What is the best Mediclaim policy to start with from 2020? I'm looking for a family policy for me and my wife.

When it comes to choosing a mediclaim policy, the requirements of individuals vary from one another. So, what works the best for others may not be the same for your wife and you. You need to figure out the benefits for both to pick up the best mediclaim policy .

You can begin your search by comparing the features of the mediclaim policies of multiple providers. This way, you will gain an insight into what you are likely to get if you go with the mediclaim policy from a specific provider. It will also help you set up the right expectations.

While you compare the policies of providers, do not forget to consider features like maternity cover, no-claim bonus, cover for an organ donor, treatment in any other country, consumable expenses, and sum insured. These are some of the important aspects you need to look for.

Do not forget to study the policy document carefully. It is only after going through the policy document that you will find out the details of a mediclaim policy from a provider.

One of the important features that separate one provider from the other is the unique selling point (USP). Different providers have distinct USPs. You need to find out which one suits you in the best possible manner.

Some providers will offer you a competitive premium, particularly others will offer extensive coverage in the form of both pre- and post-hospitalisation. It is specific to a provider.

Also, it is important to know about the claim settlement procedure of a provider before finalising its selection.

Future Generali's Health Total plan meets all the given criteria and comes with three different options: Vital Plan, Superior Plan, and Premiere Plan. The sum insured for each of these plans are different from one another.

The Vital Plan comes with a sum insured value of Rs. 3 Lakhs, Rs. 5 Lakhs, and Rs. 10 Lakhs. Also, the Superior Plan comes with three distinct sum insured values. These include Rs. 15 Lakhs, Rs. 20 Lakhs , and Rs. 25 Lakhs. As regards the Premier Plan, it comes with the sum insured values ​​of Rs. 50 Lakhs, and 1 Crore from the provider.

From hospitalization to maternity expenses and mental illness cover, these mediclaim policy options from Future Generali ticks all the right boxes of needs for policyholders.