Health Insurance Plans for Family

Why Should You Buy a Family Health Insurance Plan?

Life changes with every stage.

At one stage, it is just you, figuring out your first job and planning your career.

Soon, you start building a life with your partner, sharing dreams and planning for the future.

In no time, you have children and your family expands. Before you know it, your children become the centre of your world.

Some time later, your kids grow into teenagers, and your parents start depending on you a little more.

Every stage of life adds a new chapter with more responsibilities.

You carefully prepare for different milestones of your family – your kid's school admissions, vacations, owning your first home, your child's marriage, and so much more. However, preparing for a medical emergency is something that often takes a back seat.

A single medical emergency for any one family member can disrupt your savings and long-term goals. This is exactly why you need family health insurance.

Having health insurance for family helps you stay financially prepared by covering your spouse, kids and parents under a single policy. It ensures protection against rising medical costs by providing access to quality healthcare through cashless hospitals. It helps you focus on recovery rather than arranging money.

Here is why you need a family health insurance policy:

1. Protect your Savings for Fulfilling Other Life Goals

   Most families deal with a medical crisis by withdrawing their savings or borrowing money, and it may take a long time to rebuild those savings. This can affect other financial goals, such as funding your child's education or marriage, buying a house, or building a retirement fund.

   By covering expenses for surgery, doctor's fees, ICU charges and room rent, daycare procedures, ambulance services, etc., a family health insurance plan helps you better manage your finances during a medical emergency.

2. Get Relief from the Stress of Managing Multiple Policies

   Instead of managing different health insurance policies and paying separate premiums for your spouse, kids and parents, a family health insurance policy covers the entire family in a single plan. With a single policy renewal date, a single claims process and shared coverage limits, it is more cost-effective and easier to manage.

3. For Situations Where Employer Cover May Not Be Enough

   Many people believe that health insurance from their employer is sufficient until the moment a family member needs a major hospitalization, and corporate insurance excludes it or has coverage restrictions. A family floater policy ensures financial protection for your family even after you switch jobs.

4. Peace of Mind Knowing Your Family is Protected

   In the end, it is more than just buying a health insurance policy for your family; it is about the reassurance that when a medical emergency occurs, your family gets the care they deserve without worrying much about hospital bills.

How Much Family Health Insurance Coverage Should You Buy?

The right family health insurance coverage depends on your family's size, age, location and healthcare needs. Moreover, a coverage amount that feels enough today may become insufficient in a few years as your family grows and healthcare costs continue to rise.

Since a family floater plan works on a shared sum insured, the ideal coverage is determined not by one person's medical needs, but by your entire family's combined healthcare needs.

You should ask yourself, “How much coverage is needed if more than one family member needs hospitalization in the same policy year?”

Generally, your sum insured should be sufficient to cover at least one major hospitalization or multiple hospitalizations within the same policy year.

Here are the factors that help to decide the right family health insurance coverage:

• Family size: A family with more members requires a higher sum insured.
• Age of members: Older members have more healthcare needs and require higher coverage.
• Existing health conditions: More people with pre-existing diseases, like diabetes, hypertension, etc., can increase the future healthcare costs.
• City of residence: Healthcare expenses are higher in metropolitan cities than in Tier-2 and Tier-3 cities.
• Medical inflation: Healthcare costs are rising every year; hence, your family floater must cover not just today's but also future medical costs.

Family Health Insurance Coverage by Location

Check out the recommended family health insurance coverage amount as per your city of residence:

Health Insurance Coverage by Family Size

Your family's healthcare needs evolve with every stage of life. Check out the recommended health insurance coverage amount as per your family size:

• Family of Two: A sum insured of ₹15-25 lakh is sufficient to meet hospitalization costs of a couple living in a metropolitan area since their health risks are low.

  Coverage Tip: If you are planning a child in the next 2-3 years, choose a plan with maternity benefits, as there is usually a waiting period for coverage.

• Growing Family (Family of Three or Four Members): As your family grows, more members share the same sum insured, increasing the likelihood of multiple or recurring medical expenses. Opting for a sum insured between ₹20 lakh and ₹30 lakh is recommended to meet multiple hospitalization costs.

  Coverage Tip: Choose a plan with restoration benefits or no claim bonus to enhance coverage beyond the basic sum insured.

• Family with Senior Citizens: Opt for a higher coverage of at least ₹30-50 lakh as elderly people are at a higher risk of chronic conditions and require frequent hospitalizations.

