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Health Insurance Plans For Family in India

Add details about Health Insurance Plans for Family

Health insurance protects the family during health conditions, they provide an umbrella as financial security so that we won’t let go of the patient just because of the financial barrier. Health Insurance Plans for family protects an individual thus acting as a savior. Not only does it provide protection to the individual, but it also provides protection to family members in times of need. Thus, one can have Health Insurance Plans for family in order to safeguard themselves from financial conditions in terms of deteriorating health conditions.

A health insurance plan must always be kept with us and this is even suggested by many doctors. It can take care of medicinal treatment and its procedure cost. Also, there are many Health Plan available in the market which can help us in times of need. If you are very new to buying a health plan, then it could be very difficult for selecting the right plan. So, we must always compare the Family Health Plans or Health Insurance Plans for family before purchasing them.

There are various other facilities which is provided by Family Health Insurance or Health Insurance Plans for family, depending upon the plans, some of which includes daycare treatment where the patient doesn’t need to be hospitalized, non-claim benefit, pre and post hospitalization expenses which includes medical and hospitalization expenses , health check-ups in which you can receive a complimentary health check-up, restore benefits where you can refill your health insurance plans once exhausted, cashless facility within the network hospitals, etc. Apart from this, Family Health Insurance also provides free look period where you can request for a refund if you feel that things are not provided what was promised.

Why Should You Have a Family Health Insurance Plan?

Family Health Insurance Plan or Health Insurance Plans for the family takes care of the medical expenses which have occurred due to treatment of surgery, hospitalization, ailment, etc. This health plan could provide cashless services within the network hospitals or a reimbursement facility which is done by providing all the required documents, thus claiming the amount.

Family Health Insurance Plan or Family floater plan is a plan which provides health insurance for family members to provide protection against various injuries or diseases or accidents. Health Insurance plans for family covers all the family members with a lower premium. However, if you don’t contract any disease or you didn’t feel the need to use it within the policy tenure, then you won’t receive the premium paid amount.

If you want to protect your family members during big situations such as diseases or accidents, then it is always suggested to purchase Family health insurance. Life is very critical; you never know what will happen to you the very next moment, so you must always have a health insurance plan which will provide protection to you. Also, due to inflation, the medicinal cost has increased tremendously, bringing a huge amount on time in case of health-related problems is not always a reality. So, having health insurance plans for the family is a must. A small price could help save a lot of amounts.

Benefits of Having Health Insurance for Family

There are various benefits of having a Family Health Insurance. Few of which are as listed below:

Health Insurance Plans for family for Low cost:

Health Insurance plans give the insured financial protection at a low cost. As you increase the protection, the cost increases slightly.

Health Insurance Plans for family for Saving money:

Family Health insurance plan helps cover the entire family within a single-family floater plan. If you are an individual with 4 family members, then instead of purchasing 4 individual plans, purchase family floater plan, which can help save money.

Health Insurance Plans for family for Medical Expenses coverage for the family:

In case any of the family members need medical treatments or procedures, then health insurance plans for family, not only does it provide medicinal cost, but it also covers pre and post-hospitalization cost, thus our family need not worry about expenses.

Health Insurance Plans for family for Restoring exhausted sum assured:

If the coverage of your plan is exhausted because it was already used, there are few health insurance companies which provide restore benefits for unrelated claims.

Health Insurance Plans for family for Add new member without a doubt:

Health Insurance Plans for family allows an individual to add a new member who could include your child or any other family members.

Health Insurance Plans for family for Provide Tax Benefits:

Family Health Insurance provides tax benefits under Section 80D of the Income Tax Act.

Eligibility Criteria for Family Health Insurance

Family Health Insurance or family health plan has an eligibility criterion for each and every individual depending upon their age and their health conditions. Below are the eligibility criteria for Family Health Insurance:

Health Insurance Plans for family For Adults:

The minimum entry age for adults if 18 years with a maximum age of 65 or 70 years, depending upon the case.

Health Insurance Plans for family For Dependent children:

The minimum entry age for dependent children applying for health insurance plans for family is from 90 days (for a few health plans, it is 30 days) to 25 years of age.

Health Insurance Plans for family, it’s Medical Test Results:

Health Plan companies would suggest you take a medical test. However, there are few companies which provide relief for people below 45 years of age. So, after the medical test which includes a blood test, urine test and physical examinations, they could ask them for a few more tests as well. If they are already contracting any disease, then that disease won’t be covered or treatment for that disease could take place after some waiting period, depending upon the health plan companies.

