I am 34 year old and my wife is 30 year old. We are planning for a baby. I am looking for a health insurance plan that will cover all medical expenses for both of us and will include maternity benefits. Please suggest a good family health plan for me. Would it be better to take health insurance directly from company, online or from TPA like coverfox/policybazaar or from physical agents?
- Chetan Saxena
Many health insurance plans have family floater plans which cover maternity and newborn child care during pre and post natal period. However, such plans have a waiting period from two to four years which means the maternity coverage will start only after this waiting period is completed. Some of the family floater plans which cover maternity are as follows:
Max Bupa Heartbeat Plan
Apollo Munich Easy Health Floater Exclusive
Star Health Comprehensive /Star Wedding Gift
The premium would range from 10000 to 13000 for a sum assured of ₹5 Lakh.
Online health plans have a few advantages over the traditional offline plans. Online plans are cheaper as compared to buying it from an agent, mainly because they eliminate commission and save on administration cost. However, you should use online plans if you are able to compare the features of more than one plan and their premiums to make the right decision. You may compare a few policies using an online distributor and then contact the company directly to find out the details of the selected the plan. This will help you evaluate all the options and take an informed decision.
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