Health Insurance Plans for Family

Health Insurance Plans for Family covers the entire family under a fixed sum insured. Under this kind of health insurance, you can cover two or more family members for several healthcare expenses including in-patient hospitalisation expenses, pre-hospitalisation & post-hospitalisation expenses, daycare expenses, etc.

Rs. 5 Lakh cover for family starting at Rs. 276/month* only
  • Tax Benefit
    Up to 75000**
  • Claim Support
    Everyday 10AM-7PM
  • 14 Lac+
    Happy Customers

*Standard Terms and Conditions Apply.

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

Health insurance plans for family are one of the most common types of health insurance plans available in India. These plans cover all the family members under a single premium policy for a fixed sum insured chosen by the proposer. The sum insured can either be divided as per the number of family members, thereby offering all of them the required health insurance coverage in case of a health emergency.

Under family health insurance plans, you can cover a legally wedded spouse, dependent children, parents, parents-in-law, etc., apart from self, on a floater sum insured basis. Simply put, with a family floater health insurance policy, one can claim up to a full sum insured amount, in case of an emergency. However, this would reduce the coverage benefits for other family members. Another highlight of family floater health insurance plans is that most health insurance companies cover you for COVID-19 treatment under these plans. This means that you can now avail of cover for several healthcare expenses arising due to a positive diagnosis of COVID-19 under a new or even existing family health insurance policy.

Best Health Insurance Plans for Family in India for November 2021

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 the factors mentioned above.

Here's Is The List Of The 5 Most Popular Family Health Insurance Plans

Health Insurance Company

Health Insurance Plans

Coverage Benefits

HDFC Ergo General Insurance

Optima Restore

  • In-patient hospitalisation expenses
  • Pre-hospitalisation expenses
  • Post-hospitalisation expenses
  • Domiciliary hospitalisation expenses

Star Health & Allied Insurance

Family Health Optima

  • In-patient hospitalisation expenses
  • Domiciliary hospitalisation expenses
  • Daycare expenses
  • Air ambulance
  • Pre-hospitalisation and post-hospitalisation expenses

Max Bupa

Reassure

  • In-patient hospitalisation expenses
  • Pre-hospitalisation and post-hospitalisation expenses
  • Organ donor expenses
  • Daycare expenses
  • Emergency road ambulance

Care Health Insurance

Care

  • In-patient hospitalisation expenses
  • Pre-hospitalisation and post-hospitalisation expenses
  • Domiciliary hospitalisation expenses
  • Organ donor expenses
  • AYUSH treatments

ICICI Lombard Health Insurance

Complete Health Insurance

  • Daycare expenses
  • Pre-hospitalisation and post-hospitalisation expenses
  • In-patient hospitalisation expenses
  • Free health check-up

Benefits of Family Health Insurance Plan

Buying a mediclaim policy for the family can benefit you in multiple ways. Following are the benefits which are available health insurance for your family:

  1. Stress-Free Hospitalisation: Family health insurance plans keep you at ease as they do not involve the tedious task of purchasing separate health insurance plans for every family member on an individual basis. Also, it trims down the headache of paying separate health insurance premiums in order to cover every family member. At the time of hospitalisation, the insured individual can avail cashless treatment at a network hospital as in the case of individual health insurance policies. This way, you can enjoy stress-free cover for all of your loved ones without having to compromise with the treatment.
  2. Easy to Add New Family Members: Under the family mediclaim policy, you can easily add a new family member, which is not the case in an individual health insurance policy. In an individual health insurance policy, you are required to get a new policy whenever there is an addition in the family. But while adding new family members to the existing health insurance policy, you must always consider increasing the sum insured amount in order to get sufficient coverage for all. Also, in the case when the eldest family member is no more, then the other insured family members can avail the coverage benefits. This can be considered as one of the most amazing benefits of family health insurance plans.
  3. Affordable Medical Insurance Premiums: It is now clear that you are not required to pay individual premiums for all the family members under a family health insurance policy. This means you can enjoy health insurance cover for self, spouse, child, and your parents under a single policy at an affordable premium.
  4. Health Insurance Cover for Parents Under the Same Policy: One of the major benefits of having a family health insurance policy is that you can add your as well as your spouse’s parents under a single policy. Otherwise, you can even get individual health insurance plans for dependent parents or in-laws by paying an extra premium.
  5. Cover For Coronavirus Disease For Family: You can purchase family health insurance plans that cover you and your family against the healthcare expenses related to COVID-19. There are multiple health insurance companies in the market that offer coronavirus health insurance such as Corona Rakshak Policy and Corona Kavach Policy. These short-term policies come at affordable premiums and cover protection to your entire family. Corona Kavach Policy covers you against hospitalisation expenses incurred due to positive diagnosis of COVID-19, ICU expenses, PPE kits, doctor’s fee, etc. In case you wish to purchase a separate health insurance policy for every family member, then you can go for Corona Rakshak Policy. You can also ask your existing health insurance company to offer cover against the expenses related to COVID-19 treatment.
  6. Tax Benefits Under Section 80D of the Income Tax Act 1961: Apart from the several coverage benefits, you can also avail tax benefits on the premium paid under Section 80D of the Income Tax Act, 1961.
  7. Lower Dependency on Group Plans: Many organisations offer health insurance plans to their employees as perks of joining their companies. However, not every time the coverage offered under these plans is sufficient for you and your family. Hence, buying a separate health insurance policy, in this case, can be fruitful as it offers comprehensive coverage and keeps you protected at all times. Also, health insurance coverage provided by an employer is valid until you leave that organisation, after which, you will not be offered any coverage. Hence, it is a wise option to go for a family health insurance policy.
  8. Keeps You Prepared For All Emergencies: Family health insurance plans offer you much-needed protection at all times, thereby keeping you prepared for emergencies.
  9. Comprehensive Coverage: There are several comprehensive family health insurance plans in the market that keep you covered at all times. These plans offer sufficient coverage to you and your family members as per their requirements.

