Three best family health insurance plans | Fusion - WeRIndia

Health is an expensive thing now-a-days. Hence health insurance is very essential these days to protect yourself from unforeseen hospitalization.

Though, some employers provide insurance to their employee, it is mandatory to have health insurance policy for your family exclusively.

Companies normally provide group insurance which covers their employees to certain extent.

So, if you take health insurance for your family, you will be safe.

Furthermore, you can have tax benefits as well under the Income Tax Act for these policies.

Here are three best family health insurance plans for your family.

Oriental Insurance Company’s Happy Family Floater is available for a premium of ₹9297. This policy provides does not cover the bill completely. 10 per cent should be borne by patient.

All the pre-existing diseases will be covered after a period of 4 years if the premium is paid regularly.  The room rent in hospital is covered up to ₹5000. No free health checkup is there under the plan.

The policy covers both allopathic and non- allopathic treatment like Ayurvedic, Homeopathic etc.

The policy holder will get no claim no bonus for not claiming the policy.

Star Health and Allied Insurance Company’s Family Optima costs ₹ 11,055. This policy also covers pre-existing diseases after four years.

The room rent cover ranges from ₹ 2,000 to ₹15,000 based on the city the policy holder takes the treatment. The policy also covers free health checkup and consulting fee. Family Optima policy offers life time renewal option.

Bharti AXA General Insurance’s Smart Health plan is available for a premium of ₹12,064. This plan has 100 per cent coverage for its policy holders.

Like earlier plans, the plan also covers the pre-existing diseases after four years. Smart

Health plan also has a life time renewal option.

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