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Insurance Article

Make a sound investment for your family: Opt for Family Health Insurance

May 15 2009

Investing in a family health insurance is the most prudent step you can take to protect at least general health of your loved ones. A Mediclaim or an health insurance provides monetary protection in case of unforeseen situations and gives you a peace of mind. Health insurance for your family members comes with a variety of benefits to ensure your family’s well being if your major concern is availing of a quality family plan then you should consider comprehensive plans offered by some of the leading yet reliable insurance companies in India. Let's look at some standard benefits offered in a basic family policy.

  • A family health insurance plan covers you and your family members against sudden medical contingency.
  • The policy lists a package of medical benefits such as medical tests, drugs and treatment services. The insurance company charges you a Premium (usually on a yearly basis) to cover you against the risks.
  • The insurance company agrees to cover the cost of certain benefits listed in your policy. Sometimes, it covers not only the expenses incurred during hospitalization but also the pre and post-hospitalization expenses.
  • The family policy also covers the expense of your preventive health tests.
  • In addition to this,you get a tax benefit and can save on your income tax under section 80D of the Income Tax Policy (in India)
  • Medical requirements of each of your family members are covered and that also in easy premiums.
Apart from covering costs on illness and surgeries, the family health insurance includes coverage for emergencies arising out of acts of terrorism. Cashless facility comes to you across the network hospitals listed on your health insurance company's coverage list. Plus, the family plan offers you a 2-year continuous coverage with no change in premium in the second year.

Also, there are some additional benefits when you buy your policy online. It is a convenient process with no paperwork involved and an instant policy is generated. Having a policy online helps you to print, manage and renew it anytime, anywhere. This way, you can save your family’s future by making a sound investment.

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