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Thursday, May 17, 2012
Family insurance policy
Family insurance policy has brought a solution to people problem of affording medical care costs. This problem was believed to be the biggest impediment in the path of quality healthcare. Providers have designed these products, keeping various problems faced by people at the time of medical emergency in mind.
What all are the options available with a human being, when he/she has to settle long medical bills? When a person faces an accident or any sudden mishap, there are lots of difficulties faced by the family. One of the major problems that become a challenge for these people is medical affordability. The costs of medical care are rising so much that quality healthcare is going out of reach of the common man. On the other hand, quality healthcare cannot be compromised, as it is must for survival.
Thus, before it becomes a severe problem for people. It is advised to buy family insurance policy that could offer medical coverage to all family members. There are many benefits associated with these products. These are easily affordable. A single plan offers coverage to all family members, which may include an insured, spouse, dependent parents and dependent children.
Besides it, family insurance policy offers peace to mind, which is most important of all. An insured and his/her family members can live life to greater extent, as there are no financial anxieties to meet medical contingencies in mind. It is supposed to be the best tool that could bring some relief to people at the time of medical emergency. It has brought a solution to people running for the arrangement of funds at the last hour.
When a person buys family insurance policy, he/she can seek quality medical treatment, up to the sum insured for covered perils. There are two ways brought by providers to help insured individuals. The first facility is reimbursement, which includes filing claim for the money spent towards covered medical expenses in non-network hospital. The second method is to keep people away from claim procedure and all the formalities that one is supposed to do at the time of reimbursement. It is the facility of Cashless Hospitalization that allows an insured to go to any network hospital and seek treatment on cashless basis.
Besides it, there are many more facilities that insured individuals get with these products to keep them healthy always and get the cure for the diseases at the earliest. It is because there is no financial hurdle that is believed to be the biggest impediment in the path of quality healthcare.
Among the various plans available in Indian health insurance market, Easy Health has become popular among the larger segment of Indian population. Apollo Munich has brought this plan in three different variants?Standard, Exclusive and Premium, each designed to offer coverage to people of all income groups.
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