Family Health Insurance & Viral
  • Who all can be part of family floater plan?
  • Coverage for OPD services
  • Which all vector borne diseases are included?
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How does family health insurance benefit during viral infection?

In India, health insurance is mostly restricted for the people who are above the age of 40 years, carry the risk or ailing with some nature of serious diseases and have the family & financial responsibilities on them. Thus health insurance is often forced on them to live a long life. But unfortunately, these are some biggest myths that are leaving people in distress especially during emergencies because other family members such as kids, housewives, teenagers, etc are uninsured.

The ongoing scenario from the last 1.5 years has given enough reasons to opt for a comprehensive family health care insurance plan where entire families have been witnessed struggling with this highly contagious virus COVID19. While one person in the family who is insured under individual health insurance, was able to get proper treatment on time without breaking any savings. Whereas the other family members such as children, senior citizens or housewives who never bothered to get a health insurance plan for themselves seemed helpless because of expensive health care treatments.

Family Health Insurance & Viral Infection

And especially during the monsoon i.e. the season that gives birth to various vector-borne & highly contagious diseases, such as viral infections and typhoid. They start getting communicated to the entire family in a series.

Family health insurance plays a critical role when it comes to contagious diseases that have higher chances to circulate within the family. There are several advantages of family health insurance that a family can extract during seasonal infections.

Several family insurance plans cover vector-borne diseases such as viral infection, dengue, malaria, typhoid etc. An adequate financial cover is assigned to treat such seasonal diseases as per the sum insured and the number of family members. Insured family members can get their diagnostic tests, medical costs, and ambulance services, if required either cashless or reimbursement with the help of a family insurance plan. It helps in getting proper treatment for all infected members without any restriction or worry.

Another benefit offered by family health insurance is the OPD cover. In vector-borne diseases, it is not necessary to get hospitalized but requires regular doctor's consultation and regular follow-up as the vector-borne diseases may last longer than the usual duration. Thus Out Patient Department i.e. OPD cover keeps the entire treatment for different family members light on the pockets. The inclusion of OPD varies from plan to plan and company to company as in some OPD cover is a part of the main plan but in some, this comes as an optional cover.

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OPD department or doctor's clinic visits are a bit expensive and when more than one family member is sick, then it can be really difficult to manage funds for a long time without insurance.

Moreover, family health insurance plans shell out another biggest advantage for the family. These plans cover kids up to the age of 21 years-25 years that are generally not insured under any individual health insurance plans. And vector-borne and infection-led diseases are quite common amongst kids in a family, thus family health insurance is quite helpful for them as they are delicate and often found with low immunity to fight such infections.

Family health insurance plans reduce the hassle of keeping track of different individual policies especially when there is a huge tension because of multiple family members falling sick together along with a highly manageable premium for families in comparison with individual health insurance plans.


Therefore, having family health insurance payouts several benefits for the entire family during the peak seasons of infection in keeping the surety of health safety of the entire family.

Written By : Naval Goel

Last Updated : February, 2022

Naval Goel is the CEO & founder of Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of Insurance Web Aggregator.

Find Out What the Customers Are Saying

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- 4.5/5 (1214 Total Rating)

March 25, 2022

jasvinder singh


very nice service by and as well from manipal cigna during the claim period. easy claim settelment.

March 14, 2022

samarth wadhwa


Star is one of the topmost insurance companies and they prove it with their services and plans. They have plans for each family member of mine starting from my parents to my own family and even for my extended family.

March 14, 2022

nimrat sondhi


my father is a single parent. The way he has taken care of me during my childhood, I wanted to support him after my marriage so that he is never alone, especially during medical emergencies. I trust this company completely as they have taken care of my father s medical bills so i recommend them

March 14, 2022

kuljeet singh


very good company with good plans. They always reply to my and my wife queries related to our old diseases and new doctor consultations. they OPD plan is very helpful.

March 14, 2022

simaranjeet kaur


My father in law lives alone in jalandhar and we wanted an insurance company that take cares of him in our absence. They are very good with their commitment and service.

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