HEALTH INSURANCE- FOR ENTIRE FAMILY

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Health Insurance

• Jiyo Befikar

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How to cover entire family under single cover
for Health Insurance?

• We all love our family a lot. Their
  protection against any form of natural
  calamities, riots, unusual circumstances etc. is
  always on your top priority. But when it comes to
  health issues you tend to be slightly more
  precautious and concerned. Its obvious that
  youll search various options in the market that
  will take care of their healthcare needs. Of
  these health insurance plans are on your top
  filter lists.

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• But taking multi-plans will naturally cost you
  more besides you need to monitor their renewal
  procedure, premium payments, after sale services
  etc. A Family Floater plan, as the name itself
  suggests is an insurance plan which is designed
  to cover families health needs.

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• The plan helps to cover the healthcare needs of
  individual family, including self and spouse,
  parents and children as well.
• Today with the escalating inflation rate, growing
  medical costs, and complex treatment procedure
  creating a shield of family floater plans around
  your loved ones is absolutely a need.
• A single policy will cover all the members of the
  family, and reduces your task of buying numerous
  health plans for your loved ones and manage them
  on regular basis.

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• In India around 30 companies cater various
  customized health plans to their clients. With
  the advent of internet today buying the best
  floater plan among these insures is not a tough
  task.
• At the click of a button you can compare the
  necessary services, benefits and features,
  discounts concession, payments procedure, claim
  procedures etc. making it easier for you to
  compare and buy.

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Features of Family Floaters

• Health coverage to whole family under single
  umbrella is the prime feature of family floater
  plans. Apart from this sum insured amount could
  be floated for all the members, no medical
  examination for persons up-to the age of 60 years
  (varies from insurer to insurer), day care
  treatments etc. are some other important features
  of this plan. The health insurance plan helps the
  policyholders to get coverage on medical expenses
  in case of Hospitalization which include
  necessary treatment charges, boarding expenses,
  nursing care, medical consumables, etc.

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Pre and Post hospitalization expenses

• Pre-hospitalization It will cover the
  pre-hospitalization expenses the period of same
  depends upon the norms of insurers.
• Post-hospitalization It will cover the expense
  incurred in terms of medical treatment and
  required examination after discharge from a
  hospital

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Emergency Ambulance Charges These would be
ambulance charges in case of emergency being
covered by the insurer under the claim process.
Medical checkup Some insurance companies offer
free medical checkup facility that floats across
all the beneficiaries.
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Advantages

• Hassle-free coverage It reduces the task of
  selecting individual health plan for each member
  of the family and then utilizes the time and
  valuable energy in managing them. Besides,
  separate policies incur higher fees as well.

• Avail Discounts Since its a family floater you
  can be sure to get some sort of discounts and
  incentives that plans usually offer.
• Add new family Member easily In this health
  insurance plan you can easily add up a new born
  member in the family. In case of the unfortunate
  death of senior-most member of the family, other
  members can continue with the plan without losing
  any benefit. Nowadays, family floaters are
  extended surprisingly to include the in-laws and
  siblings as well. Thus, family is not necessary
  blood by birth sometimes its created by love and
  affection given by your in-laws.

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Useful Features

• It comes with many helpful and attractive
  features such as coverage on maternity, new born
  baby, etc.
• In India, after the liberalization of the health
  sector, around 30 insurance companies are taking
  care of providing health coverage for individuals
  and families. It has become vital to have health
  coverage for the family members due to the rising
  costs of medical treatment.
• Today, many insurers are offering the options of
  taking health coverage for parents, sibling and
  in-laws under a single plan. If the customer
  purchases the family floater plan, then it
  becomes necessary for the insurer to provide
  health coverage to the family of the insured.

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• A family floater plan saves a lot of money as it
  covers the entire family member under a single
  plan. This plan minimizes the stress related to
  the costly expenses of hospitalization.
• Insurance companies provide coverage till 65
  years of age only. There are some companies which
  provide lifelong renewal policies. So, individual
  should check the related details to find the best
  health insurance plan for the family.

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To know more details visit https//www.bajajallia
nz.com/Corp/health-insurance/health-insurance.jsp

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