Health Insurance Plans for Family

Health insurance plans for family provides comprehensive coverage to your entire family against planned and emergency medical expenses on a floater sum insured basis. It covers you, your spouse, children, parents, parents-in-law, grandparents and other family members under a single policy. A family health insurance plan ensures the financial security of your family so that you can afford the best medical care today with the cashless everywhere facility and quick claim settlement.

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      What is Family Health Insurance?

      Family health insurance is a kind of medical insurance plan that covers all your family members in a single health insurance policy. Under a family 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, preventive health check-ups, ambulance cover, day care treatments and pre & post-hospitalization cover.

      List of Family Health Insurance Plans in India 2024

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

      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-ups
      • Maternity expenses
      • Bariatric surgery cover
      Care Health Insurance Plan 1 lakh to 6 crore
      • Maternity cover
      • In-patient-hospitalization expenses
      • Organ donor expenses
      • Daily allowance
      • Annual health check-up
      Cholamandalam Healthline Insurance Plan 1 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 Optima Secure Plan 5 lakh to 2 crore
      • Home health care treatment
      • AYUSH treatment
      • In-patient hospitalization expenses
      • Non-medical expenses cover (Protect benefit)
      • Global health cover
      ICICI Lombard Elevate Plan 5 lakh onwards
      • Listed PED coverage from Day 30 (JumpStart benefit)
      • Maternity benefit
      • Hospitalization expenses
      • Worldwide cover
      • Non-medical expenses cover (Claim Protector benefit)
      IFFCO Tokio Family Health Protector Plan 1.5 lakh to 30 lakh
      • Hospitalization expenses
      • Vaccination expenses
      • Domiciliary hospitalization
      • Daily allowance
      • Emergency assistance services
      Liberty Secure Health Connect Plan 2 lakh to 15 lakh
      • Emergency local road ambulance charges
      • Pre-post hospitalization expenses
      • Hospital daily cash
      • Day care procedures
      • In-patient hospitalization expenses 
      Magma HDI OneHealth Insurance Plan 2 lakh to 3 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 illnesses
      • 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 diseases treatment
      • Mental illness cover
      Niva Bupa Heartbeat Insurance Plan 5 lakh to 1 crore
      • Maternity benefit
      • In-patient care
      • Alternative treatment
      • Mental disorders treatment
      • HIV AIDS treatment
      Oriental Happy Family Floater Policy 1 lakh to 50 lakh
      • Maternity expenses
      • Pre-post hospitalization cover
      • Mental Illness Cover
      • Domiciliary hospitalization
      • OPD cover for dental and ophthalmic treatments
      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
      • Health Multiplier benefit for 37 serious illnesses
      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 3 Crore
      • 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 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
      Zurich Kotak 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
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      *Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

      You May Also Like to Read: Types of Health Insurance

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      Benefits of Buying Health Insurance Plans for Family

      One of the several benefits of buying family floater health insurance plans is that you can get coverage for all your family members under a single policy, irrespective of their ages. Here is a quick rundown of some other 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. Moreover, you do not have to take 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 hospital of your choice, just like in individual health plans. The insurance company pays all the medical bills once the treatment is complete. In this way, you can ensure the best medical treatment for all your family members without the stress of paying the hospital bills or compromising on their treatment.

      3. Financially Preparedness for Family Medical Emergencies

      Anyone in your family can get sick without any warning. Besides, healthcare facilities are skyrocketing in India with the rising medical inflation. Having a health insurance policy for your entire family can keep you financially prepared for any medical emergencies faced by any family member. Besides, you will be able to afford quality treatment at the right time without exhausting your savings.

      4. Affordable Premium

      Family floater health plans are more affordable than individual health plans as they do not require you to pay separate premiums for all the family members. Even if you opt for a higher sum insured, the premiums will be more economical than buying individual health insurance plans for all family members. Thus, you can cover yourself, your spouse, children, parents and other family members under the same plan at an affordable premium. However, buying an individual health cover for your parents is advisable as their age-related health issues may increase your premium.

