Types of Family Health Plan

Types of Family Health Plan : A family prosperity configuration is a sort of medical scope, which covers in excess of one individual from a family for a settled aggregate ensured in kind for a singular yearly premium. Such a policy gives ensured extension to no less than two people from a family meanwhile, if they get hospitalized or an affliction is broke down. A family prosperity configuration is endorsed to a family with a better than average medical history.

A family prosperity outline generally covers a family (you and your mate close by up to 4 adolescents) while some insurance associations empower you to fuse your people in your present medical scope policy. You may in like manner be allowed to consolidate your in-laws (more far off family people) in your present family floater medical scope policy at a cost of additional premium. Guarantee your whole family.

• Compare Family Health Plan from Top Insurers
• Lowest Premium on Family Health Plan
• Instant Family Health Plan Online

The possibility of family prosperity configuration is expanding gigantic reputation among individuals. In like manner, with in excess of 30 general insurance associations offering medical scope outlines in India, picking a best family prosperity configuration is no more a staggering endeavour.

Basic access to web isn’t simply adding to one’s comfort of acquiring family floater prosperity outlines, yet it is in like manner including more prominent commitment individuals to take in all complexities of the medical scope plans before settling on an extreme conclusion.

Types of Family Health Plan

A family prosperity configuration offers degree to all relatives subject to the policy terms. In light of the sorts of prosperity scope offered, a medical scope configuration can be completely orchestrated into two characterizations indicated underneath;

1. Medical Insurance:

A medical insurance policy regularly reimburses the hospitalization cost subject to social insurance treatment. The insurance association bears the cost as cashless treatment or reimbursement.

1. Critical Illness Insurance:

This kind of policy covers a policyholder against consistent diseases like heart ambush, stroke, kidney dissatisfaction et cetera. Subject to policy scope, the insurance association pays the entire total ensured to the policyholder as a solitary sum. In any case, essential affliction insurance can’t be purchased as a single policy for the entire family.

Best Family Health Plan:

Insurance Company	Family Health Plan	Age	Sum Assured	Pre & Post Hospitalization	Pre-existing Diseases
Bajaj Allianz Health Insurance	Family Floater Health Guard	18 to 65 years; 3 Months to 25 years as dependent children	Minimum=2 Lakh; Maximum=10 Lakh (entr age<=55 years); 5 Lakh (entry age>55 years)	Pre-hospitalization: 60 days; Post hospitalization: 90 days	After a waiting period of 48 months
Star Health Insurance	Family Health Optima Insurance Plan	18 to 65 years; lifelong renewability after 65 years of age; dependent child from the 16th day	Minimum=1 Lakh; Maximum=15 Lakh	Pre-hospitalization: 30 days; Post hospitalization: 90 days (7% of total expense max up to Rs. 5, 000)	After a waiting period of 48 months
National Insurance Company	National Insurance Mediclaim Policy	18 to 60 years; 3 Months to 25 years as dependent children; renewability up to 65 years of age	Minimum=50, 000 Lakh; Maximum=5 Lakh	Pre-hospitalization: 30 days; Post hospitalization: 60 days	After a waiting period of 48 months
New India Assurance	Family Floater Mediclaim Policy	18 to 60 years; 3 Months to 18 years as dependent children; lifelong renewability	Minimum=2 Lakh;  Maximum=5 Lakh	Pre-hospitalization: 30 days; Post hospitalization: 60 days	After a waiting period of 48 months
United India Health Insurance	Family Medicare Policy	18 to 80 years; 3 Months to 18 years as dependent children; lifelong renewability	Minimum=1 Lakh; Maximum=10 Lakh	Pre-hospitalization: 30 days; Post hospitalization: 60 days subject to max up to 10 percet of sum assured	After a waiting period of 48 months of continuous renewal with the company
Oriental Insurance Company	Happy Familt Floater Policy	18 to 65 years; lifelong renewability after 65 years of age	Minimum=1 Lakh; Maximum=10 Lakh	Pre-hospitalization: 30 days; Post hospitalization: 60 days	After a waiting period of 48 months of continuous renewal with the company
SBI General Insurance	Smart Health Insurance	18 to 65 years; 3 Months to 22 years as dependent children	Minimum=1 Lakh; Maximum=5 Lakh	Pre-hospitalization: 30 days; Post hospitalization: 60 days	After a waiting period of 24 months