Family Health Insurance
Health Insurance Plans For Family
Rising healthcare costs have been a major pain for Indians. One does not need any grave health issues to feel a financial burden. Any sort of hospitalisation may cause a dent in your savings, and in serious cases, the hospital bill can be too much to bear. Therefore, having a health insurance plan for yourself and your family becomes absolutely crucial.
Family health insurance plans offer you and your family financial assistance during medical emergencies. They are a great way to ensure your family members have access to quality healthcare services without paying separate premiums for each insured member.
Some of the best family health insurance plans in India offer high sum insured amounts, wider coverage, and other benefits and features that can help you save money on medical expenses. Read on to learn the finer points of this health policy and how you can get one to insure your family against future perils.
We have also provided a comprehensive table at the end that provides an overview of our family health insurance plans for your convenience.
Family Health Insurance
Family health insurance is a type of health plan that covers the medical expenses of both you and your family members, who are insured under a single policy.
Health insurance plans for families function just like individual health policies, except in a family floater type of policy, the sum assured is shared among all the insured family members under one plan. This sum assured can be availed of as often as needed or until exhaustion.
At Tata AIG, our family health insurance plans offer benefits like pre and post-hospitalisation covers, cashless claim facilities, and several wellness services and programs.
Benefits of Buying Health Insurance Plans for Family
Comprehensive Coverage for All Family Members
Some of the best health insurance plans for families allow you to include your parents and parents-in-law under the policy for no additional premiums. Moreover, if you have just had a baby, you can add the newborn under your existing plan instead of purchasing a separate one.
This allows your family members to access high-quality healthcare services regardless of age under a single policy.
In addition to their base covers, family health insurance plans offer add-on riders and other benefits like wellness initiatives under their policies. These add-ons can be critical illness covers, accidental death covers, maternity covers, etc.
Wellness initiatives included under plans allow family members to collect wellness rewards or points, which can be used to pay for healthcare services like medication, OPD (Outpatient Department) consultations/treatments, health supplements, and health checkups.
Hospitalisations can be stressful enough without having to add in the paperwork and the tedious fee payment processes. Under a mediclaim policy for your family, you can easily avail cashless treatment at network hospitals.
Your insurance provider takes care of hospitalisation costs while you and your family enjoy stress-free treatment and recovery. Family medical insurance is an excellent way to ensure that all your family members are afforded the same quality of healthcare services during hospitalisation.
Since all your family members are insured under one policy, family health insurance plans often have cheaper premiums. Moreover, buying health insurance online allows you to access more discounts on your premium payments.
Expanding on the previous section, the premium payments on your family health insurance plan also make you eligible for health insurance tax benefits under Section 80D of the Income Tax Law. This makes family medical insurance an economic asset, and buying them a smart financial decision.
Under this section, you can claim deductions of up to ₹25,000, with additional deductions of ₹25,000 if you have included your parents (under 60 years) under the plan. For parents over the age of 60, the additional deduction is increased to ₹50,000.
Lastly, if both parents are over 60 years old, the maximum additional deductions available under this section is ₹1 lakh.
Best Mediclaim Policy For Families Offered By Tata AIG
At Tata AIG, we offer four types of MediCare policies that can be modified to be family floater plans. These plans can be purchased online through our website or in person. We recommend buying them online as they make you eligible for discounts and offers on our site.
Here is a brief description of each health insurance plan offered**
This standard health insurance for your family is a simplified plan with comprehensive coverage. It offers a sum insured of up to ₹20 lakhs so that you and your family members are covered for medical expenses and any medical emergencies.
Under the family floater option, you can get up to a 32% discount on premium payments and access to quality healthcare services. You can also opt for an optional accidental death rider under this plan.
This Medicare variant offers comprehensive health coverage for you and your family while maintaining an affordable premium rate. Under this policy, you get a sum insured of up to ₹5 Lakhs and an additional ₹5 lakhs as a death benefit if you have opted for an optional accidental death rider.
This is our best health insurance policy for your family, as it provides extensive coverage for you and your family. This MediCare variant offers you a sum insured that can be enhanced up to ₹3 Crores. This can be done on renewals and on new policy purchases before the commencement of the new policy term.
As a benefit of having an increased sum insured amount, you get access to several benefits like high-end diagnostics, death benefit cover (built-in), and emergency air ambulance, to name a few.
