₹5 Lac Health Cover for your Family Starts @ ₹630/month*
Tax Benefit up to Rs.75,000
Save up to 12.5%* on 2 Year Payment Plans
7 Lakh+ Happy Customers

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Family Health Insurance

A family health insurance is a kind of health insurance that covers your family members in a single premium policy under fixed sum insured. Such a health insurance policy for family provides assured coverage to two or more members of a family at the same time, in case they get hospitalized or an ailment is diagnosed.

You can get insurance coverage for self, children, and your spouse on a floater sum insured basis that allows your family members to claim up to the full sum insured amount. The plans can also be customized as per your family’s requirements.

Amid the ongoing pandemic securing your family’s medical needs must be on your top priority. To ensure that your family members get the adequate health insurance cover against the rising medical expenses, health insurance becomes absolute necessity. Nowadays, the coverage is also provided for COVID-19 medical treatment in your existing family floater policy.

However, you can also consider COVID specific medical insurance products like Corona Kavach policy. It covers all the COVID related expenses including hospitalization, home treatment, and Ayush treatment. It also pays for the cost of consumable medical items like PPE kits, gloves, masks, oximeters, ventilators, foot cover, etc.

If you are looking for an adequate health insurance for family, then you can easily compare and find the best family health insurance plans at Policybazaar

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

Benefits of Buying Health Insurance Plans for Family

One of the biggest benefits of family health insurance plans is that it is suitable for bigger families that comprise of children, grandparents etc. There are several other benefits that insured members can avail with family floater health insurance plans. You can get coverage for all the members, irrespective of their age, under a single policy. Here is a quick rundown of the major advantages:

  • Stress-free Hospitalization Expense Cover

    Health insurance plans for family trim down the task of choosing a separate individual health policy for each family member. Also, you don’t have to pay separate premium to get a health cover for each member. In case of hospitalization the insured member can avail cashless treatment in a network hospital just like individual health plans. In this way, you can get all your family members eligible to get medical attention without compromising on the treatment.

  • Insure new family members at ease

    In these health insurance plans, you can add a new family member easily. With an individual cover, a fresh policy needs to be taken each time when there is an addition of a new member to the family. If you add your parents to an existing family health insurance plan, make sure to opt for a higher sum insured. In case the eldest member dies or is no more eligible for the coverage, then the other insured members would continue to get health insurance coverage benefits. This is one of the biggest benefits that a family floater health plan provides.

  • Affordable Premium

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

  • Get Health Insurance Cover for Parents in the same plan

    One of the major benefits is that you can secure the health of your parents and that of your spouse’s parents under one plan. By paying an additional premium it is also possible to get individual health cover for dependent parents or even your in-laws.

  • COVID Health Insurance for Family

    You can buy a Health insurance for Coronavirus to cover yourself and your family members. Almost all the insurance providers are offering coronavirus treatment cover under the basic health insurance plans. Several health insurers have also launched corona specific health insurance policies along with Corona Kavach policy and Corona Rakshak policy. Corona Kavach policy offers coverage on a family floater basis and covers hospitalization cost incurred on the treatment of this deadly virus including the cost of medicines, PPE kits, ICU expenses, doctor fees, and the likewise.

    Corona Rakshak policy also covers COVID treatment but the coverage is provided on individual basis for a minimum 72 hours of hospitalization. If you want to buy a separate policy for each family member then you can also consider Corona Rakshak policy. Or you can check with your insurer if your existing family health insurance covers coronavirus treatment.

  • Option to avail Additional Benefits

    There are various add-on benefits that are available including critical illness cover, maternity cover, etc. For example, young couples can get maternity cover and new-born baby cover. However, this feature is subject to a waiting period clause. Please read your policy documents carefully if you want to buy the best health insurance plans for family with maternity cover.

  • Grab Discounts

    Under health insurance plans for family, you can avail discounts and other perks in form of incentives offered by the policy. This is one of the easiest and simplest ways to protect your family’s health.

  • Tax Benefits on Health Insurance Premium

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

Best Health Insurance Plans for Family in India 2021

To make it easier for you to buy a mediclaim policy for your family, we have listed some of the best family health insurance plans from top health insurance companies in India. You can choose a plan that helps meet your requirements in terms of the sum insured, coverage, age limit, pre & post hospitalization etc.

