Which health insurance is best for a family in India?
Choosing the Best Health Insurance for Families in India
Choosing the best health insurance for a family in India depends on your specific needs, budget, and coverage preferences.
A comprehensive family health plan covers all the insured members under a single policy. Thus, it eliminates the need to pay individual premiums for each beneficiary. Also, compared to single health plans, they offer a much larger insured sum.
However, if you are looking to buy the best health insurance in India for your family, it is important to consider several factors.
Key Features of Highly Reliable Family Health Insurance Plans
●Wide Cover
The policy must offer wide coverage where you can cover medical expenses arising from your own needs as well as the needs of your spouse, children, parents, and parents-in-law. In most cases, the insurance company allows you to add up to three children under your health insurance plan.
●Automatic Restoration of Sum Insured
This is one of the highly demanded facilities offered by top insurance companies. For example, if you purchase the Star Health Assure Insurance Policy, you can expect a 100% top-up or restoration of the insured amount multiple times within the same policy year. We extend this benefit after you have partially or fully utilised the initial promised amount within the policy period.
●Mid-Term Inclusion
Another crucial aspect of effective family health plans is that this feature allows you to add your newly married spouse or newborn/ legally adopted child under the same policy upon paying an extra premium.
●Home Care Treatment
The best family health insurance policies allow up to 10% of the annual sum insured to be utilised for home care treatment of specified illnesses or medical conditions. However, the maximum cap for this usually remains at ₹5 Lakhs per policy year.
The best part is that you have much flexibility when claiming compensation. You can either pay for the expenses upfront and claim reimbursement later or opt for cashless settlement if that seems to be a more convenient option for you.
Benefits of Top Family Health Insurance Plans
When selecting the best health insurance for your family in India, Star Health insurance plans stand out as a comprehensive and reliable choice.
Top plans provide extensive coverage tailored to meet the diverse needs of families. Key benefits include:
●Automatic Restoration: Automatic restoration in health insurance replenishes the sum insured once it is fully utilised during the policy term, ensuring uninterrupted coverage for future claims.
●Maternity Cover: This provides financial protection for childbirth expenses, including delivery (normal or caesarean) and postnatal care, along with coverage for newborn medical needs during the policy term.
●Worldwide Emergency Assistance: Offers financial support and medical coverage for unforeseen emergencies or treatments required while travelling or staying abroad, ensuring global healthcare security.
●Daycare Treatments: You can choose a plan that covers advanced procedures that do not require 24-hour hospitalisation.
●Affordable Premiums: A cost-effective solution for comprehensive family coverage.
With a large network of cashless hospitals and a hassle-free claims process, Star Health ensures peace of mind for your family.
Besides all these advantages, you get peace of mind after owning the best health coverage. Eventually, it is the main reason to opt for a family Mediclaim policy as soon as possible.