This is a plan specifically meant to cover critical illness. Under it, you can expect comprehensive coverage for up to 100 critical illnesses. You are paid a lump sum amount if you or any of your insured family members are diagnosed with a critical illness listed in this plan.
The Criti MediCare policy gives you critical illness coverage under three sections and an optional fourth section**
Section A Critical illness
You can opt for coverage under this section under either a** Smart Century Premier Plan (100 critical illnesses) or a Smart Half Century Plan (50 critical illnesses). Under both subsections, you can expect coverage for**
Critical Illnesses Treatment (for illnesses listed under the plan/subsection).
Smart Cancer Care.
Second Medical Opinion.
Section B Cancer 360 Degree Indemnity Cover
This section specifically covers medical expenses relating to cancer treatments. So if you or your family member has recently been diagnosed with cancer, opting for coverage under this specific section would be beneficial.
Section C Hospital Cash
As the name suggests, this covers hospitalisation expenses for treatments and emergency medical care for consecutive and completed (24-hour) hospitalisations with varying degrees of coverage.
Section D** Wellsurance Benefit (Optional)
This is an additional cover you can opt for to undergo medically necessary minor and major surgeries. Moreover, it also covers post-operative expenses like physiotherapy and ambulance expenses.
Section E Personal Accident (Only applicable for Section A** Critical Illness)
The benefit under this section is applicable if no claims are reported in the expiring policy year under Section A. It provides a sum insured of ₹3 lakhs if the insured individual suffers an injury due to an accident during the policy year, which is the sole cause of death within 12 months from the date of the accident.
A minimum of one section from the provided base benefit sections has to be opted for, and all family members will share the same plan coverage. You get ₹5 lakhs — ₹2 Crore sum insured (in multiples of ₹5 lakhs) in each category (sections A/B/C), which is given on an individual basis.
Why Should You Buy A Family Medical Insurance Plan?
Covers Hospitalisation Expenses Hopsitlisations are never cheap and can lead to financial burdens that can be hard on your savings. A family health insurance policy covers these expenses. This extends to ICU charges as well.
Most family health plans also offer cashless facilities at network hospitals, which allow for stress-free hospitalisations during emergencies.
Quality Medical Care for All Family Members Family health insurance plans allow insured family members under a plan to share the sum insured. This means that all family members get access to quality medical care without compromising their savings.
In short, family medical insurance ensures that money is no longer an issue when it comes to getting the best medical care for you and your family.
Preventative Health Checkups These plans also offer coverage for preventive health checkups, which can improve your family’s overall health by ensuring that any underlying conditions are treated and diseases are caught in their early stages, making them easier and less expensive to treat.
These health checkups are eligible for a tax deduction under Section 80D for a maximum limit of ₹5,000, which is included in the overall tax deduction limit (₹25,000/₹50,000) under your medical insurance.
Helps You Beat Inflation The best health insurance policy for your family offers high sum insured amounts to counter rising medical costs, making it easier to plan and save for future medical expenses, shoutout stressing your savings.
Peace Of Mind With family medical insurance, you no longer have to worry about individual premium payments as all family members are covered under one plan, giving you peace of mind and allowing for a stress-free policy tenure.
Moreover, this type of payment setup makes them not only convenient but also affordable.
Things to Consider Before Buying the Best Family Health Insurance Plans in India
Coverage When buying family medical insurance, you must check the coverage benefits. Some of the best family health insurance plans in India offer coverage for**
Pre and post-hospitalisation expenses.
Day care expenses.
Organ donor expenses.
Other benefits can include tax benefits, lifetime renewability, no-claim bonuses and restoration benefits.
Sum Insured Enhancement The cost of healthcare is always rising. Hence it is important to buy family health insurance plans with flexible sum insured coverage so that you may opt for increased coverage on renewals.
At Tata AIG, we offer a cumulative bonus that can be applied to your sum insured to increase its coverage on policy renewals if you have not applied for claims during the previous policy year.
Renewability This is an important factor to consider, as policies that offer lifetime renewability are cheaper than policies that do not. This is because policy renewals offer more affordable premiums than new policy purchases.
Moreover, you must also check the renewability age, as some policies have a maximum renewability age of 60 - 65 years. Considering these factors can help save you a lot of money in the long run.
