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Family Health Insurance

Family Health Insurance Plans

Health insurance plans for families safeguard the healthcare needs of your entire family, including your spouse, children, parents, and in-laws. The plan also protects your family's savings against hospitalisation expenses during emergencies.

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  • Coverage for Hospitalisation, including pre & post hospitalisation
  • Coverage for Modern Treatment and Traditional Treatments alike
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What is Family Health Insurance?

Family health insurance provides financial security against unforeseen medical emergencies and illnesses for your family.Under family health insurance plans, the policyholder can cover themselves,their parents, spouse, dependent children, and elders by paying a standard premium. The policy's sum insured is a pool of funds for everyone. 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 families offers a protective shield to all your loved ones under one financial umbrella.

You can also customise the coverage amount while adding optional benefits to meet the medical needs of covered members. Add-on benefits 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.

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 plans:

Man Illustration

Look for best health plan that suits your need!

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Family Health Insurance

Health Insurance that Covers your Loved Ones

  • Annual Health Checkup & Save Tax 
  • Modern Treatments Coverage
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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
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1 Crore Health Plan

Health Insurance with Higher Sum Insured

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

How Does Family Medical Insurance Work?

Let’s understand the concept of health insurance for a family with the help of an example.

Family Floater Health Insurance

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 health emergency arises during the policy tenure.

Individual Health Insurance for Family

Suppose, Dhruv Sharma, a 27-year-old software engineer, opted for individual cover for himself and his spouse. Each has a 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.

Dhruv has a cover of ₹1 lakh left for the remaining policy year while his wife can utilise up to ₹2 lakh during this tenure.

Why Do You Need a Family Health Insurance Plan?

Securing your loved ones under a family health insurance plan can save you the stress of paying multiple premiums and choosing various policies. Here are a few things that a Family Health Insurance plan offers:


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 consultations, medications, etc.


Protection From Lifestyle Diseases

Lifestyle diseases are the new normal. However, benefits such as annual health check-ups can prevent the worsening of issues and keep you and your loved ones safe.


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 payments more accessible and 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.

Difference between Individual and Family Health Insurance

The table below will guide you better on the differences between Individual and family health insurance:

Individual Health Insurance Family Health Insurance
It provides financial and medical coverage to a single individual against medical emergencies. It provides financial and medical coverage to the whole family against medical conditions.
The sum insured can only be used by a single insured individual. The sum insured is shared among all the insured members of the family.
The sum insured can range up to ₹1 crore depending on the chosen plan. Varied sum insured options are available up to 6 crore.
The premium charged depends majorly on the age of the individual. The premium depends majorly on the age of the oldest member of the family.
The minimum entry age is 18 years. 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 you wish to opt for a family health insurance plan, you can still enhance the coverage by opting for add-ons and the lifelong renewability.

While choosing between a family health cover and individual plan, it is imperative to address the specific needs of your family and compare the available options. By having a thorough understanding of your requirements.

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 and Care Advantage– 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, 25 L, 50 L & 1 Cr 25L, 50L, & 1Cr, 2Cr, 3Cr, 6Cr
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
Up to the Sum Insured
Automatic Recharge of SI Unlimited automatic recharge Up to SI (Once in a Policy Year)
Health Care Services

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

Advantages of Buying a Family Health Insurance Plan

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:

Comprehensive Coverage

Our Family Health Insurance Plans offer wide coverage and benefits, including pre and post-hospitalisation, day-care treatment, and ambulance cover. The plans also provide benefits like cumulative bonuses, annual health check-ups, automatic recharge of the sum insured, and others.

Cashless Hospitalisation Facility

With our vast network of 24800+ 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 ₹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 unlimited 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.

Freedom to Add Members

A family health cover provides you the flexibility to add new members to the existing plan. If you have recently welcomed a new born to the family, you can add the baby to the policy during the time of renewal. In order to add a new member, you only need to inform the insurer, and pay an additional premium.

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

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 and thus, offer annual health check-ups for all insured family members. Health checks help track ailments & get treated early on.


Day Care Treatment

With family health insurance, you do not have to worry about daycare procedures such as cataract treatment, dialysis, etc., as they are already covered.


Pre and Post-Hospitalization

Family plans offer optimum security—from tests and doctor’s fees to post-treatment hospital visits—with up to 60 days of pre-hospitalisation coverage and 180 days of 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 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 you need special care at home, we cover domiciliary hospitalisation expenses up to the SI as per policy terms.


Ambulance Cover

Family floater plans relieve you from medical expenses incurred in hiring an ambulance with adequate coverage, so you can immediately avail of treatment.

What are the add-ons in Family Health Insurance?

