Save tax up to ₹75,000~ u/s 80D
Family health insurance is a single plan that helps pay medical bills for your whole family—like your spouse, children, parents, or in-laws. It offers financial protection during medical emergencies, and usually costs less per person than separate plans.
Reasons to Choose Care Health Insurance?
Money Back
Unlimited Automatic Recharge
Infinity Bonus
Unlimited E-consultation
Family health insurance provides financial security against unforeseen medical emergencies and illnesses for your family. Under family health insurance plans, the policyholder can cover themselves, their parents, spouse, dependent children, and elders by paying a standard premium. Any insured family member can use the sum insured entirely or partly to pay hospitalisation expenses and other medical costs.
The Comprehensive Annual Modular Survey (CAMS) from the NSS 79th round (2022-23) reveals that 61.5% of urban households and 59.9% of rural households in the country have at least one member with health coverage.
With our medical insurance plans for family, you can cover all family members under one plan, simplifying your healthcare management. That’s how health insurance for families offers a protective shield to all your loved ones under one financial umbrella.
Choosing a cost-effective family health insurance plan simplifies healthcare management protection compared to multiple individual policies. At Care Health Insurance, we meet the diverse healthcare needs of every household with some of our best family health insurance plans in India. Here are some of our top-selling the best medical insurance for family:
Rather than buying multiple individual health insurance policies, securing your loved ones under an unmatched family health insurance plan can save you the stress of paying multiple premiums and choosing various policies. Here are a few things that a mediclaim insurance policy for a family offers:
Shield Against Healthcare Inflation
Even a single hospital stay can cost lakhs and drain your household savings. A health insurance with family coverage lowers the financial burden by covering medical treatment, doctor’s consultations, medications, etc.
Protection From Lifestyle Diseases
Lifestyle diseases are the new normal. However, benefits such as annual health check-ups can prevent the worsening of issues and keep you and your loved ones safe.
Affordable Healthcare & Financial Security
Getting a medical insurance for family at an early age saves you from hefty medical bills while lowering the premium rates. The EMI option makes premium payments more accessible and budget-friendly.
Facilitates Cashless Hospitalisation
In the face of a constant financial crunch, medical bills are best paid through a cashless facility under optimum medical insurance for family. Especially when living with a family, cashless claims help you focus on recovery.
Relief Amid Chronic Illnesses
Over 20% of Indians suffer from chronic conditions like cancer, heart ailments, diabetes, etc. Family health insurance coverage helps you bear the treatment costs of prolonged illnesses and treatments.
A comprehensive family health insurance plan provides coverage for your family members under a single policy, rather than purchasing separate plans for each of them.A family health insurance plan is a shared wallet for health expenses. Finding the best health insurance policy for family means choosing a plan that balances coverage, cost, and convenience.
There is a single Sum Insured for all, which is shared by all insured family members. You get one combined Sum Insured that all members can use, based on who needs it and when.Our flexible family health insurance plans allow you to customise features and add a newborn or spouse to the policy It’s practical, flexible, and usually more affordable under a good mediclaim for the family.
Example
Let’s say a family of four (two adults and two children) buys a health insurance policy with a Sum Insured of ₹10 lakh. A few months into the policy year, one adult is hospitalised and the treatment costs ₹3 lakh. The policy covers the expense, and the remaining coverage is now ₹7 lakh.
Later in the same year, one child needed medical care costing ₹2 lakh. This is again covered under the same policy, and now the balance Sum Insured is ₹5 lakh. The remaining ₹5 lakh can be used by any of the insured family members if any health issue arises within the same policy year.
You pay one premium annually (or in EMIs), which is lower than buying individual policies for each person. Read the waiting periods & exclusions carefully, and renew the policy on time to avoid losing benefits.
