<h1>Parents Need Separate Health Insurance: 5 Critical Reasons for Comprehensive Medical Protection and Financial Security</h1> Parents should obtain separate health insurance alongside life cover due to five key reasons: comprehensive medical benefits, higher coverage for age-related conditions, optimized no-claim bonus, additional tax benefits, and wellness guidance. When selecting a policy, consider coverage requirements, parents' age, network hospitals, sum insured, sub-limits, and co-payment options. Separate health insurance provides financial protection and ensures tailored medical support for aging parents.