Care Health Insurance for Family

Care health insurance policy for family offers comprehensive coverage to people above the age of 18 years on family floater as well as on an individual basis. There is no upper age of enrollment in this family floater Care health insurance policy. In addition to the hospitalization expenses, various add-on covers are available with this mediclaim policy.


Network Hospitals




In-House Claim Settlement


Global Coverage


Claim Settlement Ratio ( 2018-19)


Eligibility Criteria

The minimum enrollment age for this family floater care health insurance policy is 91 days.

Features of Care Family Floater Health Insurance Policy

  • A co-payment of 20% is applicable to applicants above the age of 61 years
  • A higher range of sum insured options from Rs 4 Lakh to Rs 2 Crore
  • Get coverage for self, spouse, parents, and dependent children on floater sum insured basis
  • No-claim-bonus is provided up to a maximum of 150% of the SI

Inclusions of Care Family Floater Health Insurance Policy

  • In-patient hospitalization up to the sum insured limit
  • Coverage to all the daycare treatments
  • Pre-hospitalization expenses up to 30 days and post-hospitalization expenses up to 90 days
  • Domiciliary Treatment cover is provided up to 10% of the SI limit
  • Ambulance Cover up to Rs. 3,000 per hospitalization
  • Organ donor expenses are covered up to Rs 5 Lakh, depending on the sum insured opted
  • Second Medical Opinion cover is available in all the sum insured options

Add-on Covers

  • International Second Opinion Cover
  • No-claim-bonus Super
  • Global Coverage
  • Reduction of Pre-existing disease waiting period from 48 months to 24 months
  • Unlimited recharge of sum insured multiple times

Exclusions of Care Family Floater Health Insurance Policy

  • Pre-existing diseases will be covered after completion of 48 months of the waiting period
  • Any disease or illness that is diagnosed in the first 30 days from the inception (unless it is an
  • accidental injury)
  • Specific illnesses joint replacement, arthritis etc. will not be covered before 2 years of the policy period
  • Treatment for HIV/AIDS shall not be covered
  • Consumption of alcohol, drugs and any other form of intoxication shall not be included
  • Pregnancy-related complications
  • Dental treatment
  • Congenital external diseases
  • Mental disorders and treatment for depression, anxiety etc.

To know more about Care health insurance for family you can speak to our medical insurance customer care team and select a mediclaim policy that your family might need right now.

Written By: PolicyBazaar - Updated: 06 October 2020
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