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Family Health Insurance Plans

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.

Why choose Family Health Insurance Plans

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Written by:

Nidhi Goyal

Reviewed by:

Care Health Insurance

What is Family Health Insurance?

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.

Find the Right Health Insurance Plan for You

As one of the best health insurance companies in India, Care Health Insurance ensures optimum healthcare coverage complemented with an affordable premium. Here are some of our best health insurance plans in India:

Ultimate CareComprehensive Health Insurance Plan
Care SupremeAdvanced Health Insurance Coverage
Care AdvantageHigh Sum Insured Health Plan
Care Supreme- SeniorHealth Insurance for Senior Citizens

Ultimate Care

Get rewarded every 5 claim-free years with the exclusive Premium Payback feature.
Enjoy a 100% increase in coverage with continuous policy renewals.
Coverage doubles after seven consecutive claim-free years.
Tenure multiplier for one big claim up to the limit of the remaining SI.

Cover Amount₹5 lakh
Starting At₹9/day¹

Care Supreme

Cumulative Bonus Super to boost coverage up to 500% in 5 years.
Advanced Technology Methods and AYUSH Treatments Covered.
Unlimited Automatic Recharge during the policy year.
No Sub-limits on Room Rent or ICU charges.

Cover Amount₹5 lakh
Starting At₹16/day²

Care Advantage

Worldwide coverage up to ₹6 Crore for you and your family.
Advanced Technology Treatment covered up to SI.
Get a 10% bonus for every claim-free year, up to 50% of your SI.
Connect with general physicians through E-consultations.

Cover Amount₹1 Crore
Starting At₹26/day³

Care Supreme- Senior

No mandatory pre-policy medical check-up.
Boost coverage up to 500% in 5 claim-free years.
Unlimited Automatic Recharge during the policy year.
Access general physicians anytime through E-consultations.

Cover Amount₹5 lakh
Starting At₹48/day⁴

Why Do You Need a Family Health Insurance Plan?

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.

Who Should Opt for a Family Health Insurance Plan?

A family floater plan is recommended for:

Young couples planning long-term coverage who want a single policy that can easily include future family members.
Parents with children, requiring dependable, cashless hospitalisation at Care Network hospitals, without managing multiple individual plans.
Those who are value seekers and financial planners, looking for higher coverage at a lower combined premium.
Individuals currently maintaining separate health policies are seeking a cost-efficient, consolidated sum insured under one plan.
Those who prefer managing one policy instead of multiple individual plans.

How Does Family Floater Health Insurance Work?

One Policy for the Entire Family: Instead of managing separate health insurance plans, a family floater covers eligible family members under a single policy, making it easier to manage renewals, claims, and coverage.
Shared Sum Insured: All insured family members share a common sum insured. Any member can utilise the available coverage during the policy year, subject to policy terms.
Premium: A single premium covers the entire family, making it more cost-effective than buying separate policies.
Flexibility to Add New Member: As your family grows and healthcare needs evolve, you can add eligible members at renewal and continue protecting your loved ones under one plan.

Benefits of Family Health Insurance Plans

A family health insurance plan comes with built-in benefits that provide comprehensive coverage for your entire family, such as:

One Policy for the Family

Manage your family’s health cover with a single, easy-to-maintain policy. Pay one premium, track one renewal date, and protect all key family members under the same plan.

Easy Addition of Family Members

New family members can be added to a family floater health insurance plan easily. Children aged 0-180 days and spouses can be added at policy renewal by submitting a Change Request Form and paying the applicable premium.

Comprehensive Health Coverage

Family Health Insurance Plans offer wide-ranging benefits including pre- and post-hospitalisation, day-care treatments, and ambulance cover, along with cumulative bonuses, annual health check-ups, automatic recharge of sum insured, and more.

Policy Portability

As per IRDAI guidelines, portability requests can be made between 30 and 60 days before policy renewal by submitting the portability form, current policy copy, KYC details, and claim-related documents, if any.

GST-Free & Other Tax Benefits

Pay your premium without GST for direct cost savings and reduce your tax liability by claiming eligible deductions under Section 80D. You can save up to ₹75,000 annually while ensuring robust health protection.

Features of Our Family Health Insurance Plan

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:

Automatic Recharge

Your base cover automatically refills once it is exhausted, ensuring continuous protection throughout the year. The recharged amount can be used for the same or different illnesses.

Easy Cashless Access

Avail cashless treatment at 22,100+ network healthcare providers without upfront payments. Hospital bills are settled directly, allowing you to focus on recovery.

Medi Voucher

Two pharmacy vouchers of ₹250 each per policy are provided at the first renewal.

Annual Health Check-Up

With this add-on benefit, all adult insured members can avail a cashless annual health check-up at Care Health Insurance network labs, as per standard terms and conditions.

