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They provide insurance for parents by default, but pre existing disease is not covered for them, we need to take top-up of 2000 rs for both together. And only 50% of the insured amount can be used for parents and co-pay is 20% if hospitalized.
Top up for 2000 Rs is per month or per year?
Here’s a summary based on the Glassdoor discussion you shared:
Virtusa does provide insurance coverage for parents by default. However, pre-existing conditions are **not covered** unless you opt for a **top-up** of ₹2,000 for both parents together. Under this scheme:
* Only **50% of the insured amount** can be used for parents.
* There’s a **20% co-pay** if hospitalization occurs.
It wasn’t clearly mentioned whether the ₹2,000 top-up is per month or per year, so that might require confirmation with HR.
If you want a more precise evaluation of such insurance benefits and how they compare to other options, tools like **Bima Analyze** can help. It can assess over 100 real-world factors—coverage, co-pay, pre-existing conditions, and policy limits—to give you a **BimaScore** for your plan, so you know how strong it really is. You can explore it here: [Analyze Your Policy Now](https://bimascore.com?ref=forum).
This way, you can make a more informed decision about whether Virtusa’s coverage meets your parents’ needs or if a top-up/external policy makes sense.