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10 Things That a Family Plan Can Save You From

Posted by Royal Sundaram on 07 Feb 2018

10-things-that-a-family-plan-can-save-you-from

Family plays a central role in our lives. We grow up not just with our parents but our extended set—grandparents, brother in law, sister in law, nephews, nieces who play a vital role in our upbringing. To buy a family health plan that lets you take care of not just you but all of them is a lifesaver. Well, that’s just the tip of the iceberg, this Family Plan saves you from a lot more…

 

  1. 1. Multiple Expenses

A health insurance plan covers your medical bills that include pre and post hospitalization expenses. A family floater plan covers your immediate entire family’s medical expenses up to a sum insured. Seems good? There’s more.

The Family Plus plan covers not just medical bills but maternity benefits, Ayush treatments, animal bites, and a whole lot more.

 

  1. 2. NCB

A health insurance plan’s most useful offering is the No Claim Bonus—

Well, with a family plan, you get a boost of 20% for a claim-free year (appreciable to 100%) and even if you make a claim, there is no decrease in your accumulated bonus.

 

  1. 3. Family Cover

Buying health policies for each family member is cumbersome and expensive, especially if you stay in a joint family. And unfortunately, a family floater can cover only a limited number.

That is where the above plan acts as your friend in need. You can cover 19 different relations in the same policy. No one will feel left out  during times of medical emergencies.

 

  1. 4. High Inflation Rates

Not everybody stays in the cities or earns big bucks. A good number of policyholders stay in non-metro cities. To save them from the pinch of high inflation rates, this plan offers a 15% discount on premiums for Tier 2 locations. Yes, an address proof is necessary at the time of policy purchase.

 

  1. 5. Animal Attacks

Accidents are unpredictable and often unexplainable too. You never know why that friendly looking neighbouring dog bit you one sudden day. For such events, the Family Plan has a solution. It covers vaccination charges against such bites. Who would have thought of that?

 

  1. 6. Critical illness

If you are diagnosed with even one of the 11 critical illnesses, you can arrange for a second opinion or consultation free of cost. The only condition required is that one should be 18 years of age or more.

 

  1. 7. Organ Donor Expenses

Blessed are those who donate their organs so that someone else could live and breathe a healthy life. For all such individuals, the Family Plus plan reimburses their medical expenses.

 

  1. 8. Maternity Benefit

It covers maternity expenses that include delivery charges and even medically recommended termination of pregnancy.

 

  1. 9. Post-delivery care

For new mothers, their health post-delivery is vital. This health policy recognises this and offers nutritional allowance for new moms.

 

  1. 10. New Born Expenses

The arrival of a little one is the happiest moment for any couple. But the expenses that come with it are often a shocker, that’s why you can avail a new born cover along with a year’s cover of vaccinations for your little one with this plan.

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