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7 Reasons Why You Need To Buy A Health Insurance Policy For Family

Jun 24, 2021

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Every person is very protective of his family, so he tries to get them everything that will save them from any type of uncertainty. Most people are worried about the health of family they want everyone to stay happy and healthy. But sometimes things don't take much time to get change. Ether you are any of your family members can fall sick and to get the right treatment can cause a lot of expenditure. So the person should be prepared for such things from the beginning and buy the health insurance policy for the family. This is the policy that will grant medical cover to every person in your family. So without any worry, the person can get the right treatment for the sick family member.

The health insurance policy for the family is an insurance plan that covers all the people in a single plan. This insurance plan can be customized according to the needs of the family. There will be a lot of benefits of getting this insurance policy. Let’s have a look at them.

  • With the help of this insurance policy, the family can get cover for the medical expenses that are done on the treatment of any of the person.

  • This plan will include the pre and post-hospitalization expenses, doctor's consultations, ambulance cover, and any other type of medical expenses that the family needs to undergo at the time of the medical treatment.

  • It is a single plan for the whole family that covers the medical expenses in case of both illness and accident.

  • It is one of the most affordable plans that provide the most benefits to the person and his whole family.

  • In case any of the people who are insured in the health insurance dies, the other people can continue with the same policy.

  • The plan health insurance plans provide extensive coverage of the benefits that no other individual plan can give to the person.

  • Even this plan can also provide the person with the tax benefits as stated in section 80D of the Income Tax act. So the person can double the premium that needs to be paid for the insurance you get more of the tax benefits and even the family members in your family are seniors citizens.


So a single family plan can provide with so many of the benefits that will truly make the life of the person much easier. So in this plan, the medical cover is provided to the spouse and their kids. Even there are some of the extended insurance plans that will provide the medical cover to the dependent parents, sometimes in-laws and even siblings. The premium of the policy is decided as per the age of the eldest person in the family.

Some people may have a question that how family health insurance works. So here is the imaginary situation to understand its working well. Suppose Mr. Pankaj Kapoor has a family of 4 members i.e. Mr. Kapoor, his wife, and two children. He has health coverage of Rs. 10 lakh in a year. He gets malaria during the year and has to undergo hospital treatment. There the total medical expenditure comes out to be Rs. 2 lakh. So now for the remaining year, Mr. Kapoor has left with Rs. 8 lakh that can be spent on the medical expenses of their remaining family that will include him, his wife, and children. In case the two people fell sick in a year and the total amount insured for the year is used so the rest no claim will be provided to the other two members in case they fell sick.

So the person needs to choose the right type of health insurance for the family so that all the people are provided with the benefits. Here is the list of things that need to be considered. Let's have a look at them.

  • Sum insured: While selecting the insurance plan, the person needs to carefully analyze the fact that how much sum the person wants to insure. So that in case more than one person falls sick, the amount is sufficient to be used on the treatment. Do consider the age of the eldest person while selecting the sum to be insured.

  • Risk factor: If the person has a family member that is quite old, he needs to get a policy that will provide benefits accordingly. He needs to understand the facts about the risk and accordingly take the policy.

  • Terms and conditions: Forgetting the best from the policies, it is very important to understand all the terms and conditions that are applied to the policy. Understand them well and choose the policy accordingly.


Care Health Insurance provides one of the best insurance policies for the whole family. It provides covers to the medical expenses of every member and makes their life happy and tension-free.

Tags: English