      5. Insure New Family Members Easily

      In family health insurance plans, you can add a new family member, like your spouse or newborn baby, easily on the payment of an extra premium. Unlike an individual cover, you do not need to take a fresh policy every time there is an addition to your family. However, if you plan to add your parents to an existing family health plan, make sure to increase your sum insured, as they may require regular medical attention.

      6. Insufficient Corporate Policy

      Contrary to popular belief, corporate health insurance provided by employers is not enough to provide comprehensive coverage to your entire family. This is because the sum insured offered by most companies is not more than ₹5 lakh, which is insufficient to cover the whole family’s medical expenses in today’s day and age. Moreover, these policies are only available until you work for your employer. A separate family health plan ensures sufficient medical coverage for you and your family even after leaving your job.

      7. 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 offer coronavirus treatment cover under regular health insurance plans, coronavirus-specific plans, such as ‘Corona Kavach policy’, are also available that cover coronavirus hospitalization costs on a floater sum insured basis.

      8. Tax Benefits on Family Health Insurance Premium

      Under Section 80D of the Income Tax Act, family health insurance premiums are given a tax exemption just like individual policy premiums. Thus, if you are paying the health insurance premium for your family and parents, then you can enjoy tax benefits.

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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 are covered.
      • Pre and Post-Hospitalization Expenses –The medical expenses incurred before hospitalization (medical investigation, tests, etc.) and after discharge (follow-up consultation, etc.) are also covered up to a certain number of days.
      • Maternity Cover – Most family health insurance plans come with maternity insurance that covers pregnancy-related expenses and newborn baby expenses.
      • Organ Donor Expenses – This covers the cost of harvesting a donated organ 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 – This pays for the medical expenses incurred on availing treatment at home on the advice of a doctor.
      • OPD Cover – It covers the cost of availing doctor consultations on an outpatient department basis along with expenses incurred on medicines and diagnostic tests.
      • 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.
      • Consumables Cover – Several family plans also cover the cost of consumables or non-medical items, such as syringes, gowns, cotton, diapers, etc.
      • Health Check-ups – This covers the cost of availing preventive health check-ups at a network provider of the insurance company.
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      *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 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
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      Eligibility Criteria to Buy a Family Health Insurance Plan

      Every family health insurance plan comes with eligibility criteria. Although the eligibility criteria may 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 – No age limit*
      Children – 25 years
      Family Members Covered Self, spouse, dependent children, dependent parents and parents-in-law
      Renewability Lifetime

      *As per the latest IRDAI guidelines, the maximum entry age reference of 65 years for health insurance plans has been removed.

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

      Things to Keep in Mind Before Buying a Family Health Insurance Plan

      There are certain key points that you must know before you buy a family health insurance plan. These points are given below:

      • All health insurance plans for families cover pre-existing diseases (PED) after a waiting period of up to 3 years, as per the latest IRDAI guidelines. In fact, some plans also offer PED coverage from day 1. However, the exact PED waiting period may vary from plan to plan.
      • Family health plans allow you to include new members in the policy at the cost of an additional premium.
      • You must choose to increase the sum insured if you include new family members, especially parents, in the policy to ensure enough coverage for each family member.
      • The policy will no longer cover your dependent child as soon as he/she crosses the maximum age limit for children specified in the policy document.
      • Avoid adding senior citizen parents to 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 family health insurance plans come with lifetime renewability.
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      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:

