Life hits us with multiple uncertainties - an accident, sudden illnesses, and whatnot. But amidst all this chaos, the beacon of reassurance comes through health insurance.
Family health insurance is like an umbrella covering you and your entire family in medical emergencies. Contrary to the prevailing notion that health insurance is only necessary for the elderly or those with pre-existing health conditions, everyone must have coverage. In Kerala, you can choose the best family health insurance policies offering comprehensive coverage.
Importance of Buying Family Health Policy in Kerala
Here are all the right reasons for you to invest in family health insurance in Kerala:
Due to medical inflation, the cost of healthcare facilities has grown tremendously over time in Kerala. Hence, relying solely on your savings is not the right financial decision. It becomes paramount to secure top-tier medical insurance in Kerala. This ensures ongoing financial stability for the insured individuals.
The lifestyle has changed in multiple ways. People today only engage themselves in physical activities a little. When caught up in work pressure, there is less time to devote to one's health. Alongside this, the dietary choices have also become worse. This increases the number of health complications in people living in Kerala. Opting for comprehensive health insurance is imperative in this landscape. Such coverage offers regular complimentary health check-ups and safeguards against the progression of potential health issues.
You can buy the best family health insurance in Kerala to get cashless treatments. It allows policyholders to receive medical treatment at network hospitals without paying upfront expenses. Instead, you can focus on your recovery while the insurance covers your bills.
The government of India provides tax reductions to taxpayers who invest in health insurance. Section 80D of the Income Tax Act 1961 permits individuals and HUFs to avail deductions and tax advantages for the premiums paid towards health insurance and expenses incurred on preventive health check-ups during a fiscal year. This provision not only assists in handling medical costs but also provides a means to mitigate high tax liabilities.
Health insurance can help you stay financially supported during tough times. A medical emergency can deplete your savings without a health insurance policy, adversely affecting your financial standing.
Family health insurance policies typically offer the convenience of covering the entire family under a single plan, often referred to as a family floater policy. This simplifies insurance coverage management for all family members and saves costs compared to individual policies for each family member.
Why You Should Buy ICICI Lombard Family Health Insurance in Kerala?
ICICI Lombard Family Health Insurance in Kerala will offer you several benefits, including the following:
There are some illnesses where an individual gets hospitalised for less than 24 hours. Will this be covered under insurance? Well, yes, in the case of ICICI Lombard Family Health Insurance. Treatments that require no hospitalisation are covered under health insurance.
Some circumstances require the patient to be treated at home. These conditions may include the fact that there is no room in hospitals (as was the case in COVID-19) or that the patient cannot be hospitalised. In such situations, the expenses incurred for treatment will also be covered under this benefit.
When a patient receives an organ, the medical expenses usually exceed the cost of the organ owing to the lengthy procedures. However, health insurance can cover these expenses as well, so your financial situation would not be severely affected during untoward times.
There are various alternative treatments in India, such as Ayurveda and Unani. Are you wondering if expenses incurred while seeking these alternative treatments will be covered?
Rest assured, you can also seek coverage for such AYUSH treatments.
When a patient requires hospital admission for tests, treatments, or medical procedures, it constitutes in-patient hospitalisation. This includes individuals undergoing pre-scheduled surgeries or those facing medical emergencies. Patients admitted to the in-patient department often necessitate close monitoring and care from healthcare providers. This gets covered under the best family health insurance in Kerala offered by ICICI Lombard.
Investing in a health policy is one of the wisest decisions you can make. Consult with an advisor to select the optimal plan, ensuring your family's well-being.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.