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.

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.

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Family Health 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: 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.

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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What is Family Health Insurance?

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.

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 Family Health Insurance Plan?

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.

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 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!

Family Health Insurance

Health Insurance that Covers your Loved Ones

Annual Health Checkup & Save Tax
Modern Treatments Coverage

KNOW MORE

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

KNOW MORE

1 Crore Health Plan

Health Insurance with Higher Sum Insured

Upto 50% No Claim Bonus
Individual or Floater Option

KNOW MORE

Features of Our Top Family Health Insurance Policies

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.

Benefits of Securing Your Family under the Right Family Health Plan

benefits of securing family health insurance

Advantages of Buying a Family Health Insurance Plan

Comprehensive Coverage

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.

Cashless Hospitalisation Facility

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.

Tax Benefits

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.

Unlimited Recharge of the Sum Insured

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.

Customisable Health Benefits

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.

What is Covered under Our Family Health Insurance Plans?

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.

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

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
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 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.

How to File a Claim Under Family Floater Insurance?

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.

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.
Exclusions: Certain conditions can exclude claims. Look for a mediclaim policy for family that offers maximum 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 self, your spouse, dependent children, parents, and in-laws under our medical insurance for family.

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 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 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 Family Health Insurance?

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 family mediclaim 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.

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