Articles 319 views January 3, 2020

Ultimate Guide to Choose the Best cashless mediclaim policy for a family in India

The best cashless mediclaim policy for a family in India is not just a requirement, it is an absolute necessity these days! No one, whether he is a 75-year-old retiree or a 2-month-old baby, can afford to live without health insurance. Health has become fragile and the health care costs have become expensive. In such a scenario, everyone requires health insurance as a priority. Thankfully, there are some excellent health insurance providers in India who offer some of the best cashless mediclaim policies for families in India. Take a look at this article to know more about these policies and their benefits.

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Reasons why you need to choose the best cashless mediclaim policy for a family in India

Let us explore the reasons why a cashless family health insurance policy is important:

1. Covers health of everyone

The biggest advantage of a cashless family floater health insurance plan is that it covers the health insurance needs of each and every family member. You do not have to get individual health covers for yourself, your spouse, your kids or your parents. Buy a single health insurance plan and keep everyone’s secured together.

2. Affordable

The cashless health insurance plans for a family are very affordable. Since you cover many members of the same family in a single policy, the insurer offers an economical rate. The cost of health insurance would be much higher if individual plans were bought for every single member of the family.

3. Easy to maintain

It is very easy to maintain the best cashless mediclaim policy for a family in India. You just have to pay a single premium. Many a time, when you have multiple policies with multiple premium payment dates, you get confused and forget the dates. This leads to many problems including policy lapses. But when you have a single health plan for many people, this problem is taken care of. It this becomes very easy to maintain a family floater health plan.

4. Cashless treatment

Let us assume there is a medical emergency in the middle of the night and you need to rush a family member to the hospital. You don’t have cash with you and all the banks are closed. When you have a cashless policy, you do not have to worry in such situations. The payment is directly done to the hospital by your insurer and you can enjoy the cashless family which proves to be very easy and totally hassle-free.

5. Wide range of covers

The best cashless mediclaim policy for a family in India has a wide range of covers. From in-patient care to pre and post-hospitalisation care, from domiciliary care to daycare expenses, you get a wide range of medical covers when such a plan is bought. These covers help you and your family members to stay in the best of health at all times.

6. Riders available

Most of the leading family floater health insurance plans from most of the health insurance companies in India can be customised with the help of riders. You can add riders such as the critical illness rider, personal accident rider, hospital cash rider, etc and make your plan more flexible to suit your specific requirements. Other ways to make it more flexible include opting for suitable premium payment terms, policy durations and so on.

7. Tax benefits

You get tax benefits when you buy health insurance for the entire family. The premium you pay towards the best cashless mediclaim policy for a family in India is tax-deductible. This feature is available under Section 80 D of the Indian Income Tax Act.

With so many benefits, it is very obvious that everyone should invest in the best cashless mediclaim policy for a family in India.

Some of the best cashless mediclaim policies for a family in India

Here are some of the best cashless mediclaim policy for a family in India:

  1. Max Bupa – Health Companion
  2. Apollo Munich Health Insurance – Optima Restore
  3. Reliance Health Insurance – Gain Plan
  4. ICICI Lombard Health Insurance – Health Care Plus
  5. New India Assurance Health Insurance – Floater Mediclaim Policy
  6. Future Generali Health Insurance – Health Suraksha

Compare health insurance to know which is the most suitable plan for your family. Once you find the ideal option, make a purchase and keep yourself and all your loved ones safely protected under the umbrella of the best cashless mediclaim policy for a family in India.

Summary

To wrap it up, you need to get the best cashless mediclaim policy for a family in India if you have not done so. Buy any of the above-mentioned policies and keep every member of your family safe. Go over the features of the plan, the exclusions, the clauses, etc to understand the cover properly. Buy the plan that would be of greatest use to all your family members. Once that is done, you can be assured of getting the best treatment when there is a need.

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