The family health insurance plan aims to provide health insurance cover to the insured and his family members. You can cover self, spouse, parents and your children under health insurance. Some policies also allow the inclusion of parents-in-law with an additional premium.
A health insurance plan is a must-have policy; as it allows you to take care of medical emergencies. Availing treatment from private hospitals or speciality hospitals is very expensive. To counter the problem of availing the best medical care at an affordable price; you must purchase family health insurance plan.
The family health insurance plan come with a host of benefits and includes riders that allow modification of the base plan according to the requirements of the insured. You can shelter and safeguard your family from medical risks by purchasing a family health insurance plan.
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There are several benefits offered by the family floater health insurance plan. Some of them are:
Affordable Price: Health insurance plan allows you to save money by insuring your entire family under a single health insurance plan. It conveniently fits your budget and insurers your family at affordable premiums.
Discounted Rates: When you choose a family floater health insurance plan; you enjoy discounts and offers provided by the insurers. For example, the addition of a new-born to the family health plan makes you eligible for a discount; similarly, you can get free annual health check-ups and no-claim bonus for claim-free years. To secure your family against health emergencies; family health insurance policies is what you need.
Takes Care of Medical Emergencies: The sum assured can be used by any of the insured members; under the family floater health insurance plan. When a health emergency strikes; your loved ones enjoy the best medical care without worrying on the expenses. You can get your family member admitted to a network hospital and the rest will be taken care of by your health insurance plan.
Ease of Process: A family health insurance plan helps protect your family and secure their health without any financial constraints in case of medical emergencies. A family health insurance policy provides the required protection and you also do not need to go through the hassles of maintaining individual health insurance plans and remember premium dates and make payments. For the family floater plan, you only need to make payment for one single policy.
Cashless Hospitalization: Most of the family floater health insurance plans come with the benefit of cashless hospitalization. The insurers have tie-ups with leading hospitals called network hospitals, allowing the insured to avail the cashless facility. This helps the insured avail treatment at network hospitals as the insurer settles the medical bill with the hospital.
See Also: Can I Use Health Insurance Immediately?
The health insurance plans for family offers insurance cover to all the insured members and covers a variety of ailments.
In-Patient Hospitalization: Medical expenses incurred on hospitalization of the insured are covered by the health insurance plan provided the insured is hospitalized for more than 24 hours.
Daycare Treatment: Certain surgeries or treatment can be completed within a few hours like cataract surgery, dialysis, angiography and radiotherapy. The family health insurance plan also covers expenses incurred on daycare treatment.
Pre and Post-Hospitalization Expenses: The family floater health insurance plan takes care of pre-hospitalization expenses for a maximum of 60 days. It also takes care of the post-hospitalization expenses for up to 90 days. This allows the insured recover without the family facing financial constraints.
Hospital Cash Benefit: Several health insurers also provide a daily cash benefit to the insured; which is used to meet daily hospitalization expenses like the transportation costs or the purchase of medicines.
See Also: Family Health Insurance Plan
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