We love our family members a lot. Even a minor fever or cold
will leave them distress but it will cause a pain our heart. In today's time of
hectic and sedentary lifestyle, any of your family members can grapple with any
form of diseases or health issues. This unexpected medical situation can lead
to their hospitalization and urgent medical attention as well. It might costs
of a bomb if you don't own a suitable medical insurance policy. The expenses
related to healthcare such as hospitalization, consulting fees of doctors,
diagnostic tests, ambulance fees, etc. has been increased significantly in the
past couple of years. Such expensive surgeries, medicines, hospitalization,
operation costs, therapies can burn a huge hole in your pockets if you don't
have a backup of sufficient health plan.
If the individual medical expenses are so high, then imagine
what would be the medical treatment costs to maintain the health of the entire
Family? Well, for a moment it will run tremors in your minds. Relax! To reduce the
burden and cut down the hassles of buying separate policies, the insurance
companies have now introduced health insurance plans for family. It helps the
policyholder to take care of the medical expenses of the entire family based on
health needs and situations. This is one of the best plans under which you can
cover your spouse, children, siblings, in-laws, nephew, parents or any other
relative who is dependent on you, under one health policy.
Due to the rising pollution level, sedentary lifestyle, changing
lifestyle habits, contaminated foods individuals of any age group get prone to
different types of diseases and health complication very easily. This increases
the importance of a family health insurance plan which
can cater to your medical needs under a single premium.
Some benefits of the family floater health insurance policy are as follows:
• A single plan which saves you from the hassle of buying
multiple policies & premiums
• Better medical coverage with a facility of medical-check up
for an insured family member
• You enjoy good discounts while buying as well as renewing
your policies
• Discounts on the co-payments
• Equipped with varied features that can offer comprehensive
coverage to the insured members
• Easy to add a new family member
• Tax benefits up to Rs 60K
• No medical test up to 45-50 years
Thus, these benefits make the family floater health insurance an ideal choice for an individual whose family
is dependent on him or her. In case the insured money is exhausted in any of
the urgent medical treatments, you can always reinstate the money while
renewing the policy.
Before you buy a family floater health insurance policy, there are a few things you need to have an
eye on:
- The sub-limit, co-payments and medical cover
- Maximum renewability age of the particular plan
- List of empanelled hospitals
- Add-ons, policy terms, and conditions, Day-care procedure, No Claim Bonus
- Claim Settlement Ratio, Solvency Ratio, Company Reputation, Customer Ratings
Before you buy a family floater policy, it’s better to
evaluate the medical needs of your family, their age, present health status and
future coverage based on inflation. The pre-existing conditions of the family
members should also be kept in mind. The waiting period is again a thing to
watch out for, as you will be planning to get medical treatment for their
pre-existing health conditions as well.
Look for a trustworthy partner and buy your family health
insurance plan online, now!
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