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Save tax up to ₹75,000~ u/s 80D
Save tax up to ₹75,000~ u/s 80D
Protect your family's finances during medical emergencies with a single insurance plan. Trusted by countless families across India, we, an IRDAI-approved insurer, offer reliable and comprehensive financial coverage.
Reasons to Choose Care Health Insurance?
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A family health insurance plan lets you cover multiple family members, typically up to two adults and two children under one policy. This means you pay a single premium for a shared sum insured. Instead of managing multiple plans, you get a single consolidated cover that can be used by any insured member during a medical emergency.
For example, with a ₹10 lakh family floater health insurance plan, the sum insured is shared among all insured family members during the policy year. If your child requires hospitalisation due to a sudden medical condition, the expenses are covered from the same ₹10 lakh sum insured.
Later in the year, if your spouse needs treatment for another unexpected health issue, the remaining sum insured can still be utilised under the same policy.
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:
Protects Your Finances Amidst Inflation
With medical expenses increasing year after year, even routine treatments can become expensive. A family health insurance plan safeguards your finances, so inflation doesn’t disrupt your savings.
Covers Pre-Existing Diseases
Pre-existing conditions often require regular medical care and planned treatments. A family health insurance plan covers expenses related to such conditions after the applicable waiting period.
Affordable Healthcare & Financial Security
Getting medical insurance for family at an early age saves you from hefty medical bills while lowering the premium rates.
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 families. Especially when living with a family, cashless claims help you focus on recovery.
Empowers Staying Healthy
Good health comes with added benefits. The Be-Fit wellness program motivates you to stay active and follow healthy habits, while offering the opportunity to earn discounts on policy renewal based on defined fitness parameters.
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.
A family health insurance plan offers a single, shared sum insured that can be used by any covered family member during the policy year. Under a good family health insurance plan, you can add up to two adults and two children.
You pay a single premium (annually or in EMIs) for a family health insurance plan, which is more cost-effective than purchasing separate health insurance policies for each family member.
Note: 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, such as:
Choosing the right mediclaim policy for a family goes beyond coverage amount. Understanding the features, benefits, and flexibility of a policy can help you secure reliable protection for your family. Take a look:
A family floater plan scales with your family’s needs at every life stage:
Our family health plans combine affordability and comprehensive coverage, making it easier to care for every member of your family. With extensive benefits and wider coverage, we offer the best mediclaim policy for families in India, featuring the following built-in benefits and features:
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:
It is important to understand what a family health insurance plan does not cover to avoid claim rejections and unexpected expenses. Initial Waiting Period: Illnesses diagnosed within the first 30 days of policy commencement, except for accidental injuries.
Most of the family mediclaim policies cover a maximum of two adults and two dependent children. However, with the Care Plus plan, coverage can be extended to include up to four dependent children. Let us take an example of different combinations that can all be covered in a standard family health insurance plan like Ultimate Care, Care Supreme, etc.
| 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 |
Compare individual and family health insurance plans to choose the option that best suits your healthcare and financial needs.The table below provides clearer information on the two famous types of health insurance you can choose:
| Parameter | Individual Health Insurance | Family Health Insurance |
|---|---|---|
| Coverage Scope | Covers a single individual. | Covers multiple family members under one policy. |
| Sum Insured Usage | Sum insured is available only to the insured individual. | Sum insured is shared among all insured family members. |
| Premium Basis | Premium is based on the insured individual’s age | Premium is based on the age of the eldest insured family member |
| Entry Age | Minimum entry age is 18 years | Minimum entry age is 91 days, with at least one insured adult above 18 years |
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 a claim form and submit documents including bills, reports, discharge summary 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:
| Renewal Mode | How It Works |
|---|---|
| Online (Website) | Visit the Care Health Insurance website, click Renew Policy, enter your policy number, make required changes (if any), and complete the payment. |
| Mobile App | Log in to the Care Health–Customer App, select Quick Renew or Modify & Renew, choose a payment mode, and download the policy certificate after payment. |
| On Call | Call 1800-102-4499, share your policy details with the executive, and complete the renewal by making the payment. |
| Offline (Branch) | Visit the nearest Care Health Insurance branch with your policy documents and renew with assistance from a customer service executive. |
Note:Multi-Year Policy Discount: We offer long-term premium discounts, 7.5% for 2 years, 10% for 3 years, 12.5% for 4 years, and 15% for 5 years.
Proposing a Policy: Proposing a mediclaim policy means you will pay their premium, and they will get covered under the chosen plan. An adult can propose a policy for their Spouse/live-in partner/same-sex partner, son or daughter, father, mother, mother-in-law, father-in-law, grandfather, or grandmother.
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:
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 have a look at the most common mistakes that customers make and how can they be avoided:
Look for hospitals around you
My appreciation for your prompt service
Rahul Sangwan
Health Insurance
We will continue to avail of your scheme
Samanway Barik
Health Insurance
Everything went very smooth
Soubhagya K Kulkarni
Health Insurance
Really helpful explaining the process in advance
Vaibhav Rai
Health Insurance
You can cover self, your spouse, dependent children, parents, and in-laws under our medical insurance for family.
A family health insurance plan adapts to your family’s changing healthcare needs at every life stage. It offers early coverage for young couples, allows newborns to be added to the same policy, supports children as their medical needs grow.
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.
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.
Yes, we have 22100+ 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.
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!
Sales:1800-102-4499
Services: 8860402452
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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 Dec 2025
**Number of Claims Settled as of Dec 2025
*The premium is calculated for two insured individuals (18 each) who opts for a sum insured of 5 lakh in a zone 3 city.
Terms & Conditions of Premium Quote Generation
"Care Health Insurance Ltd & associate partners may contact you to assist you with website navigation of www.careinsurance.com and assist in proposal filling."
