Caring for Your Parents — With Confidence and Compassion

Looking after your parents is one of the most meaningful responsibilities in life — but it can also be one of the most complex. At KSS Wealth, we help you plan and protect their health, independence, and dignity with customised insurance and financial solutions.

Get a Parent Care Consultation

Protecting the Generation That Protected You

Your parents spent their lives building the foundation you stand on today. Now, as they grow older, their health, lifestyle, and financial needs deserve the same careful attention they once gave you. But with rising medical costs and complex policy options, finding the right protection can feel overwhelming.

KSS Wealth simplifies the process — bringing together the best senior citizen health insurance, pension-linked life cover, and investment options from India’s leading insurers, so your parents’ future feels as secure as their love for you.

The Parent-Care Challenges We Help You Solve

Rising Healthcare Costs

Medical inflation in India is among the highest in the world. Even routine procedures can strain retirement savings. We help you choose policies that cover hospitalisation, pre/post-hospital care, and day-care treatments — ensuring your parents never have to compromise on quality healthcare.

Pre-Existing Conditions

Diabetes, hypertension, and cardiac issues are common concerns among older adults. KSS partners with insurers offering specialised senior health plans with short waiting periods and broad coverage for pre-existing illnesses.

Policy Confusion & Gaps

Families often hold multiple overlapping or outdated policies. We conduct a policy audit to identify gaps, eliminate redundancies, and consolidate coverage — saving you both money and mental load.

Emotional & Financial Strain

Caring for aging parents can be emotionally and financially draining. Our advisors help you create a structured Parent Care Plan combining health cover, life insurance, and guaranteed income options — so that love never has to battle logistics.

Our Parent Care Planning Framework

We take a 360° approach to your parents’ wellbeing — covering health, longevity, and financial independence in one integrated plan.

Comprehensive Health Cover: Start with a senior citizen health insurance policy that covers pre-existing conditions, hospitalisation, and post-discharge care. Popular choices include Star Comprehensive Health Insurance and Care Health Freedom Plan, both known for generous benefits and senior-friendly terms.
Life Cover for Stability: For aging parents, life insurance with income or return benefits offers dignity and continuity. Plans like ABSLI Vision Life Income and LIC Jeevan Umang combine lifelong protection with regular income payouts — ideal for retirees seeking security without dependency.
Guaranteed Income & Wealth Transfer: Pair health and life cover with wealth preservation tools such as Max Life Guaranteed Income Plan or ABSLI Wealth Secure — ensuring that your parents’ assets and savings work for them, and ultimately, for you.

Our Insurance Partners for Senior and Parent Care Solutions

We partner with India’s most trusted insurers, offering policies specifically designed for aging parents and senior citizens. Each partner brings its own strengths — from comprehensive health benefits to steady income and long-term protection. KSS Wealth compares these options across insurers to design one cohesive Parent Care Plan — ensuring your parents’ health, comfort, and peace of mind are protected without financial compromise.

Axis Max Life Insurance

Guaranteed Income Plan — Delivers steady income after retirement while maintaining insurance cover.
Smart Wealth Advantage — A flexible plan blending wealth creation with security for long-term care goals.

Max Life’s combination of guaranteed and investment-linked plans ensures parents stay protected and financially independent.

Aditya Birla Sun Life Insurance

Vision Life Income Plan — Combines life cover with guaranteed income, ensuring financial support for parents in retirement.
Wealth Secure Plan — A guaranteed-return policy ideal for estate planning and preserving savings.

Aditya Birla’s long-term income and savings plans help families balance emotional responsibility with financial prudence.

Life Insurance Corporation of India (LIC)

Jeevan Umang — Lifetime cover with regular payouts, perfect for parents who prefer a dependable income stream.
New Children’s Money Back — Helps manage multi-generational planning, aligning parents’ wealth with future family goals.

LIC’s trusted reputation and lifelong coverage options make it the go-to choice for senior citizens seeking dependable protection.

Star Health Insurance

Comprehensive Health Insurance — Covers hospitalisation, wellness, and maternity benefits with strong support for older policyholders.

Star Health’s easy-claim process and broad coverage make it a trusted ally for senior medical care.

Care Health Insurance

Freedom Plan — Designed for individuals with diabetes or hypertension, offering security despite pre-existing conditions.

Care Health focuses on protecting aging parents with customised plans for lifestyle-related conditions.

ICICI Lombard General Insurance

Health Booster Plan — Adds top-up coverage to base policies, providing extended protection against major medical expenses.

ICICI Lombard enhances family health portfolios with flexible coverage that scales to future healthcare needs.

Give Your Parents the Protection They Deserve

Schedule a free consultation with our advisors to explore the right mix of health, income, and protection plans for your parents — so you can care for them with confidence, not worry.