Want To Cover Your Family Too Here Are Best Family Health Insurance Plans In The Market
Published On Jul 30, 2021, Updated On Sep 17, 2021
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Health insurance policies protect an individual against the high medical expenses incurred during hospitalization. They come with various benefits and features to ensure that the applicant receives quality treatment without worrying about money. Health insurance policies are one of the wise choices that should be made on time to shield yourself and your loved ones. You can buy individual or family floater plans.
Family floater plans can cover all the members of your family, under a single sum assured with enough coverage for the people insured under the plan. There are plenty of family floater health insurance plans that are available in the market. Under such plans you can cover yourself, your spouse, children, and dependent parents. The number of relations under the plan can differ from insurer to the other. If one of the members of your family is suffering from a pre-existing critical disease, then it is advisable to not include them under family floater plans, as their treatments can be highly expensive and drain the resources for other members under the cover. In such cases, you can buy a separate add-on cover like a senior citizen plan, critical illness plan, etc.
Best Family Floater Health Insurance Policies To Purchase
Following is the list of some of the prominent and popular family floater health insurance covers that are available in the health insurance market at a good price:
1. Aditya Birla Activ Health Platinum Plan
This family floater cover can include you, your spouse, and children below the age of 25 years with an assured sum of money ranging from Rs. 2 Lakhs to Rs. 2 Crore. For pre-existing diseases, it comes with a waiting period of 48 months and provides medical support for ambulance charges, organ donor expenses, hospitalization expenses, wellness program services, and a lot more.
2. Bajaj Allianz Family Floater Health Guard Plan
This health insurance plan can cover your family of 6 members with sum assured options ranging from Rs. 2 Lakh to Rs. 10 Lakh. You get the benefit of lifelong renewability of policy under this cover and cumulative bonus of 5% for each claim-free year in a policy tenure. Tax deduction benefits under Section 80D of the Income Tax Act are also available for the taxpayer of this policy cover.
3. Bharti AXA Smart Super Health Insurance Plan
This plan covers you, your spouse, and children between the age group of 90 days to 23 years. The assured sum option of this plan ranges from Rs. 5 Lakh to Rs. 1 Crore, and it is available in different variants with various features to provide the customers with choices.
4. Care Health Care Health Insurance Plan
This family floater plan by Care Health Insurance has no maximum age limit for the customers. The sum assured for this plan ranges from Rs. 3 Lakh to Rs. 60 Lakhs, and covers around 6 family members under this plan providing enough coverage for each and every member insured under this policy. 30 days of pre-hospitalization and 60 days of post-hospitalization medical expenses are also looked after by the insurer under this plan. Other charges for ambulance, room rents, ICU charges, etc. are also included as a benefit for the policyholders.
5. Cholamandalam Health Insurance
With the assured sum of Rs. 2 Lakhs to Rs. 25 Lakhs, this health insurance cover is a best fit for your family and can cover you, your spouse, and children under the same plan. It comes in variants namely standard, superior, and advance, which provides the customers the choice to choose the plan that is suitable and affordable for them. ICU charges, doctors fees, OPD dental cover, maternity expenses, ambulance charges, etc. are a part of this plan for the policyholders.
Out of the above given plans you can compare and choose the best one for yourself anf your family, or you can research for more family floater plans by different health insurance providers. Read the terms and conditions of your plan carefully to make sure that your demands have been met in the policy cover.
Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.