Customisable Health Benefits

Enhance your family health insurance with optional add-ons such as Infinity Bonus, Unlimited Care, Loyalty Boost, PED Wait Period Modification, or Instant Cover to suit your family’s needs.

Zone-Based Premiums

Premiums vary by location based on healthcare costs. Tier 1 cities generally have higher premiums, while Tier 2 and Tier 3 cities offer more affordable options aligned with local treatment expenses.

Why Family Health Insurance Works for All Age Groups

A family floater plan scales with your family’s needs at every life stage:

For Young Couples: Start coverage early with a single policy that protects both partners, reduces overall premiums, and prepares you for future family needs.
For New Parents: Extend the same plan to your newborn after the eligible period, ensuring seamless coverage without having to manage multiple policies.
For Growing Children: Get cashless treatment for common illnesses and unexpected medical needs through Care’s vast network of partner hospitals.
For Ageing Parents: Provide dependable support with broader coverage, automatic recharge features, and access to quality care when medical needs increase.
For the Entire Family: One policy covers preventive check-ups, hospitalisation, and ongoing health needs, offering unified protection under one reliable plan.

What is Covered and Not Covered Under Family Health Insurance Plans

Covered
Not Covered

With extensive benefits and wider coverage, we offer the best mediclaim policy for families in India, featuring the following built-in benefits and features. Also, it is important to understand the exclusions to avoid claim rejections and unexpected expenses:

Organ Donor

The surgical costs of the donor may be covered if the organ donation complies with the guidelines of the Government of India.

Day Care Treatment

You do not have to worry about daycare procedures such as cataract treatment, dialysis, etc., as they are covered under our best family health insurance plans.

Pre and Post-Hospitalization

Financial security, covering expenses from tests and doctor’s fees to post-treatment care, with coverage extending up to 60 days pre-hospitalisation and 180 days post-hospitalisation.

Advanced 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.

Wellness Benefit

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).

AYUSH Treatment

When modern medications fail, traditional treatments can be helpful and handy. Family floater plans offer coverage for alternative treatments (Ayurvedic, Naturopathy, Unani, Sidha and Homoeopathy) 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.

Initial Waiting Period

Illnesses diagnosed within the first 30 days of policy commencement, except for accidental injuries.

Pregnancy & Childbirth

Expenses related to pregnancy and childbirth, unless covered under a maternity benefit or add-on.

Self-Inflicted Injuries

Injuries resulting from self-harm, suicide, or attempted suicide.

Cosmetic Treatments

Procedures undertaken for aesthetic or cosmetic purposes.

Obesity / Weight Control

Treatments for obesity or weight management that do not meet medical necessity criteria under the policy.

Gender Change Treatments

Medical procedures related to gender reassignment or sex change.

Substance Abuse

Treatment arising from the use or misuse of alcohol, drugs, or other intoxicating substances.

War & Related Events

Hospitalisation due to war, riots, civil unrest, or nuclear-related incidents.

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:

Unlimited Care: It allows a single, large claim during the policy's lifetime to be paid, regardless of the coverage amount.
Premium Payback: It refunds the first-year base premium after each block of 5 consecutive claim-free years.
Claim Shield: This add-on benefit provides coverage for non-payable items under Annexure I (List I, II, III, and IV).
Early Renewal Discount: Enjoy a 5% discount on renewing your policy between 31 and 60 days before the renewal date, or a 2.5% discount within the 30 days.
Instant Cover: For Asthma, Hypertension, Hyperlipidemia, and Diabetes, post initial wait period of 30 days.
PED Wait Period Modification: The waiting period of claims related to PED shall be modified to 1 or 2 years from 3 years.

Who Can Be Covered Under a Family Health Insurance Policy?

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

Family Health Insurance Eligibility Criteria

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:

Criteria	Details
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	Initial Waiting Period: 30 days Named Ailments: 24 months Pre-Existing Conditions: 36 months
Grace Period	30 days to renew your policy post expiry

Difference between Individual and Family Health Insurance

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

How to Buy Family Medical Insurance Plans from Care Health Insurance?

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:

Explore and Select Your Plan: Visit our official website to explore the diverse range of family health plans
Enter Phone Number: Enter your phone number and click on Get a Quote. You will be redirected to the next page, then click on Calculate Premium.
Choose Insured Members:Select the family members you wish to insure, provide their age, and enter your current residential PIN code to receive an instant premium quote.
Review and Customise:Analyse the different plans and their benefits to choose the plan that suits your needs. You can also customise key aspects of your policy, such as tenure, sum insured and add-ons.
Receive Instant Quote: Once selected, you will receive an instant quote for your chosen family health insurance plan.
Provide Required Details: Proceed to purchase by filling in the proposer details, details of insured members, and your KYC details.
Secure Payment: Pay using a secure method such as a payment wallet, net banking, or a debit or credit card. You can also pay the insurance premium in EMI.
Policy Confirmation: Upon successful payment, your policy information, including your policy number and e-card, will be instantly sent to your registered mobile number.

