For anyone, their family is the most important part of their life, and to protect them one can go various miles. We all work and put effort into our life to provide for a safe and secure future for our families. However how many efforts we take in keeping our family safe, there are always possibilities of various medical emergencies. These emergencies are hard to avoid but we can surely be prepared for such emergencies but choosing the suitable mediclaim policy for family.
Investing in the right medical insurance is of utmost importance in today’s time of ever-increasing medical costs. The hospitalization charges, medical care are today touching the sky and there is no way one can bear all these expenses without a proper insurance plan. Medical insurance policy helps the individual to live stress-free as they are ensured that in case of medical emergency they will be reimbursed effectively by the insurance company. Besides this, the medical health insurance policy also facilitates the cashless process of hospitalization thus furthering provide the individual with much convenience and ease in their times of difficulty.
The importance of medical insurance policies has been realized by people and thus has become very popular. One such important medical insurance policy is the mediclaim policy for all the family members. This type of policy has been preferred by various individuals as it allows them to take care of their whole family with one just policy. Thus any medical emergency is to be borne by only a single plan and thus the need for getting individual medical policy has now been altogether eliminated. Under mediclaim policy for the family, the insured amount is shared by the family and thus one has to choose accordingly. However, before buying of mediclaim policy for the family one must ensure what expenses will be reimbursed by the insurance company. These are mentioned below:
Hospitalization expenses: The mediclaim policy will bear all the expenses related to the hospital such as room rent, organ, blood, oxygen, etc.
Day-care Treatment: If the individual gets discharged within 24 hours then the daycare expenses are also borne under the mediclaim policy.
Pre and Post expenses: Mediclaim policy provides the insured with expense coverage of 30-60 days pre to hospitalization as well as 60 days post-hospitalization. These days may vary from one insurance company to another.
Other Coverage: Besides the above-mentioned, the mediclaim insurance covers various expenses such as consultation fees, modern treatment techniques, etc.
Hence these are the important coverage that is provided under the mediclaim insurance policy for individuals and families depending upon one’s choice of mediclaim policy. There are various benefits that one can avail by busying of mediclaim policy. Some of these benefits are mentioned below:
- Single Plan: The biggest benefit of the mediclaim policy for the family is that it covers the individual and its family i.e. spouse and dependent children up to the insured amount. Thus the need for buying individual mediclaim policy is no longer required as it covers everyone under one umbrella. The headache for paying different premiums for different policies is now been taken care of by the mediclaim policy for families. The mediclaim policy for families allows for stress-free hospitalization as this policy provides its beneficiaries with the feature of cashless treatment with which the insurance has networks besides. Thus the individual can ensure the best treatment for them and their family without any need for compromise.
- Easy Addition: One can easily add the new member to their mediclaim policy for the family at the time of renewal without much paperwork and cumbersome work. All one needs to do is to notify the insurance company and the rest will be taken care of by them. However, this is not the same in the case of individual insurance policy as with a new family member one is required to buy the new policy and thus indulge in the paperwork from scratch which is nothing but frustrating.
- Affordable Premium: As under mediclaim policy for family the individual is required to pay the single premium for covering their family thus it makes it a more affordable option for lots of people. When one pays a premium for every family member then it becomes more an expensive affair and thus one has to incur the financial burden. However, the mediclaim policy for the family takes care of this issue very well.
- Covid coverage: Covid has badly impacted our life very badly. The chances of not getting infected with this virus are very low and thus it is important one must be prepared enough to protect themselves and their loved ones from it and for this one must buy the mediclaim policy for the family as it will take care of medical expenses that one has to incur because of this virus.
Hence these are the major benefits of buying the mediclaim policy for family. One must buy this policy from the right insurance company i.e. Care Health Insurance as they provide maximum transparency and satisfaction to their clients.
