Gift your Family the shelter of adequate health cover?Posted by sanjay on July 27th, 2016 Due to the increasing medical costs, complex treatment procedures and growing risk for healthy life because of rising pollution, extreme weather conditions etc. it has become imperative to buy a suitable health plan to secure your family from future health issues. Although it has become a necessity most of the time adequate care is not taken while purchasing a health policy in India. At times, insurance claims are disapproved because the insured person fails to offer all necessary details, many a times due to ignorance or at times purposely because of the fear that it might be rejected by the company for them. While taking a plan for your family it is important to take many things into consideration like individual health scenarios, hereditary disorders, income source, nearest hospital for treatments etc. An effective family health insurance plan will help you cover your family during such medical crisis time. Everyone wants to see his or her loved ones happy. But there can be unfortunate incidences anytime that can bring distress to family members. They might face an accident or unforeseen event, which might be the reason for financial crisis. And the spiraling costs of medical treatment make it difficult for a person to pay for quality healthcare services. Many families get victims of financial stress while settling medical bills for their loved ones. Thus, family health insurance would be an ideal solution to help insured and his or her dependents to seek quality healthcare without any financial worries in minds. A family plan covers the entire family health costs which many include an insured, spouse, dependent children, parents or siblings as well. Thus, a single policy offers health cover to all. Secondly, it becomes quite affordable to pay premiums on the policy compared to individual policies. Family floater insurance in india are real stress busters for people. Insured individuals and their dependents can have a better lifestyle and can seek quality treatment in empanelled hospitals without any financial stress. An efficient family health plan provides coverage for a family of around 4 individuals. However, there are many health insurance providers in the country who have introduced medical policies that can provide cover for family including parents as well. Such plans are boon for those individuals who wish to provide extended medical coverage for their family members. Health plans are always helpful as they give tax benefits to people under section 80-D of the IT act. There are lots of insurance companies in India that offer family health insurance plans. But one should look for a policy that suits best his or her needs. One single insurance plan gives health protection to all! Some of the key Benefits of Family health plans •It saves tax under sec 80D of Income Tax Act • You get Instant policy, no documentation, no medical test up to 50 years •Get pre & post hospitalization coverage of expenses up to 30 and 60 days respectively •Cashless facility across 3,000+ empanelled hospitals •Covers pre-existing diseases after 4 years •Gives Cumulative bonus for every claim free years from 5% up to 50 % •TPA Service – You can avail benefit of 24 hours helpline service, Ambulance Referral Service, track claims online, upload medical documents online Nothing is merrier than good health. The best ever gift for your loved ones would be purchasing a family health insurance, as it will help you or them to deal with health emergencies and save them from any major health crisis in near future. Like it? Share it! More by this author |