Compare health insurance when you are buying one for your family

by Sujoy Bose Tax Manager

We Indians, more often than not, put our families ahead of our own preferences and comforts. We strive hard to ensure safety and well-being of our families. A family medical insurance goes a long way in protecting families without hurting your savings. All health insurance companies available in India offers health insurance plans for families. So you have to compare health insurance polices in order to pick the best health insurance in India.

Advantages of opting for family health insurance plans

When it comes to the protection of the family, a family mediclaim policy is lot better option than multiple individual health insurance plans for each member of the family. You can keep your spouse and children covered under one mediclaim policy by paying a single premium on your health insurance in India. Some of the best health insurance in India offers even broader coverage that includes parents and in-laws of the proposer as well.

 

The premium of family health insurance policies is also far less than the collective premium of several different individual health insurance policies. So, family medical insurance is the best health insurance in India to safeguard families.

 

Managing multiple individual health insurance policies is hazardous. It is better to maintain just one family medical insurance plan and in that case the chance of timely renewal of your family medical insurance policy will also be higher.

 

Most family medical insurance plans come with the provision of including new members as well. If and when your family grows in size, you can easily have the new member covered in the family medical insurance plan.

Why should you compare health insurance for families?

 

The market of health insurance in India is crowded with medical insurance providers. With each passing year, new health-insurance companies are mushrooming in the sector and competing each other to get the lion's share in the niche of health insurance in India. In a bid to win more customers than others, all these providers claim to offer the best health insurance in India. This is why you need to compare health insurance to avail the best online medical insurance policy for your entire family. The following are the chief aspects of health insurance in India for family that you need to compare health insurance about.

 

·         All online medical insurance plans designed for families come with the basic coverage that includes hospitalization expenses, expenses before and after hospitalization. You should compare health insurance plans on the basis of duration of coverage before and after hospitalization, sub-limits for room rents during hospitalization etc.

·         You should also compare health insurance in terms of premium for a fixed Sum Insured and buy the best health insurance in India that comes with the best premium for a high coverage.

Family online medical insurance plans that come with the facility to enhance Sum Insured on renewal should be your first priorities. The reputation and claim settlement ration of health insurance companies  are also important. 

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Created on Dec 19th 2017 02:50. Viewed 620 times.

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