How we can choose best health insurance plans for family

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How we can choose best health insurance plans for family

Family health insurance is a health insurance policy designed to ensure you and other members of your family at an annual premium.

Family health insurance covers a wide range of health facilities such as accident treatment, daycare procedures, treatment of critical illness, psychiatric assistance, cash advance benefit, and annual health check-up.

best life insurance policy for family| हेल्थ इन्शुरन्स प्लान फॉर फैमिली 2021

Today, not only health-related expenses but also health-related problems have reached their peak.

In such a situation, family health insurance protects you and your family in case of such unforeseen health problems.

Because it is our great responsibility to take care of the people we love and keep them safe

This scheme is suitable for all those people who are always devoted to their family and keep the safety of their loved ones paramount. Senior citizens and children – can take care of everyone with this health insurance plan.

Families who worry about both health and money can also take advantage of family health insurance plans.
After all, good health is everything. And the health of your family? He is above everything!

Why is it more important than ever to protect the health of the family today?

  1. Today, more than 14 million people in India are breathing polluted air 10 times the limit set by WHO.
  2. We Indians (collectively) spend about Rs 3 lakh crore in our lifetime just on buying medicines.
  3. WHO statistics show that India will see 1.16 million new cancer cases this year, of which more than 50 percent will be women.

5 best low cost health insurance plans for family

Company

Name

Monthly Premium

Anual Premium

Sum insured 

 super health Plus

Rs. 897

Rs. 10768

Rs. 5 lakh

NCB Super Premium

Rs. 698

Rs. 8386

Rs. 5 lakh

 Comprehensive health insurance

Rs. 868

Rs. 10,420

Rs. 5 Lakh

Myhealth Suraksha

Rs. 987

Rs. 11,845

Rs. 5 Lakh

Features and Benefits of health insurance plans for family

Easy Online Process -The entire process from buying health insurance to making a claim is simple, paperless, quick, and hassle-free. We don’t even ask you for any hard copies for claims!

Additional Sum Assured – in case of accidental hospitalization due to accident and critical illness, our health insurance company will give you an additional sum insured at zero cost.

Cover for Pandemic -We know people are scared because of the coronavirus, so we cover that too.

best life insurance policy for family

No, Your Age Co-payment – ​​All our plans do not have any age-wise co-payment. It means that you do not need to pay anything out of your pocket and claimed your health insurance policy.

No room rent restrictions –everyone has different preferences, and we understand that. And that is why the hospital does not impose any limitation on room rent. You can book the room of your choice.

Double Sum Assured – If you have claimed your Sum Assured once and unfortunately you need it again in the same year, we will make it available again for you.

Cumulative bonus-It gave an annual cumulative bonus for healthy living and no further claims.

Get Treatment at Any Hospital – connect with 5900+ hospitals in India, and you can make a cashless claim in any of these hospitals. Otherwise, you can get treatment in other hospitals by taking the facility of reimbursement.

What we covered in the health insurance plans for family?

1- Hospitalization expenses at the time of the accident.
In the event of an accident, the family health insurance plan covered all the expenses of you and your family members.

2- hospitalization expenses due to illness
Hospitalization is necessary for some diseases.
In such a situation, this benefit also covers all types of treatment expenses for you and all your family members

3-Maternity benefit and cover for newborn
All expenses incurred at the time of motherhood and during the problem of sterility, such as the delivery of the child, c-section, expenses of necessary medical termination and vaccination of the newborn child, etc.,

4-Benefits in case of critical illness
In case of diseases like cancer, kidney failure, heart attack, and paralysis, all the treatment expenses are financed by this insurance plan.

5-Pre and post hospitalization expenses
This benefit covers all hospitalization and medicine expenses if any of your family members have to be hospitalized.

6-Pre and post hospitalization expenses
This benefit covers all hospitalization and medicine expenses if any of your family members have to be hospitalized.

7- Daily Hospital Cash Cover
God forbid that this happens, but when your family members admit to the hospital, then you suffered from many expenses in addition to the hospital bill, and this insurance plan benefit allows you to cover that expense as well.

