Best Health Insurance Plans For You And Your Family
You will see many choices when you explore the market for the best health insurance. It is necessary to choose the best type which works best for you. We at Vvhix cover several types of health insurance plans you can choose from.
1. Family Floater Health Insurance
Under the family floater health insurance, the single sum insured floats will be for all family members. It is beneficial since it is much more affordable than the individual health insurance plan. This plan will cover you, and your families, like spouses, parents, and children. It is not ideal to add members of the family who are over 60 years old. Because they are more inclined towards developing illnesses, it can affect your insurance premium. All the covered families under this policy will get an individual sum insured. For instance, if you take the health policy of the 5 lakhs sum insured for your partner, 2 kids, and yourself, then each individual will have the sum insured of INR 5 Lakhs. It potentially increases the insurance premium.
2. Group Health Insurance
Group health insurance is designed for employees group who work together. So, if you choose a start-up or a corporate house, it is best to buy this type of plan for your employees. It is a type of benefit that they offer to their employees. You can purchase the cover as a business owner to enhance employee satisfaction. This coverage will cover hospitalization due to illnesses, accidents, critical illnesses, maternity, and psychiatric illness.
3. Maternity Health Insurance
You can get maternity coverage as a ride along with basic health insurance coverage. All types of incurred expenses in the prenatal stage and post-natal stage coverages.
4. Senior Citizen Health Insurance
Specially crafted to provide medical coverage for individuals over the age of 60, ensuring comprehensive and affordable healthcare solutions. As people age, they may experience an increased likelihood of health issues, and having a dedicated insurance plan for seniors becomes essential.
What Is Included In The Health Insurance Policy?
- In-patient hospitalization
- Post and pre-hospitalization costs
- Ambulance charges
- Daycare treatment
- AYUSH treatment
- Organ donor expenses
- Health check-ups
- Restore benefit
What Is Excluded In The Health Insurance Policy?
- Self-inflicted injuries
- HIV/AIDS
- Riot, war, or nuclear contamination
- Injuries caused due to alcohol or drugs
- Treatments such as piles, joint replacement, and hernia are not covered in the initial 2-4 years after buying the health insurance plan
- Cosmetic treatment
- Maternity expenses
- OPD expenses