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Insurance Article

Get optimal coverage with the perfect health insurance policies for family

March 12 2013

The sudden nature of this emergency is sure to impact your savings and is also likely to cause panic. A health insurance policy reduces the stress of arranging of finances single handedly and also offers a variety of medical benefits.

Many insurance companies offer health insurance plans that are designed to offer coverage to the entire family. National health policy in India offer primary health care services that are designed to reduce financial stress and burden on the family of the ailing individual. Insurance companies that offer family health insurance policies offer compensation for different medical expenses. Comparing different policy quotes of health insurance policies for family will make you more aware about the different features and allow you to select the perfect plan for your family.

The ICICI Lombard complete health insurance policy offered by ICICI Lombard may offers a comprehensive insurance cover and the floater benefit extends policy cover to the entire family. The sum insured offered by such a health insurance can be shared by all the family members till the policy term expires. Thus, with the payment of a single premium you can insure all the family members with a medical cover.

Managing such a health insurance policy is easy as you do not have to remember individual policy renewal dates. This health insurance policy may also offers life-long renew ability that offers continuous benefits to your loved ones with premium medical care.

The insurance policy offers compensation for like room charges, doctor’s or surgeon’s fees, expenses borne by the insured individual for medicines, etc. All these features are sure to come handy if the patient is placed under medical observation during minor injuries due to an accident or mishap. In cases where the total duration of hospitalization is more than 24 hours, this policy may also offers coverage for inpatient treatment and prevents sudden loss of finances.

It also extends coverage for all expenses 30 days before and 60 days after hospitalisation and is sure to greatly reduce the financial burden in today’s inflated times where medical aid is costly. Another important aspect of the health insurance policy is the cashless claim feature. With this feature, the insurance company offers the ailing member of you family premium health care from its wide network of hospitals. All the hospitalisation bills are settled by the insurance provider and you are relived of monetary stress that could arise when arranging for finances singlehandedly.

Apart from all these features, this insurance policy may also allows you to include a variety of optional covers. This flexible customisation feature of the health insurance policies for family enables to offer extended coverage to your loved ones and also safeguard your finances.

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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Product Code: Misc.128

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