It’s a testament to the fact that her well-being is not just important, it’s non-negotiable.
Let the flowers bloom, let the cards express your deepest feelings, but let the gift of health insurance be the silent promise that echoes in her heart - a promise of protection, a promise of care, a promise of enduring love. Let’s give our mothers the gift of a healthy and secure future, a gift that truly comes from the heart.
Factors to Consider Before Buying a Health Insurance Plan for Mothers
A suitable health insurance truly is a gift of security and peace of mind for you and your mother. Here are some crucial factors to consider to ensure you choose the best plan for her specific needs:
Her Age and Health Condition
- Age: As we age, the likelihood of health issues increases, and so might the premium. Look for plans specifically designed for senior citizens if your mother is in that age bracket (typically 60 years and above). These plans specifically cater to age-related ailments.
- Pre-existing Conditions: This is a critical factor. Does your mother have any existing illnesses like diabetes, hypertension, arthritis, or heart conditions? If yes, keep in mind a few things before investing in the best health insurance plan for mothers.
- Waiting Period: Most policies have a waiting period before they cover pre-existing conditions. This can range from 1 to 4 years. Look for plans with a shorter waiting period, even if the premium is slightly higher.
- Specific Coverage: Ensure the plan covers the specific health conditions your mother has. Some plans might exclude certain pre-existing illnesses.
- Current Health Status: Even without pre-existing conditions, consider her overall health. Does she require frequent check-ups or have a higher risk for certain ailments? Go for health insurance plans that offer additional benefits like coverage for regular health checkups, etc.
Coverage and Benefits
- Sum Insured: This is the maximum amount the insurance company will pay for medical expenses during a policy year. Choose a sum insured that adequately covers potential hospitalization costs, considering rising healthcare expenses.
- Hospitalisation Coverage: Ensure the plan covers in-patient hospitalisation expenses, including room rent, nursing fees, doctor’s consultation fees, ICU charges, and cost of medicines and tests.
- Pre and Post-hospitalisation Expenses: Look for plans that cover medical expenses incurred before (e.g., consultations, tests) and after hospitalisation (e.g., follow-up visits, medication) for a specific period.
- Day Care Procedures: Many modern treatments don’t require 24-hour hospitalization. Check if the plan covers the costs of such day care procedures.
- Outpatient Department (OPD) Coverage: If your mother requires frequent visits to doctors or diagnostic tests that don’t lead to hospitalisation, consider a plan with OPD coverage, although this often comes as an add-on or in more comprehensive plans.
- AYUSH Treatment: If your mother prefers alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy, check if the plan covers AYUSH.
- Critical Illness Coverage: Consider a rider or a separate critical illness plan that provides a lump sum amount upon diagnosis of specified critical illnesses like cancer, heart attack, or stroke. This can help with treatment costs and loss of income.
Network Hospitals
- Cashless Treatment: Check the list of network hospitals associated with the insurance company, especially those located conveniently near your mother’s residence. Cashless treatment at network hospitals can significantly ease the financial burden during hospitalisation.
Costs and Affordability
- Premium: Compare premiums from different insurance providers for the coverage you need. While a lower premium might seem attractive, ensure it doesn’t compromise on essential benefits.
- Co-payment: Some policies have a co-payment clause, where the insured has to pay a certain percentage of the claim amount. Opt for plans with minimal or no co-payment, especially for senior citizens.
- Deductibles: A deductible is the amount you have to pay out of pocket before the insurance coverage kicks in. Lower deductibles usually mean higher premiums.
Best Health Insurance Plans for Mothers
| Maternity Health Plans | Entry Age for Maternity Cover (min-max) | Sum Insured | Minimum Waiting Period |
| Niva Bupa Aspire | 18 years - NA | 3 L - 1 Cr | 9 months - 2 years |
| Care Joy | 18 - 45 years | 3 L -5 L | 9 months - 3 years |
| Star Women Care | 18 - 35 years | 5 L - 1 Cr | 1 - 2 year/s |
| Star Assure | 18 - 45 years | 5 L - 2 Cr | 2 years |
| Aditya Birla Activ Fit | 18 - 45 years | 5 L - 1 Cr | 3 years |
| Future Generali PowHER | 18-65 years | 5 L - 2 Cr | 2 years |
Check out more maternity health insurance plans.
Conclusion
This Mother’s Day 2025, as you reflect on the immeasurable love and sacrifices your mother has made, consider a gift that truly honours her well-being and secures her future. Investing in a comprehensive health insurance plan isn’t just a financial transaction; it’s a profound expression of your love, a tangible shield of protection, and a source of immense peace of mind for both her and you.
By carefully considering her unique needs and the factors outlined, you can choose a plan that will provide her with the care she deserves, allowing her to continue radiating her love and light for many more years to come. Every Mother’s Day, let your gift be a testament to your enduring care - the gift of a healthy and secure tomorrow.
Visit PolicyX.com to learn more about health plans for mothers.
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Health Insurance for Mother’s Day 2025: FAQs
1. Is it necessary to buy a separate health insurance plan for my mother if she is already covered under a family floater plan?
While a family floater plan covers all family members under a single sum insured, it might not be sufficient for your mother, especially if she is a senior citizen or has specific health needs. As we age, the likelihood of requiring medical attention increases, and the shared sum insured might get depleted quickly, leaving other family members with inadequate coverage. A separate plan for your mother ensures she has dedicated coverage tailored to her age and health conditions.
2. What is the ideal sum insured I should consider for my mother’s health insurance plan?
The ideal sum insured depends on several factors, including her age, pre-existing conditions, the city she resides in (as healthcare costs vary), and potential future medical needs. Considering the rising costs of healthcare, especially for senior citizens, a sum insured ranging from ₹5 lakhs to ₹1 crore might be appropriate.
3. Can I avail of tax benefits on the premium paid for my mother’s health insurance?
Yes, premiums paid for health insurance for your parents (including your mother) are eligible for tax deductions under Section 80D of the Income Tax Act. The maximum deduction limit depends on their age. For parents below 60 years, the limit is ₹25,000, and for parents above 60 years, it can go up to ₹50,000.
4. What if my mother is already a senior citizen? Are there specific health insurance plans for seniors?
Yes, insurance companies offer health insurance plans specifically designed for senior citizens. These plans often cater to age-related ailments and may have features like lower entry ages, coverage for specific geriatric conditions, and sometimes even home healthcare benefits. However, premiums for senior citizen plans might be higher.
5. Can I gift a health insurance policy to my mother as a surprise on Mother’s Day?
While the intention is lovely, it’s essential to involve your mother in the process, especially regarding her health history and preferences. Accurate information about pre-existing conditions is crucial for the policy. You can still present the finalized policy as a thoughtful gift on Mother’s Day after discussing it with her and completing all necessary formalities.
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Written By: Simran Saxena
Simran has over 4 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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