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

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

In general, family floater plans allow coverage for individuals, 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.

Key Factors To Consider While Purchasing Mediclaim Policy for Family

Following are the factors which you should consider while purchasing a family health insurance plan:

  1. Coverage benefits: One of the most important factors to consider when buying family health insurance plans is to check the coverage benefits. Usually, family health insurance plans cover you for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, domiciliary hospitalisation expenses, organ donor expenses, and road ambulance expenses. You can look for other coverage benefits also such as restoration benefit, lifetime renewability benefit, tax benefits, etc.
  2. Flexibility to increase sum insured option under your policy: The cost of medical treatments do not remain the same. Hence, you should look for a family health insurance policy that offers you the flexibility to increase your sum insured at the time of renewal. Some health insurance companies offer you an increment in sum insured as a reward if you have not made any claim in the previous year.
  3. Cashless hospitalisation: Cashless hospitalisation benefit keeps you stress-free as you do not have to manage funds at the last minute, in order to get the required treatment. So, when choosing a family health insurance policy, make sure that the insurance company has tie-ups with enough network hospitals and offers cashless treatment in them. Also, it is recommended to shortlist a few nearby your residence so that you do not waste time in case an emergency arises.
  4. Maximum renewability age: Generally, family health insurance plans come with lifetime renewability benefits. But some health insurance companies restrict the renewability age to 60-65 years. It is important to make a decision after considering this factor as it will help you stay protected in times when you need it the most, i.e. old age.
  5. Hassle-free claim settlement process: Although the claim settlement process of every health insurance company is the same, it is still important to check if the insurance company that you are about to choose offers a smooth claim settlement ratio or not. To ensure this, you can check the reviews of people already insured under the policy, at InsuranceDekho. Also, you can check the Claim Settlement Ratio of the insurer for previous years.
  6. Exclusions under the policy: As important it is to check the inclusions under a health insurance policy, equally important it is to check the exclusions under it. Make sure you opt for a policy with minimum exclusions so that you can enjoy wide coverage.

Inclusions Under Family Floater Health Insurance Plans

Generally, family floater health insurance plans cover you for the following healthcare expenses:

  • In-patient hospitalisation expenses: These are the expenses that arise due to hospitalisation for at least 24 continuous hours.
  • Pre-hospitalisation and post-hospitalisation expenses: These are the expenses that incur before and after hospitalisation, such as x-ray, doctor’s consultation, etc.
  • Daycare expenses: Daycare procedures are those which do not require hospitalisation of at least 24 hours. For instance, balloon sinuplasty, radiotherapy, chemotherapy, etc.
  • Road ambulance expenses: These are the expenses incurred on road ambulance, in transporting the patient to the nearest hospital.
  • Organ donor expenses: Many health insurance plans for families also cover you for expenses incurred on organ harvesting.

Exclusions Under Family Floater Health Insurance Plans

Generally, family floater health insurance plans do not cover you for the following healthcare expenses:

  • Waiting period: Every health insurance policy for families comes with an initial waiting period, during which no claims will be approved. Other waiting periods are for pre-existing illnesses, specific illnesses, etc., for which the insured is not covered, for a specific period of time.
  • Expenses incurred due to participation in adventure sports: Health insurance plans for families do not cover you for expenses incurred due to participation in adventure sports such as rock climbing, parasailing, etc.
  • HIV/AIDS: Mostly, expenses incurred due to HIV/AIDS or related treatments are not covered under family health insurance plans.
  • Intake or abuse of tobacco: Any illness or injury arising due to consumption of abuse of tobacco, intoxicating drugs or hallucinogens are not covered under these plans.
  • Self-inflicted injury: Any expenses arising due to an act of self-harm like suicide is not covered under these plans.

How to Buy a Family Health Insurance Plan At InsuranceDekho?

