With a family health insurance plan, you can protect your entire family from financial instability during health emergencies. These plans cover your spouse, dependent children, parents and in-laws in a single plan.
If you want to know all about how health insurance plans for family are beneficial in today’s India, continue to read on.
Top Health Insurance Plans for Family
Here is a list of the best family health insurance plans in India:
- Comprehensive Insurance Policy for Family
These plans cater to all members of your family, including 3 dependent children under a single plan. With the help of such plans, you can easily get coverage of in-patient, pre- and post-hospitalisation expenses, and road or air ambulance services.
They also offer additional facilities such as automatic restoration and assisted reproduction treatment, making them an excellent choice for families seeking comprehensive protection.
- Arogya Sanjeevani Policy
Arogya Sanjeevani Policy is a cost-effective and well-rounded health insurance plan developed to provide coverage for necessary health expenses, available through all top health insurers in India.
When considering health insurance plans age limit, it must be between 18 and 65 years (for dependent children, it should be between 3 months and 25 years). It offers coverage up to Rs. 10 lakhs for hospitalisation, AYUSH therapies, daycare treatments, and more.
Key Features of Health Insurance Plans for Family
Below is a list of key features in a majority of health insurance plans for a family:
- In-Patient Hospitalisation Charges
These plans bear the costs incurred during hospitalisation, including room rent (general or ICU or CCU), doctor’s consultation fees, nursing care, medicines, and screening tests related expenses.
- Pre-Hospitalisation Expenses
In addition to in-patient hospitalisation costs, these plans also cover the cost incurred up to 2 months before the date on which the patient was admitted to the hospital. These include doctors ’ fees, necessary medical tests, and treatments needed to detect the disease.
- Post-Hospitalisation Charges
The best health insurance plans for family also cover the expenses incurred even after you leave the hospital. It covers expenses such as follow-up visits, medicines, and therapies that are needed during the recovery phase up to 90 days.
- AYUSH Coverage
Some family medical insurance policies also cover alternative treatment expenses, such as Ayurveda, Yoga, Unani, Siddha, and Homoeopathy at AYUSH hospitals.
- Domiciliary Hospitalisation
If your patient cannot visit the hospital, they can be provided with a domiciliary hospitalisation benefit. These policies provide coverage for a specified period, as advised by a qualified medical professional and under the policy conditions.
- Ambulance Coverage
These policies also cover ambulance costs. Depending on which insurer you choose, you can benefit from road or air ambulance services.
- Treatment Coverage of Newborn Baby
Family health insurance plans may include the treatment expense of a newborn baby. Generally, such coverage starts from the 16th day after the baby is born and requires meeting several criteria.
- Modern Treatment Facilities
Some of the best family health insurance plans cover expenses of advanced-level treatments such as Oral Chemotherapy, Robotic Surgeries, Intra-vitreal injections, etc.
Things to Consider Before Choosing Health Insurance Plans for Family
Here are a few points you need to check when selecting a family health insurance plan in India:
- Claim Settlement Ratio
Always opt for an insurance company with a high CSR or claim settlement ratio. The higher the ratio, the greater the chance that the insurer processes most claims. This reduces your stress during billing and ensures smoother claim processing during heavy medical expenses.
- Cashless Benefit
Choose an insurer that offers the cashless hospitalisation facility to the insured members covered under a family policy. It eliminates financial stress and ensures quality treatment during emergencies.
- Vast Hospital Coverage
Select an insurer that offers an extensive hospital network, with over 14,000 facilities nationwide. A wider network ensures better access to quality healthcare and allows you to use cashless treatment conveniently, without making any upfront payments.
What is Excluded from the Family Health Insurance Policy?
Though these policies cover a wide range of expenses, they exclude the following expenses:
- Obesity or weight management treatments
- Vaccination
- Self-injury (Intentional)
- Infertility and Sterility treatments needed to be done outside India
- Treatment for alcohol or drug addiction
- Cosmetic or plastic surgery
- Treatment for injuries that occurred during adventure or hazardous sports
- Congenital external defects
- Dietary supplements and substances
Final Words
By purchasing health insurance plans for family, you can create a safety net for you and your loved ones in a very effective way. You give a single insurance premium and avail a plethora of benefits during unexpected medical emergencies, making you feel secure and obtain peace of mind in getting quality care without financial stress.
