From the air quality to the adulteration in food; there are several reasons for falling sick these days. Therefore, we need to take care of our health so that we do not have to see the doctor often. When we need to visit doctors for consultation or medical treatment, we easily spend around INR 1000 on each visit. Therefore, imagine if the members of a family visit the doctor every month, how much it will cost. Well, if we are not well, we cannot skip visiting the doctor. What we can do is buy a health insurance policy that can provide us a decent coverage that helps us to save some money.
If you are truly focusing on saving money even on a health insurance policy, you should better go for a family floater health insurance plan. Wondering what it is? Let us try to know a bit about it.
What is a Family Floater Health Insurance Plan?
It is a comprehensive insurance plan that comes with several health benefits for not just an individual but for the entire family. When you buy a family floater health insurance plan, you have to pay one premium amount at regular intervals. By doing this, you can avail of the coverage of health insurance for the entire family. Under a single-family floater health insurance plan, you can add several family members such as a spouse, children, parents, and in some plans even parents-in-law as well. As you buy this plan, it will not only help each of the family members get sufficient protection but the cost also lessens.
Some of the best family floater health insurance plans
You will certainly come across several family floater health insurance plans in India; However, mentioned herein below are some of the best of them.
Bharti AXA Smart Super Health Insurance Policy
Under the Bharti AXA Smart Super Health Insurance Policy, you can add up to five family members. The policy provides sufficient coverage to all the members. The minimum entry age is 91 days, which means even newborns can be added. On the basis of the sum assured, you can choose from three variants of this plan. As the Claim Settlement Ratio is concerned, it is 89%.
Bajaj Allianz Family Health Insurance Policy
This family floater health insurance policy offers all-around protection to the family. With the help of this policy, you and your family can even avail of homeopathic and ayurvedic treatments. The other coverage includes daily cash benefits, road ambulance, etc. With the recharge benefit, the plan can be made more comprehensive as and when required. The Claim Settlement Ratio of Bajaj Allianz Family Health Insurance is 85%.
Edelweiss Family Floater Health Insurance Plan
As you purchase the Edelweiss Family Floater Health Insurance Plan, you can add up to 8 members under the single plan. The maximum sum assured you can expect under this plan is up to INR 2 crores. Policyholders whose age is more than 60 years will get a co-payment facility. The Claim Settlement Ratio of this company is 85.57%.
Royal Sundaram Health Insurance Plan
With Royal Sundaram Health Insurance Plan, you will get access to more than 3000 network hospitals, any time. The coverages provided under this policy include pre and post-hospitalization benefits, maternity cover, and more. After four years of buying this plan with no claims, you will be able to avail of a free health check-up benefit. The Claim Settlement Ratio of this company is 61%.
Care Health Insurance Plan
On buying Care Health Insurance Plan, you will have a hassle-free experience. You can get access to several network hospitals as well as beneficial coverage. The Claim Settlement Ratio of the company is 59%.
To know more about such family floater health insurance plans, you can visit the IIFL website today.