What Family Health Insurance Plan Covers (Inclusions)

Health insurance plans for family covers all the expenses like in-patient hospitalization, post-hospitalization, health check-ups, any emergency ambulance services, and many more. Below is the list of details which specifies the list of inclusions in case of Family Health Plans:

Health Insurance Plans for family covering Day Care treatment cost:

Family Health plans cover treatment costs for day care facilities where the patient need not be in the hospital for more than 24 hours. The example of Health Plan treatment includes cataract, in which the treatment could be provided in a few hours.

Health Insurance Plans for family covering In-patient hospitalization cost:

This includes all the medical expenses incurred because of hospitalization. If the family member of the insured gets hospitalized for more than 24 hours, it will be the responsibility of the health insurance company to pay for the medical bills.

Health Insurance Plans for family covering Pre-hospitalization Cost:

If there are any medical expenses before the hospitalization process, including X-ray, MRI, blood test, sonography, urine test, etc., then all this expense shall be covered under the Family Health plan.

Health Insurance Plans for family covering Post-hospitalization cost:

If there are any medical expenses caused after discharging patients which can include medicines or any sort of medical test performed, etc. then such can be covered by the Family Health plan.

Health Insurance Plans for family covering Ambulance Expenses:

There are few health insurance companies which provide ambulance facility in case of any emergency.

Health Insurance Plans for family covering Hospital charges:

There is certain daily cash allowance for this health plan which is some fixed amount as explained during purchasing the health plan. This amount could be made in use for transportation or any other basic requirements of the person.

Health Insurance Plans for family covering Refill benefits:

Most of the health insurance companies provide benefits if the existing coverage gets exhausted. They can help them refill the plan for unrelated claims.

What Family Health Insurance Plan Does NOT Covers (Exclusions)

As the health insurance plans have its inclusions which could provide lots of benefits to the insured, it also has few of its exclusions. The list of exclusions for family health insurance plans is as listed below:

Health Insurance Plans for family for Claims within the waiting period:

If there is a request for a claim within 30 days of waiting period of health insurance policy, then for such cases claims are not provided. However, if it’s the case of an accident, then the claim could be provided.

Health Insurance Plans for family for Diseases uncovered:

If the insured has contracted any sexually transmitted diseases or any disease caused due to stress, or mental or physiological disease which is caused by abuse is not covered under Family Health Insurance.

Health Insurance Plans for family for Fertility problems:

Health insurance plans for family does not covers fertility-related problems.

Health Insurance Plans for family for Routine health check-up problems:

If there are any problems which have aroused because of medical check-ups, then such expenses are not covered by the Health Insurance companies.

Health Insurance Plans for family for Surgeries for enhancement of body:

If there is any treatment done because of plastic surgery, aesthetic treatment, change of gender, making use of life support machine where there is no need of recovery or restoration of previous health, then such cases won’t be covered by the health insurance company. However, if plastic surgery is needed because of some accidents, then that could be covered.

Health Insurance Plans for family for OPD treatment:

A health insurance company does not cover OPD treatments.

Health Insurance Plans for family for Pregnancy Treatment:

Any pregnancy-related treatments including voluntary Termination, childbirth, caesarian section, miscarriage, if not due to accident, or abortion or any complications. But, ectopic pregnancy covers all this.

Health Insurance Plans for family for Self-harm or suicide:

If the insured has caused self-harm causing injuries, suicide or attempt to suicide. Such cases are not considered under the Health Insurance Plan.

Health Insurance Plans for family for Involved in Criminal activity:

If the insured is involved in any criminal activity, warn, nuclear attack or civil war or arrest, detainments, etc. then such cases could not be covered by the health insurance company. Even any disease incurred because of any of this activity won’t be covered. Any breach of law is not tolerated by the Family Floater plan.

Health Insurance Plans for family for Lifestyle expenses:

Any expenses incurred due to consumption of tobacco, drugs or alcohol or hallucinogens, then it won’t be covered under the Family Health Plan. Apart from these exclusions, any treatment which is undertaken abroad is also not covered by any Health Plans. Also, if your work is relative to life-harming, then you would be excluded.

