care health insurance family floater
Care Health Insurance offers family floater health insurance policies that provide coverage for your entire family under a single plan. Here are some key features and benefits of Care Health Insurance’s family floater policy:
- Coverage for the Whole Family: A family floater policy from Care Health Insurance covers the medical expenses of all family members, including the policyholder, spouse, dependent children, and sometimes even dependent parents.
- Sum Insured: The policy offers a sum insured, which is the maximum amount up to which the insurance company will provide coverage for medical expenses. This sum insured is shared among all family members.
- Cashless Hospitalization: With Care Health Insurance’s family floater policy, you can avail cashless hospitalization at network hospitals. This means you can receive medical treatment without having to pay the hospital directly (subject to policy terms).
- Pre and Post Hospitalization: The policy covers both pre-hospitalization expenses (medical costs incurred before hospitalization) and post-hospitalization expenses (medical costs incurred after discharge).
- Day Care Procedures: Care Health Insurance’s family floater policy often covers a wide range of day care procedures, which are medical treatments that don’t require 24-hour hospitalization but still need medical supervision.
- No Claim Bonus (NCB): The policy might offer a No Claim Bonus, which means that if you don’t make a claim during a policy year, you could receive an increased sum insured in the subsequent year without a premium increase.
- Maternity Coverage: Some family floater policies might offer maternity benefits, covering expenses related to pregnancy and childbirth, subject to a waiting period.
- Coverage for Critical Illnesses: Care Health Insurance might offer an option to cover specific critical illnesses as part of the family floater policy.
- Add-On Covers: Depending on the specific policy, you might have the option to add extra coverage, such as personal accident cover, critical illness cover, or international coverage.
- Renewability: Family floater policies are typically offered on an annual basis and can be renewed as long as you continue to pay the premiums.
- Network Hospitals: Care Health Insurance has a network of hospitals where you can avail cashless treatment. Check if your preferred hospitals are in the network.
- Customization: You can often customize the policy based on your family’s needs, choosing the sum insured, coverage options, and add-ons that suit you best.
Before purchasing a Care Health Insurance family floater policy, carefully read the policy documents and understand the coverage, terms, conditions, exclusions, and claim process. If you have specific questions about the policy’s features or want to know more about the options available, it’s best to contact Care Health Insurance directly or visit their official website for accurate and up-to-date information.