What is Family Health Insurance?

A family health insurance plan is a kind of medical insurance that covers all your family members in a single health insurance policy. Under this plan, a fixed sum insured is shared by all family members with an assumption that not everyone will get sick at the same time. Most family health insurance plans offer cashless hospitalization facilities, maternity benefits and cover pre & post hospitalization as well.

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Best Health Insurance Plans for Family in India 2023

To make it easier for you to buy a mediclaim policy for your family at Policybazaar.com, we have listed some of the best family health insurance plans from top health insurance companies in India below. Take a look:

Family Health Insurance Plans	Sum Insured (Rs)	Key Benefits
Aditya Birla Activ Health Platinum Plan	2 lakh to 2 crore	Day care procedures In-patient hospitalization expenses OPD cover Home treatment Obesity Treatment
Bajaj Allianz Health Guard Plan	1.5 lakh to 1 crore	Pre-post hospitalization expenses Road ambulance charges Preventive health check-up Maternity expenses Bariatric surgery cover
Care Health Insurance Plan	5 lakh to 6 crore	Maternity cover In-patient-hospitalization expenses Organ donor expenses Daily allowance Annual health check-up
Cholamandalam Healthline Insurance Plan	2 lakh to 25 lakh	Emergency ambulance expenses Hospitalization expenses Maternity cover Extended hospitalization allowance Outpatient expenses (dental, hearing aid, contact lens & spectacles)
Digit Health Insurance Plan	2 lakh to 3 crore	Pre-post hospitalization expenses Maternity benefit In-patient hospitalization benefit Psychiatric illness cover Worldwide coverage
Future Generali Health Suraksha Plan	50,000 to 10 lakh	Ambulance charges Day care treatment In-patient hospitalization expenses Pre-post hospitalization expenses Patient care benefit
HDFC ERGO my:health Suraksha Plan	1 lakh to 5 crore	Home healthcare Alternative treatment Road ambulance service In-patient hospitalization expenses Organ donor cover
IFFCO Tokio Family Health Protector Plan	1.5 lakh to 30 lakh	Hospitalization expenses Vaccination expenses Domiciliary hospitalization Daily allowance Emergency assistance services
Zurich Kotak (formerly known as Kotak Mahindra) Health Care Plan	2 lakh to 25 lakh	In-patient hospitalization expenses Free health check-up Ambulance cover Pre-post hospitalization expenses Day care procedures
Liberty Secure Health Connect Plan	2 lakh to 15 lakh	Emergency local road ambulance charges Pre-post hospitalization expenses Daily cash allowance Day care procedures In-patient hospitalization expenses
Magma HDI OneHealth Insurance Plan	2 lakh to 1 crore	Hospitalization expenses Convalescence benefit Maternity benefit IVF treatment Psychiatric treatment
ManipalCigna ProHealth Insurance Plan	2.5 lakh to 1 crore	In-patient hospitalization expenses Maternity expenses Worldwide emergency cover Expert opinion on critical illness Health maintenance benefit
National Parivar Mediclaim Plan (Floater)	1 lakh to 10 lakh	Pre-post hospitalization expenses Morbid obesity treatment Mental illness cover Infertility cover Hazardous sports treatment cover
New India Assurance Floater Mediclaim Plan	2 lakh to 15 lakh	Hospitalization expenses Hospital cash benefit Critical care benefit Congenital disease treatment Mental illness cover
Niva Bupa (Formerly known as Max Bupa) Heartbeat Health Insurance Plan	5 lakh to 1 crore	Maternity benefit In-patient care Alternative treatment Mental disorder treatment HIV AIDS treatment
Oriental Happy Family Floater Policy	2 lakh to 20 lakh	Maternity expenses Pre-post hospitalization cover Mental disorder treatment Domiciliary hospitalization OPD treatment
Raheja Health QuBE Insurance Plan	1 lakh to 50 lakh	Medical check-up In-patient hospitalization expenses Organ donor benefit Daily allowance Non-medical expenses
Reliance Health Infinity Plan	3 lakh to 5 crore	Pre-post hospitalization expenses Domiciliary hospitalization Mother and child care benefit Double cover benefit OPD cover
Royal Sundaram Family Plus Plan	2 lakh to 50 lakh	Day care procedures In-patient care Maternity benefits Emergency domestic evacuation cover Nutritional allowance for mothers
SBI Super Health Insurance Plan	3 lakh to 2 crore	Hospitalization expenses Maternity expenses OPD cover Recovery benefit Global cover
Star Family Health Optima Insurance Plan	3 lakh to 25 lakh	Day care procedures Pre-post hospitalization expenses Assisted reproduction treatment Newborn baby cover AYUSH treatment
Tata AIG MediCare Premier Plan	5 lakh to 50 lakh	In-patient treatment Consumables benefit Vaccination cover Maternity cover High end diagnostic cover
United India Family Medicare Plan	3 lakh to 25 lakh	Health Check-up Pre-post hospitalization expenses Modern treatments Day care treatment Organ donor expenses
Universal Sompo Complete Healthcare Insurance Plan	1 lakh to 50 lakh	Mother and child care benefit OPD consultations benefit In-patient hospitalization expenses Domiciliary hospitalization Convalescence benefit
Zuno (Formerly Edelweiss) Health Insurance Plan	1 lakh to 1 crore	Maternity benefit Recovery benefit Hospitalization expenses Health check-up Critical illness cover