  Coverage Tip: Instead of adding elderly parents to a family floater plan, it is best to buy separate health insurance for senior citizens as their healthcare needs can exhaust the shared sum insured meant for other family members. You can also buy a critical illness cover to supplement protection and easily tackle any major illness.

*Disclaimer: The recommended sum insured mentioned above is indicative and may vary depending on different influential factors.

List of Family Health Insurance Plans in India 2026

Take a look at some of the ideal family health insurance plans from different health insurance companies below:

*Disclaimer: The list mentioned is in alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product. This list of plans comprises insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India, refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

What is Covered in a Family Health Insurance Plan?

Take a look at the most common coverage available under family health insurance plans:

• In-patient Hospitalization – It covers medical expenses incurred on surgery, ICU charges, room rent, doctor's fees, nursing charges, etc., for hospitalization of at least 24 hours.
• Daycare Procedures – It pays for the cost of daycare procedures that require hospitalization of less than 24 hours.
• Pre and Post-Hospitalization – It covers medical expenses incurred before hospitalization (doctor visits, medical tests, etc.) and after discharge (follow-up consultation, etc.) up to a certain number of days.
• Ambulance Charges – It covers expenses incurred on availing ambulance services to the hospital during a medical emergency.
• AYUSH Treatment – It pays for availing alternative treatment through Ayurveda, Homeopathy, Yoga, Siddha and Unani.
• Domiciliary Treatment – It covers medical expenses incurred on availing treatment at home on the advice of a doctor.
• Maternity Cover – It covers pregnancy-related expenses like delivery charges, pre- and post-natal expenses and newborn baby expenses.
• OPD Cover – It pays for doctor consultations on an outpatient department (OPD) basis, along with expenses incurred on medicines and diagnostic tests.
• Organ Donor Expenses – It covers the cost of harvesting a donated organ in case of an organ transplant.
• Daily Cash Allowance – It provides a daily hospital cash allowance to the policyholder to cover day-to-day incidental expenses during hospitalization.
• Mental Illness Cover – It provides coverage for the treatment of mental diseases, such as depression, anxiety, schizophrenia, etc.
• Consumables Cover – It covers the cost of consumables or non-medical items, such as syringes, gowns, cotton, diapers, etc.
• Health Check-ups – It pays for availing preventive health check-ups at a network provider of the insurance company.

What is Not Covered in a Family Health Insurance Plan?

When buying health insurance for your family, you must thoroughly read the policy documents in order to understand the policy exclusions in detail. Following are the medical expenses generally not covered by family health insurance plans in India:

• Non-accidental dental treatments
• Routine medical check-ups
• Cosmetic treatment or plastic surgeries
• Treatment that was taken overseas unless it is included in the plan
• Any illness or injury resulting due to war conditions, nuclear reaction, rebellion, acts of foreign enemies, etc.
• Injury or illness due to participation in unethical or criminal activities
• Self-inflicted injuries or suicide
• Treatment for drug or alcohol addiction

How Family Health Insurance Works?

Under family health insurance, a single premium is paid for everyone, and the same sum insured is shared by all the covered family members. This means that when one member files a claim for hospitalization, it reduces the sum insured available to other family members during that policy year.

Let us understand how a family health insurance plan works with an example:

• Suppose you buy family health insurance for yourself, your spouse and two kids with a coverage of ₹20 lakh.
• Now, your spouse needs surgery and the hospital bill amounts to ₹12 lakh.
• Your family insurance polciy shall cover this amount.
• This shall reduce the sum insured to ₹8 lakh.
• This remaining coverage amount can be used by one or more insured members during the same policy year.

Health insurance for family works on the assumption that the chances of all family members falling ill at the same time are low, and not everyone would need to use policy benefits simultaneously in one policy year. Hence, family members share the same coverage and risks under this type of health insurance.

The members under this plan continue to get coverage till the entire sum insured is exhausted, whether it is due to a single hospitalization or multiple hospitalizations.

Eligibility Criteria to Buy a Family Health Insurance Plan

Any individual aged 18 years or above can buy a family health insurance plan for themselves and their eligible family members. While the IRDAI has removed the upper age limit for buying health insurance, most insurers still cap the maximum entry age at 65 years. The eligibility criteria for family health insurance plans in India depend on the insurer and the policy you choose.