Cashless Facilities Cashless benefits keep you stress-free during hospitalisation as you do not need to manage any last-minute funds to get necessary treatments for you or your family members.
So when choosing your family medical insurance plan, ensure that your insurance provider has an extensive list of network hospitals or if they have tie-ups with hospitals close to your residence.
Easy Claims Process Convenience and accessibility are major factors when buying health insurance plans. Your plan may offer great coverage, but if the claims process is tedious or hard to navigate, it may discourage you from filing for reimbursement claims or renewal upon policy expiration.
Always check if the insurance company you are buying from offers online facilities or an easy claim process before buying your family health insurance plan.
Policy Inclusions and Exclusions While you may always think to check for policy inclusions when comparing health insurance policies, it is equally important to check the policy’s exclusions.
This allows for a better understanding of the policy’s terms and allows you to choose the best mediclaim policy for your family.
Individual Vs Family Health Insurance Comparison
|Parameters||Individual Health Insurance||Family Health Insurance|
|Definition||A health insurance plan where only one person is insured under the policy.||A health insurance plan that offers coverage for all your family members that are insured under the plan.|
|Coverage/Sum Insured||The sum insured covers only the individual covered under the plan.||The sum insured is shared among all the family members.|
|Benefits||More extensive coverage and the sum insured is offered fully to the insured individual.||More affordable as the premium payment for all family members is done through a single payment rather than individual payments for each family member.|
|Drawbacks||These plans can sometimes be more expensive.||The sum insured may not be enough to cover all family members.|
|Ideal For||Recommended for bigger families with senior citizen parents (over 60 years) as a family floater plan may not be able to cover all medical costs.||Recommended for smaller/nuclear families or a young couple.|
Top Reasons Why You Should Get Your Family Health Insurance From Tata AIG
Cashless Services at Network Hospitals
At Tata AIG, we have 8000+ network hospitals pan-India that offer cashless facilities to our policyholders. We settle claims directly with the network hospital in your stead up to the extent of the liability so that you and your family can focus on treatment and recovery while we handle the rest.
To avail this benefit under your family medical insurance plan, you must notify us or our TPA (Third Party Administrator) 48 hours before planned hospitalisation or treatments. For emergency hospitalisations at network hospitals, we must be notified within 24 hours after the treatment or hospitalisation.
To check for network hospitals in your city or region, you can use our Network Hospital Locator to know their addresses.
Medical emergencies and the hospitalisation costs that come with them can be expensive. This is why our MediCare plans come with an automatic restoration benefit.
It enables the automatic refilling of your sum insured amount if you have exhausted your sum insured during a single policy year.
Wellness Programs and Services
At Tata AIG, we understand that nothing is more important than your health. Our wellness programs under our health insurance plans exemplify this and encourage you and your family to improve your health and fitness.
We do this by offering redeemable vouchers for fitness services and discounts on pharmacy and diagnostics.
You can also collect wellness rewards that can be accumulated through fitness activities and used as payment towards health checkups/diagnostics, medication/supplements, and OPD consultations/treatments.
Guaranteed Cumulative Bonus
Under our MediCare plans, you can get a maximum cumulative bonus of up to 100% of your sum insured. This bonus is available on consecutive renewals with Tata AIG without a break.
A 10% - 50% (depending on the policy) cumulative bonus will be applied to your sum insured for the next policy year after every claim-free policy year.
If you find these features to be helpful, it is time you browse our plans and purchase a health insurance plan for your family from Tata AIG.
Common Exclusions of a Family Health Insurance Plan
Breaches of Law If you sustain an injury while committing a crime, your health insurance plan will not cover it. Any criminal activity or breaches of law requires an investigation and is out of the scope of your insurance coverage.
Rehabilitation Treatments for Alcoholism or Drug Abuse Rehab costs and other kinds of treatment for alcoholism and drug abuse are not included in a family health insurance plan and hence not covered.
Cosmetic or Plastic Surgery Cosmetic or plastic surgery expenses purely for aesthetic reasons and not medically necessary reconstructive surgery after an accident, for burns, or for cancer are not covered.
Unproven Medical Treatments Treatment, services, and supplies that lack significant medical documentation to support their effectiveness are not covered.
Sterility And Infertility Medication or treatments for sterility or infertility, like contraceptives, assisted reproduction services (IVF, ZIFT, GIFT, ICSI), surrogacy, and sterilisation reversal are not covered under a family health insurance plan.
