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Why Should you Buy a family health insurance policy

The cashless hospitalisation feature of this comprehensive health insurance plan relieves you of the stress of shouldering hospital bills during an emergency hospitalisation.

  • 21 Jan 2013
  • 2 min read

It is important to select a health cover which offers coverage for all of your family’s health requirements so that you are better prepared for any medical exigency. For these reasons, it is best to consider a comprehensive family health insurance as it offers extensive coverage so that you can rest assured that your family’s health is optimally secured.

It would be beneficial to opt for health insurance covers from well-known insurance providers so that making claims or getting acceptance at health care facilities is stress-free. Nowadays, most health insurance providers have made their insurance policies available online. This gives quick access and better understanding of policy features and aids in choosing a correct insurance cover for your family. ICICI Lombard Complete Health Insurance has family floater health insurance option which allows you to secure a maximum of 5 family members (according to policy terms) with the payment of a single premium. With the availability of a larger sum insured and freedom to structure the premium according to your choice, this health cover offers optimal savings. Thus, you can secure your family’s health in one go and do not have to worry about keeping a track of individual health insurance policies.

The cashless hospitalisation feature of this comprehensive health insurance plan relieves you of the stress of shouldering hospital bills during an emergency hospitalisation. ICICI Lombard also has a tie-up with several premium health care providers across the country. The insured can avail of cashless hospitalisation at any of these network hospitals and gain access to optimal medical treatment without worrying about hospitalisation costs.

With this comprehensive family health insurance, the insured gets coverage for all medical expenses incurred as an inpatient during hospitalisation of more than 24 hours. This health plan also covers all medical expenditure 30 days before and 60 days after hospitalisation. Not just that, day care expenses for advanced technological surgeries and procedures such as dialysis, radiotherapy and chemotherapy (requiring less than 24 hours of hospitalisation).

This family floater health insurance plan also offers the option of purchasing additional covers which offer monetary benefits (according to policy terms) during hospitalisation. These additional covers can be purchased by the payment of a slightly higher premium and can prove extremely handy during several medical emergencies.

With all these benefits in mind, buying a comprehensive health insurance plan is the best way to secure your family’s health and your finances during any medical exigency.

Disclaimer - The article contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. This article is brought to you by ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.

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