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Family Health Insurance

Health Insurance Plans for Family

Health insurance plans for family are single cover safeguarding the healthcare needs of your entire family, including your spouse, children, parents, and in-laws. It protects your family savings against hospitalization expenses during emergencies.

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  • Hassle-Free Experience with 95.2% Claim Settlement Ratio
  • Coverage for Modern Treatment like Robotic Surgery, etc
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    What is Family Health Insurance?

    Health insurance plans for family provide medical and financial security coverage to the whole family against unexpected hospitalisation and illnesses. Under family health insurance, the policyholder can cover himself, his parents, spouse, dependent children, and elders by paying a common premium. The policy's sum insured acts as a pool of funds for everyone to use. Any insured family member can use the sum insured entirely or partly to pay hospitalisation expenses and other medical costs.

    What’s best is that you can add new members as and when you plan a family expansion. Also, you can customise the coverage amount while adding optional benefits to meet the medical needs of covered members. Add-on benefits can include cumulative bonus super, air ambulance cover, and wellness benefits.

    How Does Family Medical Insurance Work?

    Let’s understand the concept of health insurance family plans with the help of an example. For instance, suppose you opt for a floater plan covering yourself, your spouse, and two dependent children under 10 lakh coverage. If your spouse encounters a medical emergency costing 3 lakhs, you can easily claim the same from floater coverage. For the rest of the policy tenure, the remaining 7 lakhs coverage can be utilised by any other family member to pay for medical treatments.

    Why Do You Need a Health Plan for Your Family?

     

    Shield Against Healthcare Inflation

    Even a single hospital stay can cost lakhs and drain your household savings. A family cover lowers the financial burden by covering medical treatment, doctor’s consultancy, medications, etc.

     

    Protection From Lifestyle Diseases

    Given the rise in lifestyle diseases, including diabetes, obesity, and hypertension, you must take preventive measures like annual health check-ups for the safety of your family.

     

    Affordable Healthcare & Financial Security

    Getting a family floater at an early age saves you from hefty medical bills while lowering the premium rates. The EMI option makes premium payment easier and more budget-friendly.

     

    Facilitates Cashless Hospitalisation

    In the face of a constant financial crunch, medical bills are best paid through a cashless facility. 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. A family cover helps you bear the treatment cost of prolonged illnesses and treatments.

    Types of Family Floater Health Insurance Plans

    At Care Health Insurance, we meet the diverse healthcare needs of every household with some of our best health insurance plans in India for family:

    Man Illustration

    Look for best health plan that suits your need!

    Preffered
    Product Image
    Family & Individual Health Insurance

    Health Insurance that Covers your Loved Ones

    • Annual Health Checkup & Save Tax 
    • Modern Treatments Coverage
    Preffered
    Product Image
    Health Insurance for Senior Citizens

    Your Parents have always care for you, Now its your TURN

    • No Pre-policy medical check-up
    • *Annual Health check-up for all insured persons
    Preffered
    Product Image
    1 Crore Health Plan

    Health Insurance with Higher Sum Insured

    • Upto 50% No Claim Bonus
    • Individual or Floater Option

    Features of Our Top Family Health Insurance Plan

    When family security is on your mind, choose nothing but the widest coverage to keep financial worries at bay. We present you– Care Supreme– the next-generation health insurance family plan offering unrestricted coverage while helping you save more and maintain a healthy lifestyle. Here are the unique features and benefits of the Care Supreme family plan:

     

    KEY FEATURES 7, 10 & 15L
    In-patient Care Up to SI
    Day Care Treatment All Day Care Procedures
    Advance Technology Methods Up to SI
    Pre-Hospitalisation Medical Expenses 60 days prior to hospitalisation
    Post-Hospitalisation Medical Expenses 180 days post hospitalisation
    AYUSH Treatment Up to SI
    Domiciliary Hospitalisation Up to SI
    Organ Donor Cover Up to SI
    Ambulance Cover Up to Rs 10,000 per year for SI < 15 Lakhs &
    Up to SI for Policy SI >= 15 Lakhs
    Cumulative Bonus 50% of SI per year, max up to 100% of SI
    Unlimited Automatic Recharge
    Unlimited E-Consultations
    Health Care Services

    *Disclaimer: The sum insured option of 5 lakh is not available for Zone-1 cities.

    Benefits of Securing Your Family under the Right Family Health Plan

    benefits of securing family health insurance benefits of securing family health insurance

    What is Covered under Family Health Insurance Plan?