Secure Your Family’s Wellbeing with Advanced Health Coverage When it comes to protecting your loved ones, opt for health insurance for family that offers more than just basic coverage. Care Supreme and Ultimate Care are advanced family health insurance solutions that combine wide-ranging benefits with smart savings and wellness support. Discover what sets these plans apart:
| KEY FEATURES | Care Supreme Family Plan | Ultimate Care Family Plan |
|---|---|---|
| Sum Insured Options | 5L*/7L/10L/15L/25 L/ 50 L/1 Cr | 5L/7L/10L/15L/20L/25 L/ 50 L/1 Cr |
| Cumulative Bonus | 50% of base SI per year, irrespective of claim, max up to 100% | 50% of base SI per year, irrespective of claim, max up to 100% |
| Unlimited Automatic Recharge | Up to SI | Up to SI |
| In-Patient Care | Up to SI | Up to SI |
| Day Care Treatment | All Day Care Procedures | All Day Care Procedures |
| Pre-Hospitalisation Medical Expenses | 60 days | 60 days |
| Post-Hospitalisation Medical Expenses | 180 days | 90 days |
| AYUSH Treatment | Up to SI | Up to SI |
| Ambulance Cover | Up to Rs 10,000 per year for SI < 15 Lakhs & Up to SI for Policy SI >= 15 Lakh for road ambulance | Up to SI Any mode of transport, such as road, air, etc. |
| Organ Donor Cover | Up to SI | Up to SI |
| Cumulative Bonus Booster/Infinity Bonus (add-on) | Yes | Yes |
| Loyalty Boost | NA | Yes |
| Money Back | NA | Yes |
| Tenure Multiplier | NA | Yes |
| Be-Fit (add-on) | Yes | |
| Wellness Discount | Yes | Yes |
| Domiciliary Hospitalisation | Up to SI | Up to SI |
| Health Care Services | Up to SI | Up to SI |
*Disclaimer: The sum insured option of 5 lakh is not available for Zone-1 cities.
The best mediclaim policy for family covers all the family members under one insurance plan. Apart from this, there are various other benefits of investing in a family health insurance, like: The premium of the best health insurance for a family is lower than that of individual health plans. If you are looking for good health insurance for family, take a look at the other benefits of family health plans:
One claim in the lifetime of the policy without any limits on the Sum Insured can be raised under the mediclaim for family. Opt-in is optional and available at policy inception only.
We reward your family for maintaining good health by offering a cumulative bonus of up to 100% of SI, irrespective of claims made.
A growing family’s healthcare needs are diverse and never-ending. Thus, we offer you a family health policy that never runs out of coverage amount, with the benefit of unlimited automatic recharge of the sum insured.
In case no hospitalisation-related claim is made for the preceding 5 consecutive policy years, then the first policy year premium of the base plan shall be refunded in every block of 5 years, subject to subsequent renewal of the policy.
An additional SI equal to the first policy year’s sum insured will be added to policy coverage after 7 consecutive claim-free years, once in a policy lifetime.
With Care Family Health Insurance Policies, you can customise the policy features to match your family's healthcare needs. You can opt for adequate coverage amount and tenure while choosing the required set of additional benefits.
Boost your coverage by 100% of the SI upon each renewal, regardless of claims made. There’s no upper limit to the benefit.
Two pharmacy vouchers of Rs 250 each per policy shall be provided on the 1st renewal.
With the annual health check-up add-on benefit, you can ensure that all elderly insured members’ health is tracked promptly. Under this benefit, you can avail yourself of a cashless health check-up for all adult-insured members at any of the Care Health Insurance network labs once a year, as per the standard terms and conditions.
Our Family Health Insurance Plans offer coverage and benefits, including pre- and post-hospitalisation, day-care treatment, and ambulance cover. Family health plans also provide benefits like cumulative bonuses, annual health check-ups, automatic recharge of the sum insured, and more.
With our vast network of 21700+ cashless healthcare providers, you get worry-free hospital stays. We promise quality medical care at the best price. Our network hospitals ensure timely healthcare services without financial stress.
Apart from the built-in features of the chosen policy, you can also add optional benefits to the best health insurance for family as per your requirements. For example, Cumulative Bonus Super, Modification of PED Wait Period, or Instant Cover. Our curated family health insurance India options are built to meet diverse needs. You can opt for an adequate coverage amount and tenure while choosing the required set of additional benefits.
A family health cover provides you with the flexibility to add new members to the existing plan. In a family floater medical insurance plan, you can add a child between 91-180 days mid-year; if older, add them at renewal. Spouse can be added only at renewal.In order to add a new member, you only need to inform the insurer, fill out the Change Request Form they gave you upon visiting the branch office, and pay an additional premium.
