userFamily health insurance is an investment in cashless health infrastructure. It is also a shield for the whole family. Actually, people hope that they will have everything when it is needed. But it is not health complications can be serious. Due to the lack of medical inflation, the rate of healthcare expenses is a new reason. In recent times, the quality of healthcare has been demanding. Ao, for these days, medical insurance is something that will hold your family. In this article, we will explore the details of the best health insurance plans for families that are accessible by Care Health Insurance. As a first-time buyer of family floater health insurance, it is crucial to know everything about the health plan before acquiring it. So, let’s get started.
Why do you need a family health Insurance?
To understand why you need insurance, you first need to understand what it is, so it is basically a single plan, unlike individual health insurance, which concealments a single person; in the health insurance policy for a family, multiple family members can be covered. Anyone can use the sum covered as required. Here is an illustration for better understanding:
Dishan, a 33-year-old working professional, has corporate health insurance offered by his company. However, considering the uncertainties of life, he has also participated in a separate health insurance plan for his entire family. His family consists of 5 people, including his 32-year-old wife, two children aged 6 in addition 4 years, and his 68-year-old father-in-law. Ramesh has purchased medical insurance for his family from Care Health Insurance. The plan has a sum insured total of ₹25 lakhs. After 6 months of purchasing the plan, his father-in-law fell sick, and ₹5 lakhs was used from the sum protected limit. A month later, one of his kids fell from the stairs and got his leg broken, which was an extra ₹50,000 medical expense.
Types of Care Family Health Insurance
At Care Health Insurance, you get a range of affordable family health insurance to select from. It is best to first analyze your needs and then compare the health insurance plans to choose the best one. Some of the medical insurance for families offered by Care are:
Care Supreme Health Insurance
With comprehensive and unique coverages under Care Supreme, the whole family can benefit from it. The policy has no sub-limits on vital features. The sum insured options are ₹ seven lakhs to ₹ one crore. Unlimited recharge, cumulative bonus, cumulative bonus super, 30% restitution discount, unlimited e-consultations, wellness benefit, no claim waiting period for the same person, same illness, etc., are some of the USPs of this plan.
Care Senior Health Insurance
Care Senior Plan is specially designed for a family’s senior citizens. This policy can be purchased without any prior medical check-up. The sum protected ranges from ₹3 lakhs to ₹10 lakhs. Zone-based premium, no pre-policy medical check-up, annual health check-up, AYUSH coverage, 150% increase in SI with NCB super (optional), smart select, cataract coverage, etc. are about the single features of this plan.
Care Advantage Health Insurance
Yet another popular family floater health insurance plan, the Care Advantage plan, is a high-sum insured plan. This inclusive health plan covers all your family members and has a sum covered ranging between ₹25 lakh and ₹6 crores.
Exclusions of Family Floater Health Insurance
Some of the health conditions remain uncovered. These are named exclusions of the plan. In a family floater health insurance, the following situations are usually not covered:
- Self-injury like suicide or attempt to suicide
- Physical injury due to drug addiction
- Wars, riots, in addition, mutiny effects
- Treatment cost of clinically unproven tests
- Sex change/transformation expenses
- Infertility or sterility treatments
- Congenital diseases.
Add-ons to Expand the Coverage
Add-ons are the additional coverage that you purchase along through a health insurance plan. It is optional, so you may or may not choose to invest in it. Following are the common add-ons with medical insurance for families:
- Reduction in PED Waiting Period: PED refers to pre-existing diseases. This add-on reduces the 36-month coming-up period to 12 and 24 months.
- No Claim Bonus Super: With this add-on, the No Claim Bonus Super, you can surge the sum insured. Up to 50% of the sum insured can be increased for each claim-free year.
- Co-payment Waiver: In a family health insurance plan, if there is an insured affiliate above 61 years of age, 20% of the co-payment can be waived with the co-payment waiver
- OPD Care: OPD can cost you significantly. Having an OPD Care cover offers up to ₹50,000 sum insured for OPD expenses, which can be claimed 2 times annually.
- Room Rent Modification: With the Room Rent Modification add-on, the insured/patient can pay for a single private room during hospitalization.
- Smart Select: At one of the Smart Select network hospitals, the insured can avail of a 15% discount with Smart Select add-on cover.
- Protect Plus: The Protect Plus add-on is available for medical insurance for families above & 25 lakh sum insured options. It offers medical treatment coverage for planned hospitalization outside India.
Air Ambulance Cover: With the air ambulance add-on cover, the patient gets the coverage for the air ambulance required to shift the patient from one place to another. - Wellness Benefit: Wellness benefits recompense you for achieving healthy goals and staying fit up to 30% discount in health insurance percentages during the renewals.
Summing Up
The health and safety of the family is of utmost concern for any individual. To get one of the best healthcare shields for your family, you may select Care Health Insurance. With 24800+ network healthcare providers, Care Health Insurance offers quick and easy claim settlement procedures. The affordable family health insurance of Care has benefitted many families so far. Get yourself and your family covered today under medical insurance for your family to have the much-needed mental peace.
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Rahul Khanna