    Our health insurance plans for family cover the following benefits and features:

     

    Annual Health Check-up

    We value your family’s health by providing annual health check-ups for all insured family members. Health checks help track ailments & get treated early on.

     

    Day Care Treatment

    With a family plan, you don’t need to pay for minor medical procedures like eye surgeries, dialysis, etc., requiring less than 24 hours of hospitalisation.

     

    Pre and Post-Hospitalization

    Family plans offer optimum security—from tests & doctor’s fees to post-treatment hospital visits—with up to 60-days pre & 180-days post-hospitalisation coverage.

     

    Advance Treatment Methods

    We enhance your coverage with robotic surgeries and therapies to treat critical illnesses at specialised healthcare centres. Get coverage up to the sum insured.

     

    Up to 100% Cumulative Bonus

    We reward your family for maintaining good health by offering a cumulative bonus of up to max 100% of SI every year for raising no claims as per policy terms.

     

    AYUSH Treatment

    When modern medications fail, traditional treatments come in handy. Family floater plans offer coverage for alternative treatments up to the sum insured.

     

    Domiciliary Hospitalization

    When your elders or children need special care at home, we stand with you by covering domiciliary hospitalisation expenses up to the SI as per policy terms.

     

    Ambulance Cover

    Family floater plans relieve you from medical expenses as minor as ambulance charges with adequate coverage, so you can focus on the treatment.

    Exclusions under Family Medical Policies

    Our family insurance plans exclude the following claims:

    • Self-inflicted injuries resulting from suicide or attempted suicide.
    • Diseases, surgeries, or medical events, occurring within 30 days of the policy start date.
    • Expenses arising out of or attributable to alcohol or drug use/misuse/abuse.
    • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion, and its consequences.
    • Tests and treatments relating to infertility and in vitro fertilisation.
    • War, riot, strike, nuclear weapons-induced hospitalisation.

    Eligibility Criteria under the Family Mediclaim

     

    Minimum Entry Age Individual- 5 years
    Floater- 91 days with at least 1 insured person of age 18 years or above
    Maximum Entry Age Lifelong
    Co-payment

    Customers can choose to include or exclude the co-payment feature while buying or renewing the policy at age 61 or above, implying-

    • Policy issuance with 20% co-payment.
    • Policy issuance without 20% co-payment by opting for a waiver benefit.
    Premium Payable on Renewal Subject to change with prior approval from IRDAI
    Waiting Period 30 days for illnesses, except injury
    Grace Period 30 days to renew your policy post expiry

    Steps to Buy Care Medical Insurance for Family

    Medical costs are always rising, so now is the best time to get healthcare insurance for your whole family. Signing up for our medical policy for family is easy through our digital portal.

    Here's how:

    Step 1: Go to the Care Health Insurance site and select a suitable health plan.

    Step 2: Enter the required details, including your phone number.

    Step 3: Fill in the relevant details, such as your age, occupation, pre-existing diseases, etc.

    Step 4: Choose the plan that suits your needs.

    Step 5: Customize your policy's tenure, sum insured, and add-ons.

    Step 6: Get an instant quote for your chosen health family plan.

    Step 7: Submit the documents if required.

    Step 8: Pay using a secured method such as a payment wallet, net banking, or a debit or credit card. You can also pay the insurance premium in EMI.

    Your policy information will be sent to the email address you entered. It will include your policy numbers and your e-card. Our representatives are always there to help you; reach out to them anytime.

    Reasons to Buy a Family Floater Health Insurance Online

    Below are the main benefits of buying a health insurance policy for family 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 spelled-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 anywhere at any time. Also, you can access policy documents online for quick verification.

     

    Readily Available Value-Added Services

    It's easy to add benefits such as OPD care, co-payment waivers, and pre-existing diseases while purchasing our health policy for your family online.

    How to File a Claim Under Family Floater Insurance?

     

    Cashless Claim Process Reimbursement Claim Process
    Step 1: Fill out the pre-authorization form available at the insurance desk and send it to our claim management team. Step 1: Submit your claim form along with the required documents.
    Step 2: You will get an approval letter once your claim is verified. Step 2: Get the approval letter from the claim management team.
    Step 3: Make sure to respond to queries from the claim management team. Step 3: Respond to queries raised by our claim management team.
    Step 4: File a reimbursement claim request in case your cashless claim request doesn't go through. Step 4: In case your claim is rejected, our claims team will contact you and share the reasons of rejection at the earliest.

