Government Mediclaim Insurance for Family: A Wise Investment in Your Health and Future
3 January, 2025
5 Shares
21 Reads
Share
When it comes to securing your family’s well-being, having a reliable health insurance plan for family members is non-negotiable. Rising healthcare costs and unpredictable medical emergencies highlight the necessity of a family mediclaim policy. Among the many options available, government-backed mediclaim schemes offer a combination of affordability, reliability, and comprehensive coverage.
In this blog, we will explore why investing in government mediclaim insurance for your family is a prudent decision for your health and future.
What is a Family Mediclaim Policy?
A family mediclaim policy is a health insurance plan for family members under a single umbrella. These plans provide financial coverage for medical expenses incurred due to illnesses, accidents, or hospitalisations. Unlike individual plans, a family health insurance plan ensures that all members are protected without the hassle of managing multiple policies.
Government mediclaim policies are designed to cater to the financial and medical needs of families from diverse socio-economic backgrounds, offering comprehensive benefits at lower premiums.
Why Opt for Government Mediclaim Insurance for Family?
Below listed are the reasons for choosing the government mediclaim insurance policy for family:
Affordable Premiums
One of the primary advantages of government-backed family health insurance plans is affordability. These plans are subsidised to ensure that even economically weaker sections of society have access to healthcare. The premiums are designed to be budget-friendly, making it easier for families to invest in health coverage without financial strain.
Comprehensive Coverage
Government schemes often include benefits such as coverage for pre-existing conditions, maternity care, critical illness treatment, and preventive health check-ups. This makes them a holistic solution for your family's healthcare needs.
Extensive Network of Hospitals
Most government mediclaim policies are tied to a vast network of hospitals, ensuring cashless treatment in accredited facilities. This feature is especially beneficial during emergencies, as it eliminates the need for out-of-pocket expenses.
Top Government Family Mediclaim Policies in India
Several government-sponsored schemes stand out for their features and affordability. Here are a few popular options:
Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)
This flagship initiative provides health insurance coverage of up to ₹5 lakhs per family annually for secondary and tertiary care hospitalisation. It targets underprivileged families, offering coverage for over 1,500 medical procedures.
Employees' State Insurance Scheme (ESIS)
Designed for employees earning ₹21,000 or less per month, this scheme extends health benefits to the worker and their family. It includes medical treatment, maternity benefits, and coverage for critical illnesses.
Central Government Health Scheme (CGHS)
Exclusively for government employees, pensioners, and their families, CGHS provides comprehensive medical care through empanelled hospitals and wellness centres.
Rashtriya Swasthya Bima Yojana (RSBY)
Targeting families below the poverty line, RSBY offers coverage up to ₹30,000 for a range of medical expenses, including hospitalisation and transportation costs.
Key Features to Look For in a Family Mediclaim Policy
Choosing the right family health insurance plan is crucial. Here are some factors to consider:
Sum Insured
Ensure the sum insured is adequate to cover the medical needs of all family members. Government policies typically offer flexible coverage options.
Network Hospitals
Check the list of empanelled hospitals for cashless treatment. A broader network ensures accessibility during emergencies.
Coverage for Pre-existing Conditions
Verify if the policy covers pre-existing illnesses and the waiting period involved. Government policies often have shorter waiting periods compared to private plans.
Additional Benefits
Look for added advantages such as free health check-ups, maternity benefits, and coverage for daycare procedures.
Limitations of Government Family Mediclaim Policies
While government mediclaim policies offer numerous benefits, they may have certain limitations:
Limited Customisation: Unlike private family health insurance plans, government schemes often have fixed coverage options.
Capping on Treatments: Certain treatments may have upper limits on expenses, which can lead to out-of-pocket costs.
Restricted Eligibility: Some schemes are available only to specific categories of individuals, such as government employees or those below the poverty line.
Complement Government Policies with Private Health Insurance
A government family mediclaim policy is an excellent foundation for health coverage, but supplementing it with a private health insurance plan for family members can bridge any gaps. Private insurers like us offer plans with higher coverage limits, broader hospital networks, and extensive customisation options.