      Categories Individual Health Insurance Family Health Insurance
      Scope of Coverage It provides coverage for only one person under one policy. Separate policies have to be purchased to cover different family members. It covers all the members of a family under a single policy.
      Sum Insured Only one person can use the entire sum insured. All insured family members can share a single sum insured on a floater basis.
      Premiums It can be expensive as separate policies have to bought for each family member. It is more affordable than buying individual plans from each family member.
      Coverage Offered It offers extensive coverage to individuals as they have their own sum insured. The coverage may be limited as all family members share a common sum insured.
      Ease in Renewal Renewing multiple individual health policies for each family member can be a hassle, as you have to remember the renewal dates for all plans. Renewing a family health plan is hassle-free, as you have to remember the renewal date of only one policy to ensure coverage for your entire family.
      Focus In case of individual health insurance plans, people should focus more on the coverage available. In case of family health insurance plans, people should focus more on the sum insured.
      Ideal For It is ideal for senior citizens who need the entire sum insured for their age-related issues. It is ideal for families with all members below 60 years as they are less likely to raise claims regularly.

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      How to Choose a Good Health Insurance Plan for Family in India?

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

      • 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.

      • 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.

      • 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.

      • 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.

      • 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.

      • 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.

      • 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.

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      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.

      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

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      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.
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      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.

      FAQs

      • Q. How does a family health insurance plan work?

        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 the restore benefit, your sum insured will be restored by 100% upon exhaustion.

      • 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 cannot add dependents in the middle of the policy, except for a newborn baby. Moreover, you may have to pay an additional premium to add family members to your ongoing policy.

      • Q. Do I need to take a separate health policy if my family and I are already covered by 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. This is because the coverage under your corporate 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 your own business, your corporate insurance policy will cease to exist for you. As a result, you and your family will be left stranded if a medical emergency arises and you have no other health policy to fall back on.
        Therefore, you must buy a separate family health insurance policy so that it can come to your rescue in such situations.

      • Q. What happens if the primary insured member dies? Can the family floater policy be renewed by the surviving members of the policy?

        Ans: Yes, if the primary insured dies or reaches the maximum age of renewability, the other adult insured members 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 plan is any day better than buying an individual policy. A family health policy 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. Besides, it will be a hassle to remember the renewal dates of multiple health plans and renew them on time.

      • 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. In fact, you can avail cashless treatment at any hospital of your choice with the cashless everywhere facility.

      • 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 some of them below:

        • Pre-existing diseases waiting period of 1 to 3 years
        • Initial waiting period of 30 days
        • Specific diseases or procedures waiting period of 1, 2 or 3 years
        • Maternity cover waiting period of 3 months to 4 years
        • Critical illness waiting period of 90 days
      • Q. How long can my kid stay on my family health insurance policy?

        Most family health insurance plans provide coverage to dependent children up to the age of 25 years. Once the child attains the exit age, he will have to be added to your family policy as an adult member on payment of an extra premium. However, the exit age may vary from one plan to another. Moreover, if your child gets married or starts earning before turning 25 years old, he/she will not be eligible for the cover.

      • Q. What is health insurance for families?

        Health insurance for families provides medical coverage to the entire family under a single policy. Known as family health insurance, it covers all the members of the family with a single sum insured on a floater basis. Most of these plans provide coverage for self, spouse, dependent children and dependent parents. However, some family health plans may also extend coverage to parents-in-law, grandparents, siblings, nephews and nieces.

      • Q. What is a family floater health insurance plan?

        Family floater health insurance plans cover all the members of a family under a single sum insured amount. In this policy, the same sum insured amount is shared by all the family members on a floater sum insured basis.

      • Q. What is the age limit for taking a family health insurance policy?

        Most insurance companies offer family health insurance plans to people between the ages of 18 years and 65 years. But with latest IRDAI guidelines, family health plans will also be available to people beyond 65 years. Most insurers also cover children between 91 days to 25 years under these family plans.

      • Q. Does health insurance for family cover pre-existing conditions?

        Yes. All family health insurance plans cover pre-existing conditions but after a waiting period of up to 3 years. However, several health plans now offer PED coverage for listed diseases from day 1 of the policy.

      • Q. Will my family health insurance policy pay for maternity expenses?

