Even today, only a small percentage of the population in urban India is covered under Health Insurance. However, the burden of health disorders and medical expenses is constantly rising. In such a scenario, if your loved ones suffer an accident or get affected by a sudden illness, you will want them to get the best treatment possible without any hassle. This is when a Family Health Plan can help.
An appropriate Family Health Insurance Policy provides holistic health coverage for you and your family. It also keeps you from draining your savings to cover the high treatment costs. Today, you can easily buy and renew such a policy online and secure your family against medical uncertainties.
Steps to buy Family Health Insurance online
Before you choose a Family Health Policy, you need to consider the following factors:
- Coverage
Always opt for a policy that offers a range of coverages. It should include hospital room rent, doctor fees, intensive care charges, pre-and post-hospitalisation expenses, etc.
- Eligibility
Determine the persons you can cover under your Family Health Insurance. You should also check the maximum renewal age of such policies.
- Claim settlement process
Understand the Insurance company’s claim settlement process. Make sure you choose a policy with a hassle-free claim process. That way, you can focus on recovery instead of worrying about expenditure.
- Availability of cashless hospitals
Select Family Medical Insurance with a vast network of hospitals where you can opt for cashless treatment without inconvenience.
- Sum insured
Opt for the sum insured carefully. This amount involves your family’s annual medical expenses. It also affects the Insurance premium. Hence, matching the sum insured with your income level is important so your premium amount does not exceed your budget.
- Compare
Compare different plans online before you choose the Insurance Plan that covers all your needs and fits within your budget.
Once you have chosen your preferred General Insurance company and policy, visit their website and complete the application process. Then, request a callback. The Insurance company calls you back and helps with the next steps.
Steps to renew a Family Health Plan online
Today, you can not only buy Family Health Insurance but also renew it online. For this, follow these easy steps:
- Go to the Insurance provider’s website
- Click on the ‘renew’ option on their homepage
- Choose the policy you want to renew, i.e., Family Health Policy, and click ‘continue’
- Next, get your quote by entering your policy number
- You can also make necessary changes to your policy. This may include adding or removing a family member, changing coverage, etc.
- Once you know the new premium, pay the amount online
- After you complete the renewal payment, you get a digital copy of the Health Insurance Plan