Author: SSrajdeep

Which Are The Top 5 Health Insurance Plans For Families In India?

Health insurance has become an essential aspect of every family’s financial planning in this day and age. Rising healthcare costs, along with enlarging family units, make it essential for every individual to secure a comprehensive health insurance plan. India has witnessed a surge in the number of health insurance providers, offering a wide range of family health insurance plans, each boasting of exclusive features and benefits.

This article introduces the top five health insurance for family plans available in India today. Whether you’re a young couple planning for your first child, or a family of five, these premium plans ensure your family’s health is well protected.

1. HDFC ERGO Health Optima Restore Family Plan:

HDFC ERGO’s Optima Restore is a comprehensive plan uniquely designed for families. The plan comes with an Automatic Restoration feature wherein, at no extra cost, the Basic Sum Insured is automatically restored if it gets exhausted during the policy year. The plan also offers ‘Multiplier Benefit,’ doubling your sum insured in 2 claim-free years, in addition to free health check-ups for adults, boosting its position as one of the best health insurance for family.

2. Max Bupa Health Companion:

Straightforward and affordable, Max Bupa’s Health Companion Plan is well-loved for its flexibility. It offers numerous levels of indemnity coverage and boasts of a direct claim settlement process instead of the TPA route. Its extended coverage for newborns and first-year vaccinations and maternity expenses after a waiting period of two years differentiate it amongst most other family health insurance plans.

3. Star Family Health Optima:

Star health insurance has always been one of the top providers in India with high customer satisfaction. The ‘Family Health Optima’ is an attractive package covering the entire family under a single sum insured. This plan offers coverage for new-born babies and non-allopathic treatments, with automatic restoration of the sum insured up to three times in a year. The distinguishing ‘Health Check-up Benefit’ provides for health check-ups for every claim-free year.

4. Apollo Munich Easy Health Family Floater Policy:

A top-of-the-line product, Apollo Munich’s Easy Health Policy, sets itself apart with its extensive coverage. It includes options for critical illness coverage, maternity, and newborn expenses. Outpatient dental treatment, spectacles, lenses, and contact lenses, are also included – which is an unusual and attractive feature in the realm of family health insurance plans.

5. Religare Health Insurance – Care:

The Care plan by Religare aims to take meticulous care of all your healthcare needs. Especially suitable for large families, this policy can cover up to 6 members with a single premium. With no upper age limit for enrollment and 100% increase in sum insured upon no claims, it’s an excellent package for those looking at comprehensive coverage.

Each of these health insurance for family plans offers different benefits, and choosing the right one depends on understanding the specific needs of your family. Factors such as the family size, the family members’ ages, and existing illnesses, if any, are crucial while making a decision.

Conclusion

The choice between health insurance plans should not only base on the cost but should also account for factors like coverage, claim process, network hospitals, exclusions, etc. Always make sure you read and comprehend the policy document before signing it. Having the right health insurance plan in place can put your mind at ease and allow you to enjoy cherishing moments with your family without worrying about unexpected medical emergencies.

Remember, the cost of not having health insurance coverage for your family may be much higher than the cost of having a plan. After all, when it comes to the health and wellbeing of your loved ones, it’s always better to be safe than sorry. So, ensure a secure future for your family by investing in one of the best health insurance for family today.

What are some popular places to travel in India during June?

June marks the onset of monsoon in India, transforming the landscape into a vibrant tableau of lush greenery and offering a respite from the scorching summer heat. This period unveils a different facet of the country, making it an ideal time to explore its diverse attractions. From the misty hills in the North to the pristine beaches in the South, India in June is a traveller’s delight. Here’s a guide to some of the best places to visit in June in India, promising an unforgettable journey through its scenic beauty and cultural vibrancy.

1. Ladakh – the moonland of India

Ladakh, often called ‘Moonland’ for its surreal landscapes, is a top contender for places to travel in June in India. With the snow melted and roads cleared, June is the perfect time to traverse its high mountain passes and explore its Buddhist monasteries. The Pangong Tso Lake, with its changing hues, and the Nubra Valley, known as the Orchard of Ladakh, are must-visits. The Hemis Festival, which usually falls in June, offers a peek into the rich culture of the region, with its colourful mask dances and traditional music.