How to Choose the Best Family Health Insurance Plans in India

Due to an increase in inflation, medical expenses have to increase. It is not a shock to know that we could empty our bank balance just by paying for a few medical bills or treatments. This could leave you nothing for all of your other expenses. Thus, it is recommended to purchase a Health Plan which could fulfil all the expenses. However, if you want to purchase a health plan for your family, then purchase Family floater plans which could financially protect your family at a lower cost. Health Insurance plans for family do not only protect us from unseen medical expenses, but it also protects your family members from all other extra costs for hospitalization, ambulance charges, etc. This health plan prepares you to face the financial barrier in case you contract any disease. Also, the claim process for this health plan is simple, hassle-free in case of most of the health insurance companies.

Below is the list which must be followed before choosing the best insurance plans for family:

1. Sum Assured for Health Insurance Plans for family:

Choose the plan which provides maximum coverage and thus maximum amount as a treatment cost. As the rate of each and everything is increasing, you must have some sufficient amount in order to deal with such situations. Hospitalization could be a huge amount in most of the cases, so for such cases choosing the highest sum assured is always a smart choice.

2. Individual Plan vs. Family floater Plan for Health Insurance Plans for family:

If you are family of supposing say 4 members, then instead of purchasing 4 individual plans, it is always recommended to purchase a Family Floater Plan which would cover all the family members at comparatively low cost.

3. Choose proper sum assured amount for Health Insurance Plans for family:

While choosing sum assured choose it very precisely. While you are young, you won’t be at high risk. However, as the age increases, soon your body ceases to support you and you may contract various diseases. So, choosing a plan according to the requirement is very must.

4. Check for a waiting period for pre-existing illness for Health Insurance Plans for family:

Choose a family health plan with a minimum waiting period for pre-existing diseases. Health insurances companies usually provide 2-4 years of the waiting period. However, there are few policies which can offer lesser than this. So, choose your health insurance as per these criteria as you are more bound to contract pre-existing diseases or any diseases related to the pre-existing disease.

5. Maximum Age-renewal facility for Health Insurance Plans for family:

When you purchase health insurance plans for family, make sure that you get a maximum renewal age, so that you can also renew at your old age period of 75 or 80 years.

6. Claim Settlement Ratio for Health Insurance Plans for family:

Choose a plan with the highest claim settlement ratio. Claim settlement ratio is claims settled to the total claims. This would ensure that your claims are not rejected. This would ensure hassle-free claim. Attach all the relevant documents and proofs.

7. Sub-limit for Health Insurance Plans for family:

Always choose the family health insurance with maximum sub-limits, thus getting maximum per day medical cost, room rent, etc. Compare the plans online and choose the one which provides the best sub-limits.

8. Network Hospital for Health Insurance Plans for family:

If you want to avail for cashless facilities, then it is better to choose a Health Insurance company which has lots of network hospitals. This is to ensure that if you are travelling then those hospitals must be available.

9. Compare health insurance online for Health Insurance Plans for family:

Whenever you are purchasing health insurance, it is always recommended to compare it online in order to know which plan is better and which is not. You can compare the benefits, premiums, returns, coverage, sub-limit, etc.

10. Feedback for Health Insurance Plans for family:

After you select a plan, always ensure that you check the reviews of the plan in order to avoid end moment regrets. While you compare the plan, you can get to know many things like client satisfaction, other insurance companies which offer better than this plan, etc.

11. Riders for Health Insurance Plans for family:

Purchase the riders only if it is required. If you feel that few of the riders are not required and they don’t satisfy all of your requirements or it would be baseless to purchase it, then don’t add a rider on top of your base plan.

12. Exclusions for Health Insurance Plans for family:

Keep in mind all the exclusions. Make sure you do not fall under that category, this is to avoid any end moment claim rejection.

Should I opt for Family Floater or Individual plans to cover all family members

Before learning about whether you should opt for a Family Floater plan or Individual Health Plans in order to cover all family members, we will first learn about its difference.

In Individual health plan, only one individual can have a policy under his name. For health insurance of all other family members, you must have a separate policy under their name. So, if you have supposed say 4 members in your family including you, your wife and two children and you want to provide coverage to all four of them, and then you must purchase 4 individual health insurance policies. Thus family members will receive a dedicated sum assured or coverage. As it will cover only an individual person, the premium amount will be based on the individual person.