Filing 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 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.

Bigger Claim for Emergency? Sorted!

Get one big coverage out of your remaining Sum Insured, with a multi-year policy.

How to Renew Family Health Insurance?

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.

Documents Needed to File a Family 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.

What is the Process for Adding or Removing Family Members from the Policy?

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:

Contact the Insurer: Reach out to customer service on WhatsApp at 8860402452 or your agent to request the addition or removal of family members from your policy.
Provide Required Documents: To add a member, you may need to submit documents like identity proof, relationship proof, or birth certificates. No additional documents are usually needed to remove a member, but it is essential to specify the request.
Recalculate Premiums: Adding or removing members may affect your premium. The insurer will calculate the new premium based on the number of members and their health conditions.
Get a Policy Endorsement: Once the changes are confirmed, the insurer will issue a policy endorsement, an official document reflecting the updated details.

Why You Should Buy Health Insurance Plans for Family Online?

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.

Factors Affecting Family 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 older, the risk of developing health issues 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 3 years.
Lifestyle Habits: The family members' lifestyle habits are also determining factors. The premium charged is often high for a prolonged habit of smoking in the family. Again, the nature of the occupation is crucial, as some professions with high health risks are likely to attract higher premiums.
Location: Your geographical location also plays a crucial role in determining the premium of a family health insurance plan. Locations with high calamity risk attract higher premiums, reflecting the likelihood of policy claims.
Type of Plan Chosen: The premium varies depending on the type of plan you choose. Although the premium increases with more coverage and a higher sum insured, you get peace of mind that your finances will be protected even if multiple claims are made in a policy year.
Add-ons: 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 enhance the value for your coverage.
Co-pay/Deductibles: 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 pay 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 higher premiums.

Common Mistakes While Opting for Health Insurance Plans for Family

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 they can be avoided:

Choosing a Low Sum Insured: Leads to higher out-of-pocket expenses during multiple medical needs.
The Right Approach: Choose a sum insured based on family size, age, and healthcare costs.
Limiting Coverage to Basic Benefits: May leave gaps when medical requirements increase.
The Right Approach: Opt for adequate coverage and relevant add-ons such as sum insured restoration.
Sharing Incorrect or Incomplete Information: Can result in claim rejection or policy cancellation.
The Right Approach: Disclose complete medical and lifestyle details at the time of purchase.
Ignoring Policy Terms and Conditions: May cause confusion around exclusions and waiting periods.
The Right Approach: Review policy wording carefully before buying.
Delaying the Purchase: Results in higher premiums and restricted coverage options.
The Right Approach: Buy early to secure broader coverage at lower cost.

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FAQs on Family Insurance Plans

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Health Insurance Terms
Coverage

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. Why are family health insurance plans suitable for all age groups?

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.

Q. How can I choose the best health insurance policy for family?

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.

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. 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 buy more than one family health plan?

Yes, you can buy multiple health insurance plans for family as per your convenience.

Q. How can I compare different medical insurance policy for family?

You can compare different medical insurance policies based on their sum insured, premium amount, in-built, optional benefits, and other medical expenses are the prime parameters to analyse different plans.

Q. Can I include my in-laws in a family health insurance plan?

You can propose/ buy a policy for your in-laws but can’t be with them in the same family floater.

Q. Can I buy health insurance for my family online?

Yes, visit www.careinsurance.com, enter your phone number and other details and buy a family health insurance online.

Q. How much health insurance coverage should a family have?

A coverage amount 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.

Q. What is the cost of Family Health Insurance in India?

The policy premium depends on several factors like pre-existing diseases of family members, zone, policy, and coverage level.

Q. How to select the right family health insurance plan?

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.

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.

Q. What would happen if I don’t pay my family health insurance premium?

Your policy will lapse, but grace period gives the freedom to make the premium payment without losing coverage or policy lapsing.

Q. Are pre-existing diseases covered under family health insurance plans?

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.

Q. Which add-on covers are best for family health insurance plans?

Reduction in PED wait period, tenure multiplier, instant cover are some of the prominent add-ons.

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. 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 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. Can I get cashless treatment in any city in India under family health insurance?

Yes, we have 22100+ healthcare providers all over the country which may provide cashless treatment to the insured.

Q. Can I get worldwide coverage under health insurance plans for family in India?

Yes, Care Advantage provides global coverage under certain policy terms and conditions.

Q. Can I include my newborn in the family floater policy?

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.

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