by Family comes first. So, when their health is at stake, having an appropriate insurance plan gives them a sense of assurance. But many individuals hesitate or procrastinate buying family health insurance plans, thinking that some common myths are true. These myths may keep families from receiving the assistance they truly require in a situation of a medical crisis.
Let’s set the record straight and shatter the top family health insurance myths—finally.
Myth 1: “I’m Young and Healthy. I Don’t Need It Yet.”
Fact: Accidents and illnesses do not come with a warning. Young, healthy people can also have emergencies, like dengue, a sudden accident, or food poisoning. Having a family health plan in advance not only keeps you insured but is also cheaper in the long term. Waiting until something occurs is never the intelligent choice.
Myth 2: “It’s Too Expensive.”
Fact: Most folks believe health insurance will drain their pocket. However, family health insurance is usually cheaper than taking each individual separately. Furthermore, a yearly premium is very little compared to the cost of hospitalisation, tests, and medication. And on top of that, you also get tax relief!
Myth 3: “Only the Earning Member Needs Health Insurance.”
Fact: Anyone can get sick—children, parents, even a stay-at-home partner. If one member of the family gets ill, and you don’t have cover, the costs can drain your savings. That’s why family plans are necessary. They cover everyone in one go.
Myth 4: “All My Medical Needs Are Covered by My Employer’s Insurance.”
Myth: Group insurance is available in many jobs, wonderful. But then you change jobs, lose your job, or retire. Employer policies do not last. Plus, they often pay low coverage or insufficient benefits. Having your own family health plan provides full-time, all-around coverage, no matter which job you have.
Myth 5: “Pre-Existing Diseases Are Never Covered.”
Truth: Pre-existing diseases are covered by most family health plans, but after a waiting period (2–4 years typically). So, it’s advisable to initiate the policy early. Then, when you require treatment, the waiting period would have elapsed, and you can avail of the complete benefits.
Myth 6: “Claim Process Is Too Hard.”
Truth: Not any more. Now, most insurers provide hassle-free, paperless claims with 24×7 customer support. You can even track and submit claims through mobile apps. If you opt for the right insurer, the process is seamless and quick, particularly for cashless treatment at network hospitals.
Myth 7: “It Covers Only Big Hospital Bills.”
Fact: Good health insurance plans for family can cover much more. Certain plans also cover doctor visits (OPD), annual check-ups, maternity benefits, ambulance fees, and even mental health care. You simply need to opt for the appropriate policy and go through the benefits well.
Myth 8: “One Plan Fits All.”
Fact: Each family is unique. Some have young children, some have elderly members. Some call for maternity care, while others call for wellness care. That is the reason you must compare plans and find one that suits your family’s needs and future goals.
Last Thoughts
Don’t be deterred by these myths from insuring the people you care about. A family health plan is not simply a money affair—it’s a matter of peace of mind, better care, and more sensible planning.
The time to purchase a health insurance policy for your family is when you believe you don’t need one. Because then it’s cheapest and most beneficial in the future.