2. Manali – A haven for adventure seekers

Manali in Himachal Pradesh is a paradise for adventure enthusiasts. The Beas River, roaring through the town, is perfect for white-water rafting, while the Solang Valley offers paragliding, zorbing, and cable car rides. The lush landscapes and cool climate make it one of the best places to visit in June in India. Hiking to the Jogini Waterfalls or exploring the Hadimba Temple are other popular activities.

3. Munnar – The emerald of Kerala

Munnar, with its sprawling tea plantations and mist-covered hills, is a jewel in Kerala’s crown. June sees this hill station covered in a fresh coat of green, with occasional showers adding to its charm. The Eravikulam National Park, home to the endangered Nilgiri Tahr, and the Anamudi Peak, the highest in South India, are not to be missed. The tea museum offers insights into the region’s colonial past and its tea industry.

4. Coorg – The scotland of India

Coorg, or Kodagu, nestled in the Western Ghats, is renowned for its verdant coffee plantations and diverse flora and fauna. The Raja’s Seat offers panoramic views of the surrounding hills and valleys, while the Abbey and Iruppu Falls are in full spate in June, making it a great time to visit. Trekking to Tadiandamol, the highest peak in Coorg, is a popular activity for adventure seekers.

5. Goa – A monsoon getaway

While Goa is typically known for its sunny beaches, monsoon transforms it into a lush paradise, making it one of the unique places to travel in June in India. The Dudhsagar Falls, one of the tallest waterfalls in India, is a majestic sight during the monsoon. The beaches are less crowded, offering a serene experience, and the Sao Joao Festival in June is a cultural spectacle celebrating the onset of the monsoon.

6. Rishikesh – The yoga capital

Rishikesh, on the banks of the Ganges, offers a spiritual retreat with its numerous yoga centres and ashrams. June is a great time to indulge in outdoor activities like white-water rafting and camping along the river. The evening Ganga Aarti at Triveni Ghat is a spiritual experience not to be missed. The Neelkanth Mahadev Temple, situated atop a hill, offers a panoramic view of the city.

7. Shillong – The abode of clouds

Shillong, the capital of Meghalaya, is aptly named the ‘Abode of Clouds’. Surrounded by rolling hills and waterfalls, it’s a perfect monsoon destination. The Elephant Falls and Shillong Peak offer stunning views, while the Umiam Lake is ideal for kayaking and boating. The city’s cafes and markets offer a glimpse into its vibrant culture.

8. Udaipur – The city of lakes

Udaipur in Rajasthan, with its majestic palaces and serene lakes, offers a romantic getaway in June. The monsoon adds a magical charm to the city, making it one of the best places to visit in June in India. The City Palace, overlooking Lake Pichola, and the Monsoon Palace, offering views of the surrounding countryside, are must-visits. The Jagdish Temple and Saheliyon-ki-Bari are other attractions.

9. Valley of flowers – a floral paradise

The Valley of Flowers National Park in Uttarakhand opens its gates to visitors in June, showcasing a vibrant carpet of alpine flowers. A UNESCO World Heritage Site, it’s a haven for botanists and nature lovers. The trek to the valley, starting from Govindghat, is as mesmerising as the destination itself.

10. Darjeeling – the queen of hills

Darjeeling, with its colonial charm and panoramic views of the Himalayas, is a delight in June. The cool climate is perfect for exploring the tea gardens and enjoying the famous Darjeeling Himalayan Railway. The Tiger Hill offers breathtaking views of the sunrise over Kanchenjunga, the world’s third-highest mountain.

Conclusion

India, with its diverse landscapes and cultures, offers myriad experiences for travellers in June. Whether it’s the high-altitude deserts of Ladakh, the lush hills of Munnar and Coorg, the cultural festivity of Goa, or the spiritual retreat of Rishikesh, each destination offers something unique. So pack your bags, choose your retreat, and set off to explore the best places to visit in June in India, each promising memories that will last a lifetime.