Frequently Asked Questions:

What is a family health care insurance plan?

A family health care insurance plan is a type of health care insurance coverage that provides medical insurance for all the members of a family under one single policy. You can include yourself, your spouse, your children. This is a helpful health insurance coverage that allows you to manage the healthcare requirements of all your loved ones from one account.

Is it possible for an individual to have multiple health insurance coverages?

Yes, it is possible t hold multiple insurance coverages. You can have an employer health insurance coverage. In addition, you can also get an individual medical insurance plan. You can also opt for a critical illness insurance coverage, a personal accident coverage, etc... In short, you can have more than one health insurance coverage at a time.

What is the best health insurance coverage for me and my family?

There are many excellent health care insurance plans available these days, but not all are ideal for you. To find the best health insurance for yourself you need to identify the policy that matches your requirements. Look for the following factors in a plan:-

1. The scope of coverage – it should be large enough to cover all your family members sufficiently.
2. The correct form of health care insurance – Individual, family floater, senior health insurance, etc.
3. List of network hospitals – Your preferred hospital should be featured on the list offered by your insurance company.
4. Insurer’s reputation – Look to buy your plan from one of the good health insurance companies. If the insurance provider is sub-standard, you will not get the maximum value out of the medical insurance coverage.

Can the level of insurance of health care insurance plan be increased?

If you feel the health insurance sum insured you opted for while buying the policy is insufficient, you can have it increased. However, you cannot do so after the healthcare policy period has commenced. You have to wait for the policy duration to end, post which you can get the health insurance sum insured increased when going for a renewal.

What are the common health insurance exclusions?

Every health care insurance coverage comes with a fixed set of exclusions. It is very important for you to read the list of exclusions and then choose the medical insurance policy that best suits you. The common exclusions in health insurance include:-

1. Waiting period clause.
2. Pre-existing illnesses.
3. Injuries due to adventurous sports.
4. Treatment due to substance abuse, self-harm, etc...