Can I add a Parent to my Health Insurance?: You can extend your insurance coverage to your family

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The family is the most valuable treasure we have, that is why we always try to take care of it and ensure its well-being. To contribute to this objective, health insurance is an excellent option, as it allows us to guarantee adequate care for our families in the event of illness and accidents. In addition, they allow us to enjoy this care without great economic pressure on the family since generally only a small copay must be covered.

All health insurance offers you the possibility of extending your coverage, for an additional payment, to your spouse or concubine, and to your children until they are of legal age. In the latter case, the coverage can be extended up to 25 years (varies according to the insurer) if they are studying. And if your children are unable to work due to illness or accident when they reach the age of majority, the insurance will cover them for as long as necessary while the disability exists and your insurance is valid.

To include your family members in your insurance, you must present the updated identity document of each member you wish to include in your insurance, in addition to the forms requested by the company, a simple copy of the Marriage Certificate or Recognition of Union of Done (in the case of concubines) and a copy of the Medical Disability Report in case you have children of legal age in this situation.

The coverages that your family will access are the same ones that you access. Remember that in the case of public health insurance (Police Forces, and Armed Forces) the coverage is total, while in private insurance it is restricted to what is stipulated in the policy you contract. Therefore, it is important that you review it in detail and know its terms and conditions.

Every parent wants everything that is best for their child, security, and support in the important projects of life, whatever they may be: studies, marriage or starting a business on their own.

Child-saving insurance from is the first and most important step in fulfilling these dreams. The product we offer allows you to save money to provide your child with the necessary financial support for a start in life and offers guaranteed financial protection in case he will no longer be able to enjoy your support.

Why save life insurance for children?

  • The security of financial support when your child will have to decide alone
  • The possibility of planning a secure future for your child

What benefits do you get?

  • You can choose between two options:
    • Standard option  – the insurance can be concluded by one of the parents
    • Premium option  – the insurance can be concluded by both parents
    • If you choose the Premium Option, your child will enjoy the protection of both parents and will receive the amount of money at the end of the contract, in case, following an unfortunate event, one of you will no longer be with them.
  • Complete protection by the possibility of attaching the following additional insurances:
    • hospitalization of the child as a result of an accident;
    • surgeries suffered by the child as a result of an accident;
    • exemption from the payment of insurance premiums due to the contractor’s invalidity;
    • death for any reason for the main contractor (this additional insurance can be attached only if you have chosen the Premium Option).
    • ADDITIONAL INVESTMENT INSURANCE. More details about this additional insurance can be found on the right side, in the useful section. 

What are your advantages?

  • Flexibility. You can choose:
    • contract structure. Specifically, you can attach additional insurance to extend the coverage of the basic policy so that it always corresponds to your protection needs.
    • duration of the contract
    • the value of the insured amounts for the basic contract and for the additional insurances
    • the value and frequency of payment of insurance premiums
  • Security of invested capital. During the contractual period, you benefit from protection against inflation for contracts in lei and for indexation for those in foreign currency.
  • You benefit from profit sharing by increasing the insured amount or by accumulating benefits in a separate account, starting with the third anniversary of the policy
  • Prompt payment of insurance benefits
  • Advice on identifying an optimal financial solution.

For more details, leave us your contact details using the form on the right side of the screen, and a sales representative will guide you in choosing a variant that corresponds to your needs and financial possibilities. Opt for the right life insurance!

By aamritri

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