If the person is continuously covered without lapses, they can port the entire policy (including all family members) to another insurer. Then the insured person can receive continuity benefits as per the IRDAI rules. According to IRDAI porting guidelines, the porting must be made at least 30 days before the policy, but not more than 60 days. Documents required for portability are- portability form, copy of the existing policy, KYC details, and documents related to claim listing (if any).
A health insurance for family offers dual advantages: it covers the medical expenses of all insured members under one plan and provides tax benefits on the premium paid.
Under Section 80D of the Income Tax Act, 1961, policyholders can claim deductions of up to ₹25,000 if below 60 years of age, and up to ₹ 75,000 if above 60. The table below explains how you can maximise these tax benefits:
| Category | Amount of premium paid | Deductions available under Section 80D | |
|---|---|---|---|
| Self, family, and children | Parents | ||
| Individuals and their parents who are below 60 | ₹25,000 | ₹25,000 | ₹50,000 |
| Individuals and their family who are below 60, but parents are above 60 | ₹25,000 | ₹50,000 | ₹75,000 |
Our family health plans combine affordability and coverage, making it easier to care for every member of your family. Comprehensive benefits and wider coverage help us serve you the best mediclaim policy for your family.Our best mediclaim policy for family in India offers the following benefits and features that are built into a policy:
Add-ons are the extended coverage that you can purchase for your existing health insurance family plans by paying an extra premium. Here is the list of various add-ons that you can purchase with family health insurance:
Our family health insurance is a comprehensive plan designed to offer exhaustive coverage for all the insured members. However, certain conditions may be out of our plan's coverage for our plans. The standard exclusions are as mentioned here:
Please check the policy terms and conditions for a detailed list of exclusions for a family health insurance plan. Finding the best health insurance plans for family doesn’t mean settling for less; choose a plan that balances cost and coverage perfectly.
A family mediclaim policy covers a maximum of two adults and two dependent children. In a family with three children, only two will be covered under one family floater medical insurance. Let us take an example of different combinations that can all be covered in a family health insurance plan.
| Combination No. | Adult 1 | Adult 2 | Child 1 | Child 2 |
|---|---|---|---|---|
| 1 | Self | Spouse | - | - |
| 2 | Self | Spouse | Yes | - |
| 3 | Self | Spouse | Yes | Yes |
| 4 | Self(Single Parent) | NA | Yes | Yes |
| 5 | Spouse | NA | Yes | Yes |
Cashless health insurance plans for family are available to individuals who meet the eligibility guidelines per policy terms and conditions. Take a look at some of the following set of standard eligibility conditions:
| Minimum Entry Age | Individual- 18 years Floater- 91 days with at least 1 insured person of age 18 years or above |
| Maximum Entry Age | Lifelong |
| Premium Payable on Renewal | Subject to change with prior approval from IRDAI |
| Waiting Period |
|
| Grace Period | 30 days to renew your policy post expiry |
Address your family’s specific needs when choosing the best health plan for your family. Elderly parents require inclusive coverage to meet their growing healthcare needs. You can compare the costs and options of family health insurance plans by thoroughly understanding your requirements. When it comes to buying the right health insurance, then family insurance is often considered a more practical and beneficial choice for growing families.The table below provides clearer information on the two famous types of health insurance you can choose:
| Individual Health Insurance | Family Health Insurance |
|---|---|
| Financial coverage for a single individual against medical emergencies. | Financial coverage for the whole family against medical conditions. |
| The sum insured can only be used by a single insured individual. | The sum insured is shared among all the insured members of the family. |
| The sum insured can range up to ₹1Cr, depending on the chosen plan. | Varied sum insured options are available up to ₹6 Cr. |
| The premium charged depends mainly on the individual’s age. | The premium depends mainly on the age of the family's oldest member. |
| The minimum entry age is 18 years. | The minimum entry age is 91 days (with at least 1 individual insured above the age of 18). |
Medical costs are constantly rising, so now is the best time to get healthcare insurance for your whole family. Signing up for our medical policy for families is easy through our digital portal.
Here's how:
Explore and Select Your Plan: Visit our official website and explore the diverse range of family health plans available.
Enter Phone Number: Enter your phone number and click on Get a Quote. You will be redirected to the next page, then click on Calculate Premium.
Select Family Members: Select the members you wish to insure and provide their age. Additionally, input your current residential address pincode for the correct premium based on location.
