Planning on Buying Health Insurance for Family? Make Sure Your Insurer Provides these 5 Features

2. In today’s times, having health insurance for family is a crucial part of making sure your near and dear ones live a healthy life. It protects them from the rising costs of medical treatment and gives you a sense of security in regards to your finances. By paying regular premiums for your family Mediclaim health crisis strikes your loved ones, your hard-earned savings will not be exhausted. If you are planning to insure your family, then you must choose an insurance provider that offers you the best in your budget. Let’s look at the 5 important features your chosen insurance provider must provide. Mediclaim policy policy, you can breathe freely and know that if any

3. #1 - Offering of maximum coverage The insurance provider you choose should offer you coverage for a variety of medical expenses. A good health insurance for family would cover the following expenses- - Hospitalization, pre- and post-hospitalization - Day-care procedures - Vaccinations - Regular health check-ups - AYUSH hospitalization - Ambulance charges - Consultations with specialists and experts

4. #2 - High claim settlement ratio The claim settlement ratio of an insurer refers to the number of claims they settled versus the number of claims received in a particular year. A high claim settlement ratio means the insurer is efficient and dedicated to solving claims. In such a case, you can rest assured that when you raise a claim on your family Mediclaim policy during a medical emergency, it will be settled quickly with due procedure.

5. #3 - A large number of network hospitals Network hospitals refer to the hospitals the insurance provider is affiliated with. Getting your treatment done at a network hospital gives you the benefit of cashless treatment. That is, the expenses incurred for the treatment will be paid directly by the insurer. You may only have to pay the deductible. This can relieve you of the hassle of arranging cash urgently. #4 - Easy claim settlement procedure When you or a family member is in a medical emergency, you do not want to spend your time trying to reach your insurer and making a claim on your family Mediclaim policy that may take a long time to process. You may want to focus on urgent health matters and recovery. An easy claim procedure is, therefore, highly needed when choosing reliable health insurance for family. Many insurers nowadays even provide app- based claim settlement that reimburses your treatment expenses instantly.

6. #5 – Critical illness cover Your family may include several people who may be susceptible to critical illnesses. The treatment of such illnesses is highly expensive and is sure to put you in a financial conundrum. Therefore, it is necessary that the insurer you are buying health insurance for family from also offers critical illness cover for a variety of purposes as you may deem fit. critical illness cover. This cover usually provides a lumpsum amounts which can be used Do bear in mind that the coverage and other features of plans offering health insurance for family differ between insurers. We hope this article has increased your understanding of family health insurance.

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