In the family floater health plan, all the members of the family will be covered under a single roof. That means they will have a single policy under their name with a dedicated sum assured. Again, let’s assume that you have 4 members in your family including you, your wife and two children, and now you wish to provide coverage to them. You are taking a policy with sum assured of 5 lakhs, and then these 5 lakhs will be shared by you, your wife and both of your children. Although the benefits which are given under this health plan is extended to primary policyholder including his wife and 2 dependent children, there are some Family Health Insurance plans which provide benefits to cover parents, siblings, parent-in-law and 3 or 4 children. Here, for Health Insurance Plans for family, as all the family members are included, the premium amount is based on the oldest member of the family.

First, identify which plans you must take by comparing online. Shortlist each and every health insurance plans.  Provide sufficient coverage for kids and yourself in one family floater plan. However, if you feel you are at high risk, then purchase an individual health plan for yourself. Buy individual health plan for your parents as they are more prone to diseases.

Thus, if you are young members of your family, the family floater health plan is best. For parents, an individual health plan as best as they need more coverage.

Difference between Family Floater and Individual Plan

Individual plans are taken by the individual member; you can decide the coverage based upon the risk. If you want to provide coverage to all the family members, then you must purchase Individual health plans. Family Floater Health Insurance plan is the health insurance plans for family which covers all the members of the family under single insurance and single coverage.

Let us compare in more depth about Health Insurance Plans for family consisting of Individual and Family Floater Plans and then decide on the best one. Below is the list of difference between the health plans:

·         In case of a family floater plan, the premium amount is based upon the eldest member in the family.

·         Renewal is provided up to only a certain age. So, if the senior citizen breaches the maximum renewal, no other family members will receive any benefit as the policy would be stopped.

·         If one of the family member’s claims and No claim Bonus gets nullified, then the other family members are also left with nil amount. This is pronounced under health space where you get up to 50 or 100 percent of the sum assured as NCB for claim-free year.

·         If the minor children who were covered turned major, then they lose credit for the waiting period, and many more.

·         Minors are not covered under an individual health plan

·         Family health insurance plans can save cost compared to individual health insurance

Because of the change in regulations as per IRDIA, the regulations provide lifelong renewal of policies where pricing is based on many incident rates and not the eldest member among the insured. Also, for migration to the new plan, few credits will be forwarded after a certain age. Based on the pricing, product features you must choose the best plan.

 

Family floater plan has certain advantages. Apart from maintaining multiple policies, or remembering the renewal date, etc., it is a money value health plan which is comparatively cheaper than individual health insurance. Also, one key point is that individual policy cannot be taken for minors.

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How to Compare Health Insurance Plans for Family in India?

When you purchase health insurance plans for family, you could either get a cashless claim facility within the network hospital or a reimbursement facility. There are further two types of the plan which are basic health plan and super top-up plan which provides benefits on top of the base plan by paying a few extra bucks.

For comparing Health Insurance Plans for the family in India, we must follow the below steps:

Step 1: Go to websites where you can compare individual plans

Step 2: Check for its features, highlights, sub-limit, etc. Also, check for cashless treatment, is the network hospitals available within your locality? Does this health plan provide coverage for pre and post-hospitalization expenses; does it cover the transportation expenses which include ambulance cost in case of hospitalization? does it provide medical check-ups for free or is it dependable on your No Claim Bonus or NCB, will you be rewarded with a No Claim Bonus for the health plan if you do not make any claims over the course of entire policy? does it provide room rents in case of hospitalization? Does Family Health Insurance provide restore benefits, if we have exhausted our coverage? Does the health plan cover organ donor expenses? Etc. You must keep in mind that although the coverage matters, there are these above factors which also matters a lot while purchasing a Family Health Insurance. Also, make sure that it covers pre-existing disease with a lesser waiting period. This is a very important point as people are more likely to suffer from the pre-existing disease.

Step 3: Jot down a few of the plans which satisfy all your needs

Step 4: If you have younger members in your family including your spouse and dependent children, then choose Family Health Insurance. However, if you have senior members as well, then do purchase an Individual Health Plan for them.

Step 5: After selecting the health insurance plans for family, read all the reviews of the plan. Now you have filtered out a few of them and now select the Family health insurance plan.

Use the Family Health Insurance Premium Calculator

If you want to compare various family health insurance plans from among the different plans available in India, then you must use a Health Insurance Premium Calculator. Using this calculator, you can choose the best Family Health Insurance plans and it will help you to make the process smooth.