Review and Customise: Analyse the different plans and their benefits to choose the plan that suits your needs. You can also customise key aspects of your policy, such as tenure, sum insured and add-ons.
Receive Instant Quote: Once selected, you will receive an instant quote for your chosen family health insurance plan.
Provide Required Details: Proceed to purchase by filling in the proposer details, details of insured members, and your KYC details.
Secure Payment: Pay using a secure method such as a payment wallet, net banking, or a debit or credit card. You can also pay the insurance premium in EMI.
Policy Confirmation: Upon successful payment, your policy information, including your policy number and e-card, will be instantly sent to your registered mobile number.
Our quick and efficient claim management team helps us serve our customers with the best claim settlement experience!
In the event of emergency hospitalisation, you must inform your insurer via call or mail within 24 hours of hospitalisation. Whereas, in the event of planned hospitalisation, you must inform your insurer at least 48 hours before getting hospitalised. Hereafter, you can file either for a cashless or reimbursement claim.
| Cashless Claim Process | Reimbursement Claim Process |
|---|---|
| Step 1: Find a network hospital near you. | Step 1: Find a hospital near you and get the treatment at the earliest. |
| Step 2: At the TPA desk of the hospital, fill out the pre-authorisation request form. | Step 2: Upon discharge, you must pay the bill and collect the original receipts. |
| Step 3: Upon receiving the request from the network hospital, we will start the approval process and keep you informed on your claim status. Alternatively you can track your claim status on Care’s Mobile App. |
Step 3: Login to www.careinsurance.com and fill in claim form and submit documents including bills, reports, etc. |
| Step 4:All the further documentation and coordination shall be done with the hospital TPA desk. | Step 4: We will reach out to you in case we need any further documents/ information. |
| Step 5: We settle the bill directly with the hospital upon discharge. | Step 5: We will release the approved claim amount to your bank account after completing the query.In case of claim rejection, we will inform you of the reason. |
To continue availing of the benefits of family health insurance plans, you must renew the plan before it expires. You can quickly find the expiry date of your health insurance plan on your policy documents. Based on your existing policy details and renewal request, a renewal premium will be communicated to you within the specified period before the policy's expiration.
Care Health Insurance also reminds its customers about the renewal date of their health insurance policy through SMS. Here is how you can renew your family health insurance policy:
Online option
Mobile App
You can renew the policy by using the following steps through the Care Health-Customer App-
Offline option
For renewing your family health insurance policy via the offline method, you need to visit a nearby Care Health Insurance office. Take the required documents with you, along with the policy documents. You can connect with an executive at the office and get the policy renewed by making the payment.
In order to raise a claim for a family health insurance plan, you need to present a few documents as well. To avoid any back and forth while filing a claim, keep these documents handy at the time of filing a claim.
The documents required for a reimbursement claim include:
In case of an accidental hospitalisation, you need to submit the following documents as well:
The address on the KYC documents must match the Policy address.
In case of a cashless claim, you need to present a few documents at the hospital desk, like:
Please note that your policy address must be same as the current residential address to avoid claim rejections.
Under a family floater plan, a child aged between 91 and 180 days can be added mid-policy year. If the child is older than 180 days, they may be added at renewal. Spouse inclusion is also allowed at the time of renewal.
To add or remove family members from the family health insurance policy, follow these steps:
Investing in the best health cover for family means fewer financial worries tomorrow. Below are the main benefits of buying a family health insurance policy online in India:
Secure Payment Modes
Secure payment options keep your bank data safe and help you complete the transaction in a few clicks from anywhere, any time.
Chat Option & Easy Policy Evaluation
We try to resolve all your queries instantly through our chat service. Also, policy evaluation is easy with our precisely spelt-out policy terms.
Instant Premium Quote Calculation
Make a calculated buying decision by estimating the premium of your policy online. It will help you plan finances and choose affordable coverage.
Convenient Policy Selection
The website lets you compare coverage, choose, and pay from anywhere. You can also access policy documents online for quick verification.
Readily Available Value-Added Services
It's easy to add benefits to your family insurance policy, such as OPD care, co-payment waivers, and pre-existing diseases, while purchasing our health policy for your family online.
