Health insurance
Top-up policy
What is family health insurance?
Family health insurance is more than just a safety net; it's a proactive step towards securing your family's health and financial future. As new parents, young families, or newlywed couples, you want to ensure that you and your loved ones have access to the best healthcare without the financial burden.
Individual health insurance vs. Family health insurance
Individual health insurance offers coverage for one person only. It often comes with a higher premium, especially if multiple individual policies are taken out, and the sum insured is specific to the individual. This means that each policyholder has their own separate coverage. In contrast, family health insurance extends coverage to the whole family under a single policy. This generally results in a lower premium due to the combined coverage, and the sum insured is shared among all family members. This type of policy is easier to manage since it involves only a single policy for the whole family.
Benefits of buying the best Health Insurance Plan for family from Zuno
Choosing Zuno for your family mediclaim policy needs comes with numerous advantages:
Wide range of coverage
Including everything from hospitalization to preventive care.
Affordable premiums
Competitive pricing ensures value for money.
Customizable plans
Tailor your coverage to fit your family’s unique needs.
Hassle-free process
You can buy a health insurance policy online without stepping out of your
Seamless online purchase
Easy and hassle-free buying process.
Cashless network hospitals
We have over 10000+ hospital tie-ups in our network. You won't have to stress about finding one in an emergency.
Security deposit
Get a cash advance instantly for reimbursement claims
Tax benefits
Premiums paid on family health insurance might be eligible for tax deductions.
Am I eligible to buy a Family Medical Insurance plan?
Most families are eligible for a family health insurance plan. Generally, eligibility includes:
- Primary policyholder aged above 18 years
- Dependent children up to the age of 25 years.
- Spouses and dependent parents.
What's covered by Zuno Family Health Insurance?
Our comprehensive family health insurance plan offers a wide array of base covers to ensure your family is well-protected:
1. Hospitalization: coverage for in-patient treatment in hospitals.
2. Health check-ups: routine health check-ups to keep your family's health in check.
3. No claim bonus: earn a bonus of 50% of the sum insured, up to 100%, for every claim-free year (applicable for gold & platinum plans).
4. Ayush cover: coverage for alternative treatments under Ayush including Ayurveda, yoga, and more.
5. Infant coverage: infants from 3 months can be covered under family medical insurance.
6. Lifelong renewability: medical insurance policy for family can be renewed lifelong
7. Free annual health check-up: receive a complimentary health check-up after each claim-free year.
8. Critical illness cover: in-built cover for critical illnesses included in gold and platinum plans.
9. Additional assistance services: a wide range of support services to assist you when needed.
What is not covered by Zuno Family Health Insurance?
1. Pre-existing conditions: costs related to pre-existing conditions and listed treatments/surgeries before specific waiting periods are completed.
2. Initial waiting period: costs for treating any illness within 30 days from the policy's start date.
3. Diagnostic admissions: costs for admissions primarily for diagnostics and evaluations.
4. Cosmetic surgery: costs for cosmetic or plastic surgery or any appearance-altering treatment, unless medically necessary.
How many family members can be covered under a Family Medical Insurance Plan?
These comprehensive plans are designed to offer extensive medical support and security for the entire family.
Policyholder
Ensures they have access to necessary medical care.
Spouse
Offers protection and peace of mind for their partner.
Dependent children (up to three)
Guarantees that the kids receive essential healthcare services.
Dependent parents
Ensures elderly family members are also covered and cared for.
Documents required to Buy Family Health Insurance
Proof of identity (Aadhar card, Pan Card, passport): these documents are necessary to verify your identity and ensure that the information matches official records.
Medical history (if required): in certain cases, providing detailed medical history, including previous illnesses and treatments, may be necessary for a thorough assessment.
Key factors to consider when purchasing the best Family Health Insurance in India.
When choosing a family health insurance plan, it’s important to consider several key factors that can affect your coverage and peace of mind.
Sum insured
Make sure the sum insured is enough to cover medical expenses for everyone in your family. Look at your family's health history and potential treatment costs.
Plan sub-limits
Check for any sub-limits on specific treatments within the plan. Some policies might limit how much you can claim for certain illnesses or surgeries, which could lead to unexpected out-of-pocket costs.
Network hospitals
Select a plan that includes a wide range of cashless hospitals. More options mean you can find a convenient hospital without worrying about upfront payments.
Waiting periods
Understand the waiting periods for pre-existing conditions and certain treatments. Many insurance policies have set waiting times before coverage starts, so know these details to avoid surprises.
Adding new family members
Choose a plan that allows you to easily add new family members. Life changes like marriage or having a child can change your needs, and a flexible plan can help.
Comprehensive coverage & benefits
Look for plans that offer more than just hospitalization. Consider policies that include outpatient treatments, preventive care, and wellness benefits to cover a range of healthcare needs.
Cashless hospitalization
Pick plans that provide cashless treatment options. This feature allows you to receive care without immediate payment, which is especially helpful in emergencies, giving you peace of mind when you need it most.
Why buy Family Health Insurance online?
Easy online purchase
Buying family health insurance online allows you to compare plans from the comfort of your home. You can take your time to choose the best coverage without the hassle of long lines.
24/7 customer service
Online insurance shopping offers round-the-clock customer support. This means you can get assistance with your questions anytime, ensuring you always have the help you need.
Go paperless
Opting for paperless options benefits the environment and enhances your buying experience. All your transactions are stored online, making it easy to access policy details whenever you need them.
