Family Health Insurance & Viral
  • Who all can be part of family floater plan?
  • Coverage for OPD services
  • Which all vector borne diseases are included?
family health insurance benefit during viral infection
Buy Policy in just 2 mins

Buy Policy in just 2 mins

Happy Customers

2 lakh + Happy Customers

Free Comparison

Free Comparison

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

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 best 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.

Make Health Your Top Priority Banner

Complete Health Suraksha Banner

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.

Health Insurance Companies


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.

Health Insurance Articles

What is OPD Cover?

What is OPD Cover?March, 2022

What Our Customers Have to Say

Customer Review Image

Richa Agrrawal


May 1, 2023

my experience with PolicyX has been overwhelmingly positive. Their excellent service, a wide range of insurance options, user-friendly website, competitive pricing, and trustworthiness make the...

Customer Review Image

Bhaskar Dubey


May 1, 2023

PolicyX consistently offers competitive pricing for insurance policies. I have found their premiums to be reasonable, often lower compared to other sources.

Customer Review Image

Piyush Kumar


May 1, 2023

PolicyX offers a wide range of insurance options from various insurance providers. Their website allowed me to compare different policies and choose the one that best suits my needs and budget.

Customer Review Image



May 1, 2023

PolicyX has consistently provided me with excellent service. Their team is knowledgeable, responsive, and always ready to assist.

Customer Review Image

Aniruddh Singh


May 1, 2023

I am satisfied with the customer service provided to me when I had a small query regarding my HDFC health insurance policy. Thank you to the customer support team of PolicyX

Customer Review Image

Smita Patil


May 1, 2023

I have availed health insurance services from PolicyX in the year 2021 and I must say that they are reliable and have supported me with claim settlement without any delay.

Customer Review Image

Durgesh Kumar


March 25, 2023

Best health insurance claim mere leg ka surgery hui h 22.03.2023 ko 2 hrs m claim approval aa gya tha mari policey ko 7 month hi hua h mera claima 44000 rupaye ka tha 100% company n pay kiya h ...

Customer Review Image

Ajay Kapoor


March 24, 2023

Bad experience operate 6th jan 2023 my claim no 31418820 Ajay Kapoor mob 7838722273 till date 24 mar 2023. No reimburse ment amount 67367 not recd . always demand new query. I send you after op...

Naval Goel

Reviewed By: Naval Goel

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.