Final Thoughts
Investing in government mediclaim insurance for family members is a wise step towards safeguarding your health and financial future. These policies are affordable, comprehensive, and accessible to a wide audience, ensuring that quality healthcare is within reach for all.
However, for enhanced coverage and additional benefits, consider pairing your government plan with a private family health insurance plan. This combination ensures peace of mind during medical emergencies while protecting your savings.
Whether you're looking to supplement a government mediclaim policy or seeking standalone coverage, Niva Bupa offers plans tailored to your family's unique needs.
Invest in a healthier future for your loved ones today. Visit our website to explore our family mediclaim policies and ensure comprehensive coverage for every stage of life.
Secure your Health with comprehensive insurance plans from Niva Bupa
Health Insurance - Health Insurance | Medical Insurance | Best Health Insurance Plans | Health Insurance Plans | Health Insurance Policy | Best Health Insurance Plans | Best Family Health Insurance | Best Mediclaim Policy | Best Health Insurance In India | Best Medical Insurance In India | Best Health Insurance Plans In India | Best Health Insurance Policy In India | Mediclaim | Best Health Insurance For Senior Citizens In India | Best Health Insurance | Health Insurance With Opd Cover | Mediclaim Insurance | Medical Insurance Plans | Best Health Insurance Company in India | Critical Illness Insurance | Personal Accident Insurance | Mediclaim Policy | Individual Health Insurance | Pregnancy Insurance | Maternity Insurance | Best Family Health Insurance plans in India | Best Health Insurance company | Family Health Insurance | Best Health Insurance plans for Senior Citizens | Mediclaim Policy for Family
Health Insurance Schemes - Chief Ministers Comprehensive Health Insurance Scheme | Employee State Insurance Scheme | Swasthya Sathi Scheme | Pradhan Mantri Matru Vandana Yojna | Government Health Insurance Scheme | Dr. YSR Aarogyasri Scheme | Pradhan Mantri Suraksha Bima Yojna | Health Insurance Deductible | West Bengal Hcovealth Scheme | Third Party Administrator | Rashtriya Swasthya Bima Yojana | In Patient Vs Out Patient Hospitalization | Mukhyamantri Chiranjeevi Yojna | Arogya Sanjeevani Health Insurance | Copay Health Insurance | Cashless Health Insurance Scheme | Mukhyamantri Amrutum Yojna
Travel Insurance - Travel Insurance | International Travel Insurance | Student Travel Insurance | Travel Insurance USA | Travel Insurance Canada | Travel Insurance Thailand | Travel Insurance Germany | Travel Insurance Dubai | Travel Insurance Bali | Travel Insurance Australia | Travel Insurance Schengen | Travel Insurance Singapore | Travel Insurance UK | Travel Insurance Vietnam | Malaysia Tourist Places | Thailand Visa for Indians | Canada Visa for Indians | Bali Visa for Indians | ECR and Non ECR Passport | Qatar Visa Status | USA Visa | Vietnam Visa | USA H1B Work Visa
Become an agent - Insurance Agent | Insurance Advisor | Licensed Insurance Agent | Health Insurance Consultant | POSP Insurance Agent
Group Health Insurance - Startup Health Insurance | Commercial Health Insurance | Corporate insurance vs personal insurance | Group Personal Accident Insurance
Top Hospitals - Best Hospitals in Chennai | Top Hospitals in Delhi | Best Hospitals in Gurgaon | Best Hospitals in India | Top 10 Hospitals in India | Best Hospitals in Hyderabad | Best Hospitals in Kolkata | Best cancer hospitals in Bangalore | Best cancer hospitals in Hyderabad | Best cancer hospitals in Mumbai | Best cancer hospitals in India | Top 10 cancer hospitals in India | Top 10 cancer hospital in Delhi | Multi Speciality Hospitals in Mumbai | Multi Speciality Hospitals in Chennai | Multi Speciality Hospitals in Hyderabad | Super Speciality Hospitals in Delhi | Best Liver Hospitals in Delhi | Best Liver Hospitals in India | Best Kidney Hospitals in India | Best Heart hospitals in Bangalore | Best Heart hospitals in India | Best Heart hospitals in Kolkata | Best Heart hospitals in Delhi
