How to Cover your Parents with your Insurance

Getting medical treatment without insurance can be a costly affair in most countries. It can take its toll on your financial health for a fairly long period of time and can get you under the burden of a large debt before you know it.

Most people who are doing a job are able to get insurance for themselves and avoid any great expense if they have to visit a doctor or need to visit the emergency room. You may also have dependents that are covered under the insurance which is even better.

Most insurance, however, do not cover parents. If your parents are dependent upon you and are unable to afford health insurance of their own, in such a case, you can add them to your insurance. This can be done with the help of some searching and understanding the basics of how insurance works.


  • 1

    Claim Dependency

    The first thing to do is to claim that your parents are dependent on you. This will have to be done with the government and you will need to fill in certain paper work. There is certain criterion that must be fulfilled in order to establish the dependency including a maximum income from social security received by the parents as well as you being responsible for at least half of their total living expenses.

  • 2

    Contact Insurance Company

    The next thing to do is to check with your insurance company about the coverage of the dependents. Generally there will be an option for that in your existing plan. If your employer is providing you the insurance, you will probably need to contact your human resource department for this purpose. There could be a possibility that an alteration in the service plan may need to be put in place to accommodate the addition. This is generally done with not a great deal of increase in the insurance payment that you will need to make every month.

  • 3

    Enroll in Program

    If your insurance qualifies for the dependents coverage originally or after some changes made to it, you can go ahead and enrol in the program. The insurance company will require documents proving the dependency. Make sure that when you file to add them to your insurance, all the necessary documents have been added to the application. This will save you time and hassle.

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