Individual Health Insurance

Individual Health Insurance

Health Insurance For A Family

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health insurance for a family

The Best Health Insurance policy for family in India will secure your health everywhere you go

Therefore, to finding the Best Health Insurance policy for family in India from a reputed Health Insurance Company with good track record is the only solution to this burning problem.

You need to select a health insurance company that appreciates your needs and provides you with appropriate policies such as International Travel Health Insurance incase you are a frequent traveller and policies such as health insurance with opd or a cashless Health Plan in India to ensure that you are rid of all the burdens

Requirements for health insurance are varied and you have to select those which are most essential for you and the family. These may be categorized as follows:

•    Pre- hospitalisation and post- hospitalisation benefits – Some mediclaim policies provide up to 60- 90 days of pre and post hospitalisation benefits. Prior to getting admitted in a hospital from illness or surgery, your physician or surgeon may ask for various tests to be conducted and also prescribe medicines. Similarly, after discharge from the hospital, you may have to take medicines or get tests conducted till you are finally declared fit. A reliable company provides for these costs in their plan.

•    Family Floater Policies- In the family floater policy, the sum assured can be availed by other family members also. Each opted member of the family gets cover under this policy. The premium for the family floater policy is less than the total sum assured if each member had a separate policy. The family floater policy is a convenient plan for a family because each member gets a cover.

•    Cashless facility- Cashless facility is an eagerly sought after facility by all. There is a network of hospitals with tie ups with the company dealing with health insurance.  A simple procedure is required to be followed prior to hospitalisation. With the cashless facility, the insured does not have to spend anything either for admission or for treatment provided the cost is within the insured sum.

•    International Travel Health Insurance-this policy may be adopted in case you are travelling abroad for a vacation or if your child is opting for a country abroad to pursue his higher studies. This policy is apt in case you face a medical emergency away from home that might turn out to be extremely expensive.

A Health Insurance Company provides cover especially for senior citizens. The plan covers hospitalisation expenses as well as expenses in case of treatment for critical illnesses. The diseases falling in the group of critical illnesses are:
•    Coronary bypass surgery
•    Renal failure
•    Cerebral attack
•    Cancer
•    Major organ transplants like kidney, pancreas.
•    Paralysis.
•    Critical illness cover is optional.

About the Author

Whether you opt for an International Health Insurance or a cashless plan in India or a health insurance with opd the company has to be reputed and you should not be in a situation where you are stuck with claims that the company refuses to pay attention to. Opt for the best health policy for family in India to enjoy multiple benefits.


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