Insurance Assistance for Elderly Parents
Insurance assistance means Pranyaas handles your parents’ health insurance for them. We read the policies they already hold, show you what is covered and what is not, arrange cover from verified providers where there is a gap, track renewals so nothing lapses, and run the cashless desk and the claim when they are admitted. Available in Mumbai, Pune and Navi Mumbai.
Review their insurance
Tell us where your parents live and we will call you back at a time that suits your time zone.
Why insurance support matters
Most families find out what their parents’ policy actually covers on the worst possible day, standing at a hospital admission desk. That is when the room rent limit, the waiting period or the lapsed renewal turns into a bill nobody planned for.
Insurance for seniors is also unusually easy to get wrong. Policies are written in language your parents will not read, premiums rise sharply with age, renewal dates slip past, and a policy that lapses at 75 is very hard to replace. None of this is difficult to manage. It just needs someone to actually do it.
That is what this service is. Your Care Manager holds the policies, knows what they cover, keeps them alive, and is physically at the insurance desk when a claim has to be made.
What this changes for your family
You know what is covered before you need it, not afterRenewal dates are tracked, so a policy never lapses quietlySomeone is at the hospital insurance desk in personClaim papers are collected while you are still abroadEvery policy document sits in one place you can reachWhat is included
Five parts, handled end to end by your Care Manager, from the policy document to the settled claim.
Reading the policies they already hold
Most families have cover already. Very few know what is actually in it. This is where we start.
Closing the gaps in their cover
Once you can see what is missing, you can decide properly rather than guess.
Renewals tracked so nothing lapses
The single most expensive mistake in senior insurance is a renewal that quietly passes.
The cashless desk at admission
The part that decides whether your family pays out of pocket while an approval is pending.
The claim after discharge
A claim is paperwork, deadlines and follow up. All three are easier from the same city.
Managing it yourself from abroad vs with Pranyaas
Nothing here is impossible to do yourself. It is just that every step needs someone in the same city, in office hours, with the original papers in hand.
| WITH PRANYAAS | MANAGING IT YOURSELF | |
|---|---|---|
| Knowing what is covered | Every policy read and summarised in plain language | A document nobody has opened since it was bought |
| Renewals | Tracked, reminded and paid on time | Remembered, usually, until the year one is missed |
| At admission | A Care Manager at the insurance desk with the papers | Phone calls to a hospital desk from another time zone |
| Pre authorisation | Submitted and chased in person | Waiting, while the hospital asks for a deposit |
| Collecting claim papers | Gathered before discharge, while it is still easy | Requested by email weeks later, often incomplete |
| A rejected claim | Taken up with the insurer and followed through | Usually abandoned, because nobody has the time |
If your parents’ existing cover is already good, we will tell you that and leave it alone. The point of this service is that the policy works when it is needed, not that there are more policies.
Who handles your parents’ insurance
Insurance involves their medical history and their money, so it matters who is holding both.
Your Care Manager
A direct Pranyaas employee, never outsourced to an agency. Background verified, medically assessed and character checked. The same person who holds their medical records is the one who handles the policy and the claim.
Meet the teamTrusted and verified providers
Where new cover is needed, options are drawn from trusted and verified insurance providers rather than a single company, and the comparison is shown to you before anything is bought.
Hospital partners
Cashless admissions are supported through our partner network, including Ayushya Healthcare, Apex Multispeciality Hospitals and KLS Memorial Hospital, alongside your parents’ own preferred hospital.
The people behind it
Pranyaas is led by co founders Smita Jadhav, who has over 12 years in the healthcare sector, and Shweta Jadhav. The company has over 10 years in elder care and has supported more than 3,000 families.
Read our storyHow it works
Setup can be done entirely remotely. A Care Manager is assigned with the first home visit within 48 hours of subscribing.
We collect and read the policies
Your Care Manager gathers every policy your parents hold, reads them, and sends you a plain language summary of what is covered, what is not, and what the limits are.
We close the gaps and calendar the renewals
Where cover is missing, options from verified providers are compared and shown to you. Every renewal date goes on the calendar and the documents go into the digital health locker.
We act at admission and after discharge
When your parents are admitted, the Care Manager handles pre authorisation and the cashless desk in person, then collects the papers and files the claim through to settlement.
Why choose Pranyaas
Plenty of services will tell you to buy insurance. Very few will read the policy your parents already have, keep it alive, and stand at the hospital desk with it.
We read the policy, not just sell one
The work starts with the cover your parents already hold. Most families are better protected than they think, or worse protected in one specific way that matters.
Renewals never slip
Every renewal date is tracked and paid on time. A lapsed senior policy is extremely hard to replace, so this is treated as a deadline, not a reminder.
