I wish to take a health insurance for my parents, who are 63 and 56, while covering myself(30), my spouse(29) and my daughter(1). Since my father is now a senior citizen, only Max Bupa is giving me a floater of 15lakhs for my parents, for a life long period. Others like Apollo and Star Health are not giving more than 5lakhs. However, Max is charging moon for it. The initial premium is 51k, which will obviously keep on increasing every year. As an example, premium for the same policy after 10 years will be almost 1lakh for same cover of 15lakhs. I’m very much confused. Is it worth taking it then? Can the gentlemen here enlighten me?