Eligibility Criteria for Buying Family Health Insurance
Age The minimum and maximum age are primary factors that insurance providers consider before selling health insurance. This is because your family health insurance premiums are based on the age of the eldest family member insured under the plan.
Most plans also have a maximum entry age of 60 - 65 years, so when a family member crosses 60, the policy coverage will lapse, requiring you to buy a new family health insurance plan.
Pre-Existing Illnesses Some plans do not provide coverage for pre-existing illnesses during policy waiting periods and may require you to undergo pre-screening medical tests before policy purchase.
If you or your family member does have a chronic condition or a pre-existing illness it is best to opt for critical illness insurance instead as it provides more extensive coverage for pre-existing conditions.
How to Buy Tata AIG's Health Insurance Policy for Families Online?
Visit the Tata AIG official website.
Click on 'All Products' and click on 'Tata AIG MediCare'.
Choose the family members you want to add to your plan and click on 'Get Plan'.
Enter the required details and click 'See Plan.'
Fill out the application form and upload any required documents.
After submitting your application, an insurance agent will contact you to guide you through the process.
Tata AIG Family Health Insurance Claim Process
Reimbursement Claims Process
Visit the Tata AIG official website.
Click on 'Claims' on the top tab.
Click 'Initiate Claim' and choose your product; in this case, it will be 'Health.'
Log in to the site using your registered details if you have not already done so.
Fill out the claims form and upload the required documents.
After submitting your claim, an insurance agent will contact you to guide you through the process.
Cashless Claims Process
This facility can be claimed only in cases of treatment and hospitalisation at network hospitals and applies to planned and emergency hospitalisations.
To initiate a cashless claim, you must:
Notify the TPA/us through email or letter 48 hours before any planned hospitalisations/treatments. For unplanned or emergency hospitalisations, we must be notified 24 hours after the treatment/hospitalisation.
Upon notification, we will check your coverage and eligibility and send an authorisation letter to the provider.
You have to provide the ID card issued to you along with any other information or documentation that is requested by the TPA/us to the network hospital.
If approved, we will directly settle the bill with the network hospital.
In case of a rejection of the cashless claim, you can still apply for a reimbursement claim, as a rejection of cashless claims in no way indicates rejection of the claim itself.
How Many Members Can Be Covered Under Family Medical Insurance Plans?
Family members that can be included under a family floater policy include you, your spouse, dependant children, parents, and parents-in-law. The number of people permitted to be included under a policy will differ across insurance providers and plans.
Lastly, new family members can be included for an additional premium on purchasing a new plan or policy renewal. MId-term policy additions only allow newborns and a legal spouse upon marriage.
Documents Required For Family Health Insurance Claims
The Tata AIG Claim Form Can be downloaded from our website. It must be filled and signed on behalf of the insured person.
Original bills, receipts (pharmacy purchase bill, consultation bill, diagnostic bill), and any attachments like receipts or prescriptions supporting any amount claimed.
Regulatory Requirements KYC documents (recent ID/Address proof and photograph) and NEFT (to enable direct credit of claim amount in your bank account for cashless claims).
All medical reports, case histories, investigation reports, indoor case papers/ treatment papers (in reimbursement cases, if available), and discharge summaries. These include**
Medication prescriptions that name the insured person, their price, and a payment receipt. For pre/post-hospitalisation claims, the prescription must be submitted with the corresponding doctor/hospital invoice.
All pre and post-investigation, treatment, and follow-up/consultation records about the patient's present ailment.
Treating doctor's certificate regarding any missing information in case histories. For example, the circumstance of injury and alcohol or drug influence at the time of the accident, if available.
Copy of settlement letter from the other insurance company or TPA.
Stickers and the invoices of implants used during surgery.
In Case the Hospital Bill is not Available** A detailed list of the individual medical services and treatments provided with all of their individual prices.
For Claim Arising Out of Accidents** Copy of MLC (Medico legal case) records, if carried out, and FIR (First information report) if registered.
For Claims of the Same Event Covered by Another Insurer** Attested copies of the above-mentioned documents and a declaration from the other insurer detailing the availability of the original copies of the treatment documents.
Legal heir/succession certificate, if required.
PM report (wherever applicable and conducted).