Insurance Company Family Health Plan Sum Insured(Rs.) Pre & Post Hospitalization Pre-existing Diseases
Aditya Birla Health Insurance Activ Health Platinum
  • 2 lakh - 2 Crores
  • Pre-hospitalization: 60 days
  • Post hospitalization: 90 days
After a waiting period of 48 months
Bajaj Allianz Health Insurance Family Floater Health-Guard
  • 1.5 - 50 Lakh
  • Pre-hospitalization: 60 days
  • Post hospitalization: 90 days
After a waiting period of 48 months
Bharti AXA Health Insurance Smart Super Health Insurance Policy
  • 5 lakhs- 1 Crore
  • Pre-hospitalization: 60 days
  • Post hospitalization: 90 days
After a waiting period of 48 months
Care Health Insurance (Formerly known as Religare Health Insurance) Care Health Care Plan 
  • 3- 6 Crores
  • Pre-hospitalization: 30 days
  • Post hospitalization: 60 days
After a waiting period of 48 months
Chola MS Health Insurance Chola MS Family Healthline Insurance
  • 2- 15 lakhs 
  • Pre-hospitalization: 60 days
  • Post hospitalization: 90 days
After a waiting period of 48 months
Digit Health Insurance Digit Health Insurance Plan
  • 2-25 lakhs
- N/A
Edelweiss Health Insurance Family Floater
  • up to 1 Crore
  • Silver: 30 & 60 days
  • Gold: 60 & 90 days
  • Platinum: 90 & 180 days
Future Generali Health Insurance FutureHealthSurakshaFamilyPlan
  • 5- 10 lakhs
  • Pre-hospitalization: 60 days
  • Post hospitalization: 90 days
After a waiting period of 48 months
IFFCO Tokio Health Insurance Iffco Tokio Family Health Protector Plan
  • 1.5-30 lakhs
  • Pre-hospitalization: 45 days
  • Post hospitalization: 60 days
Kotak Mahindra Health Insurance Family Health Insurance
  • 2-100 lakhs
  • Covered
After a waiting period of 48 months
Liberty Health Insurance Secure Health Connect
  • Secure Basic: 3, 4, 5L
  • Secure Elite: 2, 3, 4, 5, 6, 7.5, 10 L
  • Secure Supreme: 3, 4, 5, 6, 7.5, 10 L
  • Secure Complete: 2, 3, 4, 5, 6, 7.5, 10, 15 L
- -
Max Bupa Health Insurance Heartbeat Family First Health Insurance Plan
  • Silver: 3-15 lakhs
  • Gold: 3-50 lakhs
  • Platinum: 15-50 lakhs
  • Pre hospitalization: 60 Days
  • Post Hospitalization: 90 Days
48 months in the Silver plan24 months in Gold & Platinum
ManipalCigna Health Insurance Family Floater - ProHealth Protect Plan
  • 2.5- 50 lakhs
  • Pre hospitalization: 60 Days
  • Post Hospitalization: 90 Days
After a waiting period of 48 months
National Health Insurance National Insurance Mediclaim Policy
  • 50000- 5 lakhs
  • Pre-hospitalization: 30 days
  • Post hospitalization: 60 days
After a waiting period of 48 months
New India Assurance Health Insurance Family Floater Mediclaim Policy
  • 2- 5 lakhs
  • Pre-hospitalization: 30 days
  • Post hospitalization: 60 days
After a waiting period of 48 months
Oriental Insurance Company Happy Family Floater Policy
  • 1-20 lakhs 
  • Pre-hospitalization: 30 days
  • Post hospitalization: 60 days
After a waiting period of 48 months
Raheja QBE Health Insurance Health QuBE
  • 1-50 lakhs
- -
Royal Sundaram Health Insurance Royal Sundaram Lifeline Health Insurance
  • Classic: 2,3,4 lakhs
  • Supreme:5, 10, 15, 20, & 50 lakhs
  • Elite: 25, 30, 50, 100, & 150 lakhs
  • Classic: 30 & 60 days
  • Supreme: 60 & 90 days
  • Elite: 90 & 180 days
After a waiting period of 24 months
Reliance Health Insurance Reliance HealthWise Plan  
  • 1-5 lakhs
  • Pre-hospitalization: 30 days
  • Post hospitalization: 60 days
After a waiting period of 24 months
Star Health Insurance Star Family Health Optima Plan
  • 1-15 lakhs
  • Pre-hospitalization: 30 days
  • Post hospitalization: 90 days (7% of total expense max up to Rs. 5,000)
After a waiting period of 48 months
SBI Health Insurance SBI Arogya Premier Plan
  • 10 lakhs- 30 lakhs
  • Pre-hospitalization: 60 days
  • Post hospitalization: 90 days
After a waiting period of 48 months
Tata AIG Health Insurance Wellsurance Family Policy
  • 2-4 lakhs
- After a waiting period of 48 months
United India Health Insurance Family Medicare Policy
  • 1-10 lakhs
  • Pre-hospitalization: 30 days
  • Post hospitalization: 60 days subject to max up to 10 % of S.A.
After a waiting period of 24 months
Universal Sompo Health Insurance Complete Healthcare Insurance
  • Basic: 1-2 lakh
  • Essential: 3-5 lakhs
  • Privilege: 6-10 lakhs
  • Pre-hospitalization: 30 days
  • Post hospitalization: 60 days
After a waiting period of 36 months
See More Plans
Disclaimer: *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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. Go through below points to ensure that you buy adequate health insurance cover as per the medical requirements of your loved ones:

