New Delhi, June 3 -- Getting health insurance for ageing parents can feel like a high-stakes balancing act-juggling steep premiums, limited coverage, and rigid terms. Even after paying a hefty price, long waiting periods and co-payment clauses often mean the policy doesn't deliver when it's needed most.

But for many young professionals, an unlikely saviour is stepping in: their employer's group health plan. These plans often bypass the hassles of pre-policy check-ups and pre-existing disease exclusions, though they come with their own set of risks and fine print.

Also read: Senior healthcare crisis: Why insurance must cover more than just hospital stays

Take Reetika Sharma, for example. She and her husband managed to get both sets of p...