22# Family Floater Health Insurance Kya Hai aur Kaise Kaam Karta Hai?
Aaj ke time mein health insurance lena har family ke liye zaroori ho gaya hai. Medical expenses din ba din badh rahe hain, aur ek chhoti si bimari bhi apki savings ko khatam kar sakti hai. Yahi wajah hai ki log **Family Floater Health Insurance** ki taraf attract ho rahe hain. Lekin yeh **Family Floater Health Insurance kya hai**? Yeh kaise kaam karta hai, aur kyun apke parivar ke liye yeh ek smart choice ho sakta hai? Is article mein hum iske baare mein detail se baat karenge, taki aap apne parivar ke liye sahi decision le sakein.
---
## Family Floater Health Insurance Kya Hai?
**Family Floater Health Insurance** ek aisa health insurance plan hai jo ek hi policy ke under poore parivar ko cover karta hai. Isme ek fixed sum insured hota hai, jo parivar ke sabhi members ke liye shared hota hai. Matlab, agar apki family mein 4 log hain, toh ek hi policy ke under sabki medical needs cover ho sakti hain. Yeh plan apke parivar ke liye ek protective shield ka kaam karta hai, jo hospital bills, doctor fees, aur medical emergencies ke time kaafi helpful hota hai.
### Key Features of Family Floater Health Insurance
- **Single Premium**: Ek hi premium pay karke poore parivar ko cover kar sakte hain.
- **Shared Sum Insured**: Policy ka sum insured sabhi family members ke beech shared hota hai.
- **Flexible Coverage**: Aap apne budget ke hisaab se sum insured choose kar sakte hain.
- **Wide Coverage**: Hospitalization, pre aur post-hospitalization expenses, day-care treatments, aur kai baar ambulance charges bhi cover hote hain.
---
## Family Floater Health Insurance Kaise Kaam Karta Hai?
Ab baat karte hain ki yeh **Family Floater Health Insurance kaise kaam karta hai**. Isko samajhne ke liye ek simple example lete hain:
Maan lo aapne apne parivar (aap, apki wife, aur do bacche) ke liye 5 lakh ka family floater plan liya hai. Agar is saal apki wife ko koi medical emergency hoti hai aur hospital bill 2 lakh ka aata hai, toh insurance company us bill ko cover karegi. Ab bacha hua 3 lakh ka sum insured baaki family members ke liye available rahega. Agar kisi aur family member ko medical zarurat padti hai, toh woh bhi is bache hue amount se cover ho sakta hai.
### How It Works in Steps:
1. **Policy Purchase**: Aap apne parivar ke liye ek family floater plan khareedte hain aur sum insured select karte hain (jaise 5 lakh, 10 lakh, ya zyada).
2. **Premium Payment**: Har saal ya mahine ke hisaab se premium pay karna hota hai.
3. **Medical Emergency**: Agar kisi family member ko hospital jana padta hai, toh insurance company se claim kar sakte hain.
4. **Claim Process**: Cashless ya reimbursement claim process ke through bills settle kiye jate hain.
5. **Sum Insured Usage**: Poora sum insured parivar ke kisi bhi member ke liye use ho sakta hai, jab tak limit khatam na ho.
---
## Family Floater Health Insurance Lene Ka Process
Family floater health insurance lena kaafi easy hai. Aaj kal online platforms aur insurance agents ke through aap yeh policy khareed sakte hain. Niche step-by-step process diya gaya hai:
1. **Research Karo**: Apne parivar ki needs aur budget ke hisaab se plans compare karo.
2. **Sum Insured Chuno**: Apni family size aur medical history ke basis par sum insured decide karo (jaise 5 lakh, 10 lakh, etc.).
3. **Insurance Provider Select Karo**: Trusted companies jaise Star Health, HDFC Ergo, ya ICICI Lombard mein se chuno.
4. **Online Application**: Insurance company ki website ya app se policy ke liye apply karo.
5. **Documents Submit Karo**: Zaroori documents upload karo (details niche di gayi hain).
6. **Premium Pay Karo**: Online payment ke through premium bharo.
7. **Policy Receive Karo**: Approval ke baad policy document apke email ya address par bhej diya jayega.
---
## Important Documents for Family Floater Health Insurance
Family floater health insurance lene ke liye kuch basic documents ki zarurat hoti hai. Yeh ensure karta hai ki process smooth rahe aur claim ke time koi dikkat na ho.