  • Coverage under a Family Health Insurance Plan:

    While making a comparison of different family health insurance plans, it is important to make a list of basic health coverage offered under the policy. Almost all health plans offer daycare expenses, in-hospitalization expenses, ambulance charges, etc.

    If you are planning for a child, you should go for a health insurance plan that covers insurance for new-born baby or simply add the baby as beneficiary to your existing family floater health insurance plan.

    Also, the policy comparison should be done keeping in mind your coverage for pre-existing diseases, lifestyle and exclusions during the first 30 days of the policy.

  • Flexibility to Increase the Sum Inured of a Family Floater Health Plan:

    The living costs never remain the same, nor is the cost of medical treatment. Most insurers offer the facility to upgrade the sum insured in the coming years. Sometimes, when you renew timely and have No Claim Bonus the insurance provider company will reward you by increasing the amount of sum insured.

  • Availability of Cashless Hospitalization:

    Nowadays, almost every health insurance company is offering cashless hospitalization in their network hospitals. This makes the hospitalization process seamless and hassle-free. However, it is imperative to cross check the same to ensure that names of good hospitals are included in the list.

  • Ask for the Maximum Renewal Age:

    Many health insurance companies offer policy renewal until 60-65 years. Nowadays, some health insurance companies also offer lifelong renewal facility. Make sure to choose the family floater health plan that would protect you when you need it most.

  • Get Hassle-free Claim Settlement:

    Although all health insurance companies follow the same claim process as directed by the insurance regulator, there might be some differences in aspects of each company's functionality. Before buying any health insurance plan for your family, make a point to explicitly understand the company's claim settlement process. Many companies these days offer cashless hospitalization so no hassle about collecting documents and filling them.

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

Common Exclusions of a Family Floater Health Plan

When buying health insurance for family, you must thoroughly read the policy documents in order to understand the policy exclusions in detail.

Also, make sure to understand different clauses mentioned in the insurance policy like pre-existing diseases, cashless hospitalization, and waiting period, as these terms decide whether you're going to get a claim or not subject to hospitalization.

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, unethical activities, nuclear reaction, rebellion, acts of foreign enemies and similar conditions
  • Pregnancy or childbirth-related complications (unless mentioned in the plan), like voluntary termination of pregnancy, miscarriage or abortion unless it is an ectopic pregnancy
  • Any pre-existing medical condition is not covered until the completion of the waiting period

Is a Family Health Insurance Plan better than an Individual Health Plan?

It's quite difficult to say which type of health insurance plan is better out of a family health plan and an individual health plan unless we compare the coverage provided by both the plans in different practical scenarios.

Health insurance plans for family cover the entire family for a single sum insured and a single premium needs to be paid to the insurance company. In other words, there is only one policy for the entire family, and the premium payment is also a single in a year.

On the flip side, an individual health plan covers only one person and therefore, there has to be a separate health plan for each family member. Since there are multiple policies, the premium payable for each policy will also be different.

If we compare the premiums payable for both these type of health insurance plans, the combined premium payable for multiple individual health plans is significantly higher than that for a family health plan.

Eligibility Criteria to buy Family Health Insurance Plans

A family health plan is more like a group health insurance plan. It allows you to include several members of your family in a single plan for a single sum assured at a single annual premium. If yours is a family of 4 or 6, you can purchase a family health insurance plan and you need not meet specific eligibility criteria.

There are certain key points that you must keep in mind when you're going to buy health insurance for family. These points are given below:

  • It allows 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
  • Choose to increase the sum assured if you include new family members in the policy to ensure enough coverage for an individual 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

In a nutshell, almost any family can choose to buy a health insurance plan within its budget. Also, the premium is lesser than that of the combined premium payable for an individual health plan.

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

How to Buy a New Health Insurance Plan for Family?

If you currently have a health insurance plan and you want to include your family members in it, ask your insurer about the same. However, if you're new to insurance and want to buy an insurance plan to cover your family members, you have various insurers to buy it from.

