As a responsible family member, every one wants to protect their family’s health. In the modern era, with increasing health risks and associated treatment costs, there is no better way to do secure the health of our loves ones than through a family health plan. A family health insurance policy is different from an individual health insurance policy. It offers coverage for the entire family in one plan, reducing the cost of health coverage. But what is it that you are allowed to cover in your family health insurance policy? Let’s explore.
1. Insurance for All the Family Members
The first thing that defines a family health plan is the fact that it should be a plan that can accommodate all your family members. Usually, a family health insurance plan will cover the policyholder, his or her spouse and the children depending on their age. Some even include dependent parents and parents-in-law in the insurance cover, making it an all-rounded plan for the extended family. This means that in case of any medical emergency, for instance, you don’t have to worry about different policies for different family members.
2. Hospitalisation Expenses
Hospitalisation costs are one of the most important parts of the family’s health insurance plan that needs to be considered. This encompasses the charges of room rent, intensive care unit, nursing fees as well as the doctors’ and surgeons’ fees. Whether it is a scheduled surgery or a sudden admission to the hospital, a family health plan means that these huge expenses are provided for, and not borne by your family.
3. Pre- and Post-Hospitalisation Expenses
Besides hospitalisation, a family health plan entitles the family to all the expenses made before hospitalisation and the expenses made after discharge. Pre- hospitalisation may comprise diagnostic procedures, drugs and physicians’ fees among others. It also guarantees your family’s health care requirements are met at each level of treatment.
4. Maternity and Newborn Coverage
For families planning to grow, maternity coverage is an essential feature of a family health insurance plan. This coverage typically includes expenses related to childbirth, prenatal and postnatal care, and newborn care. Some plans also cover vaccination costs for the newborn, ensuring that the newest member of your family gets off to a healthy start. It is important to consider the variants within the health plan to check for specific benefits and coverages being included.
5. Critical Illness Coverage
Many family health plans offer the option to add critical illness coverage. This feature provides financial protection in case any family member is diagnosed with a severe illness such as cancer, heart disease, or stroke. Critical illness coverage usually offers a lump sum payout upon diagnosis, which can be used to cover treatment costs, lifestyle adjustments, or any other expenses that arise.
6. Preventive Health Check-Ups
Regular health check-ups are vital for early detection and prevention of diseases. Many family health insurance plans offer free or discounted preventive health check-ups for all covered family members. This can include routine blood tests, cholesterol checks, mammograms, and other essential screenings.
7. Ambulance and Emergency Services
In case of an emergency, quick access to medical care can be lifesaving. Family health insurance plans often cover the cost of ambulance services, ensuring that your family can get to the hospital quickly and without additional financial stress. Some plans also provide coverage for air ambulance services in critical situations, further enhancing your family’s protection in emergencies.
A family health plan is a robust and flexible way to protect your entire family’s health. By including comprehensive coverage options such as pre- and post-hospitalisation care, maternity benefits, and critical illness coverage, you can ensure that your family is prepared for any medical situation. When choosing a family health insurance plan, it’s essential to consider the unique needs of your family and select a policy that offers the most suitable benefits. For instance the Chola MS Flexi Supreme provides many variants with different packages to consider, allowing each family to choose based on their unique set of needs. With the right family health plan in place, you can have peace of mind knowing that your family’s health is well protected.