Get Your Health Insurance

Medical bills, hospital stays, ambulance charges and many more. Find the best health insurance in Bihar with Family Raksha and protect your family from financial clinch in medical emergencies. Family Raksha is a leading web aggregator offering various health insurance plans designed to meet your needs.

Health Insurance in Bihar with Family Raksha

Welcome to Family Raksha! We are a leading web aggregator offering a variety of health insurance plans designed to meet your needs. Health insurance is crucial for protecting you and your loved ones from unexpected medical expenses. Without health insurance, medical expenses can become a huge burden. Here are some key reasons why health insurance is essential:

• Financial Security: Medical treatments, especially for severe illnesses, can be very costly. Health insurance ensures that you don’t have to dip into your savings or take on debt to cover these expenses.
• Access to Quality Healthcare: With health insurance, you can access better medical facilities and treatments without worrying about the costs.
• Preventive Care: Many health insurance plans cover preventive services, such as vaccinations and regular check-ups, helping you maintain good health.
• Peace of Mind: Knowing that you are covered in case of a medical emergency provides peace of mind, allowing you to focus on your recovery rather than financial concerns.

Health Insurance Plans We Offer in Bihar

At Family Raksha, we offer several health insurance plans in Bihar that suit your different needs. It includes

Individual Health Insurance:

• Coverage: This plan covers a single person.
• Benefits: Ideal for individuals who want comprehensive coverage for themselves. It includes hospital bills, doctor’s fees, diagnostic tests, and post-hospitalization expenses.

Family Floater Plan:

• Coverage: Covers your entire family under one policy.
• Benefits: This plan is cost-effective and convenient. It covers medical expenses for all family members, including spouse, children, and sometimes even parents, under a single sum insured.

Senior Citizen Health Insurance:

• Coverage: Specially designed for elderly parents.
• Benefits: This plan caters to the health needs of senior citizens, covering illnesses and treatments common in old age. It often includes higher coverage for critical illnesses and regular health check-ups.

Critical Illness Plan:

• Coverage: Covers serious illnesses like cancer, heart diseases, and more.
• Benefits: This plan provides a lump sum amount upon diagnosis of a critical illness, which can be used for treatment, recovery, or even lifestyle adjustments.

Top-Up Plans:

• Coverage: Additional coverage over your existing health insurance.
• Benefits: Top-up plans are beneficial when your existing policy coverage is exhausted. They offer extra financial protection without having to buy a new policy.

Benefits of Choosing Family Raksha

Choosing Family Raksha for your health insurance needs comes with numerous advantages:

• Comprehensive Coverage: Our plans cover a wide range of medical expenses, from hospitalization to post-treatment care.
• Affordable Premiums: We offer plans at competitive rates, ensuring that you get the best value for your money.
• Easy Claims Process: Our claims process is hassle-free and quick, ensuring that you get your reimbursement without unnecessary delays.
• Wide Network of Hospitals: With access to top hospitals across Bihar, you can be assured of quality healthcare services.
• 24/7 Customer Support: Our customer support team is always here to help you with your queries and concerns, anytime you need.

How to Choose the Right Health Insurance Plan

Selecting the right health insurance plan can be overwhelming. Here are some tips to help you make an informed decision:

Assess Your Needs:

Consider your age, health condition, and family requirements. A young individual might need different coverage compared to a senior citizen or a family with children.

Compare Plans:

Look at the benefits, coverage options, and premiums of different plans. Use our comparison tool to evaluate various policies.

Check the Network Hospitals:

Ensure your preferred hospitals are covered under the plan’s network. This is crucial for availing cashless treatment.

Read the Fine Print:

Understand the terms and conditions of the policy, including exclusions, waiting periods, and sub-limits.

Seek Expert Advice:

Contact our experts for guidance. They can help you choose a plan that best suits your needs and budget.

Key Features of Our Health Insurance Plans

Our health insurance plans come with several features designed to provide maximum benefits:

• Cashless Hospitalization: No need to worry about paying hospital bills upfront. Our network hospitals offer cashless treatment facilities.
• Pre and Post Hospitalization Coverage: Covers expenses incurred before and after hospitalization, such as diagnostic tests and follow-up consultations.
• Daycare Procedures: Covers minor surgeries and treatments that don’t require an overnight hospital stay.
• No Claim Bonus: Get a bonus for every claim-free year, increasing your sum insured without additional premiums.
• Ambulance Cover: Coverage for ambulance charges during emergencies, ensuring you get timely medical assistance.

5 Steps to Buy Health Insurance with Family Raksha

Purchasing health insurance from Family Raksha is a simple and straightforward process:

• Visit Our Website: Browse our health insurance plans and use our comparison tools to find the best fit for your needs.
• Compare and Choose: Select the plan that offers the coverage you need at a premium you can afford.
• Fill in Details: Provide your personal and medical information accurately to ensure smooth policy issuance.
• Make Payment: Pay the premium online through our secure payment gateway.
• Receive Policy: Get your policy documents via email and start enjoying the benefits immediately.

Protect your health with Family Raksha

By choosing Family Raksha, you are not just buying a health insurance policy; you are investing in a worry-free future. Our dedicated team is here to guide you every step of the way, ensuring that you and your loved ones receive the best possible care. Don’t wait for a medical emergency to strike – get covered today and enjoy peace of mind tomorrow.

Frequently Asked Questions

What is the waiting period for pre-existing diseases?

The waiting period is usually 2-4 years, depending on the plan. It means that any pre-existing conditions declared at the time of policy purchase will be covered only after the waiting period.

Can I add my parents to my family floater plan?

Yes, you can include your parents in the family floater plan. However, it’s essential to check the age limits and specific terms related to senior citizens.<?

What is the maximum age for purchasing health insurance?

It varies by plan, but generally, it is up to 65 years. Some plans may offer coverage beyond this age, but with higher premiums.

How can I renew my health insurance policy?

You can easily renew your policy online through our website. We will also send reminders and renewal links to ensure you never miss your renewal date.

Is maternity cover included in health insurance plans?

Some plans include maternity cover; please check the plan details. Maternity benefits typically come with a waiting period and specific conditions.

Are daycare procedures covered?

Yes, most of our plans cover daycare procedures. These are treatments that require hospitalization for less than 24 hours, like minor surgeries and advanced diagnostic tests.

What is a no-claim bonus?

A no-claim bonus is a reward for not making any claims during a policy year. It usually comes in the form of an increased sum insured at no extra cost.