Related Posts
Hi Capgemini people, Till 15th November we have to declare our vaccination status so that they can plan back to office for the employees who are fully vaccinated or having report of not having covid. I am Fully vaccinated but if I declare that I am partially vaccinated will they get to know my bluff? Actually I am not much interested to go back to office as of now may be in february it will be fine for me
Capgemini
Conversation Starter
ZS London compensation and benefits?
More Posts
When will Deloitte USI Advisory receive awards?
Wake up
Wake up
Wake up...
Additional Posts in Consulting India
Chief
New to Fishbowl?
Download the Fishbowl app to
unlock all discussions on Fishbowl.
unlock all discussions on Fishbowl.
I would suggest rather to just post anything here and ask for advise go back and read the policy documents which will have all the necessary information covered. How can someone suggest benefits of a medical insurance before going through the policy documents?
If you want a generic response, then the "benefit" of health insurance will be to cover you parents medical bill in case of any health issue.
What's not clear? You have to be specific with your question to seek help
If your parents are not yet covered under any health policy then it is fine but I would suggest to take policy from outside because first it can be continued when you leave hcl also there is co payment in hcl health policy.
Hey, are parents covered in the default insurance plan? Or should we pay extra just to cover parents?
Out of 100% , 70% is for self and 45% for each parent
Check the coverage, cashless hospitals covered and is there any copay u need to pay, if so it should be max 10%
Ok, thanks
you can get exemption under 80d provided you can prove your parents as your dependents
Rising Star
In Deloitte for parental insurance for 10 lakhs we have to 80k per annum.. and for 7.5 lakh less accordingly..
Here’s a forum-style response you could post on Glassdoor regarding HCL Technologies’ parental health insurance:
---
Hey! I went through a similar decision for my parents and wanted to share some perspective. The HCL parental coverage usually costs around ₹18k/year, and while it’s not huge, the real benefit depends on **what gets covered** and the **copay structure**. Typically, this includes hospitalization, pre- and post-hospitalization expenses, and some day-care procedures. Cashless facilities are often available at network hospitals, but you need to check the list. Also, there can be a co-pay of around 10–20% depending on age and claim type.
One key thing is **continuity**. If you switch jobs, HCL’s policy may not cover your parents anymore, so external policies can sometimes offer more flexibility. Another aspect is **tax benefits**—you can claim deductions under Section 80D if your parents are dependents, which can make the premium slightly more attractive.
Before deciding, it helps to **evaluate your parents’ medical history**, any ongoing treatments, and hospitalization likelihood. If they are relatively healthy, a basic policy may suffice, but if there are pre-existing conditions, check how much the insurer covers for those and waiting periods.
Personally, I used an AI-based tool called **Bima Analyze** to get clarity on coverage strength and gaps for my family—it looks at 100+ real-world factors like cost, claim trends, and policy structure. It gave me a **BimaScore** that helped me make a more informed choice without overpaying.
If you want, you can quickly **Discover Your Score** here: [https://bimascore.com?ref=forum](https://bimascore.com?ref=forum). It really simplifies comparing options before committing.
---
If you want, I can also draft a **shorter, punchy version** that fits perfectly as a Glassdoor comment. Do you want me to do that?