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Family Health Insurance Plans

 

Just as you protect your medical contingencies with a health insurance plan you should also ensure coverage for your family members so that their health complications do not put a dent in your savings. A family health insurance plan covers the family under a single health insurance plan and is also called a family floater health insurance plan. The plan extends the much-needed health cover to dependent family members at reasonable costs. Here are some salient features of a family health insurance plan:

Coverage

All basic coverage features are present in every family health plan like pre hospitalization, post hospitalization, in-patient hospitalization, day care treatments, ambulance costs, etc. Moreover, different plans also provide coverage for maternity expenses, domiciliary treatments, organ donor expenses, etc.

Members covered

A normal family health insurance plan covers you, your spouse, dependent children and dependent parents. Some health plans also cover siblings and other relations under a family coverage.

Renewability age

Though family health insurance plans provide lifelong renewability for family members, dependent children are covered only up to a maximum age of 23 years or 25 years depending on the plan features.

Basis of coverage

Family floater plans offer one Sum Insured which is shared between the family members. If any member falls ill, he can claim up to the Sum Insured. However, if another member falls ill within the same policy period the remaining Sum Insured would be paid.

Claim process

A family health plan might either settle your claims through its cashless facility or through reimbursement. Under cashless feature, the hospital bills are directly settled with the hospital without you having to shoulder the burden. In case of reimbursement you would have to pay the bills and then the company would reimburse you for the expenses incurred.

Paybima offers you a choice of different health insurance plans for family. You can easily compare the different policies on their coverage features and premium rates and buy or renew family health insurance online. The online mode cuts down on unnecessary hassles and lets you buy the policy easily. So, the next time you are considering buying a health insurance plan for family visit Paybima and find the best plan.