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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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Family Health Insurance provides medical and financial security coverage to the whole family against unexpected hospitalisation and illnesses. Under family health insurance plans, 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.That’s how health insurance for family offers a protective shield to all your loved ones under one roof.
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.If you are worried that a family floater may compromise on every member’s medical needs, you can opt for separate health insurance policies to cover every member individually.
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.
Shield Against Healthcare Inflation
Even a single hospital stay can cost lakhs and drain your household savings. A health insurance for 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 health insurance coverage helps you bear the treatment cost of prolonged illnesses and treatments.
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 family Mediclaim policies:
Look for best health plan that suits your need!
Health Insurance that Covers your Loved Ones
Your Parents have always care for you, Now its your TURN
Health Insurance with Higher Sum Insured
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 for family offering unrestricted coverage while helping you save more and maintain a healthy lifestyle. Here are the comprehensive benefits of the Care Supreme and Care Advantage family insurance:
|KEY FEATURES||Care Supreme Family Plan||Care Advantage Family Plan|
|Sum Insured Options||7, 10 & 15L||25L, 50L, & 1Cr|
|In-Patient Care||Up to SI||Up to SI|
|Day Care Treatment||All Day Care Procedures||All Day Care Procedures|
|Advance Technology Methods||Up to SI||Up to SI|
|Pre-Hospitalisation Medical Expenses||60 days||60 days|
|Post-Hospitalisation Medical Expenses||180 days||180 days|
|AYUSH Treatment||Up to SI||Up to SI|
|Organ Donor Cover||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 Lakhs
|10% of SI per year in case of claim-free year; Max up to 50% of SI|
|Automatic Recharge of SI||Unlimited automatic recharge||Up to SI (Once in a Policy Year)|
|Unlimited Automatic Recharge||✔||✔|
|Health Care Services||✔||✔|
*Disclaimer: The sum insured option of 5 lakh is not available for Zone-1 cities.
Our Family Health Insurance Plans offer wide coverage and benefits, including pre and post-hospitalisation, day-care treatment, and ambulance cover. Also, the plans provide non-medical benefits like cumulative bonus, annual health check-ups, automatic recharge of the sum insured, and others.
With our vast network of 21,100+ cashless healthcare providers, we promise quality medical care at the best price. Our network hospitals ensure your family members can avail of timely healthcare services without draining the family’s savings.
By adding multiple family members, you can save more tax benefits and deductions up to INR 75,000. This way, your family gets double financial security while preparing for medical emergencies.
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 automatic recharge of the sum insured.
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.
Comprehensive benefits and wider coverage help us serve you the best mediclaim policy for family.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.
When modern medications fail, traditional treatments come in handy. Family floater plans offer coverage for alternative treatments up to the sum insured.
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.
Family floater plans relieve you from medical expenses as minor as ambulance charges with adequate coverage, so you can focus on the treatment.
Our family insurance plans exclude the following claims:
Most of our medical insurance for family include the following set of standard eligibility conditions:
|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|
Customers can choose to include or exclude the co-payment feature while buying or renewing the policy at age 61 or above, implying-
|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|
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.
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.
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 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.
Our quick and efficient claim management team help us serve the best mediclaim policy for family. We offer two methods of claim settlement:
|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.|
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.
You can cover self, your spouse, dependent children, parents, and in-laws under our medical insurance for family.
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.
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.
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.
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.
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