Age Criteria

• Primary Policyholder & Adult Members: Minimum entry age is 18 years, maximum entry age is usually 65 years.
• Children: Covered usually from 91 days of age to 25 years. Some plans or riders also provide Day 1 coverage.

Who Can Be Included in a Family Health Insurance Plan?

• Spouse: Legal husband or wife
• Children: Dependent biological or adopted children
• Parents and In-laws: Many modern plans allow adding dependent parents and parents-in-law
• Extended Family: A select few plans allow you to cover your siblings, grandparents, son-in-law, daughter-in-law, and other dependent family members.

The exact list of members that can be included in a family floater policy depends on the insurer and the policy wording.

Important Things to Keep in Mind Regarding a Family Health Insurance Plan

• Disclosures: All members should honestly declare pre-existing health conditions (hypertension, diabetes or heart problems) or medical history (past surgeries or treatments) before buying the policy.
• Medical Screening: Pre-policy medical check-ups are usually mandatory for Individuals above 45 years.
• Premium: Usually, the premium for a family health insurance plan is determined based on the age of the eldest family member.
• Pre-existing Diseases: Insurers usually cover pre-existing diseases after a waiting period of up to 3 years. Some plans also offer PED coverage from day 1.
• Sum Insured: You must increase the sum insured when you add new family members to the policy to ensure enough coverage for each member.
• Coverage for Children: Children are covered under the policy until they reach the maximum age limit specified in the policy. After that, you must buy a separate policy for them.

Disclaimer: Age limits, covered members and medical underwriting requirements vary from one plan to another.

When Should You Buy Family Health Insurance?

The best time to buy a family health insurance plan is before your family's healthcare needs increase. Ideally, buying early in your late 20s or early 30s helps you to complete waiting periods and get comprehensive coverage before any major health issues arise.

Family Health Insurance at Different Life Stages

Is Buying Family Health Insurance Right for You?

Buying a family health insurance plan can be an ideal choice if:

• All members to be insured are healthy
• There is no major family medical history
• You are not adding any senior citizens to the plan
• If you choose a high sum insured sufficient to cover multiple hospitalizations

How is the Premium for Family Health Insurance Calculated?

The family health insurance premium is calculated based on the age of the eldest family member and the family's overall risk profile. There are other factors as well that affect the price of a family health insurance plan. These include number of family members covered, coverage amount, medical history, location, add-ons chosen, co-payments and deductibles clause and lifestyle factors.

Let us look at the factors affecting premium for a family health insurance plan:

1. Eldest Member's Age

   The premium for family health insurance is usually based on the age of the oldest insured family member. The higher the age, the higher the premium.

   For instance, a family with the eldest member of 56 years will have to pay more premium than that where the eldest member is 37 years.

2. Number of Family Members

   The higher the number of the members being insured in a family floater plan, the higher is its impact on premium.

   For instance, the premium for a family of 3 will be lower than that for a family of 5 people.

3. Sum Insured

   For a family choosing a high sum insured, the impact on premium is also higher. However, you must remember that a plan with higher sum insured offers greater value in comparison to the higher premium charged.

   For instance, a family health insurance plan with ₹10 lakh sum insured may have a lower premium, while the one with ₹25 lakh sum insured shall have a higher premium but also better coverage for healthcare needs.

4. Family Medical History

   Depending on how many members have pre-existing conditions and level of their severity, the premium loading rises.

   For instance, if you have only one PED (say, diabetes), the policy premium will be lower than if you have multiple or more severe PEDs (say, you have diabetes and hypertension or you have a heart condition).

5. Location

   The premium for a family in a metropolitan or tier-1 city will be higher than the one in tier-2 or smaller towns.

   For instance, the same family health insurance plan costs more in Gurgaon than it would cost in Jalandhar (Tier-2 city) or Haldwani (Tier-3 city).

6. Lifestyle Factors

   If anyone in the family smokes or drinks regularly, the premium loading will be higher.

   For instance, the premium for a family where no one smokes will be lower than the one where a member is a regular smoker.

Benefits of Buying Health Insurance Plans for Family

One of the several benefits of buying family floater health insurance policies is that they protect your entire family under a single plan, lowering your financial burden and helping you save your hard-earned money during medical emergencies.

