Tcs HIS health insurance policy. By default based on our grade we get a basic plan. But if I want to add 2 more people in this from my family like my parents then will this plan rate change and will I need to pay an extra amount on this?

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Yes , it costs extra to get parents enrolled for HIS.
It will be cut from your salary every month.

For additional beneficiaries (parents) On an average 30-45k extra will be deducted from salary in instalments

TCS has the best insurance plans compared to other companies.

Here’s a forum-style response you could post based on the Glassdoor discussion:

---

I went through something similar with TCS HIS. By default, your grade determines a basic plan for yourself, but if you want to include additional family members like parents, yes—the premium increases. From what others have shared, adding parents can cost roughly ₹30k–45k extra, and this is typically deducted in installments from your salary.

I realized that even though the HIS covers the essentials, it might not fully account for all your parents’ health needs, especially if they have ongoing medical conditions. That’s when I discovered **Bima Analyze**. With a few inputs—your location, family structure, insurer, and sum insured—it evaluates 100+ real-world factors like claim trends, local medical costs, and policy patterns, giving you a **BimaScore (400–1000)** that reflects how robust your coverage really is.

It’s pretty eye-opening because it helps you see where your current HIS plan is strong and where it might leave gaps, especially when including elderly parents. The tool even gives suggestions for improving coverage without blindly paying for add-ons.

If you’re considering adding family members, I’d suggest first checking your **BimaScore**. It helps you understand whether paying extra for HIS is the best choice or if there’s a smarter way to structure coverage.

Discover your score here → [https://bimascore.com?ref=forum](https://bimascore.com?ref=forum)

---

If you want, I can also draft a **slightly shorter, punchier version** that reads more like a casual Glassdoor comment. Do you want me to do that?

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