{"id":591,"date":"2021-10-08T08:28:25","date_gmt":"2021-10-08T08:28:25","guid":{"rendered":"https:\/\/www.pobrix.com\/?p=591"},"modified":"2021-10-08T08:28:25","modified_gmt":"2021-10-08T08:28:25","slug":"3-things-to-consider-before-you-buy-family-medical-insurance","status":"publish","type":"post","link":"https:\/\/www.pobrix.com\/3-things-to-consider-before-you-buy-family-medical-insurance\/","title":{"rendered":"3 Things to Consider Before You Buy Family Medical Insurance"},"content":{"rendered":"
If you have undertaken a decision to buy a medical insurance policy for your family, then that is indeed a wise move. Having financial backup in case any of your beloved family members fall ill or undergo a major injury is important during these times when medical inflation runs high. However, buying any policy without serious consideration will not do. You must ask some important questions to choose the correct family plan. In this article, we have laid down three questions to ask in regards to your family before you buy a family <\/span>health insurance plan<\/b><\/a>.\u00a0<\/span><\/p>\n <\/p>\n <\/p>\n In most health insurance plans for family coverage, you can add a large number of people, including your nieces and nephews, dependent parents-in-law and siblings, and so on. One can also purchase a family plan if they are a single parent family. However, adding everyone in the family under one plan may not always be a good idea. Some family members may require a separate plan for themselves. For instance, senior citizens may require frequent medical care and so, may make regular claims on the family plan. A separate medical insurance plan would be perfect for them, as it would include a separate sum insured solely for themselves and their medical needs.\u00a0<\/span><\/p>\n <\/p>\n <\/p>\n This is an important question to ask as it will help you decide if you need to buy a <\/span>critical illness insurance<\/b><\/a> add-on with the medical insurance plan. This add-on helps one with a lump sum payment in case of diagnosis of a serious, life-threatening illness. As many may be aware, such illnesses are often genetic in nature. A dive into the family histories of yourself, your spouse, and that of respective parents, can help you determine if you may be at a genetic risk or not. Alternatively, you can also check if any family members lead a lifestyle that puts them at risk for critical illnesses as, in many cases, the causes can be environmental as well.\u00a0<\/span><\/p>\n\n
\n