The idea of purchasing the best health insurance plans for the family is overwhelming and palpable. The best health insurance plans in India are the best single-integrated plan to protect your family from any medical emergency. Family is the priority for everyone. Thus, everyone wants to protect and safeguard it. Various best health insurance plans for a family are available in the market, but a family should choose the plan that suits them best. Some experts can help you to choose the best family health insurance plan.
Best health insurance plans in India need to be selected after proper research and knowing your family status to get the most benefits from less investment. Under section 80D of the income tax act of 1961, a premium payer can avail of tax benefits against the premium they paid. The most exciting part of the plans is that most of them cover the treatment of COVID-19.
What is Family Health Insurance?
Family health insurance is a single integrated plan for a family insurance plan to cater to your entire family’s medical emergency. It is similar to an individual insurance plan in terms of working. Still, the only difference is that the family health insurance plan covers the whole family rather than any single individual.
Supposing your family has four members, two children, and two parents so you can purchase health insurance of INR 3 lakhs for each of your family members. But if your child of any member suffers from a severe injury that costs you INR4 Lakhs. So, this difference of 1 lakh has to be paid from your pocket. But if you purchase a family health insurance plan of INR 5 lakhs, you will get complete coverage, and you don’t have to pay anything extra from your pocket.
4 Best Health Insurance Plans for Family
If you are looking for the Best health insurance plans for your family and need to compare the best ones, then you are on the right page. Let’s compare the best health insurance plans in India.
1. Religare Health Insurance Cover
Among the best health insurance in India, Religare holds a significant place. It gives you comprehensive coverage with no upper age limit. Moreover, it provides insurance cover up to Rs.60 Lakhs INR at affordable premiums. Another best part is that you can undergo free health checkups every year.
Best health insurance plans for family also gives coverage on daily hospital expenditures and ambulance costs. If the age of the insured individual is more than 61 years at the time of taking the insurance, then the waiting period is four years with a co-payment of 20%
2. Apollo Munich Optima Restore
This is the best health insurance in India that gives you comprehensive coverage. It provides you with hospitalization coverage for almost 180 days of release. This plan doesn’t force any room lease sub-limit, and there is no co-installment condition.
A discount of 7.5% on premium payments is given if you purchase the plan for two years. Another advantage that makes it the best health insurance in India is its vast number of additional such as treating critical illnesses. From Apollo Munich
3. Deen Dayal Swasthya Seva Yojana
It is the best health insurance plan for the family given by the state legislature of Goa to every individual living in Goa for five years and more. Under this plan, the individual is insured with a sum of Rs.2.5 Lakh for a group of 3 individuals and four lakhs for a group of multiple individuals of the state.
Best health insurance plans for the family can be a creative method of conquering monetary impediments, giving monetary assistance against high clinical costs to individuals, and improving admittance to quality clinical consideration for every individual of the state of Goa.
4. Max Bupa Heartbeat
If you are looking for the best health insurance plans for your family, then Max Bupa Heart Beat suits you best. It provides coverage for up to 13 individuals in a single plan. It also provides maternity cover with additional benefits of life insurance for newborns.
The average waiting time for the maternity period is two years, but the converge is applicable from the first day for newborns. It has no upper age limit with the sum insured of up to Rs.50 Lakhs. Another advantage of this plan that lists it as the best health insurance in India is its domicile treatment coverage.
Benefits Of Best Health Insurance Plans For Family
1. Hospitalized Stress Waived off
At the time of hospitalization, the insured individual can take cashless treatment in a network of hospitals. A single integrated plan for all your family members also reduces the hustle and bustle of managing every person’s health plans individually.
Compromising in treating a patient can also lead to severe failures, but unfortunately, this happens due to a shortage of capital. If the person is insured, they can get the best treatment without compromise.
2. Ease to Add Family Members
Best health insurance plans for family health insurance plan offers you to add family members easily. If you add a new family member to your existing Medicare coverage strategy, you should always consider increasing the insurance amount to achieve coverage that is appropriate for everyone. Also, if there is no head member of the family, other family members they insure can avail of the coverage benefits. This is the point that encourages you to take the combined health insurance.
3. Covers all in One Roof
The best health insurance plans in India cover all your family members under one single integrated plan, and you don’t have to buy individual medical plans for each one of them
Best Health Insurance Plans For Family – FAQs
Why take a family Health insurance plan?
Ans. In the case of a family health insurance plan, you and all your family members listed under the plan will get hassle and cash-free medical treatment. In addition, health insurance covers you from any medical emergency of minimal payment to significant capital payments.
Why is a combined plan better compared to individual plans?
Ans. In the case of the individual plans, you need to take care of any pay premiums of all the programs separately. But in the case of a single integrated plan, you can cover all your family members in one place, and one premium payment covers all.
