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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.
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
Let’s understand the concept of health insurance family plans with the help of an example.
32-year-old Fatima Khan opts for a floater plan covering herself, her spouse, and two dependent children with a health plan of ₹10 lakh coverage. A few months after the policy purchase, Fatima had to undergo kidney stone removal surgery. She had to stay in the hospital for 5 days, and her medical bills reached ₹3 lakhs. The insurance company paid for these expenses. A few months later, her husband met with a car accident and hospitalised for 7 days. His hospital bill came around ₹5 lakhs, which was paid by the insurer.
In this case, the remaining ₹2 lakhs coverage can be utilised in case any other health emergency arises during the policy tenure.
Suppose, Dhruv Sharma, a 27-year-old software engineer, opted for individual cover for himself and his spouse. Each one of them has a separate sum insured of ₹5 lakhs, which cannot be shared with each other. After a few days of policy inception, Dhruv had covid and had to spend 8 days in the hospital, where the hospital bill was ₹4 lakhs. Four months later, his wife needed to be hospitalised due to covid and her hospital bill was ₹3 lakhs. Both the bills were paid by the insurance company.
For the remaining policy year, Dhruv has a cover of ₹1 lakh left, while his wife has ₹2 lakhs.
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.
The table below will guide you better on the differences between Individual and family health insurance:
|Individual Health Insurance||Family Health Insurance|
|Step 1: It provides financial and medical coverage to a single individual against medical emergencies.||Step 1: It provides financial and medical coverage to the whole family against medical conditions.|
|Step 2: The sum insured can only be used by a single insured individual.||Step 2: The sum insured is shared among all the insured members of the family.|
|Step 3: The sum insured can range up to ₹1 crore depending on the chosen plan.||Step 3: Sum insured ranges from ₹7 lakhs to ₹1 crore.|
|Step 4: The premium charged depends majorly on the age of the individual.||Step 4: The premium depends majorly on the age of the oldest member of the family.|
|Step 4: The minimum entry age is 18 years.||Step 4: The minimum entry age is 91 days (with at least 1 individual insured above the age of 18).|
When you compare the premium of a family health plan you will find it more affordable as compared to an individual health plan. This is because of the higher coverage and sum insured offered by an individual plan. In case you wish to go for a family health insurance plan, you can still enhance the coverage by opting for add-ons and the lifelong renewability.
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||5*,7, 10 & 15L||25L, 50L, & 1Cr|
|In-Patient Care||Up to SI||Up to SI|
|Day Care Treatment||All Day Care Procedures||540+ 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.
A family health insurance plan 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:
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 22900+ 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 ₹1 lakh. 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.
Add-ons are the extended coverage that you can purchase for your existing health insurance family plans by paying an extra sum premium. Here is the list of various add-ons that you can purchase with family health insurance:
In every kind of health insurance policy, including family health insurance, there are certain medical and health conditions that are not covered. All those medical conditions that remain out of the reach of a health insurance plan are known as exclusions.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.
In order to continue availing of the benefits or health insurance family plans, you must renew the plan before it expires. You can quickly find the expiry date on your health insurance portal on the website. Care also reminds its customers about the renewal date of their health insurance policy via SMS. Here is how you can renew your family health insurance policy:
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.
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.|
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:
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 may have noticed that the premium charged differs from one customer to another. This is because the premium for family health insurance is calculated on the basis of 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, the risk-appetite increases.
The health history of the family also plays a significant role in deciding the premiums for health insurance plans for a family. The premium offered to a family with a health history is always higher than a family with no such history.
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 family is also considered while framing the premium of a family health insurance plan. Locations with high calamity risks draw higher premiums considering the chances of claiming the policy.
Depending on the type of plan you choose, the premium changes. Although with more coverage and a higher sum insured, the premium goes high, you get peace of mind that your finances would be protected even if more than one insured member falls sick 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 you really need.
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.
Are you doing it right? 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.
It may sound tedious to read the entire policy document and many tend to do this mistake 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 as the right time is today.
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.
A health insurance policy for family has dual benefits. On one hand, you get medical and financial coverage for all your family members under one plan, and on the other hand, you can enjoy tax benefits for premiums paid towards the health insurance plan. So, this way, you can enjoy dual benefits.
Under Section 80D of the Income Tax Act, 1961, the policyholder of a family health insurance can avail of tax benefits. Policyholders below the age of 60 can get tax deductions of up to ₹25,000 for premiums paid towards family health insurance plan. Those above 60 years of age can avail higher tax deductions. The following table will help you understand how can one make the most of the 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|
|The policyholder as well as the parents are over 60||₹50,000||₹50,000||₹1,00,000|
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.
A no-claim bonus is a reward given to all those healthy members of Care who haven't raised any claims in a policy year. A no-claim bonus is a way of appreciating the healthy life of insured members. In the case of family health insurance, if none of your insured family members raises any claim in a policy year, the no-claim bonus is accumulated.
The first year of the no-claim bonus gives you a 10% rise in the sum insured and a 20% rise in the next subsequent no-claim year. The maximum limit for no claim bonus accumulation is 50% of the original sum insured. In times of rising medical costs, it is a huge relief to see your sum insured getting increased by adding up the no-claim bonus.
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.
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.
Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.
^^Number of Cashless Healthcare Providers as of 30th June 2023.
^10% discount is applicable for a 3-year policy
**Number of Claims Settled as of 31st May 2023
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