Cashless Mediclaim Policy for Family? Check Plans & Coverages
When it comes to buying mediclaim for family, people often become confused between the two options. They find it difficult to make a choice between cashless mediclaim policies and mediclaim policies that allow reimbursement later on. Well, the truth is that a final choice between the two should be simple for an individual looking forward to securing self and loved ones. Cashless medical policies are the best option to go with in order to avail the desired financial help as well as peace of mind during a medical emergency.
There’s no doubt that a mediclaim policy would provide you with comprehensive coverage against hospitalisation expenses, but don’t forget you may still have to bear these high expenses from your own pocket. In a situation like such, cashless mediclaim policies come across as the ultimate savior.
People with limited or no savings, cashless hospitalisation by the means of a cashless mediclaim policy will help you a lot. On informing your insurer about the hospitalisation, the former would directly settle the medical bills with the hospital rather than forcing you to pay the hospital bills and then waiting for the reimbursement.
Specifically designed to provide absolute financial support to policyholders during medical emergencies, cashless mediclaim policies differ in their features based on the insurer. However, the few common features that cashless mediclaim policies comprise include inpatient care, pre & post hospitalisation expenses, daily cash benefit, no claim bonus, cover for ambulance expenses and domiciliary treatment, and numerous others. Not to forget, income tax benefits are also a significant part of the cashless mediclaim policy benefits.
If you have been thinking of securing your family’s health with a cashless mediclaim policy, go ahead with your choice. Rest assured, having a cashless mediclaim policy by your side at the time of a medical emergency will prevent you from losing your savings, arranging money from somewhere or selling your assets. Overall, a cashless mediclaim policy will never let you feel helpless.
Cashless Mediclaim Policies for Family
Before you go ahead with your search for one of the best options among the ones listed, take note that under a cashless mediclaim policy for family, all your family members will be covered under one family plan.
The list includes :
Niva Bupa - Health Premia
Health Premia is a hospitalisation plan, which under its Family First plan, offers superior coverage for up to 19 relationships with an individual sum insured for every one. Talking about floating sum insured, it is accessible to any family member. Available in three plan variants, namely Silver, Gold, and Platinum, this policy by Niva Bupa Health Insurance covers a series of expenses. The features covered under the plan include inpatient hospitalisation, hospital accommodation, pre & post hospitalisation, day care treatment, emergency ambulance, maternity benefit, new born baby cover, organ transplant and many others. Available for 1/2/3 years, Health Premia Family First plan comes with lifelong renewal facility and provides tax benefits as well.
HDFC Ergo- Optima Restore
Easily available for both, individuals and families, Optima Restore is one of the most popular products of HDFC Ergo health insurance company. Under its coverage, the policy provides for medical expenses related to in-patient hospitalisation, pre-hospitalisation, post-hospitalisation, road ambulance cover, day-care procedures, air ambulance cover, domiciliary hospitalisation, and multiple others. The key highlights of the Optima Restore policy include benefits such as Restore Benefit, Multiplier Benefit, and Stay Active Benefit, which add to policyholder’s benefit in a massive form. Offering renewal for lifetime and tax benefits, the Optima Restore policy offers policy term discount and family discounts as well.
Reliance - HealthGain
A smart plan available on individual and family floater basis, HealthGain by Reliance Health Insuance Company can be purchased in two variant forms, Plan A and Plan B. Offering coverage against inpatient treatment, pre & post hospitalisation, day care treatment, domiciliary hospitalisation, and others, the policy also comes with Wellness services such as free health consultations, discounts from chemists, restoration benefits, accidental death cover without any claim renewal, and accidental rider. Featuring lifelong renewability, the policy offers tax benefits as well as family discount, discount on insuring a girl child or single woman, etc. Cumulative bonus and claim service guarantee come along with the policy.
Also Read
Private Hospitals Annoyed Over Unpaid Dues, Threaten to Stop Cashless Services
Cashless Health Insurance in India - Its Importance
Conclusion
Choosing a cashless policy will never disappoint you.
Now that you have options, go ahead and look for the best health insurance opportunity. Make sure you carefully consider all your medical requirements before making a final choice.
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