InsuranceDekho offers you a wide range of family health insurance plans. You can buy the plans either online or offline. To buy these plans online, you are required to follow easy steps given below:

  1. Visit insurancedekho.com and click on the ‘health’ tab.
  2. Enter personal details like gender, name, and mobile number. You will receive a One Time Password (OTP) on that number. Kindly enter that.
  3. Answer the question ‘When do you want to buy the policy’ from the options in the drop-down menu. Click on ‘View Quotes’.
  4. Select the family member(s) you want to include in your family health insurance policy. Then click on the ‘Continue’ button.
  5. Enter the age of the selected family member(s).
  6. Enter your Email ID and then your City. Click on ‘Submit and View Quotes’. Top family health insurance plans as per your requirement will be displayed on your screen. Select the most suitable one from them according to your budget and other requirements.
  7. Select the policy term for the shortlisted plan and make the payment via secured payment gateway.
  8. To buy family health insurance plans offline, you can contact the customer care executives at InsuranceDekho n the toll-free number 7551196989 and share your requirements. They will help you buy the most affordable plan within a few minutes.
  9. You may also mail us at customersupport [at] insurancedekho.com in case further support is required.

Top Reasons to Buy Family Health Insurance Plans Online

Buying a reliable family health insurance policy online offers you several other advantages apart from the coverage benefits, as compared to buying the policy in an offline mode. Read below the reasons that make buying a health insurance policy online a great deal:

  1. Utmost Convenience: Buying a family health insurance policy online is very convenient. The online process allows you to compare or buy the most suitable policy anytime, anywhere, without any help. Apart from this, you are not even required to fill different forms or stand in long queues to own a policy. If you buy a family health insurance policy online at InsuranceDekho, it will take you just 5 minutes, which means you can save ample time in this case, as compared to the offline mode.
  2. Instant Quotes: To be able to buy a family health insurance policy online, all you need to do is fill a quote at InsuranceDekho. After that, you will see the most suitable policies on your screen. From them, you can choose the best one as per your requirements and pay the premium to own the policy. The process takes just a few minutes.
  3. Flexible-Premium Payment Modes: When buying family health insurance plans online, you are offered several premium payment modes, which you can choose at your convenience. For instance, at InsuranceDekho, you can pay the premium via Debit card, Credit card, or e-wallets as per your choice. Rest assured, you will be provided with a secured payment gateway.
  4. Instant Policy Issuance: When buying family health insurance policies online, the policies are issued instantly to the policy buyers. Unlike now, previously the policy buyers had to wait for weeks to get the policy documents. Also, now the policy documents are shared via email which makes the process even more convenient and hassle-free.
  5. Easy Access to Services: Keeping a track of the policy benefits is easier when done online. It helps you keep your policy documents handy as well as help you avail the after sales-services online. You can also raise a claim online by downloading a mobile application.
  6. Absolute Transparency: Online health insurance buying process offers you absolute transparency. It allows you to book an online consultation, calculate BMI, or monitor calorie intake, all via a mobile application.

Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

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Disclaimer : Actual Coverage might vary basis your location, age and number of members

Health Insurance Calculator

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Health Insurance Coverage Calculator

Who do you want to insured ?

  • Individual
  • Couple
  • Family
  • Parents

Age of eldest insured member ?

Where do you live ?

Metro
Non-Metro
Disclaimer : Actual Coverage might vary basis your location, age and number of members

FAQ About Family Health Insurance

  • What is health insurance for family?

    Family health insurance plans are those which provide medical insurance coverage to the entire family in case of an emergency. These policies cover the entire family under single sum insured. Family health insurance plans work out more effectively in terms of cost as compared to buying individual health insurance plans separately for all family members.

  • What are the benefits of health insurance plans for family?

    Health insurance plans for family offer you the following benefits:

    • These plans come at affordable premiums
    • Cover the entire family under single policy 
    • Tax benefits under Section 80D of the Income Tax Act, 1961
    • Can enjoy comprehensive cover
    • Maternity cover 
    • High coverage for every family member
    • Easy addition of new family members
  • Which is the best family health insurance in India?

    There are several family health insurance plans in the market that offer wide coverage to the insured. Some popular ones include Star Family Health Optima plan, Royal Sundaram Family Plus policy, Universal Sompo Complete Healthcare Insurance policy, and Digit Health Plus policy.

  • How much does health insurance cost for a family?

    Premiums for family health insurance plans differ from insurer to insurer. At InsuranceDekho, you can buy health insurance plans for families at affordable premiums.

  • Is the cashless facility provided under a family health insurance plan?

    Yes. You can avail cashless as well as reimbursement treatment under family health insurance plans.

  • Is there any waiting period for family health insurance policies?

    Yes. Family health insurance policies come with a specified waiting period which may differ from insurer to insurer. Usually, it is for 30 days, which is calculated from the date of commencement of the policy.

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*Standard T&C Apply. All savings/offers are provided by the Insurers, which are subject to modification .For more details on risk factors, terms and conditions, please read the sales brochure of respective insurers carefully before concluding a sale. Tax benefits are subject to changes in applicable tax laws. Girnar Insurance Brokers Private Limited, (CIN: U66010RJ2016PTC054811, Regd .Off: Girnar 21, Govind Marg, Moti Doongari Road, Dharam Singh Circle, Jaipur, Rajasthan- 302004; Corp. Off: 11th Floor, Tower B, Emaar Digital Greens, Golf Course Extension Road, Sector-61, Gurugram-122102, Haryana. IRDAI License no 588. Direct Broker (Life & General) valid till 19th March 2023. Email - support@insurancedekho.com ; Helpline number: 7551196989.
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