Q: Which health insurance scheme will be best for my parents? They are both 56 years old. I have checked out a policy by National Insurance Company in collaboration with Bank of Baroda. How do you rate it?

A:They rate good, both in terms of coverage and premiums especially for the age category of your parents. Also you may want to check out the Bajaj Allianz Silver plan and in case you are a Citibank cardholder, they too have a tailor made policy for their customers. Typically, in this age bracket, insurers are not keen to offer a health insurance cover because of the increased possibility of a claim given the age.