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Disclaimer: *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

Benefits of Buying Health Insurance Plans for Family

There are several benefits that the insured family members can avail with family floater health insurance plans. For instance, you can get coverage for all the family members, irrespective of their age, under a single policy. Here is a quick rundown of the major benefits of buying a family health insurance plan:

1. Stress-free Hospitalization Expense Cover

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.

2. Get Health Insurance Cover for Parents in the Same Plan

Several health insurance companies allow people to include both parents and parent-in-law under a family health plan for no additional premium. You can secure the health of your parents and your spouse’s parents under one plan.

3. Affordable Premium

As family health insurance plans do not require you to pay individual premiums for all the family members, you can cover your spouse, child, and parents under the same plan at an affordable premium. However, it is suggested to buy individual health cover for your parents considering their age-related health issues.

4. Insure New Family Members Easily

In family health insurance plans, you can add a new family member easily on the payment of an extra premium. Unlike an individual cover, you don’t need to take a fresh policy every time there is an addition to your family. If you add your parents to an existing family health insurance plan, make sure to increase your sum insured.

5. COVID Health Insurance for Family

You can buy Health insurance for Coronavirus to financially secure yourself and your family members against COVID-19. Although all insurance providers are offering coronavirus treatment cover under basic health insurance plans, coronavirus-specific plan ‘Corona Kavach policy’ has also been launched that covers hospitalization costs incurred on the treatment of coronavirus on a floater basis.

6. Option to Avail Additional Benefits

Various add-on benefits are available under family health plans, including critical illness cover, maternity cover, etc. . Remember to read the policy terms carefully to know about any waiting periods applicable to any add-on covers before buying the best health insurance plan for your family.

7. Tax Benefits on Health Insurance Premium

Under Section 80D of the Income Tax Act, the health insurance premium is given a tax exemption. If you are paying the health insurance premium for your family and parents, then you are eligible for tax benefits.

Aditya Birla Health Insurance Plans for Family

Bajaj Allianz Health Insurance Plans for Family

Bharti AXA Health Insurance for Family

Care Health Insurance for Family

Cholamandalam Health Insurance for Family

Digit Health Insurance for Family

Future Generali Health Insurance for Family

HDFC ERGO Health Insurance for Family

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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 Expenses– Any medical expenses incurred on hospitalization of more than 24 hours due to an illness or accidental injury is covered.
Day Care Procedures– It covers the cost of day care procedures that require hospitalization of less than 24 hours.

Ambulance Charges– The expenses incurred on availing ambulance services to the hospital during a medical emergency is covered.
Pre and Post-Hospitalization Expenses –The medical expenses incurred before hospitalization (medical investigation, tests, etc.) and after discharge (follow-up consultation, etc.) is also covered up to a certain number of days.
Maternity Cover– Most family health insurance plans come with maternity cover that covers pregnancy-related expenses and newborn baby expenses.
Organ Donor Expenses– It covers the cost of harvesting an organ and donor-related expenses in case of an organ transplant.
AYUSH Treatment– Any hospitalization expenses incurred to avail treatment through Ayurveda, Homeopathy, Yoga, Siddha and Unani are covered.
Domiciliary Treatment– It pays for the medical expenses incurred on availing treatment at home on the advice of a doctor.
Daily Cash Allowance– A daily hospital cash allowance is provided to the policyholder to cover day-to-day incidental expenses during hospitalization.
Mental Illness Cover– Most family health insurance plans provide coverage for mental diseases, such as depression, anxiety, schizophrenia, etc.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

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What is not covered in a Family Health Insurance Plan?