For your own convenience, you can go online and compare multiple family health insurance plans to buy the best one within your budget. It is advisable not to look for the policy with the least premium, as you cannot compromise on the coverage.

There is no point in buying a health plan with insufficient coverage just because you don't want to pay less, as you might still have to pay for your healthcare expenses from your own pocket. Therefore, make your decision wisely.

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

How to File Claim for a Family Health Insurance Plan?

You can file a health insurance claim in two ways and the procedure is given below:

For cashless request for pre-authorization, follow the below mentioned process:

  • Email or fax the pre-authorization form, which you can find at the TPA or insurance desk of the hospital. You can download it from the insurer’s site as well.
  • Submit all the documents such as discharge letter, medical reports, diagnostic reports, bills, etc.
  • The claim management team 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

Re-imbursement claim process is as follows:

  • Submit the claim form along with other required documents as mentioned at the time of policy purchase
  • You need to address the queries raised by the claim management team of the insurance company
  • Either you will receive a letter of approval or rejection after submitting the form

Why Buy Family Health Plan Online from Policybazaar?

There is no dearth of Mediclaim policies in India and buying a one is a difficult task. Save your time and energy by comparing different family health insurance plans at Policybazaar as quotes from all leading insurers are available on one single platform. When you buy online you will get transparent dealing, correct recommendations and hassle-free buying. Make an informed choice by comparing the policies side by side!


  • Q.1 What is a Family health insurance plan?

    Ans: A family health insurance plan covers all the family members under one single plan. The sum insured is fixed and gets exhausted as and when any member avails medical services and makes a claim. The members covered under a family floater can be the policyholder and his/her parents, spouse and children.
  • Q.2 Why family health insurance plans?

    Ans: Buying a family floater proves to be cheaper than buying individual policies. Besides, a floater provides for adding the immediate family members such as newborn baby and spouse in the cover, without any hassle.
  • Q.3 How does Family health insurance plan works?

    Ans: The sum insured in a family floater plan is fixed for a policy term and gets depleted, as and when any member avails medical services and files a claim. If it gets exhausted on one member during the policy term, any other member would not be able to make a claim till the policy is renewed at the end of the term.
  • Q.4 Documents Required (if any)

    Ans: Age Proof, identity proof and address proof of all the insured members. Income proof of the policyholder, and duly filled proposal form. Some plans may require the insured members to undergo Medical Tests
  • Q.5 How can I add my family members to the existing policy?

    Ans: You can add your family members at the time of renewal of an existing policy. However, you can’t add dependents in a middle of the policy, except newborn baby.
  • Q.6 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 that you buy a standalone health policy, even if you are covered in a corporate health policy. Your employer will cover your medical costs as long as you are working in that organization. When you change a job, retire or start something on your own, the corporate insurance will be rendered useless. You and your family will be stranded if a medical emergency arises and you have no other health policy to fall back on.

    Also, if a company makes sudden changes to its conditions or abruptly stops insurance coverage, you may need to bear all medical costs. At this point of time, a separate health insurance policy will come to your rescue.
  • Q.7 What is family floater insurance plans?

    Ans: Family floater plans provide coverage to the entire family under a single plan. Here the fixed cover is shared by all members of a family. A family floater policy is one of the best options when it comes to protecting the health of your family members. Since it is a policy which covers the entire family, it relieves you from the task of buying separate health policies for each family member and thus, it offers affordability also. Although, family floater plans usually cover the individual, spouse and kids but there are some insurers which are offering a provision to cover dependent parents and in-laws also under family floater.
  • Q.8 In case of family floater health insurance, what happens if the primary insured person dies? Can the 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. Any addition or deletion in the policy can happen only at the time of renewal.
  • Q.9 During the course of treatment can I change my hospital?

    Ans: Yes, you are allowed to change the hospital on the grounds of better treatment and services, but you need to first inform your TPA who will evaluate your case on the basis of policy terms & conditions.
  • Q.10 What happens if I fall sick overseas?

    Ans: There are various health insurance companies like Max Bupa, Care Health, Manipal Cigna, which provide overseas benefits like outpatient treatment, pre-diagnosed planned hospitalization and second medical opinions apart from coverage for sudden sickness during travel. Also, we advise you to opt for a travel insurance plan which provides protection against accidental death, dental expenses, trip cancellation and interruption. It covers hospital bills, emergency evacuation bills along with a long list of other expenditure. Read More
  • Q.11 What are the situations under which cashless hospitalization is denied?

