Family Health Insurance
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About FFHI – Family Floater Health Insurance
- What is FFHI? (Click on Every points should be get breif explanation as below mentioned Contents)
- Basic Coverages.
- Add On Coverages.
- Claim Process Support.
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What is FFHI?
Family floater health insurance is a type of health insurance plan that provides coverage for an entire family under a single policy. Instead of individual policies for each family member, a family floater plan consolidates coverage into one policy, often with a shared sum insured amount
Basic Coverages.
Family floater health insurance typically includes the following basic coverages:
- Hospitalization Expenses: Coverage for inpatient services, including room charges, surgery, and other hospital services.
- Doctor Visits: Costs for consultations with primary care physicians and specialists.
- Emergency Care: Coverage for medical treatment during emergencies, including emergency room visits and ambulance services.
- Preventive Services: Routine check-ups, vaccinations, and screenings to help prevent illnesses.
- Prescription Medications: Coverage for prescription drugs, including both generic and brand-name medications.
- Lab Tests and Imaging: Costs for diagnostic tests such as blood tests, X-rays, MRIs, and other imaging procedures.
- Maternity and Newborn Care: Coverage for expenses related to pregnancy, childbirth, and care for newborns.
- Mental Health Services: Includes treatment for mental health conditions, such as counseling and therapy.
- Rehabilitation Services: Coverage for physical therapy, occupational therapy, and other rehabilitative services.
The specific details of coverage can vary by policy and insurer, so it’s important to review the terms and conditions of the plan to understand all included benefits and any limitations
Add on coverages
Add-on coverages for family floater health insurance, also known as riders, can enhance the policy with additional benefits. Common add-ons include:
- Dental Coverage: Provides benefits for routine dental care and procedures, including cleanings, fillings, and orthodontics.
- Vision Coverage: Covers eye exams, glasses, contact lenses, and sometimes surgeries like LASIK.
- Critical Illness Insurance: Offers a lump-sum payout for serious illnesses such as cancer, heart attack, or stroke, providing financial support beyond regular health expenses.
- Accident Insurance: Covers medical expenses and provides compensation for injuries resulting from accidents.
- Short-Term Disability Insurance: Offers income replacement if a family member is temporarily unable to work due to illness or injury.
- Long-Term Disability Insurance: Provides ongoing income support if a family member cannot work for an extended period due to disability.
- Wellness Programs: Includes access to fitness programs, health coaching, and other wellness-related services to promote overall health.
- Travel Health Insurance: Covers medical expenses incurred while traveling abroad, including emergency treatment and evacuation.
- Alternative Medicine Coverage: Includes treatments such as acupuncture, chiropractic care, and homeopathy.
These add-ons can be tailored to the family’s specific needs and can provide comprehensive coverage beyond standard health insurance benefits.