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

OPD treatments and routine medical check-ups
Expenses incurred on any aesthetic treatment or plastic surgeries

Expenses incurred on life-support machines
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
Pregnancy or childbirth-related complications (unless mentioned in the plan)like voluntary termination of pregnancy, miscarriage or abortion, etc.
Any pre-existing medical condition is not covered until the completion of the waiting period

Eligibility Criteria to Buy a Family Health Insurance Plan

Every family health insurance plan comes with eligibility criteria. Although the eligibility criteria vary from one plan to another, the following table shows the common eligibility criteria for family health insurance plans in India:

Categories	Specifications
Minimum Entry Age	Adult – 18 years Children – 90 days
Maximum Entry Age	Adult – 65 years Children – 25 years
Family Members Covered	Self, spouse, dependent children, dependent parents and parents-in-law
Renewability	Lifetime

There are certain key points about family health insurance plans that you must know before you decide to buy the plan. These points are given below:

Family health plans allow you to include new members in the policy at the cost of an additional premium.
The policy expires as soon as the eldest member of the family reaches the maximum covered age of a person.
You must choose to increase the sum assured if you include new family members in the policy to ensure enough coverage for each family member.
The policy no longer covers a dependent child as soon as he/she crosses the age limit specified in the policy document.
Don't include your senior citizen parents in your existing family health plan, as it will significantly increase the premium. Moreover, the coverage will not be suited for their age-related health issues.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

Why to Buy Health Insurance Plans for Family Online?

There are a plethora of family mediclaim policies in India, which makes choosing the best plan a difficult task. You can save your time by comparing the quotes of different family health insurance plans online at websites like Policybazaar.com. Let’s look at some of the reasons why you should consider buying a family health insurance plan online:

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 don’t need to fill up multiple forms at the time of buying the plan or stand in a queue to submit them.

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 with each other to help you choose the best plan within your budget.
Safe Payment Modes

As the world has turned digital, people prefer online payment over cash or cheque to reduce the risk of fraud. Digital payment options, such as debit cards, net banking, credit cards, etc. with safe payment gateways are available when the family health plan is purchased online.
Instant Policy Issuance

Gone are the days when you had to wait for weeks to get your policy document. Your policy will be issued almost instantly when you purchase it online.
Online Access to Policy Services

Once you have purchased a family health insurance plan, you can easily access your policy documents and avail after-sales services online or by downloading the mobile application. You can also raise a health insurance claim online.

Health Insurance Plans

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Health Insurance for Senior Citizens

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Health Insurance for Critical Illness

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Health Insurance for Ageing Parents

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Health Insurance for Coronavirus

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Maternity Health Insurance

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Health Insurance for Diabetic

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Personal Accident Health Insurance

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Things to Consider Before Buying a Family Health Insurance Plan

Here are a few important points that you must consider before buying a health insurance plan for your family:

Check the Family Health Insurance Plan Coverage

Before buying a family health insurance plan, it is important to check the coverage offered under the plan. Almost all family health plans offer coverage for day care expenses, in-hospitalization expenses, ambulance charges, pre & post-hospitalization expenses, etc. Opt for a plan that appropriately covers your family health needs within your budget.

Opt for a Plan with the Sum Inured 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 up to 100% if you do not raise a claim in the previous policy years.
Check for Availability of Cashless Hospitalization

All health insurance companies in India offers cashless hospitalization facilities at their network hospitals. This makes the hospitalization process seamless and hassle-free. However, it is imperative to crosscheck the cashless hospital list before buying the plan to ensure that good hospitals near your house are included.
Check the Maximum Renewal Age

A few health insurance companies in India offer family health policy renewal options until the eldest family member turns 60/65 years old. However, you should opt for a family health insurance plan that comes with a lifelong policy renewal facility.
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 follows a quick claim settlement procedure. Many companies these days also offer cashless hospitalization facilities that are hassle-free.

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

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

Cashless Claim Process:

Inform your insurance company about the health emergency
Fill upthe pre-authorization form, which you can find at the TPA or insurance desk of the network
Submit the pre-authorization form with otherdocuments to the hospital who will forward it to your insurer

The claim management team of your insurer will send you the letter of approval if the claim request is approved.
If there is any query regarding your claim, then the insurance company will contact the hospital for the same.
If it’s not approved, you will need to request for reimbursement claim.
Once approved, receive the treatment at the hospital and sign all the documents before discharge.
Your insurer will settle your medical bills with the network hospital.

