Most
of us feel worried about the health security of our family members; don’t we?
Life is quite unpredictable, and this is why we must protect our loved ones in
every way possible. Health insurance plans in India are available in plenty
these days. All you have to do is buy the right family health insurance policy. You can get all the family members
covered under a family floater health plan. Once you get them covered, it
definitely gives you a sense of relief, particularly from the perspective of
finances.
These
policies come loaded with a lot of features and add-ons. You can get a policy
customized as per the health requirements and medical history of your family.
It is a great way to ensure an optimum level of protection to your family.
Before you start looking for one, let us take a quick look at some of the main
advantages of buying a family floater health insurance policy.
- It covers different healthcare needs: In any family, the healthcare requirements vary from person to person. Each individual will need a health care plan that matches his/her requirements. When you buy an individual health cover, you cannot expect each and every illness to be in its list of inclusions. On the other hand, family health insurance policies offer greater medical coverage. For a family of 4 to 8 members, buying a family floater health cover is the best decision one can make.
- Easy to add/include new family member: Having a family floater cover provides you with a lot of freedom and flexibility. The best policies allow you to add up to 8 members to your existing family floater health insurance plan. You can add your parents to your current family floater policy. You may even add your new-born child to the same policy. So, it saves you from the hassles of going through the process of buying a new policy.
- Cost-effective: If you compare the cost of buying several individual health insurance policies with that of a single family floater policy, you will always find the latter to be cheaper. Before you buy health insurance from any insurer, you must ask about their family floater health insurance products. Chances are high that you will end up with better discounts.
- Higher sum insured: The amount of sum insured you get with a family floater policy is relatively higher. The amount usually depends on the number of members included by you under the policy. Having a higher sum insured offers more protection to your family members. In case one of your family members falls sick, you will not have to worry about the high hospital bills. Even if the sum insured is exhausted, you can buy additional cover.
So,
those are some of the benefits of buying a family floater health insurance
plan. When you buy health insurance for
your family, you must compare the options available. It is better to choose one
that offers more cover, without charging high premiums.