You can get below benefits by using Family Health Insurance Premium Calculator:

  • You can calculate your health insurance premium online
  • It helps you to compare among different family Health Insurance available in India
  • You can choose the best plan among the rest

Follow the below steps to opt for Family Health Insurance plan:

Step 1: Visit the Health Insurance Tab. Click on ‘Search for Insurance’

Step 2: Enter the city name, number of adults and children you wish to provide Family Health Insurance

Step 3: Enter the oldest member’s age for knowing health plan premium

Step 4: Enter name, phone number, email id as well to know premium of Family Health Insurance

Step 5: List of Family Health Insurance carriers and its health plans would be displayed.

There are certain things which you must know that although family health insurance calculator helps in deciding premiums, there are many other factors includes your age, individual history, family history, pre-existing disease, etc. There are several other factors for Family Health Insurance like smoker or tobacco user; you must add that in the premium calculator in order to know your exact premium amount. You must also compare the plans and check for its various benefits before choosing the family health insurance which satisfies all your needs.

Family Health Insurance: Check Points

Below are the checkpoints for family health insurance online:

Ø  It is always recommended to cover the family under family health insurance if your family is a younger group of people.

Ø  Family health insurance can cover minor as well.

Ø  Family Health Insurance is comparatively cheaper than the individual health plan

Ø  One can add Super Top-Up plan on top of the base plan to increase the coverage for a family health insurance plan

Ø  Few companies even provide health insurance for maternity-related expenses

 

Ø  You have the flexibility to pay a premium not only annually, but also monthly, quarterly, half-yearly as well for Family Health Insurance. This is as per new IRDIA rules.

Family Floater Health Insurance Claim Process

The claim process for Family Health Insurance is a simple task and you must follow the below steps:

Step 1: For claiming Family Health Insurance, keep the medical bills, receipts, medical reports, etc ready. Also, keep all other relevant documents. Documents must have the patient’s name, cost price, etc.

Step 2: Collect the Family Health Insurance claim form from the insurance company. You can even download it from the company’s website. Make sure you read all the clause properly. Then get the hospital’s stamp and sign.

Step 3: Attach all the relevant documents for the health plan

Step 4: Make sure you submit original documents of health plan and other relevant documents along with the photocopies of them.

Step 5: Inform the insurance company that the claim has been submitted.

You have to read all the terms and conditions properly in order to avoid rejections in the claim process.

Best Family Floater Health Insurance Plans in India

There are many Family Health Insurance plans available in India which one can choose. Based on the requirement you must choose one health plan that will fulfil all your needs.

Below is a list of the best Family Health Insurance plans:

·         Religare Care – Family Health Insurance

·         Apollo Munich’s Optima Restore Health Plan

·         HDFC Health Suraksha- Family Health Insurance

·         Bharti Axa’s Smart Health Insurance Plan

·         Bajaj Allianz Family Floater Health Guard Insurance Plan

·         SBI LifeSmart Health Insurance Plan

·         Cigna TTK PRoHealth Plus Insurance Plan

·         ICICI Lombard iHealth Health Plan

·         Max Bupa Health Companion (Family Floater Health Plan)

·         Oriental Insurance’s Happy Family Floater (Silver Plan)

·         Star Health’s Family Optima Insurance Plan

·         TATA AIG’s Mediprime plan- Family Health Insurance

Add Super Top-up in Your Family Floater Health Insurance

Super Top-Up health insurance plan is added on top of the base plan to enhance our policy. Due to increasing inflation, the cost of all the basic things has increased tremendously. It has also resulted in an increase in medicinal costs and its procedures. In order to tackle the increasing cost, Super Top-up plan is added on the base plan, thus increasing the coverage of the base plan.

It works on the principle of deductible policy in which you will have to bear a predefined amount by your own or by other insurance in case of a medical event. Any amount which is over that deductible amount would be borne by the company. Suppose you have coverage of 6 lac plus 2 lac as the deductible amount then in such case, 2 lacs will be borne by you and the remaining will be covered by the insurance company.

Super Top-Up plan provides financial protection to insured from increasing hospitalization cost and medical facilities which could be planned and unexpected. Thus, it covers expenses above the base plan. In this way, one can increase their coverage.