Here is a quick rundown of the major benefits of buying a family health insurance plan:

1. Coverage for the Whole Family

   Unlike individual health plans, family floater insurance covers all your family members in a single policy. It allows you to share a single sum insured with your spouse, children, parents and parents-in-law. It saves you from the hassle of buying and renewing separate mediclaim policies for all family members every year.

2. Stress-free Hospitalization

   With family health plans, you and your family members can avail cashless treatment at any network hospital of your choice. The insurance company pays the eligible medical costs directly to the hospital, thus reducing your out-of-pocket expenses.

3. Financial Preparedness for Rising Medical Costs

   Costs for healthcare facilities are skyrocketing in India due to rising medical inflation. Having a health insurance policy for your family provides financial protection against medical emergencies and future healthcare costs.

4. Coverage Beyond Base Sum Insured

   Most family health policies offer additional features that increase overall coverage, such as restoration benefits and no claim bonus. A restoration benefit refills or restores the coverage amount up to 100% of the base sum insured, and no claim bonus is the additional amount provided for not making a claim during a policy year.

5. Affordable Premiums

   Since all insured members share the same sum insured, the premium for a family health insurance plan is cheaper than buying separate individual policies for each member. This lets you get comprehensive coverage for yourself, your spouse, children, parents and other family members at a more cost-effective premium.

6. Add New Family Members Easily

   You can easily add a new family member, like your spouse or a newborn baby, to the family floater policy mid-term by paying an additional premium. Unlike an individual cover, you do not need to take a fresh policy every time there is an addition to your family.

7. Tax Benefits on Family Health Insurance Premium

   Under Section 80D of the Income Tax Act, you can claim up to ₹25,000 for the health insurance premium paid for your immediate family members and up to ₹75,000 if you also pay premiums for your senior citizen parents.

How Medical Inflation Impacts You & Makes Family Health Insurance Necessary?

As per the 2026 Aon's Global Medical Trend Rates Report, the annual trend rate in India is expected to be around 11.5% in 2026. This outpaces the global average rate of 9.8%, implying the healthcare costs in India are rising much faster than it is globally. 

Moreover, medical inflation in India is much higher than the general inflation rate of 4.1%. It means that healthcare costs are rising faster than everyday prices. From hospitalizations, surgeries, and treatments to diagnostic tests and doctor consultations, every medical facility is getting expensive.

This makes it difficult for many families to afford quality healthcare. Families often have to break their lifelong savings to pay medical bills in case of an emergency. A family health insurance policy safeguards your family against these rising medical expenses without exhausting your savings. 

You can get the required treatment for your family members without worrying about arranging money first to make initial deposits. Timely hospitalization ensures that you do not have to compromise with or delay their treatment.

How to Save Tax with Family Health Insurance Plans?

You can save tax by buying a family health insurance policy. As per Section 80D of the Income Tax Act, the premium paid to buy a medical insurance policy for the family is eligible for tax deductions. You can earn a tax benefit of up to ₹25,000 per year on buying family health insurance for yourself, your spouse and your dependent children.

However, if you buy a family health insurance plan for your senior citizen parents of age 60 years or above, you can earn a tax deduction of up to ₹50,000 per year. Thus, you can enjoy a total tax benefit of up to ₹75,000 if you buy a mediclaim policy for your family and parents.

Individual Health Insurance vs Family Health Insurance Plans

Check out the key differences between an individual health insurance plan and a family health insurance plan:

How to Choose the Right Family Health Insurance Policy in India?

Here are a few important points that you must consider while choosing a good health insurance plan for your family:

1. Check the Coverage Offered

   Before buying a family health insurance plan, it is important to check the coverage offered under the plan. Almost all family health plans provide coverage for day care expenses, in-hospitalization expenses, ambulance charges, pre & post-hospitalization expenses, etc. Moreover, some plans also cover maternity expenses, non-medical expenses and preventive health check-ups. Opt for a plan that appropriately covers your family’s health needs within your budget.

2. Choose a Plan with Unlimited Restoration of the Sum Insured

   Most health insurance plans for families offer the restoration benefit that recharges the sum insured by 100% before renewals on partial or complete exhaustion. While some plans allow unlimited restoration during a policy year, others may restore it only once a year. Moreover, the restoration benefit may or may not be available for claims arising from the same illness. Hence, you must choose a family plan that offers unlimited restoration of the sum insured for unrelated and same illnesses during the policy year.