### List of Required Documents:
- **Identity Proof**: Aadhar Card, PAN Card, Passport, ya Voter ID.
- **Address Proof**: Aadhar Card, Utility Bill, ya Rent Agreement.
- **Age Proof**: Birth Certificate, School Certificate, ya Aadhar Card.
- **Medical History**: Agar pre-existing diseases hain, toh medical reports ya doctor ka certificate.
- **Photographs**: Recent passport-size photos of all family members.
- **Income Proof**: Kai cases mein, sum insured ke liye income proof maanga ja sakta hai.
---
## Eligibility Criteria for Family Floater Health Insurance
Family floater health insurance ke liye eligibility criteria company aur plan ke hisaab se thoda alag ho sakta hai. Lekin generally yeh criteria follow kiye jate hain:
- **Family Members**: Policy ke under usually spouse, children, aur parents cover kiye ja sakte hain.
- **Age Limit**: Bacchon ke liye minimum age 3 months se lekar 25 saal tak ho sakti hai. Adults ke liye 18 se 65 saal tak common hai.
- **Pre-existing Diseases**: Agar koi pre-existing disease hai, toh uska disclosure karna zaroori hai. Kai plans mein waiting period hota hai (1-4 saal).
- **Indian Residency**: Policy lene wala Indian resident hona chahiye.
- **Health Check-up**: High sum insured ya senior citizens ke liye medical check-up ki zarurat ho sakti hai.
---
## Benefits of Family Floater Health Insurance
Yeh plan parivar ke liye kaafi faydemand hai. Niche kuch key benefits hain:
- **Cost-Effective**: Ek hi premium mein poore parivar ka coverage milta hai.
- **Flexibility**: Sum insured ko apni needs ke hisaab se use kar sakte hain.
- **Tax Benefits**: Section 80D ke under premium par tax deduction claim kar sakte hain.
- **Comprehensive Coverage**: Hospital bills, diagnostics, aur emergency treatments cover hote hain.
- **Hassle-Free**: Ek policy manage karna multiple individual policies se zyada easy hai.
---
## FAQs About Family Floater Health Insurance
### 1. Family Floater Health Insurance aur Individual Health Insurance mein kya fark hai?
Family floater mein ek policy poore parivar ko cover karti hai aur sum insured shared hota hai. Individual plan mein har person ke liye alag policy aur sum insured hota hai.
### 2. Kya senior citizens ko family floater plan mein add kar sakte hain?
Haan, kai plans mein parents ya senior citizens ko add kiya ja sakta hai, lekin premium thoda zyada ho sakta hai aur medical check-up zaroori ho sakta hai.
### 3. Agar sum insured khatam ho jaye, toh kya karein?
Kai policies mein “restore benefit” hota hai, jisme sum insured ek saal mein dobara replenish ho sakta hai. Warna, aap next policy year tak wait kar sakte hain ya top-up plan le sakte hain.
### 4. Kya family floater plan mein maternity benefits milte hain?
Haan, kuch plans maternity aur newborn coverage dete hain, lekin iske liye waiting period (9 months se 2 saal) ho sakta hai.
### 5. Claim process kitna time leta hai?
Cashless claims usually 24-48 hours mein process ho jate hain, jabki reimbursement claims mein 7-15 din lag sakte hain.
---
## Conversational Keywords
- Family floater health insurance kya hai
- Family floater plan kaise kaam karta hai
- Best family health insurance in India
- Family floater vs individual health insurance
- Family floater insurance benefits
- How to buy family floater health insurance
- Family floater policy documents
- Eligibility for family floater insurance
- Family floater insurance claim process
- Affordable family health insurance plans
---
## Conclusion
**Family Floater Health Insurance** ek smart aur budget-friendly option hai jo apke parivar ki health ko secure karta hai. Ek hi policy ke under aap apne spouse, bacchon, aur parents ko cover kar sakte hain, jo medical emergencies ke time financial stress ko kam karta hai. Is article mein humne dekha ki yeh kya hai, kaise kaam karta hai, aur isko lene ke liye kya zaroori hai. Agar aap apne parivar ke liye ek reliable health insurance plan dhundh rahe hain, toh family floater plan ek must-consider option hai.
Ab aapke paas saari information hai! Toh deri kis baat ki? Aaj hi apne parivar ke liye ek family floater health insurance plan chuniye aur apne loved ones ki health ko secure kariye!
0 Comments