Contactless experience
Purchasing online minimizes physical interaction, enhancing convenience and safety. You can research and pay for plans from your device, following health guidelines without unnecessary contact.
Tips for choosing the best Health Insurance Plans for your Family in India 2024
By following these guidelines, you can choose the best health insurance plan that offers optimal coverage and benefits tailored to your family’s needs in 2024.
Evaluate your family's medical needs
Before selecting a plan, assess the specific medical needs of your family members. Consider factors such as age, pre-existing conditions, potential health risks, and the types of healthcare services you frequently use. This will help you figure out the level of coverage required.
Compare coverage amounts
Make sure that the sum insured is sufficient to cover potential medical expenses. Healthcare costs are on the rise, and a higher coverage amount will offer better financial protection in case of major medical emergencies.
Check the credibility of the insurance provider
Research the reputation and reliability of the insurance company. Check the customer reviews, claim settlement ratios, and the provider’s market presence. A provider with a high claim settlement ratio and positive customer feedback is preferable.
Review network hospitals
Opt for a plan with an extensive network of cashless hospitals. This feature lets you access treatment without the need for upfront payments. Check if the hospitals in the network include those near your residence or those you trust for medical care.
Understand sub-limits and co-payment clauses
It's crucial to be aware of any sub-limits on particular treatments and co-payment requirements. Sub-limits can restrict the reimbursement amount for specific expenses, while co-payment means you'll need to pay a part of the medical costs out-of-pocket.
Examine the waiting periods
All health insurance plans come with waiting periods for specific conditions, especially pre-existing ones. Understand these waiting periods to avoid surprises when you need to make a claim.
Flexibility to add family members
Look for plans that allow you to easily add new family members, such as newborns or elderly parents, without extensive paperwork. Make sure the process is straightforward and does not overly complicate policy management.
Comprehensive coverage and additional benefits
Select a plan that offers widespread coverage, including inpatient care, outpatient consultations, diagnostic tests, and preventative care. Additional benefits such as ambulance charges, day-care procedures, and health check-ups can add significant value.
Cashless hospitalization facility
Prioritize plans that provide a cashless treatment facility. This convenience cannot be overstated, as it eliminates the strain of arranging funds during medical emergencies.
Online policy management
In today’s digital age, the ability to purchase and manage your policy online is a huge advantage. Choose a provider that offers a seamless digital platform for transactions, policy renewals, and customer support.
Customer service and support
Good customer service is vital. Ensure the insurer provides 24/7 support to help you navigate through emergencies and claim processes efficiently.
How to buy best Mediclaim Policy for Family online from Zuno?
Step 1
Choose the number of family members you want to insure, along with the desired sum insured and any add-ons you need.
Step 2
Select the appropriate health declaration for yourself and/or your family, and receive your quote.
Step 3
Verify your mobile number (ensure it's a number that will remain active in the future).
Step 4
Enter the required details and complete your payment using any of the available payment methods.
Step 5
Fill in the form with necessary information such as nominee, complete KYC, etc.
Family Health Insurance claim process with Zuno insurance
Step 1
Contact us via our toll-free number 1800 12000, our paid landline 022 423 12000, or email us at support@hizuno.com with your health insurance claim details.
Step 2
We will process your claim and either reimburse you if you've paid upfront or settle the bill directly with the hospital for cashless treatment.
Family health insurance - FAQs
Who qualifies for coverage under a family medical insurance plan?
Typically, spouses, children, and dependent parents.
Can I buy family health insurance plans with tenures longer than one year?
Yes, multi-year policies are available.
Do family medical insurance plans have waiting periods?
Yes, typically for pre-existing conditions.
What happens to my policy if I forget to renew coverage on time?
A grace period is provided, but it’s best to renew on time to avoid lapses.
What are the age restrictions for a family health insurance policy?
Typically, the age limit for adults is up to 65 years, with no entry age barrier under the new regulations.
How can I switch my current insurance to Zuno?
Contact Zuno's customer support for guidance on portability.
Up to what age can the family health insurance plan be renewed?
Renewal is available for a lifetime.
Are genetic disorders covered in family health insurance?
Coverage for genetic disorders depends on the specific policy terms.
Are dental treatments covered under family health insurance?
Some plans include dental treatments; check your policy details.
What factors influence the calculation of the premium of a family health insurance policy?
Factors include age, health history, coverage amount, and add-ons.
Can cashless claims be raised for all family members covered in the plan?
Yes, cashless claims can be raised for any insured family member.
Is a medical test required to buy family health insurance?
It depends on the age and medical history of the insured members.
What steps should I take if my claim is denied?
Contact Zuno's support team for clarification and assistance.
Is overseas treatment for an illness covered?
Some policies may offer international coverage; check your policy details.
How can I contact Zuno insurance?
Visit Zuno’s website or call their customer support.
How long can my kid stay on family health insurance?
Dependent children can typically stay insured until 25 years old.
What happens if the primary insured person dies? Can the family floater policy be renewed by any of the surviving members of the policy?
Yes, the policy can be renewed by a surviving member.
Do I need to take a separate health policy if my family and I are already covered in a corporate health policy?
It’s advisable to have a separate family policy for additional coverage.
Can I cancel my Zuno family health insurance policy?
Yes, policies can be canceled as per the terms and conditions.
How can I add my family members to the existing family health policy?
Contact Zuno’s customer support for assistance with adding members.
How to choose a health insurance plan for a family in India?
Consider coverage options, network hospitals, premium costs, and policy terms.