3. Pick a Plan with a Minimal PED Waiting Period

   As per the latest guidelines by the Insurance Regulatory & Development Authority of India (IRDAI), pre-existing diseases are covered by health insurance plans after a maximum waiting period of 3 years. However, some family health plans also offer PED coverage from day 1 for some listed diseases. Therefore, you must pick a health plan that covers the pre-existing diseases of your family members after a minimal waiting period.

4. Opt for a Plan with the Sum Insured Enhancement Option

   The cost of medical facilities keeps increasing due to inflation. Thus, you must opt for a plan that comes with an option to enhance your sum insured during renewals. Several insurers offer cumulative bonus benefit that increases your sum insured amount by up to 100% if you do not raise a claim in the previous policy years.

5. Opt for Plans with Cashless Everywhere Facilities

   All health insurance companies in India offer cashless hospitalization facilities at their network hospitals. But with cashless everywhere benefit, you can avail cashless treatment at any hospital of your choice across India. This makes the hospitalization process seamless and hassle-free. Thus, you must go ahead with a family mediclaim policy with the cashless everywhere benefit.

6. Check the Maximum Entry Age

   Every family health insurance plan may have different eligibility and entry age criteria. Before buying a family plan, check the eligibility criteria to ensure coverage for all your family members. Moreover, you should opt for a family health plan that comes with a lifelong policy renewal facility.

7. Get Hassle-free Claim Settlement

   Before buying any health insurance plan for your family, make sure to check and understand the insurance company's claim settlement process. Opt for a plan that provides a quick claim settlement while approving cashless claims within a few hours. Moreover, check if the customer support team of the insurer is available 24x7 for claim assistance so that you can reach them out whenever a medical emergency strikes.

Should You Include Your Parents in Your Family Health Insurance Plan?

Generally, it is not advisable to add your elderly parents to your family health insurance policy.

This is because elderly parents are more likely to develop health issues due to their increasing age and file a claim. As a result, insurers charge them a higher premium. So, if you add your parents to your family policy, you will end up paying a hefty premium.

Moreover, since parents can raise frequent claims, the sum insured may be exhausted or insufficient when another family member wants to claim the family policy. Therefore, buying separate health insurance for parents is advisable instead of adding them to your family health policy.

A separate parents health insurance plan ensures better coverage for them, keeps the premium for your family health insurance plan manageable and lowers the risk of its sum insured being exhausted quickly.

Why to Buy Health Insurance Plans for Family Online?

Take a look at some of the reasons why you should consider buying a family health insurance plan online:

1. More Convenient

   Buying a health insurance plan for your family online is a convenient process. You can easily compare various plans or get expert advice anytime, anywhere. Besides, you do not need to fill out multiple forms at the time of buying the plan or stand in a queue to submit them.

2. Instant Quotes

   The process of buying family health insurance is very quick as you can get quotes from different insurance companies instantly. The quotes can be compared to help you choose the ideal plan within your budget.

3. Safe Payment Modes

   As the world has become more digitized, people prefer online payment over cash or cheques to reduce the risk of fraud. Digital payment options, such as debit cards, net banking, credit cards, wallets, etc., with safe payment gateways are available when the family health plan is purchased online.

4. Quick Policy Issuance

   Gone are the days when you had to wait for weeks to get your policy document. Instead, your policy will be issued within a few hours when you purchase it online.

Documents Required to Buy a Family Health Insurance Plan

Check out the list of documents required to buy a family health insurance plan:

You may also be required to submit passport-size photos, a duly filled proposal form and some medical documents at the time of buying the policy.

How to Buy a Health Insurance Plan for Family Online from Policybazaar?

Policybazaar Insurance Broker Private Limited allows you to compare multiple family health insurance plans online to buy the ideal one within your budget. Follow the steps given below to buy a family health insurance plan online from Policybazaar.com:

• Step 1: Go to Policybaaar.com and click on the ‘Health Insurance’ icon on the homepage
• Step 2: Select your gender and the family members you want to cover with their ages
• Step 3: Enter your city or Pin code and provide details of any past medical history of the family members to be insured
• Step 4: Select if your employer offers medical insurance and choose the sum insured range if they do
• Step 5: Family health insurance plans from multiple insurance companies will be displayed
• Step 6: Compare the plans and choose the ideal plan for your family’s health needs
• Step 7: Pay the premium for the plan you want to purchase online
• Step 8: You will receive your family health insurance policy once the insurer receives the premium payment.

