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A Handy Guide to Family Health Insurance

Comprehensive Family Health Insurance Plan

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7.5% Discount
10% Discount

Your premium is Rs.

Above Premium includes 18% GST

I

93%

Claim Settlement Ratio (OND 2018)

II

7800 +

Network Hospitals across 500 cities

III

400 Lacs+

Lives covered

Family is the most important part of one’s life and the time we spend with them are the most memorable ones. No one wants to lose the charm, enthusiasm and the fun spent together. This is why it is important to take care of their well-being. In doing so, having family medical insurance can take off the stress and worry to a great extent.

With medical facilities and healthcare costs spiking up constantly, not having a family health insurance plan can turn out to be expensive in case a medical emergency. Apart from safeguarding your loved ones from illness/ sickness and other health issues, health insurance also offers tax benefits under section 80D of the Income Tax Act. So, if you are looking for things to consider before buying family health insurance then here’s a useful list to point you in the right direction: -

See for the Balance Between Premium and Coverage

While opting for a family health insurance plan it is only natural to be inclined towards a policy with a lower premium. But there is a downside to this which can’t be neglected. In many cases, the sum insured you have signed up for ends up being insufficient during a medical issue. So, it is highly recommended that you read all the clauses of sub-limits, deductibles and other important things before opting for a policy.

>> Check: Selecting the Best Family Floater Health Insurance

Getting the Right Insurer is the Key to Happiness

Picking up the right insurer is the key to happiness because if you know that the claim settlement process is quick and hassle-free, you can rest assured. To date, Care Health Insurance (Formerly Religare Health Insurance) has facilitated over 4.7 lacs+ claims services and has 93% claim settlement ratio along with 100% in-house settlement for better management.

So, search and pick a health insurer with a higher claim settlement ratio and shorter turnaround time for claim settlement. This will save you a lot of hassle at the time of emergency.

Pre and Post Hospitalization Coverage

There are several insurers that cover the medical expenses that the policyholder may incur during the time of hospitalization. However, there are a lot of clauses associated with this coverage. If you intend to give your family members a complete health cover, it is critical to thoroughly assess the extent of coverage that a family insurance plan offers in terms of hospitalization charges. A few insurers also cover expenses such as ambulance charges, all the medical tests, fee of the doctor, and other medical bills. So, it is wise that you choose a plan that delivers on all these fronts.

At the end of the day, your health and taking care of it is in your hands. Stay healthy and keep your health covered with a comprehensive health insurance plan from CHIL.

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