    Ans: You may be denied cashless hospitalization coverage under any of the following conditions- If the information sent to TPA is not complete or there is a discrepancy If the ailment or condition is not covered under the plan If the pre- authorization request is not received in time by TPA In such situations, insured should pay all treatment costs and then later claim for reimbursement.
  • Q.12 How can I check the status of my claim?

    Ans: You can call the helpline number of your TPA or you can also check the status on the official website of your insurance company.
  • Q.13 Can I take multiple health insurance policies? How will I make a claim in that scenario?

    Ans: Yes, you can take multiple health policies from the same company or from different insurance companies, but it is important to inform about the existing policies to the other insurer while buying a policy or at the time of making a claim. Let’s understand the claim procedure by considering different scenarios.
    • Scenario 1: If the insured opts for multiple policies in the same tenure and the claim amount is less than the sum insured, then the policyholder has all rights to choose from which insurer he wants to make a claim. For instance, Mr. Kumar has Rs 4 lakh insurance policy from Insurer X and Rs 2 lakh policy from Insurer Y. The claim amount is Rs 2 lakh. In this case, the insured can choose any insurance company who will be bound to settle the claim as per terms and conditions.
    • Scenario 2: When claim amount is more than the sum assured under a single policy In this case, insured has all rights to choose the insurer who will settle claims. However, if at the time of a claim settlement, insured doesn’t disclose about other policies, then the insurer’s liability is restricted up to the sum assured and the policyholder will have to bear remaining expenses.
    • Scenario 3: Claim under defined benefit policies: If the insured has got defined benefits like critical illness where claim doesn’t have any relation with the treatment cost and the payable amount is fixed, then insured will be entitled to get benefits from all policies. Here the real mantra is to make a claim under the old policies wherein insurance has past the waiting period for a lot of ailments.
Written By: PolicyBazaar - Updated: 23 April 2021
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Average Rating
(Based on 424 Reviews)
Family Health Plan Insurance Reviews & Ratings
4.6 / 5 (Based on 424 Reviews)
(Showing Newest 15 reviews)
Agra, May 13, 2021
Covid family cover
I bought corona kavach policy from their site. The policy is affordable and easy to buy. It covers my whole family under one plan under single premium. Just one call to you guys helped me buy the right insurance.
Delhi, May 13, 2021
Best family plan
Thank you Policybazaar for giving me discount on online purchase. I got Rs 20 lakh family plan and I am happy with it.
Delhi, May 13, 2021
Compare through phone
I compared family health plans from their site. I got the right one I just few minutes. Thank you guys!
Mumbai, May 13, 2021
Quick online purchase
without wasting time these guys helped me buy a star family health insurance plan of Rs 15 lakh. I am very happy.
Rajsthan, May 13, 2021
Safe online payment
while buying health insurance I could pay the premium online using my debit card. So easy!
Ganga Nagar, May 13, 2021
Good after sale
I bought Care family health plan online from their site. I am satisfied with the claim support. Thank you!
Mumbai, May 13, 2021
Claim support
I was in hospital and contacted their claim support team. I am thankful for the quick support. Thanks a lot.
Gurgaon, May 13, 2021
Best family insurance
you can find the best family health plans online on their site. I can search it as per my need and the premium I am able to pay. Loved it.
Gurgaon, May 13, 2021
Best customer service
Whenever in need I can contact Policybazaar for any health insurance related query. Superb!
Rajsthan, May 13, 2021
Digit Family Health Insurance
The policy is quite good; it covered all my insurance needs. Thank you for suggesting it.
Omalur, April 26, 2021
A happy customer
I am a happy and satisfied customer of policybazaar.com because it has shown me one of the best family health insurance plans. The coverage is good and is available at an affordable rate.
Udagamandalam, April 26, 2021
Preferred list of network hospitals
While I was searching for a family health insurance plan, I was not very sure whether some of my preferred hospitals would be on its list. But, when I saw this family health plan through policybazaar.com, I was very happy to find my preferred hospitals on its list. Thanks, team policybazaar.com for showing me this policy.
Gadag, April 26, 2021
Easy renewal process
The policy renewal process through policybazaar.com is very simple and quick. All I did was followed few simple steps as mentioned on their website and my family health insurance policy got renewed.
Odapadaa, April 26, 2021
Suitable insurers
At policybazaar.com, you can see various insurance providers as per your suitability. All you need to do is to provide the list of your requirements and you can see many plans and insurers as per your suitability.
Gadag, April 26, 2021
Claim reimbursement is not a difficult task
Before filing a claim for my wife's treatment, I was not sure about the reimbursement process. But, after that, I am very confident and sure that doing the same through policybazaar.com is very simple and quick. Thanks, team.
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