Benefits of Buying a Family Floater Health Insurance Plan
You work so hard to meet the needs of your family, to ensure that they remain hale and hearty. That is why you would want to invest this hard-earned money in the best possible manner - to further safeguard your loved ones’ future. But is that achievable in today’s time when the prices of all essential commodities and services are on the rise? With a bit of planning, yes, it is!
Among all the essentials required for healthy and happy living, medical services are the most important. Would you want to spend your hard-earned money to provide a good life for your loved ones or pay for medical expenses? We know which one we’d prefer.
It is of prime importance to buy a comprehensive family medical insurance plan in order to avoid spending large sums of money on hospital bills, medication, and other healthcare expenses. Listed here are some of the benefits of buying family floater health plan: -
Your comprehensive health insurance family plan takes care of pre-hospitalization charges that include all the procedures that you or any of the insured family member(s) undergo before getting hospitalized, such as diagnostic tests and routine medication. The medical expenses which are borne by you up to 30 days before your hospitalization are duly covered as part of the plan.
The expenses incurred by you while availing a domestic road ambulance during your or your insured family member (s)’s hospitalization are taken care of by the insurer. Further, some health insurance family plans also cover air ambulance expenses.
In-Patient Hospitalisation Cover
The In-patient hospitalization cover includes an extensive range of expenses incurred by you or your insured family member(s) during hospitalization. These comprise room charges (single/shared), nursing expenses, intensive care unit charges, surgeon's fee, doctor's fee, anesthesia, blood, oxygen, and operation theatre charges, and more.
Buying a comprehensive family health insurance plan from a reputed insurance provider makes sure that you or your insured family member (s) recover well without worrying about post-hospitalization expenses such as doctor consultations, diagnostic tests, and other medications that continue after getting discharged.
Domiciliary Hospitalisation Cover
In case of an emergency or a medical condition that does not allow you or your insured family member(s) to get admitted to a hospital, the insurer provides coverage for medical expenses incurred during the treatment at home for a definite period of time.
Annual Health Check-Up
Your family health insurance plan includes an annual health check-up for yourself and all members covered within the policy, including children.
Organ Donor Cover
Organ Donor Cover includes medical expenses that are incurred by you or your insured family members’ organ donors while undergoing organ transplant surgery.
With the provision of lifelong renewability, you and your insured family member(s) can continue to stay covered throughout your life, provided you renew the policy every year.
Looking at the benefits above, buying a health insurance plan for your family is indeed a wise decision.
Care Health Insurance (Formerly Religare Health Insurance) (CHIL), with 93% claim settlement ratio and a wide network of 7400+ hospitals, is a trusted insurance provider that offers an exclusive range of comprehensive health insurance plans to cater to diverse healthcare needs.