Reimbursement Claim Process:

Intimate your insurer about your medical emergency
Receive the treatment at a non-network hospital
Pay the hospital billsand collect all documents at the time of discharge
Submit the filled-in claim form along with other required documents to your insurance provider
The claim management team of the insurance companywill review your claim.
You will receive a letter of approval or rejection from the team after your claim has been verified.

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

If you want to buy a health insurance plan to cover all your family members, you can easily buy it online on Policybazaar Insurance Broker Private Limited. They allow you to compare multiple family health insurance plans online to buy the best one within your budget. Follow the steps given below to buy a family health insurance plan online from Policybazaar.com:

Go to the website of Policybaaar.com
Click on the ‘Health Insurance’ icon on the homepage

Enter your contact details, such as your name, phone number and gender
Select the family members you want to cover and enter the age of the eldest member & eldest child
Provide details of your any past medical history
Family health insurance plans from multiple insurance companies will be displayed
Compare the plans and choose the best plan for your family’s needs
Pay the premium for the plan online
You will receive your family health insurance policy within a few minutes.

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

Q. How does a family health insurance plan works?

Ans: Under family floater health insurance, all the insured family members share a fixed sum insured amount. The sum insured amount gets depleted every time a family member avails medical services and files a claim. If the amount gets exhausted on one or more members’ claims during the policy term, none of the family members would be able to make a claim till the policy is renewed at the end of the term. However, if you have opted for restore benefit, your sum insured will be restored by 100% upon exhaustion.
Q. Which documents are required to raise a reimbursement claim under family health insurance?
Ans: The following documents are required to be submitted to raise a family health insurance claim:
- Duly filled health insurance claim form
- Policy document
- Hospital discharge report
- Consultation report and investigation results
- Hospital bills
- Bill payment receipts
You can check the complete list of documents by referring to your policy document.
Q. How can I add my family members to the existing family health policy?

Ans: You can add your family members to your existing family health insurance policy at the time of renewal. However, you can’t add dependents in the middle of the policy, except for a newborn baby. You may have to pay an additional premium to add family members to your policy.
Q. Do I need to take a separate health policy if my family and I are already covered in a corporate health policy?

Ans: Yes, we strongly recommend you to buy a standalone health policy, even if you are covered in a corporate health policy. The coverage under the policy may not be enough for your entire family. Besides, your employer will cover your medical costs only as long as you are working in that organization. When you change a job, retire or start something on your own, corporate insurance will cease to exist for you. You and your family will be stranded if a medical emergency arises and you have no other health policy to fall back on. At this point, a separate health insurance policy will come to your rescue.
Q. What happens if the primary insured person dies? Can the family floater policy be renewed by any of the surviving members of the policy?

Ans: Yes, if the primary insured dies or reaches the maximum age of renewability, the other adult member in the policy can continue with the policy and enjoy the continuity benefit. However, they need to inform the insurer to change the proposer of the policy.
Q. Is a family health insurance plan better than an individual health plan?

If you need health insurance for your entire family, buying a family health insurance plan is any day better than buying an individual policy. A health insurance policy for family will cover all the members of your family for a single sum insured and only a single premium needs to be paid to the insurance company.

On the flip side, an individual health plan covers only one person. So, you will need to buy a separate health plan for each family member with a different premium. The combined premium for multiple individual policies will be significantly higher than that of a family health plan.
Q. Is a cashless facility provided under a family health insurance plan?

Yes. All health insurance companies in India provide cashless hospitalization facilities under family health insurance plans. You can check the list of cashless hospitals for your insurer on the website of Policybazaar.com or the insurance company.
Q. Is there any waiting period for family health insurance policies?
Yes. A family health insurance policy may come with several waiting periods depending on the plan. Take a look at them below:
- Pre-existing diseases waiting period of 2 to 4 years
- An initial waiting period of 30 days.
- A waiting period of 1 or 2 years for specific diseases or procedures.
- Maternity cover waiting period of 9 months to 2 years
- A critical illness waiting period of 90 days.
Q. How long can my kid stay on family health insurance?

Most family health insurance plans provide coverage to dependent children up to the age of 25 years. The exit age may vary from one plan to another. Moreover, if the child gets married or starts earning before 25 years of age, he/she will not be eligible for the cover.