At a certain point in life, everyone has to deal with medical emergencies and this can hamper their savings. Undoubtedly, your families’ health and happiness matter a lot in your lives, and you make every effort to safeguard them. The best thing to do is investing in a health insurance plan that secures your future.
Buying the best family floater health insurance plans in India can be one of your best decisions for a secure future.
Understanding Family Floater Health Insurance Plan
A plan that holds a single policy for more than a few family members is a family floating health insurance plan. It mainly focuses on providing health benefits to all the family members under a single plan. With the best family floater health insurance plans in India, you can ensure financial strength to deal with any medical emergencies in the future.
Through an insurance Awareness Survey, it was noted that there are a smaller number of people involved in insurance programs. Out of them, only 6% are engaged in health insurance programs.
Common Features in All the Best Family Floater Health Insurance Plans in India
No matter which of the best family floater health insurance plans in India, you consider, each of them offers similar features. Whether it is Care Health Insurance or any other health insurance provider, they all think about safeguarding your families’ health. The name itself depicts that it supports a health insurance program for every member in a family such as children, parents, spouse, siblings, etc.
Let’s discuss some of the essential and common features that all the best family floater health insurance plans in India provide to families under a single pool.
Coverage
The best family floater health insurance plans in India take care of all the medical expenses whether it is a vaccination, pre-and post-hospitalization costs, health checkups, and some others. Plus, it covers the cost of alternate medications like Homeopathy, Naturopathy, and Ayurveda. These insurances plans support in dealing with fees of the medical practitioners as well. No matter what kind of medical practitioner it is. Moreover, ambulance and other medical transportation charges are also included.
Sum Insured
A family floater health insurance provides a minimum and maximum amount of sum insured. The policyholders can consider all the risks and essential factors such as location and medical amenities to select the premium amount of the plan. The policyholder has all the rights to select the amount from a minimum to maximum cost.
Covers All Family Members
The best family floater health insurance plans in India cover a maximum limit of 6 family members. All these members under the policies have equal rights to share the sum insured for future medical emergencies.
Cashless Facilities
The family floater health insurance plans offer benefits like cashless hospitalization as well. The network hospitals provide cashless facilities to the policyholders, in case of a lack of sufficient cash balance. The policyholders can undergo stress-free treatment and the insurance providers will take care of all the financial obligations.
Claims
Under this feature, the policyholder can claim according to the planned, unplanned, and cashless hospitalization in the network hospitals. In planned hospitalization, a minimum time notice of 3 days is given to the insurance provider, whereas in unplanned hospitalization, the period is reduced between 24 hours to 48 hours. Under cashless hospitalization, only identity proof is enough to make a claim.
Conclusion
A family floater health insurance plan is a cost-effective and advantageous policy program that every family should involve in. We have listed the features all the best family floater health insurance plans in India have in common so that you can easily rely upon any of them.