You may have noticed that the premium charged for health insurance differs from one customer to another. This is because the premium for family health insurance is calculated based on various factors. These include:
Age plays a crucial role in deciding the premium of a health insurance plan. In the case of family health insurance, the age of the oldest family member is taken into consideration. The older the member, the higher the premium will be. This is because as you grow old, risk of developing health issues increases.
The insurance premium is likely to go high in case any of the family members suffer from pre-existing diseases like diabetes, thyroid, hypertension, etc., Keep in mind that the waiting period for raising a claim against a pre-existing disease is typically 2 to 4 years.
The lifestyle habits of the family members are also determining factors. The premium charged is often high for a prolonged habit of smoking in the family. Again, the nature of occupation is also crucial since some professions with high health risk are likely to attract higher premiums.
The location of your residence also plays a crucial role in determining the premium of a family health insurance plan. Locations with high calamity risks draw higher premiums, considering the chances of claiming the policy.
The premium varies depending on the type of plan you choose. Although the premium goes up with more coverage and a higher sum insured, you get peace of mind that your finances will be protected even if multiple claims are registered in a policy year.
If you choose to increase the coverage of your plan, you may purchase various add-ons available. However, with each add-on, the premium also increases. So, pick only those add-ons that enhances the value for your coverage.
Co-pay or deductibles are part of the claim that the policyholder has to pay. It may be in terms of a fixed amount or a percentage of the claim. If you choose a higher deductible/co-pay, you are charged a lower premium and vice-versa.
The tenure of the family health cover plays a major role in determining the premium of the policy. If you opt for a longer policy duration, you will be charged a lower premium amount. Alternatively, shorter family health insurance plans have a higher premium amount.
Are you opting the right health insurance for your family? This is one question that might pop up in your mind when you are planning a family mediclaim policy. Let's see what are the common mistakes that customers often make and how you can avoid them:
When buying family health insurance, people often try to limit themselves to a low-sum insured in order to pay a low premium. This may help you with a lower premium now, but maybe in the long run, you will have to pay from your pocket in case of multiple health emergencies. The best mediclaim policy for a family is the one where you have sufficient coverage for all the family members.
The Right Approach
You need to assess the medical needs of your family and try to choose a plan with comprehensive coverage. A higher sum insured may charge you a slightly higher premium, but owing to the rising medical costs, it will definitely be worth it.
The basic coverage of a family health insurance plan includes a range of benefits. A higher coverage means greater insurance benefits. However, sometimes it may be the reason for hike in premium, which is why people tend to limit the basic coverage, ignoring its long-term effect.
The Right Approach
The possibility of coverage amount being insufficient is considerably less if it is decided after analysing the family’s insurance needs only. Another way to increase the coverage amount is opting for add-on covers such as sum insured restoration, OPD cover etc. However, always be calculative while buying an add-on cover as it again draws an additional premium.
In order to avail of insurance benefits, sometimes insurance seekers tend to furnish wrong information related to medical history. Little do they know that insurance companies do their verification for a proper background check. Thus, any miscommunication can lead to policy termination only.
The Right Approach
Maintaining transparency while dealing with your insurer is highly appreciated as hiding medical history or presenting wrong information can lead to health insurance policy cancellation.
You should be 100% truthful and honest with whatever information you are providing to your insurer. For instance, the smoking habit of any of the family members must be declared in the application. During the process, several tests are done at the insurers’ end to ensure genuine documentation.
Reading the entire policy document may sound tedious, and many people tend to skip reading the policy documents while buying health insurance. Ideally, you shouldn’t skip it as it can affect your policy experience and may hinder you from availing the best of benefits.
The Right Approach
When you are done deciding on a health insurance policy for family, make sure you read the fine print before signing and making the payment. It gives you a complete idea of the plan you are purchasing. You may ask our executive for any doubts and clauses that you may not be able to understand. This way, you can make the most of a family health insurance policy.
Certain diseases and health conditions develop with age. However, unforeseen medical emergencies can strike anyone. Hence, it is a mistake if you are waiting for the right time to secure your family, is a mistake.
The Right Approach
When planning to buy a health insurance plan for family, you need not wait for your youngest member to become old enough. The youngest member of as less as 91 days can join the family health insurance plan. Also, the premium increases with age. Make sure all your family members have access to the best medical facilities with a family health insurance policy.
