A family health insurance is a kind of health insurance shielding the entire family in a specific insurance policy. You can customize it as per your family’s needs. Hence, your family obtains the much-required health insurance coverage against soaring health-related expenses.

The objective of health insurance is to support you cover the cost of your medical treatment. It secures you and your family financially in case of an unforeseen severe illness or injury that can be very expensive. Having health insurance coverage can save you funds on doctor’s appointments, prescription medications, preventive care, and many other healthcare services. A health insurance policy is a requirement for addressing those heavy medical expenses.

Family health insurance includes private healthcare costs for your family, from the initial diagnosis to medical treatment. Aside from that, you will pay a monthly subscription that covers all, or any other treatment expenses for severe conditions that unravel after your family health insurance policy has commenced.

Hospitals split up healthcare into inpatient / day-patient treatment and outpatient treatment. These are explained as:

• Inpatient / day-patient

Any healthcare calling for a hospital bed, either overnight (inpatient) or only for the day (day-patient). 

• Outpatient

All healthcare where you don’t need a hospital bed. This includes consults, diagnostic tests and scans, and treatment such as physiotherapy.

All private medical insurance, even the standard family health plans, include inpatient and day-patient care.

Outpatient procedures come as an extra premium that would be wise to include in your insurance package.