How Important Is Health Insurance for Your Family?

Home is not a place but a feeling. After a long day at work, we rush to the comfort of our homes. We unwind here and keep work-related tension at bay. We are so busy with our families that we lose the track of time. But, with time comes responsibilities and we must make sure that we fulfil them.

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      Buying a family health plan should be the first step. With health-care costs touching the skies, a medical emergency can become a financial emergency in no time. When anyone in our family comes across a medical emergency, the last thing we would want to do is think about making financial arrangements. 

       

      In our country, health insurance is highly undervalued. However, adequate health insurance coverage makes sure that we get financial coverage when we need it the most. Insurance experts recommend investing in a good health insurance plan to cover you and your family.

      Here is why it is important to buy a health insurance plan for your family.

      Health insurance awareness has grown in our country. Still, some people are ignorant when it comes to covering their family with a health insurance plan. Medical emergencies are unpredictable; they can strike anytime and anywhere regardless of gender and age. It is an absolute misconception that only elderly people need an insurance cover. The level of pollution that we are exposed to on a daily basis, the adulterated food we consume, the impure air we breathe and the high levels of stress we develop, all gather up to pose a big threat to our immune systems. This is bound make us terribly sick.

      Owing to their carelessness and weaker immune systems, kids are more prone to falling ill. And adults have their fair share of health-related threats as well as accidents. Inarguably, we all need get our health insured regardless of our age and gender.

      Do you need Health Insurance for your Parents?

      They have done a lot for us; the least we can do is buy a health insurance cover for them. When we were little, they looked after us; no surprises if they still do. After a particular age and stage, the children have to look after their parents because the parents are too old to look after themselves.

      As per reports, most elderly people contract lifestyle ailments such as diabetes, high blood pressure etc.; if they ever come across any illness, a health cover will make sure that finances don’t become a hurdle in their treatment.

      Why do you need Health Insurance for your Kids?

      Do you remember the last time when your kid fell ill? Of course, you do you. No matter how old your kid grows, he will always be your li’l one. You don’t want to go through the worry of seeing your li’l one in pain and discomfort, and this is why it is important to cover your kids under a health plan.

      Kids don’t realize the importance of being healthy because of they are too young to take their health seriously. Even if they are old enough to understand, their raging hormones make them aggressive, and they don’t appreciate or take heed of your friendly advice. As parents, it becomes your responsibility to look after their overall well-being.

      Why do you need Health Insurance for your Spouse?

      When you love someone, you wish to provide them with everything, including eternal wellness. Now, no matter how much we wish against it, an occasional illness is bound to happen. Your better half completes you and makes your life a little easier by just being there for you. You get unconditional love and support from your life partner. Gifting him/her with health insurance coverage is the most considerate way of taking care of his/her medical needs and fulfilling some of your responsibilities towards them.

      In a Nutshell

      If you are looking for a good health insurance plan, check out the insurance plans offered by Max Bupa health insurance.

      You can cover your family members in a family floater plan and share the sum assured. If you buy individual health insurance coverage for each family member, it will cost you a bomb. A family-floater plan will be more economical for the collective needs of your family.

      Insurance experts recommend buying senior citizen insurance for elderly parents. Since they are prone to frequent hospitalizations, they might exhaust the sum insured. Also, senior citizen insurance plans are formulated with the insurance needs of elderly in mind. The exclusions of an individual insurance plan or family-floater plan aren’t applicable to a senior citizen insurance plan. Simply put, though we cannot stop our family members from falling ill, but the least we can do is support them financially without breaking the bank in the process.

      Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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