For Compassionate Travel Boarding Pass, railway ticket, or any other document to show proof of travel.
For Global Cover Proof of diagnosis in India and the insured's passport and visa.
All documents or medical or otherwise requested by us or the TPA must be submitted within 15 days or earlier from the date of treatment or discharge.
Failing to provide these documents within the given time frame is admissible if you can provide proof that it was not reasonably possible to provide them within this time. Moreover, claims where documents have only been provided after a delayed interval are only permissible in special cases.
Key Features of Tata AIG Family Health Insurance Plans
|Key Features Of Family Health Insurance||Details|
|Plans Available at Tata AIG||
Base Covers: 30 days from policy inception
Accidents/Emergencies: Day 1 coverage
Critical Illness: 90 days for Criti MediCare
Pre-Existing Illness: Covered after 36 months
|Insured Members||Self, Spouse, upto 3 dependant children and up to 2 parents/parents-in-law|
|Age Limits||91 days to 65 years|
|Pre and Post-Hospitalisation Cover||Available up to the sum insured|
|Ambulance Cover||Available for registered ambulances of network hospitals|
|Hearing Aid||50% of actual cost or ₹10,000 per policy (covered every third year)|
|Health Checkup||1% of the previous sum insured or a maximum of ₹10,000 per policy|
|Ayush Benefits||Available at AYUSH hospitals|
|Global Cover||Available for planned hospitalisations|
|Accidental Death Benefit||Available as an add-on|
|Cashless Facilities||Available at network hospitals|
MediCare: Up to ₹20 lakhs
MediCare Premier: Up to ₹3 Crores
MediCare Protect: Up to ₹5 lakhs
Criti MediCare: ₹5 lakhs - ₹2 Crores
|Cumulative Bonus||Starting at 10% - 50% for every claim-free year up to a maximum of 100% of the sum insured.|
|Wellness Programs/Services||Available as built-in or add-on covers depending on the chosen policy|
Up to 45 Years: No medicals/No Tele- Medical Examination Report
45 - 65 years: Tele- Medical Examination Report (TeleMER)
|Premium Calculation||Calculated by adding the premium of respective individual members and applying a family floater discount|
|Renewability||Lifelong on timely premium payments (Renewal premiums are only charged when you move into a higher age group or change your plan/coverage)|
|Tax Benefit||Maximum deduction of ₹1.5 lakhs available under Section 80D|
Health Insurance Terminologies
Sum Insured This is the amount of money you are provided access to by your insurer on policy purchase which is used to cover your medical expenses.
Health Insurance Premium** A premium is a regular payment made to your insurer in exchange for the health insurance coverage they provide. This amount can vary depending on your policy type, your age and the sum insured amount.
Restoration Benefit This is a feature included in our health insurance plan that recovers your full sum insured upon exhaustion during the policy term.
For example, if you have a sum insured amount of ₹10 lakhs and it has been exhausted due to a medical emergency then, we will restore the amount up to the base sum insured (₹10 lakhs) upon exhaustion.
Cumulative Bonus This is a benefit offered to policyholders on renewal if they have not filed any claims in the previous policy year. It increases your sum insured amount by a certain percentage without the need for an extra premium.
Critical Illness Insurance This is a separate health insurance plan or add-on cover that provides coverage for critical illnesses like cancer. These plans have higher sum insured amounts and higher premiums as well.
Waiting Period This is a time frame within which you can not claim coverage under your health insurance plan. The waiting period is only waived in case of accidents or emergencies.
Most health insurance plans have a waiting period of 30 days from policy inception after which you can claim medical coverage.
Network Hospital This is a hospital that has a tie-up with the insurance provider to provide cashless claim facilities and lower fee rates to policyholders. Every health insurance provider has their own list of network hospitals.
Disclaimer / TnC
Your policy is subjected to terms and conditions & inclusions and exclusions mentioned in your policy wording. Please go through the documents carefully.
Which health insurance is best for a family?
Which health insurance is best for a family?
There is no single health insurance plan for a family that can be termed “the best.” You need to assess your specific insurance needs, health history and budget and then find a plan that suits all these requirements.
You can check out the Tata AIG family insurance plans - the Tata AIG Medicare, Tata AIG MediCare Protect, and Tata AIG MediCare Premier, which can be ideal for a family. These plans offer wide coverage that is suitable for all ages.