Care Health Insurance offers reliable and flexible health insurance for families, designed to meet financial needs with ease. We offer one of the best mediclaim policy for families. Here’s why-
Disclaimer: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.
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You can cover self, your spouse, dependent children, parents, and in-laws under our medical insurance for family.
Consider factors like sum insured, hospital network, claim process, and add-on benefits to find the best health insurance policy for family that suits you.
Yes, family health insurance plans cover pre-existing diseases, but there is usually a waiting period of 2 to 4 years, depending on the plan.
Yes, our maternity insurance plan at Care Health Insurance covers pregnancy by covering delivery-related, childbirth, and post-natal care expenses.
You should prefer a family cover if you have a nuclear family with younger, dependent children. However, if you have older parents, specifically above 60 years of age, you should opt for individual insurance policies for parents.
There is no pre-policy medical check-up required under family insurance for a sum insured till 40 lakh and age up to 60 years. However, you might need to undergo medical checks if you are suffering from any pre-existing medical conditions. Also, a higher sum insured requires policyholders to undergo medical checks before policy issuance.
The sum insured can be increased when you renew the policy, subject to the underwriting decision of the company.
Yes, Coronavirus treatment is covered under our Care health insurance plan for a family. It covers medical expenses related to coronavirus treatment.
You can add family members to an existing family mediclaim policy at the time of renewal.
You can, but using our senior citizen plan is smarter. Having their own policy will give them a higher benefit. It will also cost less because the price of a family policy is based on the eldest member's age.
The shortest family floater mediclaim policy is one year. The longest one is three years, but it can be renewed for a lifetime.
Usually, a family health cover plan covers children up to the age of 24 years. However, the exit age may vary according to the type of plan.
Yes — subject to the policy terms and conditions.
To check the claim status, go to the claim section of our website and enter your relevant details.
Yes. A cashless claim facility is available for all insured members in a family health insurance policy. For this, however, one has to be admitted to one of the network hospitals of Care Health Insurance.
Under Section 80D of the Income Tax Act, 1961, policyholders of mediclaim policy for family can enjoy tax deductions of up to ₹25,000. Policyholders above 60 years of age can get tax deductions of up to ₹1 lakh in one financial year.
Yes, you can buy multiple health insurance plans for family as per your convenience.
Right coverage, Sum Insured, premium amount, in-built and optional benefits, and other medical expenses are the prime parameters to analyse different plans.
Reduction in PED Wait period, Tenure Multiplier, Instant Cover are some of the prominent add-ons.
You can propose/ buy a policy for your in-laws but can’t be with them in the same family floater.
Yes, visit www.careinsurance.com , enter your phone number and other details and buy a family health insurance online.
No Claim Bonus depends on the claim amount in a family floater.
Yes, we have 21,700+ healthcare providers all over the country which may provide cashless treatment to the insured.
Yes, our Care Advantage provides global coverage under certain policy terms and conditions.
Sum Insured majorly depends on the family’s healthcare needs and medical history. However, as per the current medical costs, the minimum coverage required for a family might be Rs 10 lakh to Rs 15 lakh.
You can add your child to the policy once they are 91 to 180 days old. If your child is older than that, you can include them at the time of policy renewal.
The policy premium depends on several factors like pre-existing diseases of family members, zone, policy, and coverage level.
Under the old tax regime, you can claim deductions of up to Rs 25,000 to Rs 75,000 under Section 80D of the Income Tax Act.
According to your family health issues, coverage required, number of dependents, and choose a policy that has cashless networks nearby, wait period modification, and affordable premiums with lifelong renewability.
Your policy will lapse, but grace period gives te freedom to make the premium payment without losing coverage or policy lapsing.
Purchase a health insurance policy at a younger age, select a co-payment or deductible option, and consider investing in a long-term medical insurance policy to influence health insurance premiums.
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Ultimate Care: UIN - CHIHLIP25044V012425
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
~Tax benefit is subject to changes in tax laws. Standard T&C Apply
^^Number of Cashless Healthcare Providers as of Feb 2025
**Number of Claims Settled as of Dec 2024
#Base premium for Ultimate Care is calculated as ₹12/day for an insured member (25 years) who has coverage of 5 Lacs in a zone 3 city (inclusive of 18% GST & 5% digital discount), 10% discount is applicable for a 3-year policy.
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