Family Health Insurance

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Family health insurance is essential nowadays. It’s a simple way to pay for the complete family’s health care requirements. This insurance helps to protect you from the expenses of hospitalization and medical services during a medical emergency. 

While health facilities in the country have been improving rapidly, their costs are also going up dramatically. Hence the smartest way to manage your planned or unforeseen medical expenses is to purchase a Family health insurance plan with a sum insured that’s adequate for your family’s requirements. 

You can get insurance coverage for yourself, your children, and your spouse on a floater sum. This allows your family members to jointly claim insurance up to the full sum insured within the year. The plan can also be customized as per your family’s requirements.

Typical factors to consider before buying a family health insurance plan from the market:

  • The sums insured (the minimum and maximum amounts offered by the policy). 
  • The number of network hospitals tied up, for availing cashless treatment – these should be adequately present in your city and also your neighborhood.
  • The waiting period for pre-existing and specified ailments should be the lowest.
  • The renewal age should be as high as possible.
  • A favorably high claim settlement record for the insurer (past history of claims paid).

Everybody wants to buy a health insurance policy that offers the maximum coverage to their family in time of need. However, multiple health insurance plans are available in the market with various features. This makes it confusing to pick the right one. 

It can be difficult to go through so many policy types and understanding their advantages, inclusions, exclusions & limitations can be a difficult task. Due to time constraints, many of us often buy a family health plan without being able to compare it adequately with the others on offer. So here are some useful tips to help you choose the best family health insurance plan for your family.

A Family health insurance policy offers coverage against expenses incurred during in-patient hospital medical treatment. The plans we offer include standard or better-than-standard covers for room and ICU charges, doctors’ charges, prescribed medicines during hospitalization, pre and post-hospitalization treatment periods, ambulance charges, etc. 

We offer a plan with the lowest waiting period of 1 year only, for covering the treatment of pre-existing or named ailments. Usually, most market policies come with a waiting period of 2 to 4 years from the date of the initial policy purchase, so this low waiting period is a real benefit for you.

Understanding the room rent limit or cap, if any, in your insurance plan is very important. Whether you can claim insurance for a private hospital room, a shared room, or a ward bed depends on the type of plan you buy. Several plans available in the market have room-rent caps. It’s always better to go for a policy that has no cap on room rent. Hence our plans cover a standard single a.c. a room without room-rent capping if you choose a sum insured of Rs 5 Lac and above.

Finally, you need to make sure that the premium you pay is reasonable for the benefits you get. Secure now provides a health insurance plan that not only offers every desirable benefit including the lowest 12 months pre-specified / named ailment waiting period but also provides these at the lowest premium around. Its annual premium starts at only Rs 1465! A simple comparison of individual health plans from various brands shows that this policy we’re providing is typically 40-45% cheaper than others of its kind for any sum insured available and at any family size!

Income Tax benefits are also available for you, under Section 80D of the Income Tax Act, on the purchase of this Family health insurance plan.

By now you would have an excellent idea of what to look for in a family health insurance plan. All that remains is for you to know how to buy it.  

Tap the Family Health insurance icon and view the comprehensive benefits and unmatched prices. Enter your details and you can get the policy issued instantly! 

You want to take the best care of your family, so you should not need to make any compromises. Just pick the best family health insurance that we’ve brought to you!

About The Author


MBA Insurance Management

Pooja is a dedicated professional with 7 years of experience in the insurance industry, specializing in Family Health Insurance. Writing for SecureNow, she offers insightful blogs and articles aimed at simplifying the complexities of health insurance for families. Her expertise ensures that readers gain practical, easy-to-understand advice on choosing the best coverage to protect their loved ones. Committed to making informed decisions accessible, Pooja stays updated on industry trends and developments, providing valuable content that empowers families to secure their health and financial well-being.