In case of any query, you can reach out to insurance experts at Policybazaar.com by calling the toll-free number at 1800-208-8787 or by sending an email to care@policybazaar.com

Common Mistakes to Avoid While Buying Family Health Insurance

When buying health insurance for family, you must avoid choosing a sum insured without assessing the entire family's healthcare needs or choosing a plan because of the low premium. Here are some of the common mistakes that people make when buying a family health insurance policy:

• Low Sum Insured: Choosing a plan with lower sum insured can leave you with insufficient coverage, especially in case of major or repeated hospitalizations.

  What to do

  Choose a plan with adequate sum insured sufficient to cover the entire family's healthcare requirements.

• Not Disclosing Pre-Existing Diseases: Hiding or providing incomplete information about medical history or existing health conditions of any family member can result in claim rejections or even policy cancellation.

  What to do

  Honestly reveal complete family medical history at the time of policy purchase.

• Ignoring Waiting Periods: Not checking the mandatory waiting periods, like pre-existing disease waiting periods, delays coverage of conditions you may want to get covered for from the start.

  What to do

  Read the policy wordings to check the waiting period for pre-existing conditions and specific diseases to know which condition is covered when.

• Not Checking Network Hospitals: Not checking whether your nearby preferred hospitals are covered in the insurer's network hospitals list can cause delay and obstacles in receiving cashless treatment.

  What to do

  Always check if the insurer has enough reputed hospitals and multi-speciality healthcare facilities close to your residence area.

• Neglecting Room Rent Limit: Overlooking sub-limits and capping on room rent and specific disease treatment expenses result in higher out-of-pocket expenses.

  What to do

  Opt for a health insurance plan with no room rent limit or lower caps so that you do not receive any surprise when the hospital bill arrives.

• Ignoring Co-payment: A higher co-payment means paying more amount from your pocket at every claim. This is especially concerning for a family health plan where there are more chances of repeated claims.

  What to do

  Choose a family health insurance policy with no or lower co-payment.

• Including Old-aged Parents in the Same Policy: Elderly parents usually have age-related health conditions and require frequent hospital visits., It causes the sum insured to exhaust quickly, making the amount short for other family members.

  What to do

  Buy a separate health insurance policy for senior citizens to ensure wider and more relevant coverage for them.

• Ignoring Policy Exclusions: Not reading the list of treatments and diseases that are not covered by the insurer is one of the major reasons for claim rejections.

  What to do

  Always read the complete policy wordings or ask your insurer about conditions and treatments not covered by your family health policy.

How to File a Claim for a Family Health Insurance Plan?

You can file a claim under your family health insurance policy in two ways - cashless claims and reimbursement claims. The procedure for both types of claims is given below:

Cashless Claim Process:

• Inform your insurance company about the health emergency within 24 hours of hospital admission. In case of planned hospitalization, intimate the insurer at least 48 hours in advance.
• Fill up the cashless treatment pre-authorization form, which you can find at the TPA or insurance desk of the hospital.
• Submit the pre-authorization form with other required documents to the hospital, which will forward it to your insurer.
• The claim management team of your insurer will send you the letter of approval if the cashless claim request is approved.
• If there is any query regarding your claim, the insurance company will contact the hospital for the same. In case the request is not approved, you will need to raise a reimbursement claim later.
• Once approved, obtain the treatment at the hospital and sign all the documents before discharge.
• Your insurer will settle your medical bills with the hospital.

Reimbursement Claim Process:

• Intimate your insurer about your medical emergency within 24 hours of getting hospitalized. For planned hospitalizations, the insurer must be notified at least 48 hours before being admitted
• Receive the treatment at the hospital.
• Pay all the hospital bills and collect all documents at the time of discharge.
• Submit the filled-in claim form along with other required documents to your insurance provider at the earliest.
• The claim management team of the insurance company will review your claim and verify all your documents.
• You will receive a letter of approval or rejection from the team after your claim has been verified.

Documents Required for Family Health Insurance Claim Reimbursement

The following documents must be submitted to raise a family health insurance reimbursement claim:

• Duly filled health insurance claim form
• Copy of the policy document or the insured’s health card
• Hospital discharge certificate
• Doctor consultation papers and OT notes
• Medical investigation results and test reports
• Hospital bills
• Bill payment receipts
• Pharmacy bills supported by doctor’s prescription along with payment receipts
• Any other document requested by the insurer
• You can check the complete list of documents by referring to your policy document.