Best Mediclaim Plans for Your Family

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Best Mediclaim Plans for Your Family

• Life is beautiful when it is enjoyed with your
  loved ones. To ensure happiness of your family,
  you must stick to a financial strategy combining
  both life insurance and health insurance
  policies. If you cant afford individual health
  insurance for every member of the family, it is
  better to opt for a family floater health
  insurance policy. In the following paragraphs, we
  are going to highlight some of the best family
  health plans available in India.

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 What is Family Floater Health Insurance?

• A family floater health insurance is a single
  policy that covers many members of the same
  family. It comes with single premium facility
  once a year. In such health plans, you can
  allocate the sum assured among family members as
  per their health condition.

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Why Do You Need Family Floater Health Insurance?

• It is not always possible for us to take
  individual health insurance policies for every
  family member. Family Floater Health plans covers
  your whole family which saves the huge cost for
  individual plans without compromising the health
  coverage. Apart from medical expense coverage,
  such plans attract tax benefit under Section 80D
  of the Income Tax Act. Some family floater plans
  comes with the option of 100 restoration/top-up
  of sum assured in case you have exhausted the
  total sum assured for the same year.

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Best Family Floater Health Plans in India

• Almost every Indian insurance provider offers
  family floater health insurance plans. Here, we
  are going to a explore some of the best plans
  available currently in India.

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1. Happy Family Floater (Oriental General
Insurance)

• This family health plan is designed to cover
  almost every one of your family including self,
  spouse, children, parents and parents-in-laws.
  The policy is available in two variants like Gold
  and Silver. It gives expenses related to
  hospitalization charge, attendant allowance
  (under Gold plan) and ambulance service charge.

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2. Complete Health Insurance (ICICI Lombard)

• In this plan, there is no maximum entry age and
  insured person need not to go for any medical
  examinations if he/she is below the age of 46
  years. It includes self, spouse, children and
  parents. At least one proposer has to be 18
  while opting for the plan. The policy covers
  expenses related to hospitalization, medicine,
  surgery and room charges.

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3. Heartbeat Family First Gold (Max Bupa)

• This family floater plan bears medical treatment
  cost of any insured family members admitted in
  the in-patient care. It covers both Pre and Post
  Hospitalization charges. It offers additional
  maternity benefit along with health insurance for
  the new-born. The plan does not have any entry
  age limit.

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4. Optima Restore Policy (Apollo Munich)

• The policy covers both pre and post
  hospitalization charges. Prehospitalization will
  be covered for 60 days prior and
  post-hospitalization will be covered for maximum
  180 days. It includes in-patient care for 24
  hours and more. It comes with additional coverage
  for the donor at the time of organ transplant. A
  handsome amount can be availed if you choose
  shared accommodation in network hospitals.

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5. Family Health Guard (Bajaj Allianz

• Family Health Guard from Bajaj Allianz covers pre
  and post-hospitalization expenses.
  Pre-hospitalization cover will be given for 60
  days prior while post-hospitalization covers up
  to 90 days. Insured member is eligible for up to
  Rs. 1000 as ambulance charge. Under this plan,
  the whole family can avail medical check-up for 4
  consecutive years.

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Conclusion

• In order to get complete health coverage for your
  family, you must consider family floater health
  plans as a lucrative option.
• For more information about family health plans
  visit our website
• https//www.policybazaar.com/health-insurance/fami
  ly-floater-health-insurance/
• Thank you