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Chief
After reading this, I can assume that you already have insurance for your wife. Hence, there must be a track of the same.
Now when you try to tweak this and cover your parents, you are actually going against the law. If by any chance there is an audit and they find this anomaly. Novartis has right to issue V&B charges against you and you might have to leave the job just to save some money.
Rest, for such things, better discuss it with the HR and do which is ethically correct.