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Advantages of Family Health Insurance
The Mediclaim policy offers comprehensive protection to your family by covering all the medical needs. You can avail of benefits like outpatient treatments, international hospitalization, and maternity in this policy.
Once you buy individual health insurance, you can renew the policy for a lifetime. This means that you can avail of the lifelong cover against expensive hospitalization costs and enjoy financial protection.
Family health insurance offers protection against higher hospitalization costs by taking care of out-patient treatment, in-patient care, lab test, and day-care procedures. AYUSH treatment can also be covered.
Many family floater health insurance plan offers free health check-ups periodically after every claim-free year. You can avail such medical check-ups via cashless at empanelled hospitals and diagnostic centres.
Benefits of Family Health Insurance
Cashless ClaimsAll family health insurance companies in India offers cashless hospitalisation facility which means you do not have to pay in cash for the treatment. This facility offers financial relief in case of emergencies.
Daily hospitalization expenses and surgery cost can be covered under the cashless facility and are paid directly by the insurer.
Cashless health insurance plan relieves the stress on you and your family to arrange the cash for hospitalization.
Day Care Surgeries CoveredIndividual health insurance offers coverage for more than 140 day-care procedures which require hospitalization for less than 24 hours.
The policy covers expensive treatments such as cataract, radiotherapy, chemotherapy, angiography and dialysis under day-care treatment.
Disease diagnosis tests such as liver biopsy or lipid profile which does not require hospitalization are covered.
Less Room-rent CappingRoom rent capping is the most important aspect of health insurance coverage. It is basically a limit on the maximum amount you can avail to cover your daily room rent in the hospital.
There are various types of room-rent limits available such as a private room or shared room limit, fixed amount or percentage of the sum insured and no-limit on room rent.
Room rent sub-limits impact medical expenses like doctor fees and nursing charges. Hence you should choose rooms wisely during hospitalization.