Family Health Insurance & Viral Infection
  • Who all can be part of family floater plan?
  • Coverage for OPD services
  • Which all vector borne diseases are included?
Family Health Insurance & Viral Infection
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Simran Kaur Vij
Written By:
Simran

Simran Kaur Vij

Health and Term Insurance

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.

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Naval Goel

Naval Goel

Insurance & Business

Naval Goel, the founder of PolicyX is a well-recognised name in the Indian insurance and finance industry. His global overview has revolutionised the way insurance is perceived and bought by commoners in India.

Himanshu Kumar

Himanshu Kumar

Term Insurance, Content Writer

Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.

Himanshu Kumar

Written By: Himanshu Kumar

Updated on Jan 15, 2025

Himanshu Kumar

Anchita Bhattacharyya

Term Insurance, Content Manager

Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.

Reviewed By: Anchita Bhattacharyya

15 min read

Rhishabh Garg
Written By: Rhishabh Garg
Rhishabh Garg
Rhishabh Garg Term Insurance Head
Rhishabh Garg is the Business Unit Head of Term Insurance at Policybazaar.com. He has over 10 years of experience and currently plays a crucial role in shaping the future of term insurance in the company. Rhishabh also has experience in customer services and crafts new strategies for organizational success, one of which is Policybazaar’s claim assistance program.
Santosh Agrawal
Reviewed By: Santosh Agrawal
Santosh Agrawal
Santosh AgrawalChief Business Officer
Santosh Agarwal is the Chief Business Officer of life Insurance at Policybazaar.com and has over a decade of experience in the insurance domain. She has helped shape Policybazaar's life insurance vertical and ensures the effective execution of the company's overall strategy. Santosh is also responsible for the Term Insurance for Women domain at Policybazaar.com and educates the masses about its importance and benefits.

How does family health insurance benefit during viral infection?

In India, health insurance is mostly restricted for the people who are above the age of 40 years, carry the risk or ailing with some nature of serious diseases and have the family & financial responsibilities on them. Thus health insurance is often forced on them to live a long life. But unfortunately, these are some biggest myths that are leaving people in distress especially during emergencies because other family members such as kids, housewives, teenagers, etc are uninsured.

The ongoing scenario from the last 1.5 years has given enough reasons to opt for a comprehensive family health care insurance plan where entire families have been witnessed struggling with this highly contagious virus COVID19. While one person in the family who is insured under individual health insurance, was able to get proper treatment on time without breaking any savings. Whereas the other family members such as children, senior citizens or housewives who never bothered to get a best health insurance plan for themselves seemed helpless because of expensive health care treatments.

Family Health Insurance & Viral Infection

And especially during the monsoon i.e. the season that gives birth to various vector-borne & highly contagious diseases, such as viral infections and typhoid. They start getting communicated to the entire family in a series.

Family health insurance plays a critical role when it comes to contagious diseases that have higher chances to circulate within the family. There are several advantages of family health insurance that a family can extract during seasonal infections.

Several family insurance plans cover vector-borne diseases such as viral infection, dengue, malaria, typhoid etc. An adequate financial cover is assigned to treat such seasonal diseases as per the sum insured and the number of family members. Insured family members can get their diagnostic tests, medical costs, and ambulance services, if required either cashless or reimbursement with the help of a family insurance plan. It helps in getting proper treatment for all infected members without any restriction or worry.

Another benefit offered by family health insurance is the OPD cover. In vector-borne diseases, it is not necessary to get hospitalized but requires regular doctor's consultation and regular follow-up as the vector-borne diseases may last longer than the usual duration. Thus Out Patient Department i.e. OPD cover keeps the entire treatment for different family members light on the pockets. The inclusion of OPD varies from plan to plan and company to company as in some OPD cover is a part of the main plan but in some, this comes as an optional cover.

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OPD department or doctor's clinic visits are a bit expensive and when more than one family member is sick, then it can be really difficult to manage funds for a long time without insurance.

Moreover, family health insurance plans shell out another biggest advantage for the family. These plans cover kids up to the age of 21 years-25 years that are generally not insured under any individual health insurance plans. And vector-borne and infection-led diseases are quite common amongst kids in a family, thus family health insurance is quite helpful for them as they are delicate and often found with low immunity to fight such infections.

Family health insurance plans reduce the hassle of keeping track of different individual policies especially when there is a huge tension because of multiple family members falling sick together along with a highly manageable premium for families in comparison with individual health insurance plans.

Conclusion

Therefore, having family health insurance payouts several benefits for the entire family during the peak seasons of infection in keeping the surety of health safety of the entire family.

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.