8- Annual health check-up
The first step to being healthy is to be aware of your health. So, take advantage of free annual health check-ups for your family from the second year onwards through a family health insurance plan.

9- Psychiatric benefits
Mental problems and diseases have also increased a lot. In such a situation, the cost of any psychiatric time or trauma treatment is covered under this benefit.

10- other benefits
Times have changed, so how can we stay behind?
That’s why our family health insurance plans cover bariatric surgery, organ transplant, treatment under the AYUSH scheme for your elderly relatives, and even after you come out of the hospital so that you can get full medical benefits through health insurance.

What is not covered?

1-Pre-birth and post-birth expenses
Pre and post-birth expenses are not covered unless hospitalized for the same.

2-pre-existing disease
In the case of chronic diseases, no claim can be made for the cost of the disease until the waiting period is over.

3- cost of hospital stay without doctor’s advice
In any case, if you go to the hospital against the advice of the doctor, then no cover is given for it.

 

How to make a claim?

  1. To claim the payment, you can call the customer helpline number, or you can also mail them,
  2. Through this, you can upload all your hospital bills and other documents. After this our health insurance company starts the process of your payment.
  3. If you have claimed for coronavirus, then you will have to give a positive test report to the center authorized by ICMR – National Institute of virology

Why do you need health insurance plans for family?

  1. Helps to keep your capital safe
  2. Covers all minor and major medical expenses
  3. Control of lifestyle diseases
  4. Whole-body health care
  5. Increases tax savings
  6. easily payable premium

Types of Family Health Insurance

1- Family Floater Health Insurance Plan

  • Under this plan, the entire family members share the sum insured among themselves.

2- Individual Family Health Insurance Plan

  • If the Sum Assured is Rs 10 lakh, then up to Rs 10 lakh can be spent on the treatment of each member of the family till the completion of that policy,

FAQ/ Frequently asked questions

1- Details of coverage offered by family health insurance?
A. Sum Assured Sum Assured: 2 lakhs. 3 lakh | 4 lakh | 5 lakh | 10 lakh | 15 lakh | 20 lakh | 25 lakhs|50lakh| 1 cr

2-What is Family Health Insurance?
Family health insurance is a type of health insurance designed for you and your family with a single annual premium.

In today’s time, not only the cost of treatment has increased but health problems are also at its peak. In such a situation, a family health insurance plan gives complete cover to you and your family at the time of such health related problems. These conditions cover you for all types of treatment expenses from hospitalization due to any reason to the time of any critical illness, accident and mental illness.

3- Why is a health insurance policy needed for a family?
Many people take family health insurance plans for tax benefits. The bigger reason is that through this you can not only improve the health of your family but also make yourself financially strong.

 

4-Why should one take online family health insurance?
Getting health insurance in India is often considered a very hectic and complicated task. But since the process can now be done online, everything has become much easier for you.

This helps you to choose the plan with the best benefits for you. Also you can organize it online as per your demand. It also takes less time and no paperwork to buy health insurance online!

5-How is the premium determined for a family health insurance policy?

  1. Age of you and your family members
  2. how is your lifestyle
  3. Which city is chosen for treatment?

6- Why should one opt for Family Floater Health Insurance?

Family floater health insurance plan is such a family insurance plan, in which the entire sum assured is shared by all the members of the family. It works very well for newlyweds and single family people.

7- Can I take individual health insurance for my family members?
Yes, of course you can. For this, you can either take an individual health insurance plan for each member or choose a family floater health insurance plan, in which all the members of the family are covered in a single insurance plan.

8- Can I add my parents in the family floater plan?
If your parents are above 60 years of age, we have a special plan for them. You can buy this plan for them only at the time of buying a family floater plan. Their insurance policy will be different from that of your family floater. In such a situation, he will not share the sum assured in the floater plan while other family members will have an equal share in it.

9- What is the Annual Sum Assured?
Annual Sum Assured is the amount given by the insurance company to be used within a policy year. For example, if your Sum Assured is Rs 10 lakh, then you can get a maximum cover of up to Rs 10 lakh within a year.

10- How many family members can be added to the family floater health insurance plan?
You can add your spouse and up to 4 children in family floater health insurance.

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