subject: Mediclaim for a Family [print this page] Mediclaim for a Family Mediclaim for a Family
In the current scenario, mediclaim is a must for every individual. Instead of purchasing individual mediclaim policy, there is option of purchasing family mediclaim policy. It's really good to cover entire family members under a single policy for a single sum insured.
Generally, the term family means proposer, spouse, parent and dependent children up to the age of 25 years. For parent, cover may available up to the age of 60 years or in some policies cover is not offered to them. The only option is available for them to opt for a senior citizen mediclaim policy.
The premium depends upon the various factors such as age of the person, size of the family and coverage offered under the policy. The premium cost also varies from company to company.
There are various family mediclaim policies are available in the market that covers your entire family members. These policies comes with a variety of benefits to ensure your family members. Basically, family mediclaim policies covers in-patient hospitalization treatment, pre hospitalization, post hospitalization, domiciliary hospitalization, day care procedures, ambulance charges, etc. Some mediclaim policies feature with critical illness cover.
Family mediclaim policy also includes various another benefits. Cashless hospitalization service is provided for your all family members at a network hospitals. The premium paid is eligible for tax benefit under section 80D of the Income Tax Act,1961.
Sometimes choosing mediclaim policy can be daunting task for many people. Go online and check available policies in the market. In addition, availability of online insurance comparison tools can help you to find the best mediclaim policy for your family. Here you can compare mediclaim policies for premium rates, coverage and other benefits.
If your first preference is to avail cheap and quality health coverage, family mediclaim policy is a perfect solution for you.
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