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Have you had a health talk with your family? Here are some points for choosing a family health insurance

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Published on August 18, 2021. EST READ TIME: 3 minutes

Health has always been one of the crucial aspects of people's lives. We all have heard the phrase: 'Health is wealth'.  And the last one year has made us realise the importance to follow this proverb even more. The novel coronavirus had a devastating effect on the world. India was among the worst affected countries in the world. The Covid-19 second wave overwhelmed our healthcare system and, in some cases, resulted in families' deaths.

The Covid-19 situation highlighted the importance of having suitable health insurance to take care of the uncertainties brought upon by the pandemic. However, it is not just the pandemic; any disease/ailments can affect anyone at any time. Therefore, while picking the best family health insurance is extremely vital, it is equally essential to talk to your family about health. Here are some tips to help you navigate those conversations.

• Clear communication:

   Some people may not be open to sharing their medical conditions with family members because they don't know if they'll understand it. So, you need to let your family members know that they can help prevent or delay those same concerns by talking about them. Start the conversation by sharing some of your health issues. Even children need to be included in the conversations as they need to be aware of health concerns to prepare well for the future.

   

• Awareness about common hereditary conditions and health habits:

  While people mostly share life-threatening or severe medical conditions with their family, other conditions such as high blood pressure or asthma is just as important. Consult your doctor about common hereditary conditions and inform your family members about them to understand that it is essential to talk about all sorts of medical conditions.

   

• Encourage family members to talk to their doctors:

   Being aware of your family health history is only the first step in preventing or delaying conditions. You also need to make sure every member of the family has access to that information. Then, it would be best if you encouraged them to share the information with their doctors.

Choosing a family health insurance plan

Healthcare has become more and more expensive over the past few years. Therefore, investing in a good family health insurance plan has become imperative. In addition, the coronavirus pandemic has further highlighted the importance of being prepared in case of any medical emergency. Before investing in an insurance plan for your family, keep the following points in mind.

1. Policy type

   There are an array of family health insurance plans in the market. You need to know what category they fall under and whether they allow you to include multiple members or not. Most policies include pre and post hospitalisation expenses, room rent, daily allowance, ambulance charges, and cashless hospitalisation. You should select a health insurance plan which is family-oriented. They are often called 'family floaters'.

    

2. Flexibility

   This is especially important for family insurance plans. One can decide to expand their family or add another member later to their existing policy. Therefore, you need to make sure your policy allows new members to be added to it.

    

3. Waiting Period

    Waiting period is the time during which their insurance plan does not cover an individual. It usually starts when purchasing the health insurance plan and can vary from 2 to 4 years. Therefore, before investing in a <a href =“https://www.hdfcergo.com/health-insurance/family-health-insurance” family health insurance</a>policy, one should ideally consider a policy that has a lesser waiting period.

    

4. Covering additional expenses

    While purchasing an insurance policy for your family, make sure you read about the additional expenses the chosen plan covers. For example, in some cases, if an extra premium is paid, discounts can be availed.

Conclusion

Having a clear understanding of your family is of utmost importance. And an individual needs to be prepared to take care of sudden health-related emergencies. That is why they need to invest in a good family insurance policy. One needs to do an extensive research before investing their money in an insurance plan in India. They need to read the fine print to maximise their benefits.

Disclaimer:  The above information is for illustrative purposes only. For more details, please refer to policy wordings and prospectus before concluding the sales.

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