        Your family health insurance plan will pay for your maternity expenses only if it offers a maternity benefit. Most insurers provide maternity benefits as a rider or optional cover if not built into the policy.

      • Q. Which company is best for family health insurance?

        No single insurance company is good for everyone who wants to buy a family health insurance policy. All health insurance companies offer various family health plans that vary in terms of coverage and benefits. Since every family has different health needs, no single policy perfectly fits everyone. Hence, you must compare various family floater health insurance plans online on Policybazaar.com to find the most suitable plan for your family’s needs.

      • Q. How much family health insurance cost in India?

        The cost of family health insurance in India for a family of four can cost you anywhere between ₹7,000 to ₹50,000, depending on the sum insured, city of residence, age and medical history of the family members.

      • Q. How do I purchase health insurance for my family?

        You can purchase a health insurance policy for your family by visiting the website of the insurance company or getting in touch with their customer support team. Alternatively, you can buy a family health insurance plan online on Policybazaar.com by comparing different plans and paying premiums for the plan that suits your family.

      • Q. What is the average cost of health insurance for family of 4?

        The average cost of health insurance for family of 4 is ₹7,000 to ₹50,000 per year, depending on the age of the family members, their medical history, the policy sum insured, and the city of residence.

      • Q. How much does family health insurance cost per month?

        Family health insurance plans prices range from ₹630 to ₹4100 per month. However, the cost may vary from one plan to another based on the sum insured, age of the family members, city of residence and health condition of all the family members to be covered.

      • Q. How can I increase my family health insurance cover at the lowest price?

        To increase the coverage of your family health insurance policy at the lowest price, compare different plans online on Policybazaar.com. You can analyze your current plan and check for plans that offer higher coverage for the lowest premium. You can also opt for voluntary deductibles and discounts to lower your premiums.

      • Q. How much does family health insurance cost for the self-employed?

        The cost of family health insurance for self-employed may range from ₹20,000 to ₹75,000 per annum. However, the price may differ from plan to plan depending on the age of the family members to be insured, their health conditions, city of residence, sum insured amount, etc.

      • Q. Which health insurance is best for a middle-class family?

        Middle-class families must go for a health insurance policy that covers the entire family for an affordable premium. They should go for plans that offer essential coverage, such as hospitalization expenses, ambulance charges, consumables covers, day care procedures, etc., without attracting a high premium. Moreover, they should opt for plans with restoration benefits and renewal benefits, including no claim bonus and wellness/fitness discounts.

      • Q. How much will a ₹10 lakh health insurance plan cost for a family of 4?

        The cost of ₹10 lakh health insurance for a family of 4 ranges from ₹10,000 to ₹40,000 per annum. However, the price may vary as per the age, city and medical condition of the family members to be insured.

      • Q. Is 2 lakh health insurance enough for a family?

        No. Considering the rising medical inflation in India, especially in metro cities, healthcare facilities are touching the sky. For instance, the average cost of a heart surgery in India ranges from ₹60,000 to ₹8,00,000, depending on the type of surgery and several other factors. A small sum insured of ₹2 lakh will be insufficient to cover a single family member, let alone the entire family. Therefore, families should opt for a health insurance policy of at least ₹30 lakh in tier-1 cities, ₹20 lakh in tier-2 and ₹10 lakh in tier-3 cities.

      • Q. What is the maximum mediclaim limit for family health insurance?

        The maximum mediclaim limit for a family health insurance plan is up to the sum insured limit. However, some family plans may come with sub-limits, restricting the coverage for up to a fixed percentage of the sum insured. Hence, you are advised to check the maximum mediclaim limit by going through the policy documents issued by your insurer.

      • Q. How to choose a health insurance plan for a family in India?

