I bought the insurance for my mother from "Ingle life & Health Assurance Company". You can buy at any time and the insured period can be based on days. It's flexible. As to the insured amount, you have several choices, but it is related to your parent's age, so you can check its website: www.ingle-health.com. $ R# Q* y; [& a) s1 Y5 Y 3 M$ v1 z) q F' @& ? 5 B0 Z% J$ g% j" g4 ^Good luck!