“Health is Wealth” is a famous adage that explains how matters pertaining to health must be first taken care of before anything else. To secure health, one must be prepared to meet rising medical expenses resulting from costs of treatment. More Indians are now investing in health insurance plans for family realizing how regular payments of small amounts as premium can offset huge medical expenditure in the long run. Insurance companies are largely promoting their family floater health insurance products that have features similar to individual health insurance policies, the difference being that these plans are tailor made to meet the needs of the entire family as opposed to providing financial security to an individual policyholder only.
It is necessary to compare health insurance plans for family before zeroing on the best family health insurance plans. Here are some important points which are important to know before buying any health insurance plan for family. Some of them are:
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Insurance companies are changing their offerings to meet growing needs of their customers while grabbing a greater share of customer base. As opposed to earlier family floater health insurance products that covered parents, spouse and children, these days insurers are also allowing provision for securing the health conditions of dependent siblings and parents-in-law. The best plans are those that cover most illnesses and provide necessary and comprehensive cover for treatment at any hospital or facility with ease and affordability.
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Summary: A health insurance policy acts to secure against expenses incurred on medical treatment including hospitalisation fees, medical bills and regular checkups. Having a family floater health insurance ensures that each and every family member is covered under a single policy and has access to the best medical treatment as the insurance company covers the costs of their treatment.
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