Family Health Plan

As of November 18, 2022, the overall deaths due to coronavirus (COVID-19) in Africa reached 257,984.
- Statista

At this point, you’re probably wondering, how does a family plan work for health insurance? You pay a single premium for everyone in the family. The premium typically changes when you add or remove people from the plan. Then, just like individual insurance, the plan may require you to pay co-pays for different services and reach a deductible.

What you should know about Family Health Plan

As with all insurance policies, there are a few different kinds of costs to consider while shopping:

  • Premiums: Premiums are the monthly payments you make in order to stay enrolled in your family plan.
  • Deductibles: Your deductible is the amount of money you have to pay out-of-pocket before your health insurance takes over payment. After you’ve reached this amount of money, your family health insurance will pay for any other health care you receive that year.
  • Other various costs: There are a few other costs – like copayments (copay), coinsurance, and out-of-pocket maximums – associated with family coverage that you need to consider when looking for a policy. A copayment is a fixed amount of money you pay for a covered service which either come into effect before or after you’ve reached your deductible. Coinsurance is a percentage you pay for covered services after you’ve reached your deductible until you’ve reached your out-of-pocket maximum. After you hit your out-of-pocket limit, your family health insurance will pay for 100% of the cost of your covered benefits for the rest of the year.

One of the good benefit insuring your family is that, in case of hospitalization, the insured family member can avail cashless treatment in a network hospital of the insurer just like in individual health plans. In this way, you can get all your family members eligible to get medical attention without compromising on their treatment.

How does
Ensuram work

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Step One

Choose the type of insurance you like and tell us a bit about yourself and the beneficiary.

Step Two

Search and compare plans from a list of in country insurances. We display on your screen what best suits your needs.

Step Three

Once you've found the insurance that best suits your needs, proceed to checkout. After your payment, check your email please for further information.

A short story before you engage with us

Hannah is a Nigerian Accountant married to an American. Together they live in the United Kingdom. Hannah is the 3rd out of a family of 5 children. She's the only child that have traveled abroad while the rest of her siblings don't earn that much back in Africa. Meanwhile, the health of their mother is at risk. One day, her mother is transported to the hospital but there isn't sufficient money to continue her treatment. Hannah's siblings have to call her to send additional money. Hannah succeed to send money after 24 hours. Within this time, her mother's condition has worsen...

What do you learn from this short story? Because that's the reason why we exist. So that situations like this won't happen. With Ensuram, you can insure your family and they need not worry again about hospitals bills.

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