If you want to safeguard your family’s future in the best way possible, then all you need to do is to purchase a well-rewarding family health insurance plan. There are numerous policies in the market, that you can opt for. Getting a proficient health insurance plan for parents, spouse and children will cover their medical requirements in the perfect way possible. If you are still confused about finding the right one for your family, here is an introduction and all the essential details about the family health insurance plans. Keep reading to know more!
What are family health insurance plans?
Family health insurance plans are one-of-a-kind health insurance policies. This is an ideal option to cover the entire family in a single policy. With family health insurance plans, you will get coverage for you and your family with a single premium. This means you need to pay various premiums & neither need an insurance plan for individuals. There is a wide variety of family health insurance plans, most of the health insurance plans for parents also cover spouses, parents-in-law, & children under the same policy.
Benefits of family health insurance plans
The benefits of family health insurance plans are infinite. However, some of the key benefits of this policy are that it provides health insurance plans for parents and other family members. Along with this, the family health insurance plans are also affordable & hassle-free. The premium of this policy plan is significantly low and you can individually manage your all policies. Also managing different policies is a rigid process, but when you have family health insurance plans, you can manage everything in one.
In addition, some other key benefits of such policies are that when you had a new member in your family, you do not need to make a health insurance policy against them. Health insurance for parents cover newborn babies and even your son in laws & spouse’s parents. Furthermore, another extra benefit of a family health insurance plan is a discount which depends on the age of family members. This insurance policy also offers maternity cover & other assistance to make a family safe & secure in the same plan.
Features of family health insurance plans
There is no doubt that family health insurance plans are the best of all health insurance policies. The features of this policy are providing health insurance plans for parents as well as offering a cashless hospitalization service for all members involved in the policy. Family health insurance plans also offer delivery expenses, terminations, c-sections, etc. under the policy. In addition, with this policy, you will get an accident cover and if you met with any permanent disability during the accident then the premium will be reduced by the insurer.
Best family health insurance plans
There is a vast mixture of family health insurance plans available in the market. Al the plans have benefits, but you need to find the ideal one as per your requirements. To begin with, one of the best health insurance plans for parents & families is Aditya Birla Activ Health Platinum Plan & Bajaj Allianz Health Guard Plan. These are perfect family health insurance plans, offering 2 Lac to 2 Cr & 1.5 Lac to 1 Cr sum insured respectively. Along with the sum insured, these policies offer OPD service, obesity treatment, home treatment, pre-post hospitalization expenses, day care procedures, road ambulance, maternity expenses, bariatric surgery cover, preventive health check-ups, & annual health check-ups. Some other widely popular family health insurance plans also include; Bharti AXA Smart Super Health Insurance Policy, Care Health Insurance Plan, & Cholamandalam Healthline Insurance Policy.