Family health should always be our
top priority. With an increase in the risk of various kinds of diseases and higher
medical treatment expenses, it is indeed necessary to protect your family and
keep them healthy and happy. A family health insurance plan protects more than
one member of your family for a fixed amount in exchange of a single annual
premium. Family health insurance provides coverage to two or more members of
your family at the same time, in case they are hospitalized or any illness is
diagnosed. This type of medical insurance is recommended for families with lots
of medical issues in the past.
Benefits of family health insurance:
- Hospitalization cover provides protection to the insurer who
is admitted by bearing their hospital expenses for a minimum of 24 hours. The
expenses include nursing consultation fees, specialist fees, cost of medicines
and drugs, room rent, charges for surgeon, nurse, anaesthetist and
practitioner. - Ambulance charges for emergency transport as per specified
limits. - Air ambulance benefits: Permitted up to 10{40156c797f277cd9180cea8701385e7548aecefd942935f87166f27b9a46a849} of the of the sum
opted by the insured, during one policy period. (Applicable for sum insured of
7.5 lakhs and above only). - Pre-hospitalization expenses up to 30 days before admitting
in the hospital. - Post hospitalization expenses up to 60 days after discharge
from the hospital. - Out patient consultation expenses up to a certain limit.
- Domiciliary expenses for a period exceeding 3 days.
Choosing the right health
insurance policy is always a smart decision. A thorough research has to be done to
choose the best insurance provider. Reputed insurers such Bharti AXA or others must be your
top picks when you choose the best health insurance policy.
Below given
are some easy steps to buy family health insurance online:
- Know your needs: Analyse your health condition and choose the right
kind of health insurance. For example, for a family of young people, Rs 5 lakhs
coverage is sufficient, whereas a family with senior citizens should choose a
larger floater option. And if they are too old, it is better to buy a separate
cover and not include them in the floater option. - Research insurance providers: Make sure that the insurer provides
a better claim settlement ratio. Do a research on the financial and service
record of the company. - Compare premium and plans: Today there a plenty of insurance
providers in the market. Compare the features, coverage, premiums and benefits
provided by each of the insurers. - Verify network hospitals: Look for insurance providers with
tie-ups with leading hospitals. Also make sure that your preferred hospital
comes in the list of the network hospital, so that you get cashless treatment
in the hospital that you choose. - Other alternative treatments: It is better to choose insurers who
provide coverage to alternative treatments such as ayurveda, homeopathy and
unani.