    Tips to Choose the Perfect Family Medical Insurance Policy

    Choosing the right health insurance plan for your family is a smart decision. Look for these features to find the best family health insurance plans in India.

    • Age Eligibility: Many health policies have age restrictions. We provide coverage at three months of age with lifetime renewals on a floater basis.
    • Maximum Coverage: We cover expenses related to pre and post-hospitalisation as well. This includes tests, treatments, medication, and check-ups every year.
    • Affordable Premiums: Our premium calculator helps you figure out your cost for the features you need in advance.
    • Few Exclusions: Certain conditions can exclude claims. Look for a plan offering the most coverage with the least exclusions.
    • Co-Payments: Co-pay in health insurance is when the policyholder needs to pay a certain part of the claim amount as per policy terms. The insurer bears the rest of the claim expense. Check the co-payment percentage before signing up for family medical insurance plans.
    • List Network of Hospitals: Easy access to our large group of in-network hospitals that provide cashless treatment in the least amount of time. Check the in-network hospital list to find the best hospitals in your area.
    • Easy Settlements: A Claim Settlement Ratio shows the company's reliability in settling claims. With Care Health Insurance, you can rely on our highest claim settlement ratio with 95.2% CSR (F.Y. 19-20).

    FAQs on Family Insurance Plans

    Q. Who can be covered under a family health policy?

    You can cover yourself, your spouse, dependent children, parents, and in-laws under a family cover.

    Q. What is the difference between a family floater and individual health insurance?

    A family health plan covers more than one family member in a single policy. This plan is best for young couples or small families with older parents. It covers them all with a common sum insured. Individual health plans are for people who need a policy for one family member, an older person, or someone very sick.

    Q. What are the benefits of buying health insurance at an early age?

    Opting for health insurance at an early age is beneficial in more ways than one. Firstly, policy issuance becomes easy without any pre-policy medical check-ups. Secondly, owing to the early exhaustion of the waiting period, you can get coverage for all treatments at a later age without any delays. Also, you can enjoy tax benefits under section 80D.

    Q. What is beneficial for me- family cover or individual insurance?

    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.

    Q. Is a medical check-up necessary before buying family floater health insurance?

    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.

    Q. Can I take multiple health insurance policies?

    Yes, you can get multiple health insurance policies and avail of the benefits. If you have more than one indemnity-based health insurance plan from another insurer or us, you can select any of these policies to settle the claim, provided the claim payable is up to the sum insured of such a policy. If the claim amount under one policy exceeds the sum insured, you can choose a suitable insurer to settle the claim. If you have selected Care Health Insurance, we will settle your coverage expenses, subject to the policy T&C.

    Q. Can I increase my sum insured during the policy tenure?

    The sum insured can be increased when you renew the policy, subject to the underwriting decision of the company.

    Q. Is COVID-19 treatment covered under Care Health Insurance for family?

    Yes, Coronavirus treatment is covered under our Care health insurance plan for a family. It covers medical expenses related to coronavirus treatment.

    Q. Can I add family members to a policy I already have?

    You can add family members to an existing policy at the time of renewal.

    Q. Can I add my parents to my existing family medical insurance?

    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.

    Q. What are the shortest and longest policies I can get?

    The shortest family floater mediclaim policy is one year. The longest one is three years, but it can be renewed for a lifetime.

    Q. Can I change hospitals while being treated?

    Yes — subject to the policy terms and conditions.

    Q. How can I check the status of my claim?

    To check the claim status, go to the claim section of our website and enter your relevant details.

    Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

    *Features available with additional Add-on ,*NCB will not be lost if claimed amount is less than 25% of SI, Coverage is available in Government Authorized Centre *For detailed list of non-payable items refer Annexure I of policy details

    ^Annual premium for product 'Care' and 'Care Shield (add on)' is Rs. 6160/-(excl. GST) for 1 adult falling under the age bracket 05-24 years, 1 Adult 18-24 age group 3 Yr with NCB Super (Add-on).

    ^^Number of Cashless Healthcare Providers till 31st Dec 2022.

    **10% discount is applicable for a 3-year policy

    #Claim Settlement Ratio is for FY 19-20 and number of claims settled till February 2022.

    ^^Number of Cashless Healthcare Providers till 25th March 2022.

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