Family health insurance is there to provide coverage of all expenses that occur out of in-patient hospitalization, pre-hospitalization, post-hospitalization, daycare, health check-up, emergency ambulance service, etc. Let's look at each in detail:

In-patient Hospitalization:

All the medical expenses that take place because of hospitalization will be liable to get cover. If any of the insured family members are hospitalized for more than 24 hours, then the insurance company will pay all the medical expenses related to the same.

Pre-hospitalization Expenses:

The insurance company will also pay for the expenses that occur before hospitalization are termed as pre-hospitalization expenses. For example, X-ray, MRI, blood test, urine tests, sonography results, etc. done before hospitalization are covered.

Post-hospitalization Expenses:

Any medical expenses after getting discharged from the hospital would be liable to get cover. For example, medicines, or any medical tests done after the discharge to check the improvement.

Hospital Cash:

The insurer offers a daily cash allowance. The same amount can be used for transportation or other basic requirements of the person attending the patient.

Restore Benefit:

Several health insurance companies provide the restore benefit feature under a family health insurance plan. It assists in reinstating the basic plan cover in case the coverage gets exhausted.

Daycare Treatment:

Daycare treatments which do not require 24 hours of hospitalization. For example, medical expenses related to cataract which can be treated within a few hours.

Ambulance Charges: :

Most of the insurance companies offering family health insurance plan covers emergency ambulance charges. The amount of emergency ambulance charges varies from insurer to insurer.

Eligibility for Family Health Plan

Entry Age for the Policyholder/Proposer

When it comes to family, the eldest member of the family become the policyholder, and he/she should between the age group of 18 to 65 years. But there are a few insurers as well that offers the policy up to the age of 70 years and above.

Entry Age for Family Members

For Adults:

The minimum entry age is 18 years, and the maximum is 65 years, while some insurers also acknowledge a person of 70 years and above.

For Dependent Children:

You can insure a baby of 90 days (this may vary, some insurers may allow it from 30 days and some may have different entry age) to 25 years.

Medical Tests

There are a few insurance companies that can ask you for medical tests. While there are a few companies that can entertain you without a medical test for up to 45 years.

Eligibility for Renewal

Most of the insurance companies are providing a lifelong renewal option. You need to renew the same on time to keep it active. After the due date of renewal, the insurer offers a grace period of 30 days. If you want to keep the policy in force, you must renew before the grace period ends or else the policy terminates.

Exclusions of Family Health Insurance Policy

Insurance Policies cover a vast range of needs of the common man. Still, few restrictions and exclusions remain for most of the Family Health Insurance policies. So, one needs to check the column and lists of the exclusions in their insurance policies. Some of the exclusions of the Family Health Insurance policy are as follows:

• Family Health Insurance Policy does not cover any health disease that is caused by excess intake of alcohol or drugs that are not prescribed by any doctor.
• Sexually Transmitted Diseases (STDs) like AIDS or HIV are excluded from the Family Health Insurance Policy.
• Any treatment for complications in pregnancy like infertility, abortion or miscarriage or any treatment related to childbirth is not covered under any Family Health Insurance Policy.
• Non-allopathic treatments are not reimbursed or assisted under the Family Health Insurance Policy.
• Any assistance for dental or oral treatment is not provided.
• Any reimburse for any loss or damage caused due to mental disorder is not entertained by the Family Health Insurance Policy.
• No diagnostic fees will be reimbursed if the policyholder has no positive sign of the disease, but he or she wants to undergo the medical tests.
• No diagnostic fees will be reimbursed if the policyholder has no positive sign of the disease, but he or she wants to undergo the medical tests.