True Healthcare For your Family

Purchasing health insurance is crucial for several reasons:

1. Financial protection: Health insurance helps cover the cost of medical treatments, hospitalization, and medications, preventing high out-of-pocket expenses during emergencies or illnesses.
2. Access to quality healthcare: With insurance, you can access a network of healthcare providers, ensuring timely and quality care without financial strain.
3. Preventive care: Many health insurance plans cover preventive care services like vaccinations, screenings, and check-ups, promoting early detection and a proactive approach to maintaining health.
4. Peace of mind: Health insurance provides a sense of security, knowing that you and your family are protected from unforeseen medical costs.
5. Tax benefits: In some countries, health insurance premiums may be eligible for tax deductions or credits, providing financial incentives to maintain coverage.

In India, the eligible age to buy health insurance varies depending on the policy and the insurance company. Generally, individuals can purchase health insurance for themselves and their dependents starting from the age of 18. For children, coverage is typically available from 90 days to 25 years old, depending on the insurer and policy.

Many insurance companies offer senior citizen health insurance plans specifically designed for individuals aged 60 and above. However, these plans may come with higher premiums, co-payments, or waiting periods for pre-existing conditions.

It is essential to check the specific age criteria and terms for each policy and insurer, as the eligibility requirements may differ.

Yes, you can cover your family under your health insurance through a family floater plan. Family floater plans are designed to provide coverage for the entire family under a single policy, which typically includes the policyholder, their spouse, and dependent children. Some insurers may also allow you to include dependent parents, siblings, or in-laws in the policy.

The family floater plan offers a shared sum insured, which means that all the covered members can utilize the policy benefits up to the maximum limit. It is generally more cost-effective and convenient than purchasing individual policies for each family member.

However, it's essential to carefully review the terms and conditions of the family floater plan and compare it with individual plans to ensure it adequately meets your family's healthcare needs.