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:

  • Annual Health Check-up:With the Annual Health Check-up add-on benefit, you can ensure that all elderly insured members’ health is tracked timely. Under this benefit, you can avail yourself of a cashless health check-up for all adult-insured members at any of the Care Health Insurance network labs once a year as per the standard terms and conditions.
  • Cumulative Bonus Super:By choosing this add-on benefit under the Care Supreme Health Insurance, you can boost your coverage to a maximum of 500% of SI in five consecutive years. The benefit increases 100% of the Sum Insured annually for up to 5 years, and the accrued bonus remains unaffected by the claims made.
  • Wellness Benefit:We reward you for staying active! Thus, we offer up to 30% discounts on the renewal premium if you successfully achieve the healthy days’ target. (1 healthy day = 10,000 steps in a day). Based on the policy terms, if all the adult insured members achieve the healthy days target for 270 days, then you can avail of a 30% discount on the premium paid at the time of renewal.
  • Air Ambulance Cover:With the add-on benefit of air ambulance, you can get coverage for the expenses incurred towards shifting an insured patient from one hospital to another through an air ambulance. While Care Supreme offers road ambulance as an in-built benefit, the air ambulance add-on ensures you can get the proper treatment at the right time.
  • Claim Shield:With the claim shield, you can spare yourself from paying the cost of consumables! Opting for Claim Shield under the Care Supreme Health Insurance ensures you do not have to pay for the 68 non-payable items such as masks, sanitiser, gloves, PPE kit, etc.
  • Instant Cover:Lifestyle diseases such as Asthma, Hypertension, Hyperlipidemia, and Diabetes generally come with extensive waiting periods in the case of health insurance. However, with instant cover, you can waive the waiting period and get coverage for the ailments under set T&C after an initial waiting period of 30 days.
  • Reduction in PED Wait Period:Worrying about the long waiting period is the old story! With the Reduction in the PED Wait Period, you can now modify (or reduce) the waiting period for specified ailments from 48 to 36, 24, or 12 months as per the policy terms & conditions.
  • Care OPD:Health insurance generally offers coverage in case of hospitalisation. However, with the add-on benefit of Care OPD, you can get specified reimbursement for OPD consultations taken from four general physicians and four specified specialists.
    The list of specified specialists includes- Paediatricians, Obstetrics and Gynecologists, Homoeopathic Physicians, Dieticians, Diabetologists, Dermatologists, Pulmonologist, Psychiatrist, Cardiologist, Neurologist, Orthopedic, Surgeon, Nephrologist, Gastroenterologist, ENT Specialist.
  • Be-fit:Staying active is the secret to staying healthy! Thus, with the Be-fit add-on benefit, we offer unlimited free access to network fitness centres to all insured members above the age of 12 years.

Exclusions under Family Medical Policies

Our family health insurance is a comprehensive plan designed to offer an exhaustive coverage for all the insured members. However, there are certain conditions that may be out of coverage for our plans. The standard exclusions are as mentioned here after:

  • 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.
  • External Congenital Diseases
Please check out the policy terms and conditions to have a detailed idea on exclusions of a family health insurance plan.

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- 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 30 days-48 months for illnesses, except injury based on policy t&x.
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: Select a suitable health plan from the official website of Care Health Insurance.

Step 2: Enter your phone number and proceed to calculate the premium.

Step 3: Select the members that you wish to insure and fill out their age. Finally, fill in your current residential address pincode to get the correct premium.

Step 4:Take your time to analyse the different plans and 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 family health insurance.

Step 7: Proceed to purchase by filling in the proposer details, details of insured members, and your KYC details.

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, including your policy number and e-card, will be sent to your registered mobile number.You can always reach out to our representatives in case you need assistance during the policy purchase.

How to Renew Family Health Insurance?

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 of your health insurance plan on your policy documents. 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:

Online option

  • On the Care Health Insurance homepage, click on the ‘Renew the policy’ option.
  • Enter your policy number and verify the captcha to proceed.
  • Select the renew option available.
  • You can make changes in your policy like increasing the sum insured, changing the plan, customising the add-ons, etc.
  • Make sure to avail any ongoing offers, discounts, or accumulated bonuses (if any).
  • Submit the documents required.
  • Make the payment to complete the process.

Offline option

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.

How to File a Claim Under Family Floater Insurance?

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 and fill in claim form and submit documents including bills, reports, 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.

Documents Needed to File a Health Insurance Claim

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:

  • Duly filled claim form
  • The original discharge summary from the hospital
  • The original medicine bills, lab and diagnostic reports
  • The original hospital bill payment receipt

In case of an accidental hospitalisation, you need to submit the following documents as well:

  • MLC/ FIR copy (if applicable)
  • Alcohol history (if applicable)
  • Investigation reports (like X-Ray/MRI/CT Scan etc.)
  • Attested copy of indoor case papers
  • Invoice and the stickers required in case of implant surgery
  • In case the claim amount ranges above ₹1 lakh, you must provide a copy of any one of the following KYC documents:
  • Aadhaar Card, Passport, Driving Licence, and/or Voter ID

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:

  • A copy of the patient's medical ID card
  • A copy of the e-health card ( available at Care Health Customer Application)
  • Pre-authorisation letter
  • A valid government ID proof such as Aadhaar card.
Please note that your policy address must be same as the current residential address to avoid claim rejections.

