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A group health insurance provides manifold benefits under one insurance plan.
There is an increasing realisation all round that of all the essential things in life, health insurance holds a place of priority. There are two main reasons for health insurance receiving focused attention. Firstly, people are increasingly being exposed to many hazards like overwork, unhealthy food, lack of exercise, tension at work or in study and social worries. Secondly expenses for medical treatment have escalated manifold. When a person or a child in a family falls sick, one of the hidden worries of the family is to arrange for finance for treatment. health insurance family or a group health insurance comes to your aid in such a case. If therefore you look for health insurance agencies to insure yourself, you must as a rule look for plans to provide health insurance for every family member.
Children specially are very delicate. Thus they are more susceptible to illnesses as their immune system is developing as compared to adults. Gone are the days when a medical surgery or a serious problem could only affect the system of an adult. In today?s times, even children have to go through a lot of trouble as far as their health in concerned. Thus health insurance for kids is imperative.
Many health insurance agencies are realising the importance of providing health insurance for children and senior citizens and are incorporating provisions for them in the policy. The benefits of the medical policy then apply to children to the same extent as for parents. The scheme for including children or parents is roughly a family plan. This means that coverage for the entire family can be extended to the children of the house as well. The coverage under group health insurance may include the following:
? Medical expenses incurred during hospitalisation as an indoor patient including room charge, doctor?s fees, surgeon?s charges, O.T charges etc. The period of hospitalisation should exceed a certain time frame for the expenses to be reimbursed by the insurance company.
? Medical expenses incurred before and after hospitalisation can also be covered.
? Day care expenses requiring less than 24 hours hospitalisation for advanced surgeries and procedures including Dialysis, Radiotherapy and chemotherapy which take less than 24 hours.
? Pre-existing medical diseases can be covered after a certain time as part of coverage with the same company under certain conditions.
Usually a senior citizen health plan stipulates certain exclusions from the contract for a certain period. These may include:
? Benign Prostatic Hypertrophy
? Hernia, Hydrocele
? Cataract
? Arthritis
? Stone is urinary and biliary systems.
? Dialysis for chronic renal failure.
Thus as it has been mentioned above, it is a must to secure your parents and children with the best health policy for senior citizens or children.
Source: http://www.newsdaily247.com/finance/opt-family-health-insurance-plan-enjoy-hassle-free-family-life/
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