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Save tax up to ₹75,000~ u/s 80D
Save tax up to ₹75,000~ u/s 80D
Safeguard your family’s health with a single, affordable policy from Care Health Insurance, an IRDAI-approved insurer trusted by families across India. Choose our Family Health Insurance Plans to cover your spouse, children, parents, and in-laws under one shared sum insured, with seamless enrolment, quick claim support, and flexible coverage options tailored to your needs. Get a quote, compare benefits, and buy your family policy online in minutes.
Reasons to Choose Care Health Insurance?
Ambulance Cover
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ICU Cover
Pre-and Post-Hospitalisation
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Unlimited Automatic Recharge
A family health insurance plan lets you cover all members under one policy (two adults and two children), so you pay a single premium for a shared sum insured. Instead of managing multiple plans, you get a single consolidated cover usable by any insured member during a medical emergency.
For instance, with a ₹10 lakh family floater cover, any insured member can use the shared sum insured during the policy year. Suppose your child needs urgent hospitalisation for a fever or infection. In that case, the same plan lets you access cashless treatment instantly at Care Health Insurance network hospitals, without purchasing a separate child policy. No additional paperwork, no delays. One policy, one cover, complete protection for the entire family.
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.
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 numerous 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 family floater plan is recommended for:
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. It is a shared health expense wallet. Finding the best health insurance policy for a family means selecting a plan that balances coverage, cost, and convenience.
There is a single Sum Insured for 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 let you customise your plan and add a newborn or a spouse. It’s practical, flexible, and usually more affordable under a good family mediclaim policy.
Example
Let’s say a family of four (two adults and two children) buys a family 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. Any insured family member can use the remaining ₹5 lakh if a 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.
A family health insurance plan comes with built-in benefits that provide comprehensive coverage for your entire family. Discover what sets Care Health Insurance plans apart:
Cashless access ensures that when a medical emergency strikes, your treatment does not pause for payment formalities. The insurer clears the bill directly with the hospital, allowing faster admission and quicker claim handling during emergencies. This reduces stress for the family, avoids last-minute financial arrangements, and keeps the focus on timely medical attention.
Your cover is reinstated automatically when fully used. You stay protected for additional treatments within the same policy year without buying extra coverage or altering your plan.
Manage your family’s health cover with a single, easy-to-maintain policy. You pay one premium, track one renewal date, and protect all key family members under the same plan. It simplifies administration and ensures that everyone receives consistent medical coverage throughout the year.
Use a single coverage amount for all insured members in the policy. The shared pool ensures that whoever needs treatment can access funds without restrictions. It keeps the plan simple and cost-efficient for families of all sizes.
Receive support for a wide range of medical needs, from full hospital stays to short day-care procedures. Essential services such as ambulance transport, ICU care, and AYUSH treatments are included as per policy terms. Annual health check-ups help you track your well-being and identify concerns early.
Lower your tax liability by claiming eligible deductions on premiums under Section 80D. Premiums are free from GST as per policy terms, giving you direct savings on the plan. You can save up to ₹75,000 each year while securing strong health protection.
The best mediclaim policy for a family covers all family members under a single insurance plan. Additionally, you get in-built and add-on features that you can buy in your health insurance policy to make it comprehensive. Get to know what features make a health insurance good for your family, take a look:
We reward your family for maintaining good health by offering a cumulative bonus of up to 100% of SI, irrespective of claims made.
Two pharmacy vouchers of Rs 250 each per policy shall be provided at the 1st renewal.
With the annual health check-up add-on benefit, you can ensure that the health of all elderly insured members 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 offer benefits such as 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 of hospitals ensures timely healthcare services without financial stress.
Enhance your family health insurance by adding optional benefits such as Cumulative Bonus Super, PED Wait Period Modification, or Instant Cover. Select the coverage, tenure, and add-ons you need to create a plan tailored to your family’s requirements.
You can add new members to your family floater plan in just a few steps. Children aged 91-180 days can be added mid-year; older children and spouses can be added at renewal. Simply inform the insurer, submit a Change Request Form, and pay the applicable premium.
If a person maintains continuous health coverage without gaps, they can port their entire policy (including family members) to another insurer. As per IRDAI guidelines, porting should be done between 30 to 60 days before policy renewal. Required documents include the portability form, current policy copy, KYC details, and any claim-related documents.
Premiums differ by location, as medical costs vary across regions. Tier 1 cities generally have higher premiums due to higher treatment expenses and the need for broader coverage. Tier 2 and Tier 3 cities offer comparatively lower premiums, helping families secure adequate protection at a more affordable rate. Selecting coverage based on your city ensures the plan aligns with local healthcare costs.
A family floater plan scales with your family’s needs at every life stage:
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 families are available to individuals who meet the eligibility requirements outlined in the policy terms and conditions. Take a look at 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 family members insured |
| 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:
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 policy. 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 your policy's premium 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 disease coverage, when you purchase our family health policy 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 older, the 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 family members' lifestyle habits are also determining factors. The premium charged is often high for a prolonged habit of smoking in the family. Again, the nature of the occupation is crucial, as some professions with high health risks 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 risk attract higher premiums, reflecting the likelihood of policy claims.
The premium varies depending on the type of plan you choose. Although the premium increases with more coverage and a higher sum insured, you get peace of mind that your finances will be protected even if multiple claims are made 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 enhance 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 pay 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 higher premiums.
Are you opting for 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 the common mistakes that customers often make are and how you can avoid them:
When buying family health insurance, people often try to limit their insured amount to a low one to pay a low premium. This may help you with a lower premium now, but in the long run, you will have to pay out of your pocket in case of multiple health emergencies. The best mediclaim policy for a family is one that provides sufficient coverage for all family members.
You need to assess your family's medical needs and 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 a hike in premiums, which is why people tend to limit the basic coverage, ignoring its long-term effect.
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 to opt 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 their medical history. Little do they know that insurance companies conduct background checks to verify their records. Thus, any miscommunication can lead to policy termination only.
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 insurer’s end to ensure genuine documentation.
Reading the entire policy document may sound tedious, and many people tend to skip it when 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.
When you are done deciding on a health insurance policy for your 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 or clauses you may not 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, waiting for the right time to secure your family is a mistake.
When planning to buy a health insurance plan for your family, you need not wait for your youngest member to become old enough. The youngest member, as young as 91 days, can join your plan. Additionally, premiums increase with age. Ensure that all your family members have access to the best medical facilities with a comprehensive family health insurance policy.
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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.
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. 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.
Get the best financial security with Care Health Insurance!
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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 5% digital discount), 10% discount is applicable for a 3-year policy.
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