Tips to Choose the Perfect Family Medical Insurance Policy

While choosing a family health insurance plan, you must look out for the following factors.

  • 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.

Factors Affecting Health Insurance Premium

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:

Age of the Oldest Member

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.

Pre-existing Diseases

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.

Lifestyle Habits

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 residence also plays a crucial role in determining the premium of a family health insurance plan. Locations with high calamity risks draw higher premiums, considering the chances of claiming the policy.

Type of Plan Chosen

The premium varies depending on the type of plan you choose. Although the premium goes up with more coverage and a higher sum insured, you get peace of mind that your finances will be protected even if multiple claims are registered 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 enhances the value for your coverage.


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.

Duration of the Policy

The tenure of the family health cover plays a major role in determining the premium of the policy. If you opt for a longer policy duration, you will be charged a lower premium amount. Alternatively, shorter family health insurance plans have a higher premium amount.

Common Mistakes While Opting for Health Insurance

Are you opting 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 see what are the common mistakes that customers often make and how you can avoid them:

Low-sum Insured

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.

Limiting to Basic Coverage

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.


Communicating Wrong Information


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.

Ignoring the Policy Fine-print

Reading the entire policy document may sound tedious, and many people tend to skip reading the policy documents 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.

Waiting for the Right Age

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, is a mistake.

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.

Taxability on Health Insurance

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

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.

No Claim Bonus in Family Health Insurance

A no-claim bonus is a reward given to all those healthy members of Care Health Insurance who haven't raised any claims in a policy year. It is a way of appreciating the healthy lives of insured members for remaining healthy. 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.

Please note that at Care Health Insurance, we offer the benefit of No Claim Bonus on Care Advantage Health Insurance plan. Whereas, under Care Supreme, we offer Cumulative Bonus and Cumulative Bonus Super which work regardless of the claims made.

Voice Of Customer

D GANGADHAR July 08, 2024
Care Supreme

Tension Free Service

I admitted my child due illness.I just intimated the company regarding the admission into hospital.within in the 30min.they approved pre authorisation for cashless treatment.really its wonderful....Thank God being a care policy holder because no one expects that hardles in our life .
abhishek April 23, 2024
Care Supreme

best health insurance

care is best health insurance best plan supreme
Reema Kumari April 23, 2024
Care Supreme

Mrs Reema Kumari

very good claim settlement care health support Mr Tushar Chandok And Chetan Sharma My Spouse Hospitalization Very good service i am happy care health insurance
Keshav Rawat January 18, 2024
Care Supreme

Best Health Insurance Company

Best Health Insurance Company
Rupali DHAINJE December 26, 2023
Care Supreme

Best Service in Claim

Care Health give us full Claim settlement in cashless and Reimbursement cases. With Advisor Mr. Rakesh Wani help us time to time in claim support services. Thank You CHIL Team and Mr. Wani.
Mahima December 19, 2023
Care Supreme

Nice service

This review is for the call centre person who suggested me to buy care supreme. I believe it is the best plan with best benefits and services.
Sandeep Singh December 18, 2023
Care Supreme

bad experience

6 months after buying this plan, i got gal bladder stones. I had to undergo surgery for which company did not settle my reimbursement claim saying I have to serve waiting period. Whats the point of buying insurance if i dont get claim Bad experience
Mahadeb Ghatak December 18, 2023
Care Supreme

Great Customer Service

I got full cooperation from care health Insurance specially Manicanchan Gupta regarding our claim under care supreme. Thanks
Megha Shailesh Gupta December 17, 2023
Care Supreme


Thank you for providing me plan like care supreme and your team gives good response regarding services and helps a lot. ek star wait karane ka kaatungi
Rahul Sangwan

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

Samanway Barik

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Health Insurance

Soubhagya K Kulkarni

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Health Insurance

Vaibhav Rai

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Health Insurance

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.


Awarded as Best
Health Insurance Company of the year^


48 LAKH+ Claims Settled*



^India Insurance Summit & Awards 2023

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. How long is a child covered under family health insurance plans?

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.

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.

Q. Can I get cashless hospitalisation for all the covered family members?

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.

Q. What tax benefits can I get if I pay the premium for mediclaim policy for family?

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.

~Tax benefit is subject to changes in tax laws. Standard T&C Apply

^^Number of Cashless Healthcare Providers as of 31st March 2024

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

**Number of Claims Settled as of 31st March 2024

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