Others - Top Up Health Insurance Policy | Corporate Health Insurance | Health Card | Section 80d of Income Tax Act | Ayushman Bharat | Health Insurance Portability | GoActive Family Floater Plan | Health Companion Family Floater Plan | Health Premia Family Floater Plan | Health Pulse Family Floater Plan | Health Recharge Family Floater Plan | Heartbeat Family Floater Plan | Money Saver Family Floater Plan | Saral Suraksha Bima Family Floater Plan | Senior Citizen Family Floater Plan | Super Saver Family Floater Plan | Corona Kavach Family Floater Plan | Hospital Cash Insurance | Cashless Health Insurance | Health Companion Price revision | Heartbeat Price revision | ReAssure Price revision
Health & Wellness - PCOD | PCOD Problems Symptoms | Stomach Infection | Stomach Infection symptoms | Home remedies for Stomach Infection | Hypertension definition | How to Control Sugar | Typhoid in Hindi | Blood sugar symptoms | Typhoid symptoms in hindi | Low sugar symptoms | ब्लड शुगर के लक्षण | pregnancy me kya kare | Open heart surgery cost | Blood infection symptoms in hindi | BP badhne ke karan | Khansi ka gharelu upay | Omicron | Coronavirus Health Insurance | Covid XE Variant | Norovirus
www.nivabupa.com
+91 11 41743397
1860-500-8888
3rd Floor, Capital Cyberscape, Sector 59, Gurgaon
- Insurance is a subject matter of solicitation. Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) (IRDAI Registration Number 145, Category:Health), 'Bupa' and 'HEARTBEAT' logo are registered trademarks of their respective owners and are being used by Niva Bupa Health Insurance Company Limited (formerly known as Max Bupa Health Insurance Company Limited) under license. CIN: U66000DL2008PLC182918
- 1 Niva Bupa processes pre-authorisation requests within 30 minutes for all active policies, subject to receiving all documents and information(s) up to Niva Bupa’s satisfaction. The above commitment does not include pre-authorisation settlement at the time of discharge or system outage.
- 2 Since Inception refers to claim data from 2010 till December 2023.
- 3 ReAssure 2.0 Premium: The premium is including taxes and for Bronze Variant, for a 25-year-old individual living in Delhi.
- 4 Aspire Premium: The premium is including taxes and for Gold+ Variant, for a 25-year-old individual living in Delhi.
- 5 Senior First Premium: The premium is including taxes and for Gold Variant, for a 65-year-old individual living in Delhi.
- 6 Health Premia Premium: The premium is including taxes and for Silver Variant, for a 25-year-old individual living in Delhi.
- 7 SmartHealth + Disease Management Premium: The premium is including taxes and for Disease Management Gold Variant rider when bought with ReAssure 2.0 Bronze variant with Base Sum Insured of 5 lacs, for a 25-year-old individual living in Delhi.
- Beware of spurious / fraud phone calls! Do not share your confidential information like Debit / credit card number, Internet Banking User ID/Password, Pin, CVV, OTP, etc. with anyone. Avoid clicking on attachments / payment link received in mails / message from unknown sources. IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment or premium. Public receiving such phone calls are requested to lodge a police complaint. Do not respond to unsolicited and attractive offers received through unidentified calls, emails, SMSs, and other social media platforms. Beware of misleading telephone calls from people posing as Niva Bupa officials, agents, IRDAI Officials, Officials from ECI (Office of the Executive Council of Insurers) etc. and offering alluring benefits or sharing false information on your policy or on Niva Bupa. Niva Bupa shall not be responsible for any loss or damages whatsoever for any acts or omissions arising out of such spurious calls, and all customers are advised to contact our customer care at 1860-500-8888 and verify any representations or promises made by any such spurious callers before acting upon the same.