The family health insurance policy is a plan that covers the wellbeing of you and your whole family. One can easily include his spouse, parents, dependent siblings, parents-in-law, and of course children under the best family health insurance in India. For the best family health insurance plans in India, you will have to pay one single premium and then the total sum assured will be shared for all members’ health.
What Is Family Health Insurance?
- 1 What Is Family Health Insurance?
- 2 Key Features of the Family Health Insurance Plans:
- 3 Benefits of the Family Health Insurance Plan
- 4 Inclusions of the Family Health Insurance Policy:
- 5 Exclusions of the Family Health Insurance Policy:
- 6 Some Of The Best Family Health Insurance Plans in India
Health insurance is considered to be the vital requirements of each family in present days. While every one of us wishes for a stress-free and healthy life, there’re some health complications that keep us irritating occasionally and put you and your family in severe pain and suffering. However, in such cases, the best family health insurance plans in India supports you financially.
To make sure that you have adequate monetary security to stand the expense of your and your family’s health care anytime, so it’s very important to purchase the best family health insurance plans in India to take care of your family during a medical emergency.
To make the right decision while purchasing the best family health insurance plans in India one must know plenty of things regarding the features, benefits, coverage, and exclusions of family Health insurance in India. See what must contain your best family health insurance plans in India:
Key Features of the Family Health Insurance Plans:
It Must Cover Your Family Members:
You can protect the members of your family including your parents, children, spouse, and in fact, numerous insurance corporations allow the parents-in-law too.
You can get a cashless facility in case of the treatment in a listed hospital of the company during your claim.
Reimbursement On Great Sum Insured:
Several insurance corporations offer a health insurance policy for the family along with some reimbursements on the higher total sum insured.
Health insurance policy for family in India offers alternatives for policy tenure. You can choose 1 year, 2 years or 3 years for the policy tenure.
Benefits of the Family Health Insurance Plan
The policyholder can get tax benefits on all their premiums funded for the best family health insurance plans in India under Section 80(D) of the Income Tax (IT) Act.
You can protect your whole family under a single family health insurance. So, instead of purchasing an individual medical insurance policy for each family member separately, buy one of the best family health insurance plans in India to save plenty of money.
Numerous family floater insurance policy providers special benefits called restore benefits, which help to restore full cover once it is exhausted at the time of the policy term. However, it’s valid only for the unrelated claims.
Easy To Add New Family Member:
One can easily add family member including children, parents-in-law or any other member under the best family health insurance plans in India.
Inclusions of the Family Health Insurance Policy:
We are listing down only the common inclusions of the best family health insurance plans in India below. There are different and additional inclusions for different insurance company’s offerings. Let’s now check out the common ones only:
Medical cost in case the covered is hospitalized at least for over 24 hours.
Emergency Ambulance Costs:
Expenses for the ambulance required for the emergency situation of the insured
Pre & post-hospitalization:
Medications, prescribed tests, treatment, and so many more for a certain period before & after hospitalization
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Medicinal costs are given in case the protected is hospitalized for about 24 hours or so.
Organ Donor Payments:
If an organ contribution is needed then the costs invited by that organ donor will be paid by the insurance company under your best family health insurance plans in India.
Medical costs for some ailments in paid by the insurance company when the covered person gets domiciliary treatment for the ailment
Vaccinations cost in case the policyholder gets affected due to an animal bite
AYUSH means “Ayurveda, Yoga, Unani, Siddha or Homeopathy” treatment. So, in case the insured goes through any Ayurveda, Yoga, Unani, Siddha or Homeopathy treatment then the medical expenses are paid by the insurance company.
Exclusions of the Family Health Insurance Policy:
There are different exclusions for different insurance company’s offerings. Let’s now only check out the common ones:
- Any claim rose within just 30 days of buying off the plan, except caused because of an accident
- Sexually transmitted diseases (STD)
- Pre-existing diseases aren’t covered before the pre-defined duration
- Treatment for the problems of cosmetic or aesthetic treatments
- Disease caused because of alcohol or drug abuse
- Self-inflicted damage
- Unapproved or experimental treatment
- Any Out Patient Department (OPD) treatment except stated in the insurance policy
Some Of The Best Family Health Insurance Plans in India
- Star Health Family Optima
- TATA AIG Mediprime
- Bharti Axa Smart Health
- ManipalCigna Prohealth Plus
- Apollo Munich Optima Restore
- Oriental Insurance Happy Family Floater Silver
- Max Bupa Health Companion Family Floater Plan