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Insurance Article

Ensure sufficient medical coverage for the entire family with health policy of India

June 01 2012

To prevent sudden financial loss, it is essential to buy a health insurance plan that covers a variety of ailments and offers different features. To make your health cover the best health policy, it is essential to carefully read the policy plan so that you can save money even when faced with a medical emergency.

Depending on your needs, you can opt to buy an individual plan or can opt to buy a complete family plan and safeguard your family’s health. When you opt to buy an insurance cover for the entire family, the larger sum insured is sure to reduce the financial burden.

The floater benefit offered by the ICICI Lombard Complete Health Insurance policy allows you to insure a maximum of 5 family members. The sum insured offered by this health policy of India can be used be used by one member or can be shared till the policy term expires.

Quality of medical aid varies greatly and offering premium aid to your ailing family member may be an absolute necessity. This health policy of India takes care of the ailing individual by offering premium medical treatment through its wide network of hospitals all across India. An insured individual seeking treatment at any of these hospitals can avail of the cashless claim feature which makes the insurance company liable for the settlement of bills for all medical expenses during hospitalisation.

Ailment of the sole breadwinner of the family is sure to affect the entire family for the number of days spent in the hospital or during the recuperation period. This health cover also allows you to include add-on covers to the policy plan and expand the benefits offered. An add-on cover like the Convalescence Benefit offers a total of Rs. 10,000 to the insured patient for each policy year in case of hospitalisation for 10 consecutive days. You can opt to buy the optional Hospital Daily Cash which offers the insured a certain amount (depending on the sum insured) for a maximum of 10 consecutive days starting from the third day of hospitalisation.

This policy also offers lifetime renewability so that the health of your entire family is optimally secured with continuous benefits by timely policy renewal.

Thus, with careful consideration of different policy features and including add-on covers, you can easily make your insurance plan the best health policy for your entire family.

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