Best Family Medical Insurance

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Family Health Plan

A family health plan, as the name implies, is a familiar with family insurance tailored to families. It is quite similar to the individual health plan with an added benefit of medical care to the whole family. The main key features are:

  • Compare the family health plan of the major insurers
  • The lowest premium in the family health plan
  • Immediate family health plan

The customer has the possibility to complete a full health insurance, which includes:

  • Car
  • Spouse
  • Children
  • Parents

A family flutter is the best family health plan when it comes to protecting the health of your loved ones. It is a unique policy for the whole family, relieved by the task of buying and maintaining different health insurance policies for every member of the family. As a rule, the Float family health plan provides individual coverage of a spouse and children. However, there are some insurance companies that offer family health plans to cover brothers and sisters, parents and parents-in-law as well. The Family Floater Health Plan is the best option if you want to cover health insurance of your spouse, children and parents.Best Family Medical Insurance

Choosing a Best Family Medical Plan

The concept of the family health plan is enormously popular among individuals. In addition, more than 30 general insurance companies that offer health insurance plans in India, the choice of a better family health plan is no longer a difficult task.

Best Family Health Plan

Insurance Company Family Health Plan Age Sum Assured Pre & Post Hospitalization Pre-existing Diseases
Bajaj Allianz Health Insurance Family Floater Health Guard 18 to 65 years; 3 Months to 25 years as dependent children Minimum=2 Lakh;
Maximum=10 Lakh (entr age<=55 years); 5 Lakh (entry age>55 years)
Pre-hospitalization: 60 days; Post hospitalization: 90 days After a waiting period of 48 months
Star Health Insurance Family Health Optima Insurance Plan 18 to 65 years; lifelong renewability after 65 years of age; dependent child from the 16th day Minimum=1 Lakh; Maximum=15 Lakh Pre-hospitalization: 30 days; Post hospitalization: 90 days (7% of total expense max up to Rs. 5, 000) After a waiting period of 48 months
National Insurance Company National Insurance Mediclaim Policy 18 to 60 years; 3 Months to 25 years as dependent children; renewability up to 65 years of age Minimum=50, 000 Lakh;
Maximum=5 Lakh
Pre-hospitalization: 30 days; Post hospitalization: 60 days After a waiting period of 48 months
New India Assurance Family Floater Mediclaim Policy 18 to 60 years; 3 Months to 18 years as dependent children; lifelong renewability Minimum=2 Lakh;
Maximum=5 Lakh
Pre-hospitalization: 30 days; Post hospitalization: 60 days After a waiting period of 48 months
United India Health Insurance Family Medicare Policy 18 to 80 years; 3 Months to 18 years as dependent children; lifelong renewability Minimum=1 Lakh; Maximum=10 Lakh Pre-hospitalization: 30 days; Post hospitalization: 60 days subject to max up to 10 percet of sum assured After a waiting period of 48 months of continuous renewal with the company
Oriental Insurance Company Happy Family Floater Policy 18 to 65 years; lifelong renewability after 65 years of age Minimum=1 Lakh;
Maximum=10 Lakh
Pre-hospitalization: 30 days; Post hospitalization: 60 days After a waiting period of 48 months of continuous renewal with the company
SBI General Insurance Smart Health Insurance 18 to 65 years; 3 Months to 22 years as dependent children Minimum=1 Lakh;
Maximum=5 Lakh
Pre-hospitalization: 30 days; Post hospitalization: 60 days After a waiting period of 24 months

 

Top 7 Benefits of a Family Health Plan

This family health plan is a comprehensive plan in which you can cover the whole family under a plan. This plan is suitable for huge families, where members vary greatly depending on the age of a child and grandparents. You can take all members, regardless of age, under an umbrella of a plan. The top 7 benefits are as follows:

  1. No Complications

A family health plan in India is the best way to protect the health of your loved ones. In view of the fact that it is a single policy covering the whole family, the task is to maintain and monitor the different health policies. When choosing a family float health plan, you can get rid of the need to pay a premium separately for each member of the family. In this way, you can get all the beneficial family members to get medical care.

  1. Discounts on Medical

Within the family, you can get the benefit from the reductions and incentives proposed by the policies. On the basis of certain parameters allows a person to reduce accordingly. The family health plan is an easy way to plan a safe future.

  1. Easy To Add New Family Members

In this Mediclaim plan, it is simple to add a new member of the family. This is one of the utmost benefits accessible by a family health plan. In the case of the death of any family member, the other family members can continue without losing any benefit.

  1. Including Parental Insurance and Internal Legislation

Many insurers provide an option to incorporate laws at an extra cost, making it the best health insurance for parents on both sides of the family.

  1. Continuous Insurance Policy

Many insurers now have a 2-year insurance option. This allows continuous and uncomplicated coverage without increasing the premium for the selected rental.

  1. Attractive Features

Features like maternity and newborn baby cover make it an attractive option for young couples. These features typically come with a waiting period.

  1. Tax Advantages

The insurance premium paid in the non-cash mode is to be invoked according to Section 80D of the Income Tax Act. You can now get benefit from a total of Rs 55,000 as a tax benefit that includes Rs25,000 for you and Rs 30,00 for parents or elders in your family.

END RESULT:

We all love our loved ones and it is necessary to take good care of them. This is what a Family Medical Insurance is for. Get your best Medical Insurance today and save your loved ones future!

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