Someone is at the desk in person
Pre authorisation and the cashless approval are handled by a Care Manager standing at the hospital, not by a family member on a phone call from abroad.
Medical records and policy in one place
The same team holds their prescriptions, reports and policy documents, so a claim is never delayed waiting for a paper nobody can find.
Claims are followed to settlement
A query from the insurer is answered, and a rejected or partly paid claim is taken up rather than quietly written off.
We will tell you if the cover is fine
If what your parents already hold is adequate, we say so. You are paying us to manage the risk, not to add policies.
Which plans include this
Policy documents are stored in the digital health locker from Care Connect at Rs 199 a month. Full insurance assistance, with policy review, renewal tracking, the cashless desk and claim handling, is included from the Essential plan at Rs 3,500 a month. Every plan is billed monthly with no lock in.
Care Connect
Rs 199 / monthPolicy documents in the digital health lockerEssential
Rs 3,500 / monthFull insurance assistance and claim handlingStandard
Rs 7,999 / monthFull insurance assistance and claim handlingPremium
Rs 14,999 / monthFull insurance assistance and claim handlingThe plan fee covers your Care Manager and all the coordination. Insurance premiums are paid directly to the insurer, never to Pranyaas, and hospital bills are billed at actual cost with receipts shared with you.
Compare all plansWhat families say
I am highly delighted with Ayushya Healthcare and Pranyaas elder care services. Excellent support 24/7, a qualified and experienced team, and staff whose behaviour is really impressive.
Every morning and evening the Pranyaas Care Manager calls me, asking what they can do for me and whether I have any work that needs to be done.
Families in Mumbai, Pune and Navi Mumbai, with children in the US, the UK, Canada, Singapore and across India.
Read more family storiesFrequently asked questions
Ask us anything before you subscribe. The consultation is free and takes about ten minutes.
Call us 24/7What is insurance assistance for elderly parents?
It is the complete handling of your parents’ health insurance by their Care Manager. That means reading the policies they already hold and explaining them in plain language, comparing options from verified providers where cover is missing, tracking every renewal so nothing lapses, handling pre authorisation and the cashless desk at admission, and filing the claim through to settlement after discharge.
Do you sell insurance policies?
Our role is to help you choose and then to manage what your parents hold. Where new cover is needed we compare options from trusted and verified providers and show you the comparison before anything is bought. The premium is paid directly to the insurer, never to Pranyaas.
My parents already have a policy. Is this still useful?
That is where most of the value is. Families usually hold cover they have never read. We summarise what is actually covered, flag the room rent limits, co pay clauses, waiting periods and exclusions that cause problems at admission, make sure the renewal is never missed, and then handle the claim when it is needed.
Can you get new health insurance for a parent over 70?
Sometimes. Senior citizen health plans exist, but options narrow with age and pre existing conditions, waiting periods apply, and premiums are higher. We will tell you honestly what is realistically available for your parents rather than promise cover that does not exist, and in some cases the better answer is a top up on an existing policy.
What happens at the hospital in an emergency admission?
Your Care Manager reaches the hospital with the policy details and the medical file, prepares and submits the pre authorisation, and handles the insurance desk in person so the cashless approval moves. Where the approval is delayed or the policy does not cover the situation, emergency fund assistance can cover the immediate payment so treatment is not held up.
What if a claim is rejected or only partly paid?
We take it up. The reason for the rejection is obtained, the missing document or clarification is supplied, and the claim is resubmitted or appealed. The most common cause is paperwork that went in incomplete, which is exactly what collecting the documents before discharge is meant to prevent.
Is the insurance premium included in the monthly plan fee?
No. The plan fee covers your Care Manager and all the coordination work described on this page. Premiums are paid directly to the insurer, and hospital bills and treatment costs are billed at actual cost with receipts shared with you.
Can I manage this from abroad, and which cities do you cover?
Yes. Setup is done remotely in about ten minutes, and policy summaries, renewal reminders and claim updates all come to you wherever you are. Our teams work on the ground in Mumbai, Pune and Navi Mumbai, which is where the hospital and insurance desk work happens in person.
Related services
Emergency care assistance
A 24/7 desk and a Care Manager at the hospital within the hour.
View this serviceEmergency fund assistance
A reserve so a hospital deposit is never waiting on a transfer from abroad.
View this servicePayment and expense management
Bills, premiums and household payments handled and accounted for.
View this serviceAvailable where our teams work on the ground: Mumbai, Pune and Navi Mumbai. Living abroad? See elder care for NRI families.
Let us review your parents’ insurance
Send us what they currently hold and we will tell you what is covered, what is missing and what is worth changing. No lock in, and a Care Manager is assigned with the first home visit within 48 hours.
Free consultation, about ten minutes, no obligation.
Certified caregivers and dedicated Care Managers who look after your parents at home in India, while you are away.