Why Should You Buy a Mediclaim Policy for Family
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Benefits of having Mediclaim Policy for Family
While you can buy separate mediclaim policies for individual family members, it is typically a better option to purchase a family floater mediclaim policy. This type of mediclaim policy for family members ensured that all you and your dependants are all covered under a single plan. Here are some more benefits that mediclaim policy for family offers you:
- Single Premium to Cover all Family Members
- Single Premium to Cover all Family Members
- Premiums are reasonable
- Premiums are reasonable
- Every person who is covered receives extensive coverage
- Every person who is covered receives extensive coverage
- Coverage for Multiple Types of Medical Costs
- Coverage for Multiple Types of Medical Costs
- Section 80D Tax Benefits
- Section 80D Tax Benefits
As a result, mediclaim insurance for family policies are an excellent choice for your family's health insurance needs. These plan are easy to purchase, covers all members, and is reasonably priced. So, ensure your family's health by investing in a family mediclaim policy.
Factors You Should Consider Before Buying a Mediclaim Policy for Family
It is critical to protect your family against financial hardships that may arise as a result of unforeseen medical expenses. It is possible to do so by purchasing a family floater mediclaim policy. Choosing the best mediclaim policy for family might be difficult. As a result, before you take on this obligation, you should consider the following:
1. Whether the amount insured is sufficient to protect your family
2. Check the premium payable
3. How extensive is the insurer's hospital network
4. Check to see if pre-hospitalization and post-hospitalization charges are reimbursed
This will ensure that you do not have to pay out of pocket for expenses related to medical tests and doctor visits that might happen before or after hospitalization.
Eligibility and Documents Required for Family Mediclaim Policy
Eligibility requirements are part of any family health insurance plan. Although the eligibility conditions for family floater mediclaim policy in India differ from one to the next, the following information summarizes the most typical requirements:
- Entry AgeMinimum entry age for an adult family member is 18 years and maximum entry age is 65 years. Minimum entry age for a child is 90 days and maximum coverage age is 30 years.
- Number of family members CoveredSelf, spouse, dependent children, dependent parents and parents-in-law.
Documents required
- Proof of identification
- Proof of Address
- Records of pre-existing medical conditions, if any.
- Photographs
Medical Facilities Offered Under Mediclaim Policy
Most insurance providers cover the following essential items as part of their mediclaim policy for family:
- Room Rent: These are frequently referred to as "room charges" or "bed costs."
- ICU fees: When a person is in critical condition, Intensive Care Unit (ICU) fees are necessary. The cost of an ICU stay is more than the cost of a standard hospital stay.
- Doctor Visits: Various sorts of professionals, such as a general physician, a specialist, an anesthesiologist, a nutritionist, a pediatrician, a lactation consultant, and others, may visit the patient while they are in the hospital.
- Charges for the operating room: These fees apply if the patient needs to have surgery.
- Daycare procedures: Daycare procedures cover operations and procedures that do not require hospitalization. Examples of such procedures are cataract surgery, tonsillitis eradication, and so on.
- Ambulance fees: Once or twice every claim, the insurance company will cover the cost of hiring an ambulance for transportation to the hospital.
Health Insurance FAQs
ARN: June23/Bg/21V
www.coverfox.com/health-insurance/articles/why-mediclaim-policy/
www.insurancedekho.com/health-insurance/articles/mediclaim-policy-features-benefits-and-coverage-1319
www.livemint.com/brand-post/10-things-to-consider-before-buying-a-family-health-insurance-plan-11636959109544.html
www.policyholder.gov.in/whathealthinsurancetobuy.aspx
www.bajajfinserv.in/family-health-insurance
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