Buy Health Insurance Plans for Family Online: Compare Family Floater Plans

Name of the Family Floater Plan

Minimum

Age (in years)

Minimum

     Age (in years)

Minimum Sum Assured (in Lakh)

Maximum Sum Assured (in Lakh)

Pre-hospitalization (in days)

Post- Hospitalization (in days)

Waiting Period for Pre-existing diseases (in months)

Star Health Insurance Family Floater Health Guard

18 years, for depended children 16 days

65 years, after 65 years lifelong renewability

1

15

30

90 (provides 7 percent of the total expense which is maximum up to 5000 INR)

48

Bajaj Allianz Family Floater Health Guard

18 years, for dependent children 3 months

65, for dependent children, 25 years

2

10(entry age less than equal to 55 years),5 lakh (if entry age greater than 55 years)

60

90

48

United India Health Insurance Family Medicare Policy

18, for depended children 3 months

80, for dependent children 18 years, provides lifelong renewability

1

10

30

60 (maximum up to 10 percent of sum assured)

48

New India Assurance Family Floater Mediclaim Policy

18 years, for depended children 3 months

60 years, for dependent children 18 years, provides lifelong renewability

2

5

30

60

48

SBI General Insurance Smart Health Insurance

18 years, for dependent children 3 months

65 years, for dependent children 22 years

1

5

30

60

24

Oriental Insurance Company Happy Family Floater Plan

18

65, provides lifelong renewability

1

10

30

60

48

National Insurance Mediclaim Policy

18 years, for dependent children 3 months

60 years, for dependent children 25 years, provides renewability up to the age of 65 years

INR 50000

5

30

60

48

ManipalCigna Family Floater ProHealth Protect Plan

Adults >18 years, for dependent children 3 months

23 years as depended children’s

2.5

50

60

90

48

Can I pay Health Insurance Premium as Monthly, Quarterly, Half-yearly?

As per IRDIA’s new rule, Family Health Insurance allows an insured to pay the premium not only annually. You can pay the premium in any of the modes monthly, quarterly or half-yearly as well. This ensures smooth payment facilities and they can even manage money easily.

Health Insurance Plans For Family in India FAQs

Most frequent questions and answers about Health Insurance Plans For Family in India

1. Which health insurance is best for a family?

It is always best for the family to opt for a family floater plan instead of an individual plan. This would ensure that you save a certain amount. Also, if your family consists of minors, then they could also be easily covered by the family insurance plan. Let us take an example; you are a family member of 3 people including yourself, your wife and a child. Then it is better to opt for a family health insurance plan which can cover your entire family. Note that the premium will be based on the senior-most member in the family. However, in addition, if you want to provide insurance to your mom and dad as well, then opt for a separate individual plan for them as they are more suspected to contract diseases. There are list of many best health insurance plans like Religare Care, Apollo Munich’s Optima Restore, HDFC Health Suraksha, Bharti Axa’s Smart Health Insurance Plan, Bajaj Allianz Family Floater Health Guard, SBI LifeSmart Health Insurance Plan, Cigna TTK ProHealth Plus, ICICI Lombard iHealth, Max Bupa Health Companion (Family Floater), Oriental Insurance’s Happy Family Floater (Silver Plan),  Star Health’s Family Optima and TATA AIG’s Mediprime plan

2. How much a family health insurance plan cost?

The premium for a family health insurance plan could be comparatively lower than the individual health plan. The cost would vary from plans to plans depending upon the plan you purchase and the number of members you cover or any additional things which you want to add on top of that. It could vary from 8 INR per day to 25 INR per day more or less.

3. What does health insurance cost for a family of 4?

Health Insurance cost could vary depending upon the age of the senior-most member of the family as the premium is calculated based upon their age. It also depends upon the sum assured taken. So, in general, it could cost up to 30000 more or less for a family member of 4 people.

4. Can I cover my parents in a family health insurance plan?

There are few health insurance plans which allow an individual to include their parents in a family health insurance plan. However, this is not recommended as the parents are more prone to diseases, so they would need more coverage which is not enough from a family health insurance plan. Also, if it is already exhausted, then it would be a problem. So take an individual plan for your parents.

5. Can I add kids in my family health insurance?

Yes, you can add your 2 dependent kids in the family health insurance plan. There are certain health insurance companies which can allow more than 2 kids (up to a certain limit) as well for health insurance plans for family.

6. Does a family health insurance plan cover maternity expenses?

There is some health insurance company which covers maternity costs incurred after or at the time of child-birth; this health plan also includes baby care post-delivery from 1- 90 days, depending upon the policy.

6. Does a family health insurance plan cover maternity expenses?

There is some health insurance company which covers maternity costs incurred after or at the time of child-birth; this health plan also includes baby care post-delivery from 1- 90 days, depending upon the policy.