Family Health Insurance Plan
About Family Health Plan
The most popular form of health insurance in the market, indemnity-based health insurance plans, more commonly known as “Mediclaim”, cover the costs you have incurred. These plans provide cashless hospitalization or reimburse you for any expenses incurred in the event of hospitalization and also cover expenses associated with diagnostic or screening requirements before hospitalization or post hospitalization medical care. The Mediclaim policy can be offered as Individual health insurance.
Made for families, a family floater medical insurance policy provides coverage to the entire family under a single sum insured.
Under this, a fixed sum insured is available for any or all the members insured for one or more claims during the tenure of the policy. Thus, if any of the insured members falls sick and needs hospitalization, the sum insured of the policy can be utilized by them.
A family may include individual, spouse, dependent children, parents and parents-in-law.
In a family floater policy, the sum insured is shared by all the family members. Thus, if one member ends up using a large portion of the sum insured, the other member may fall short of cover when needed.
Many Plan offers a Restore Benefit wherein your base sum insured is restored in case the entire sum insured gets exhausted in a policy year. This way, your family can still get coverage even if one member has used up the sum insured.
Why Can You Trust on Medi-Claim Policy for Your Health ?
No Claim Bonus
With the Medi-claim policy, if you have a claim-free year, company will increase your base sum insured by 5% or 10% or 20%, at no extra charge.
Wide sum insured options
Choose from a wide range of sum insured and get health insurance policies with innumerable benefits and features.
Take advantage of quick cashless claim authorization and access world-class healthcare facilities Pan-India.
Claim tax deduction on the health insurance policy premium under Section 80D of the Income Tax Act.
Protection against health emergencies
Medical emergencies come unannounced. When you buy a health insurance plan, you will be relieved of the stress that accompanies troubled times, especially when funds are lacking. You will be able to access quality treatment and will not need to compromise on your health. Your dreams and plans that rely on your hard-earned savings will remain in place while you get the quality healthcare you need.
With the Health Insurance Policy, if you exhaust your entire sum insured during a policy year, Company will restore the base sum insured back for usage for any new illnesses, without any paperwork or any extra charge!
Stay Active benefit
Medical insurance plans are most useful when they help you stay healthy. Health policies offer the Stay Active benefit wherein you can avail up to discount on premium at the time of renewal for the steps you take in a day. You simply need to download Health app on your phone, sync it with Google Fit or Apple Health and aim to walk 10,000+ steps every day to earn the discount. Walking is one of the most beneficial things you can do for your health & fitness and company aim to encourage you to incorporate this activity into your daily routine.
Reasons To Choose Family Health Plan
Up-to 34+ Critical Illness covered
Just like you need a bigger umbrella to save yourself from heavy rain, you always need a plan with wide coverage and that’s why we provide you with best the available comparison from the market.
Lump Sum payment in a single transaction
We know you do not like the additional stress of checking with the insurance company about the money clearances and that’s why we pay the tax-free Sum Insured in a single transaction.
The role and importance of the primary breadwinner of a family are paramount. If something happens to them, the family’s financial future will be severely affected. The family may even have to face unpleasant financial situations. That’s why earning members of a family must buy critical illness insurance cover, especially if they have a medical history.
The policyholder can avail tax benefits under the Income Tax Act, 1961. Tax exemption of up to Rs. 25,000 can be availed under Section 80D of the Income Tax Act, 1961. Senior citizens can avail tax benefit up to Rs. 25,000 under the same section.
The procedures that you undergo before getting hospitalized finally lead you to a hospital, such as investigative tests and routine medication, can be quite financially draining. We cover the medical expenses incurred by you up to 30 days before your hospitalization.
Expenses don't end once you're discharged which is why even we don't rest unless you're completely ready to take all the challenges of life head on. We reimburse expenses such as doctor consultations, Diagnostic tests, medications etc. that you incur up to 60 days post your hospitalization.
Company Will pay for - room charges, nursing expenses and intensive care unit charges, surgeon's fee, doctor's fee, anesthesia, blood, oxygen, operation theater charges, etc.; If you are admitted to a hospital for in-patient care, for a minimum period of 24 consecutive hours.
Company will reimburse every expense occurred while you're staying in single or private room. You can also upgrade your room should there be a need to and is recommended by a treating doctor.
In time of an emergency Company believe your focus should be only on your recovery. Hence we take care of those ICU charges that come in your way of getting a quality treatment.
Company Provide utmost concern that you get the medical attention, you require as soon as possible, especially in an emergency. Which is why, we reimburse expenses incurred by you while availing a domestic road ambulance during your hospitalization. Not just this, some plans of our product care also offers coverage for availing an Air Ambulance if suggested by a doctor.
In case of an emergency or a medical condition that does not allow you to get admitted in a hospital, Company Will provide coverage for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days. So nothing should delay the treatment you deserve.
Annual Health Check-Up
Company believe in the old adage that an ounce of prevention is better than a pound of cure. This is why we give an Annual Health Check-up for yourself and all members covered by your policy, including children.
Automatic Recharge of Sum Insured
Keep your worries regarding medical expenses outside the door with Automatic Recharge of Sum insured. If you ever run out of your health cover due to claims made, Company will reinstate the entire Sum Insured amount of your policy. This additional amount can be used by you for any other ailment or by any other insured member for treatment of any ailment
Company raise a cheer to good health for every year that you don't claim by increasing your Sum Insured by 5% OR 10% OR 20%, up to a maximum of 100% OR 200% in Consecutive Years.
Organ Donor Cover
We care about those who help you as much as we care for you. So, beyond ensuring that your medical needs are met, we will reimburse you for medical expenses that are incurred by an organ donor while undergoing the organ transplant surgery.
Reassurance Of Second Opinion
Sometimes reassurance works better than the cure itself. Which is why if, at any moment you feel uncertain about your diagnosis, you can opt for a second opinion at no extra cost specially arranged by us.
Company don't leave you in between the journey and honor our commitment by giving our customers option of lifelong renew-ability i.e. once enrolled an individual can continue to stay covered throughout one's life, provided they renew their policy on time every year.
Even alternate treatments are covered
Company understand that sometimes non-allopathic treatments may prove to be more effective. Whether it is Ayurveda, Unani, Siddha or Homeopathy, choose the treatment that suits you and we will cover it up to a specified limit and varies according to the plan chosen.