Do your family health insurance offers sufficient coverage?
A person buying family health insurance should see that there is sufficient amount of sum insured chosen. There should be coverage for pre- and post-hospitalization, besides hospitalization. To further extend the coverage limits, one might check, if there is coverage for new born baby, critical illness etc. One such plan that has gained much name and fame is Easy Health.
People are in search of a comprehensive health insurance plan that could offer their family members sufficient health cover such that they can stay at a peace of mind and get financial assistance for the medical treatment at the time of emergency. These products are believed to be helpful in settling long hospitalization bills, which might bring financial encumbrance over the family.
A person buying family health insurance should see that there is sufficient amount of sum insured chosen. There should be coverage for pre- and post-hospitalization, besides hospitalization. There should be coverage for ambulance charges, day-care procedures; domiciliary treatment, etc. Insured individuals should be given an access to regular health check-up so that diseases can be diagnosed at the earliest.
Maternity, one of the major causes of hospitalization, should always be under coverage limits of a family health insurance policy. Most health insurance policies in India offer coverage to maternity expenses with waiting period. A person should take care of this waiting period concept that prohibits him/her to seek coverage for few years after policy issuance. Besides it, there should be coverage for new born baby so that if in case there is some problem with a child, he/she can get quality treatment without any financial hurdle.
In addition to it, the wider the coverage limit of the plan, the better it is believed to be. There are few plans in Indian health insurance market that offers cover to outpatient treatment, pharmacy costs, diagnostic tests, etc. these plans might be expensive, but ensure complete medical protection to people. To further extend the coverage limits, one might buy top-up plan offering coverage to additional hospitalization expenses. There should be critical illness rider that offers coverage to people in an event of covered critical illnesses.
A person while buying health insurance should keep all the above stated points in mind in order to have complete medical protection. One such plan that has gained much name and fame is Easy Health. Easy Health is available in three variants—Standard, Exclusive and Premium, designed to offer coverage to people of all income groups. The plan offers coverage to hospitalization charges, pre- and post-hospitalization charges, emergency ambulance charges, maternity expenses with a waiting period of 4 years, optional critical illness for eight diseases, new born baby coverage etc. furthermore, the plan offer lifelong renewal facility to ensure that its clients can avail coverage for the whole life.
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