Health Insurance Plans for Your Family Though there is no shortage of health insurance plans available in India, it is still complicated to decide the top health insurance plan that perfectly suits your personal requirement. When you are searching for good family insurance plans, there are certain basic checkpoints which should be considered to shortlist products like whether the cover provides is for lifetime, whether there are sub-limits to the surgery costs etc. We have shortlisted, reviewed and compared Top 6 health insurance products which are worth your consideration. These plans have been listed in alphabetical order. a) Automatic restores benefit: The key feature of the Apollo Munich Restore is that this product undertakes to reinstate the basic sum insured in case the policy holder utilizes the entire the cover in a particular year. Unlike other floater policies where the other members are left with no cover during that year when the sum assured is exhausted, this policy promises to take care of other dependent members covered in the same policy by offering an automatic restore. The restoration facility can be used by the members for any ailments, but the person who has already claimed for an ailment cannot claim for the same ailment. b) No claim bonus/ Multiplier benefit: This product offers the No claim benefit or the Multiplier benefit i.e. It offers to increase the sum assured by min 50 % if there is no claim in any particular year. The cherry on the cake is, if the subsequent year is also claim free the sum assured gets doubled. c) Life time renewal: Another important feature of this product is that there is no restriction on age for renewal. d) No sub limits, No loading Apollo Munich does not feature sub limits and there is no additional premium charged due to any claim in the previous year. e) Pre and post hospitalization benefit
Pre and Post hospitalization benefits are available for 60 and 180 days which is quite exhaustive. [Source:http://www.medimanage.com/my-health-insurance/medical-insurancearticles/top-6-health-insurance-plans-for-your-family.aspx]