Many adult children notice the change slowly. A parent who once handled everything alone now needs help remembering medicines, or a routine check-up turns into a referral to a specialist. Alongside the emotional shift comes a practical question that families often avoid until a crisis forces it: who pays if a parent needs hospital care? Thinking about health cover early gives parents and children far more choice than waiting does. The Conversation Families Often Postpone Talking to parents about insurance can feel awkward. Some parents worry about being a financial burden, while others assume their savings or a pension will be enough. Children may hesitate to raise the topic, fearing it sounds like they're expecting illness. Yet a calm conversation about money and health is one of the
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