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Family Health Insurance

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Family Health Insurance Features

Lifelong Renewability
Buy insurance that can be renewed lifelong. The insurer cannot deny you a renewal or increase your prices even if you have made a claim.
Comprehensive Cover
Cover costs of hospitalisation, day-care procedures, OPD and diagnostic procedures related to the hospitalisation. Several products include OPD, maternity and international treatment benefits. The entire family can be covered in one insurance.
Cashless Treatment
The insurances offer cashless treatment is a large network of hospitals. Even if you visit hospitals outside of the network costs will be reimbursed.
Highly Rated
We identify the best rated plans for you. The ratings build in cost, product features and claims payment which makes the recommendations robust. No need for detailed searches or comparisons. We’ve done the work and identified the best insurances for you.

Why Claims Get Rejected?

Pre-existing disease exclusion

Many claims are rejected because they were caused by diseases that existed before you bought the insurance. This can be addressed in two ways. First, to ensure that a full medical check-up is done in the initial stages and second, to buy health insurance with the least exclusion period for pre-existing diseases.

Disease waiting periods

Several insurances have waiting periods for diseases where treatment can be planned such as a joint replacement, benign cyst removal or cataract. We select products with the least waiting periods and exclusions. We also make it clear to you what the waiting periods are.

Room rent caps

This is the main reason for claim payments lesser than the medical costs incurred. If you are hospitalised in a room that costs more than the limit set in your insurance then any claim made is reduced in the proportion that you exceeded the room rent limit. We address this by identifying products that allow hospitalisation in a single room without restrictions.

Why SecureNow

Product Knowledge

We have specialized health underwriters who can give specific recommendations to you.


We work with all insurers to get you the best options- both in terms of price and features.

Quick Turnaround

Proposal forms and medical tests are quickly turned around. We follow up with insurers to make sure the insurance is issued fast.

Strong Claim Support

We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.

Value Added

We support you if you need to get medical tests done or would like access to our wellness programmes.

Policy Administration
System (PAM)

See all your insurances and renewal information in one place. Place service requests on PAM.


With an increased instance of lifestyle diseases and rising health costs, taking a medical insurance plan as an individual is an imperative need today. With benefits like cashless hospitalization and diagnosis, a dedicated health insurance plan is important for treatment as well as prevention of life threatening diseases.
Premium of your individual health insurance policy is determined by the following basis
  • The sum insured
  • The age of the person, younger the person, lower the premium amount
  • The category of policy
  • The prevalence of pre-existing diseases
Group insurance plan may not be enough for an optimum health cover, which is why individual health plans makes sense.
As the name suggest, the beneficiary of individual health plan is an individual. If the policy holder wants to extend the benefits to the entire family, a family floater plan with varying premium rate may have to be taken.
Health insurance is required by all. It's best to buy early when you are fit because if you develop any medical conditions it becomes relatively difficult to buy insurance.
Under section 80D of the income tax act, tax deductions are applicable to individual holding a health insurance plan.

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