5 Lac coverage starting from only Rs.276/month*
  • Tax Benefit
    Up to 75000**
  • Claim Support
    Everyday 10AM-7PM
  • 11.5Lac+
    Happy Customers

*Standard Terms and Conditions Apply.

**Tax benefits are subject to changes in Income Tax Act.

Family Health Insurance

A family health insurance or family floater plan is a health insurance plan that provides cover to the entire family rather than just an individual. It acts as an umbrella coverage for all family members, thereby providing all family members with the required financial protection in case of a medical emergency.

Why Should I Buy a Family Health Insurance?

Buying family health insurance can benefit you in multiple ways. Following are the benefits which are available with family health insurance:

Benefits of Family Health Insurance Plan

  1. A single policy for all family members
  2. Affordable as you pay premium for a single premium 
  3. Coverage is available for a wide range of relationships
  4. Easy addition of family members to the policy
  5. Policy benefits for the entire family under a larger common pool 
  6. Discounts available on covering more than 2 family members. This varies from insurance company to insurance company
  7. Tax benefits under Section 80D of the Income Tax Act, 1961

How Many Members Can Be Covered Under Family Health Insurance Plans?

The total number of members covered under family health insurance policy varies from insurance company to insurance company.

In general, family floater plans allow coverage for individual, spouse, and dependent children. Some plans also allow the inclusion of dependent parents.

In addition, there are certain family health insurance plans that offer a provision to cover individual, spouse, dependent children, dependent parents along with relationships like siblings, parents-in-law, grandfather, grandmother, grandson, granddaughter, son-in-law, daughter-in-law, sister-in-law, brother-in-law, nephew, and niece.

Which Are the Best Family Health Insurance Plans?

There are many health insurance companies that provide family floater plans, thereby increasing your choices and sometimes confusion too.

To make the right decision, it is important to compare different policies based on inclusions and exclusions apart from the premium, while keeping your specific requirements in mind.

Key Factors Which You Should Consider While Purchasing A Family Health Plan:

  1. Policy terms and conditions
  2. Pre-hospitalisation & post-hospitalization cover
  3. Waiting period for pre-existing diseases
  4. Maximum age of the policyholder allowed for policy renewal
  5. Sum insured options
  6. Coverage 
  7. The network of hospitals providing cashless claim facility 
  8. Availability of reinstatement of the sum insured benefit 
  9. Availability of additional benefits such as free health checkups, daily hospital cash, no claim bonus, etc.
  10. Sub-limit and co-payment clauses
  11. Premium amount

Insurance Dekho Contact Details

Reach us for help anytime

Health Companies User Reviews

What users are saying
  • Super

    Very fast claim settlement.

    Read More
    A
    Star
    By Aakash Sharma
    On: September 26, 2020
  • Service part is best

    Best service and best plans with a reasonable premium. I liked it a lot. 

    Read More
    A
    Aditya Birla
    By Ankit
    On: September 12, 2020
  • Best health insurance

    Reliable & Trustworthy! Iffco Tokio is reliable and trustworthy. I have taken its Individual Health Protec...

    Read More
    K
    IFFCO Tokio
    By KIRIT NAKAR
    On: August 31, 2020
  • Good

    Very good policy.

    Read More
    A
    ICICI Lombard
    By Ashvajit Bhupal Patil
    On: August 26, 2020
  • Good

    Very good services. 

    Read More
    R
    ICICI Lombard
    By Ramya
    On: August 25, 2020
  • Great service

    Quick processing. Great response. Immediate disbursement of claim.

    Read More
    R
    Royal Sundaram
    By Ravindra
    On: August 15, 2020
  • Claim settlement

    Excellent service

    Read More
    G
    HDFC ERGO General
    By Girish Patel
    On: August 10, 2020
  • Suraksha

    Good health insurance policy.

    Read More
    U
    SBI
    By Umesh Mahale
    On: August 05, 2020
  • Prasad

    Excellent policy.

    Read More
    K
    HDFC ERGO
    By Konalaprasad
    On: August 02, 2020
  • Good Policy

    Bills all claimed properly from Manipal.

    Read More
    V
    ManipalCigna
    By Venkateswara Reddy
    On: July 30, 2020

Latest Health Insurance Articles