Health insurance in India is generally confined to persons over the age of 40 who are at risk or suffering from some type of ailment and have financial and family responsibilities on them. As a result, health insurance is frequently imposed on them in order for them to live a longer life. Unluckily, these are beliefs that lead individuals to be distressed, particularly during medical emergencies, when other family members like children, teens, spouses, and so on are uninsured.
The current situation over the past 2 years has provided many grounds to choose a comprehensive family health insurance plan in areas where people have been seen battling the highly infectious virus in the name of COVID-19 or Coronavirus.
While one member of the family with individual health insurance was able to receive adequate care on time without depleting any funds, other family members, like senior citizens, children, or spouses, who did not bother to obtain health insurance for themselves appeared helpless in the face of costly health care treatments
And particularly during the monsoon season, which is the season of numerous highly infectious and vector-borne diseases (typhoid and viral infections) begin to spread among the whole family in a series. When it comes to infectious diseases that are more likely to spread inside the family, obtaining health insurance plans for the family is crucial. There are numerous benefits of family medical insurance plans that a family can reap at the time of seasonal infections.
Reputable insurance providers in India like Tata AIG provide medical insurance for the family that covers vector-borne diseases like dengue fever, viral infection, typhoid, and malaria, among others. According to the amount insured and the total number of family members, a sufficient financial cover is allocated to treat such diseases.
With the aid of family health insurance plans, insured family members may obtain diagnostic tests, medical expenses, and ambulance services either in the form of reimbursement or cashless. It enables all afflicted members to receive effective treatment without limitation or concern.
Benefits of Having Family Health Insurance During a Viral Infection
Health insurance plans for the family are carefully crafted to meet the needs of each family. The following are some of the family insurance benefits:
- Cashless Hospitalisation: All members of a family insurance plan are eligible for cashless hospitalisation. This alleviates a chaotic and challenging circumstance while also providing outstanding liquidity.
- OPD Cover: This is another advantage of family health insurance. It’s not always essential to be hospitalised for vector-borne infections, but regular follow-up and consultation are required since vector-borne diseases might continue longer than usual.
Thus, the total treatment for each family member in the OPD (Outpatient Department), is light on your pockets. The inclusion of OPD differs from policy to policy and insurance providers.
Doctor’s clinic appointments or OPD visits are quite expensive, and when more than 1 family member is ill, it may be extremely difficult to organise funds for an extended period of time without health insurance.
The Key Takeaway
Having health insurance plans for the family is becoming increasingly important as medical inflation continues to grow year after year. Family health insurance protects the whole family from vector-borne or seasonal diseases comprehensively. It covers every family member under a single premium.
If several claims are lodged at the same time, the amount insured is distributed to every family member. It provides mental satisfaction and the flexibility to focus on therapy and recovery.
As a result, having medical insurance family coverage provides various benefits for the whole family throughout peak infection seasons, ensuring the health and safety of your family. If you’re looking to invest in a family health insurance plan to protect your family, you can check out plans from reputable insurers in India like Tata AIG and use the online premium calculator to look for the premium rates and purchase a policy based on your requirements and budget.
