Family Health Insurance
Health insurance plans for family are single cover safeguarding the healthcare needs of your entire family, including your spouse, children, parents, and in-laws. It protects your family savings against hospitalization expenses during emergencies.
Avail Annual Health Checkup & Save Tax u/s 80D
Coverage for COVID-19 and Alternate treatment
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Coverage for Modern Treatment like Robotic Surgery, etc
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Health Insurance For Family
Family mediclaim insurance is a health insurance plan that covers the entire family under a single policy against unfortunate medical emergencies. The policys sum insured or coverage acts as a pool of funds for everyone to use. Moreover, when you plan a family expansion, you get the flexibility to add new members under this health insurance for family. Also, you can customise medical insurance for the family with preferred coverage amounts, optional covers like reduction in PED waiting period, unlimited automatic recharge, air ambulance cover, etc.
Health insurance plans for family have now become indispensable part of financial planning process after the pandemic. The extensive benefits of mediclaim policy for family will never disappoint you in the time of need. Thus, in the wake of so many catastrophes taking place all around, insurer providers have their main focus on the health insurance plans for family to keep all your worries at a bay.
Why Do You Need Health Insurance Plan for Family?
Heres why you should not ignore buying health insurance plans in India for your family:
The constant risk of infections and pandemic emphasises the need for round-the-clock medical care.
Lifestyle diseases like diabetes, thyroid problems, and hypertension are rising.
Medical care costs are rising, so healthcare may become unbearably expensive in the coming years. So, it is not too late to buy yourself and your family a family mediclaim policy that would secure you in times of crisis.
Yearly cancer cases in India have sharply increased over the years and are estimated to peak by 2025, making it imperative to consider health insurance plans for family.
Large number of Indians suffers from chronic conditions like cancer, heart ailments, diabetes, etc.
Benefits of Buying Health Insurance Family Plans
You can reap maximum benefits from family health insurance plans if you have decided to buy comprehensive health insurance plans for your family at the right time. Below listed are a few of the benefits you should be aware of beforehand-
Health Insurance policy for family offers comprehensive coverage, including in- patient care expenses.
Mediclaim for family comes with high-tech tracking that reduces the waiting time during the claim filing process.
With family health insurance plans, your family is entitled to claim Section 80D tax benefits, up to Rs 75,000, under the Income Tax Act on the premium amount paid for self, family, and parents.
Your entire family can be covered under health insurance plans for family.
Adding new members and renewing your policy is easy and convenient if you choose comprehensive medical insurance for family.
Enhance your coverage with robotic surgeries and therapies to treat critical illnesses at specialised healthcare centres under mediclaim policy for family.
With medical policy for family, you can insure two or more family members at affordable premium rates.
Add-on covers such as Covid care with OPD, reduction of PED waiting period, NCB Super etc. to increase the basic policy benefits.
What is Covered Under Family Health Insurance Plans
Medical insurance for family becomes the most worthwhile investment when you are in need, and you do not have any other financial backup except for mediclaim for family. Read on to learn about the benefits of Medical Insurance for the family:
Annual Health Check-up
Your health is precious, and thats why insurance provider provides annual health check-ups for all insured family members. Health checks help track ailments early on.
Domiciliary Hospitalisation
Some health plans offer this benefit where the domiciliary care medical expenses are covered up to a specified period.
Day Care Treatments:
The cost of more than 540-day care treatments for minor ailments or injuries completed within 24 hours is covered.
Organ Donor Expenses
Covers the medical expenses that are incurred on treatment of an organ donor while undergoing the organ transplant surgery.
AYUSH Treatment
Under Ayush treatment benefit, policyholders can get Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy treatment reimbursed by the health insurer..
Exclusion
Tests and treatment relating to infertility and in vitro fertilisation
Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
Expenses arising out of or attributable to alcohol or drug use/misuse/abuse
Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
War, riot, strike, nuclear weapons induced hospitalisation
Disclaimer: For a complete list of exclusions about family mediclaim insurance, please refer to policy T&C.
How to Buy Best Health Insurance Plans from BIMAFINSERV ?
Buying health insurance can be easy if you approach the right channel. Having said this, Bimafinserv.com can be a good platform for choosing the right insurance policy. Bimafinserv Insurance Broker Private Limited has made the process of comparing & buying a health insurance policy easier in comparison to earlier days. A person has easy access to complete details of almost all health insurance plans available in the Indian insurance market at a competitive price.
Bimafinserv.com helps you to compare numerous health insurance plans and zero down on the plan that best fulfills your needs. Moreover, the post-sale services are extended to the customers online as well even at the time of medical insurance claim.