        You can choose a family health insurance plan in India by keeping the following things in mind:

        • Choose a sum insured which is sufficient to cover the medical expenses of the entire family
        • Check the entry age limit to see if all the members of your family can be covered in the policy
        • Choose a plan with the restoration of sum insured benefit to restore your coverage amount on partial or full exhaustion
        • Compare different family health plans to find out the plan that offers your desired coverage at most affordable price
      • Q. Which ₹1 crore policy is the best health insurance for a family?

        No single family health policy of ₹1 crore is suitable for all families across India. The health needs of all families vary and the same plan may not be ideal for everyone. However, the most suitable ₹1 crore health insurance policy for a family is the one that offers extensive coverage for all the health needs of the family for an affordable premium.

      • Q. Which are the best health insurance plans for a family?

        The best health insurance plan for a family is the one that offers comprehensive coverage at affordable premiums and has a wide range of network hospitals where cashless treatments can be availed. Thus, you are advised to compare multiple health insurance plans online on Policybazaar.com to find the best cashless health insurance plans for your family.

      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
      Average Rating
      (Based on 517 Reviews)

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      Family Health Insurance Reviews & Ratings
      4.6 / 5 (Based on 517 Reviews)
      (Showing Newest 10 reviews)
      Heti
      Lucknow, December 20, 2021
      Good service
      Thankfully I had taken the family health insurance from Policybazaar. a while back, I had to admitted my sister to the hospital due to some medical problem. I got faster claim settlement. I did not have to pay any hospital charges. thanks to Policybazaar for giving me good service.
      Raman
      Kanpur, December 20, 2021
      High coverage
      I am glad that i got such unique features under the family health insurance which i have taken from Policybazaar. i have secured my family from unplanned events. from now on i do not have to bear financial burden of medical expenses as i have got coverage against medical expenses under my family health insurance.
      Kuljeet
      Kanpur, December 20, 2021
      Good plan
      A friend of mine suggested me to insure my family by taking family health insurance. He said that he has been using health insurance for three years which he had taken from Policybazaar and he never had any problem with his insurance provider company. On his suggestion, I took family health insurance from Policybazaar.
      Ayesha
      Solapur, October 26, 2021
      High coverage
      I have secured my family with the help of family health insurance which i have purchased from Policybazaar. In my health plan, i have got coverage for medical expenses. From now on i do not have to bear financial burden as my policy will give me financial protection.
      Tejas
      Chandigarh, October 26, 2021
      Affordable plan
      I was looking for family health insurance for a long time. I searched a lot on Google and finally found the website of policybazaar. Here i got family health insurance according to my budget and needs. I really liked the service provided by the Policybazaar.
      Bahaar
      Hubli And Dharwad, October 26, 2021
      Good in customer handling
      Policybazaar is very good in terms of handling customers. I bought family health insurance from Policybazaar and their team maintained professionalism with courteous demeanor which was absolutely impressive. I would definitely like to get in touch with Policybazaar for more plans.
      Devika
      Moradabad, October 26, 2021
      Faster claim settlement
      Thankfully I had taken family health insurance from Policybazaar. a while ago, i had to admitted my father to the hospital due to sudden medical emergency. i had claimed and got the claim very easily and quickly. I got faster claim settlement. I am happy with the service.
      Bhagyashree
      Bareilly, October 26, 2021
      Minimal paperwork
      In my family health insurance, every member of my family are covered. there was minimal and Hassle free paperwork. I got high number of coverage and benefits under my plan. the team of policybazaar guided me and helped me to select the suitable plan.
      Diya
      Karnataka , October 26, 2021
      Premium calculator
      The premium calculator is so helpful that it helped me while buying the health plan for my family. I added additional features under my plan and i wanted to get an idea of total amount after adding more features to the existing plan. after calculation i bought family health insurance from policybazaar.
      Ramesh
      Hyderabad, September 14, 2021
      Low premium
      I have protected myself as well as my family with the help of Family Health Insurance. I got family health insurance at a low premium rate. Thanks to Policybazaar for giving me the plan according to my needs and budget.

      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

      *Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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