How much does family health insurance cost per month?
The average premium can depend on a number of factors like the age of all insured persons, the lifestyle and health history of all members, the chosen sum insured etc. You can use the health insurance calculator available on our health insurance page to determine the exact cost of your coverage.
How do I choose a family health insurance plan?
Start by analysing the needs of your family members. Pay attention to every member’s age and health. For instance, your aging parents may require regular medical attention and hence a higher cover. Other aspects that you should pay attention to are the premium costs and features of a plan. Compare different plans and pick the one that is the most cost-effective. Lastly, check the claim settlement ratio of the insurance company. The higher the claim settlement ratio, the lower are the chances of your claim being rejected.
How much does a family of 4 spend on health insurance?
A family of four can spend anywhere between ₹1700 per month and ₹2200 per month for a family floater plan of ₹10 lakh.
What is a family health insurance plan?
A family health insurance plan is a plan that protects all family members under a single policy. This type of coverage is known as umbrella coverage, where the entire family shares the sum insured and pays a unified premium in return.
Why buy a family health insurance plan?
A family health insurance plan can offer better protection to a family. It also helps reduce costs and removes unnecessary confusion of purchasing multiple policies.
How can I add my family member to an existing policy?
You can contact the Tata AIG customer support on 1 800 266 7780 and request to add a new family member to your existing plan.
What is the difference between family health insurance and group health insurance?
Family health insurance plans cover the individual along with their family members. They can be bought by private individuals for their families. The premium here will be paid by the family member purchasing the policy. In contrast, group health insurance plans are only available to organisations, start-ups, and groups where the employees and group members are provided coverage. The premiums are paid by the employer. Family members of the employees can be included as dependants under group plans. However, the insured individual must work under the company offering the group health plan to access its health benefits.
Do I need a separate family health insurance policy if my family members and I are already covered under a group policy?
While it is not mandatory, is it advised to purchase family medical insurance to cover specific illnesses or conditions not covered under the group plans offered by your employer. If you are interested in purchasing a family mediclaim policy, contact us through our helpline.
What is the difference between mediclaim insurance and a fixed benefit health insurance plan?
|Mediclaim Insurance||Fixed Benefit Health Insurance|
|Indemnity-oriented plans that pay for pre and post-hospitalisation expenses up to the sum insured amount.||Pays a lump sum amount on diagnosis, irrespective of treatment costs.|
|Claims are usually processed based on diagnostic reports, written consultations with doctors, medical bills and other documents listed above on this page.||Claims are processed based on diagnostic reports confirming the insured illness or condition. No extra documentation is needed.|
|Provides cashless facilities at network hospitals||The sum assured is paid directly to the policyholder to receive treatment at any hospital or clinic.|
|Some plans require you to pay part of the expense while the rest is paid by the insurer.||The insurer pays the full benefit (sum assured amount).|
What are the best family health insurance plans in India?
|Family Health Insurance Plan||Network Hospitals||Sum Insured*|
|Tata AIG MediCare Premiere||8,000+||₹5 Lakh - ₹3 Crores|
|HDFC Optima Restore - Family Plan||13,000+||₹3 Lakh - ₹50 Lakh|
|Care Family Health Insurance||19,000 +||₹5 Lakh - ₹6 Crore|
|ICICI Lombard Complete Health Shield plan||6,700+||₹3 Lakh - ₹50 Lakh|
|Royal Sundaram Family Plus Health Insurance Plan||11,800+||₹3 Lakh - ₹50 Lakh|
|Bajaj Allianz Family Health Insurance Plan||8,000+||₹1.5 Lakh - ₹1 Crore|
|Star Family Health Optima Insurance Plan||12,000+||₹3 Lakh - ₹25 Lakh|
Can I add family members during my family medical insurance policy's term?
New family members can only be added to your family medical insurance plan on new policy purchases or renewals. The only exceptions to this rule are newborns and legal spouses upon marriage. These mid-term policy additions also require you to pay an extra premium.
What is the exit age for dependants under a family health policy?
The maximum age up to which dependant children can be covered under a family health insurance plan is 25 years. The maximum age for dependant parents is 65 years, after which they qualify for a senior health insurance policy.
*Disclaimer: Some coverage and policies may change over time and may differ from what is said in this blog; so, it is highly recommended to read the policy document carefully before purchasing it.