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Care - Family Health Insurance

Care- a family health insurance plan fulfilling the healthcare needs of you and your loved ones with all the protection under one roof.

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Reasons to Choose Care Health Insurance?

  • Healthcare Networks
  • Claim settled ratio
  • Claim settled

Get Comprehensive Protection with Family Health Insurance

Get a Free Quote

Save Upto 10% on Health Insurance Premium##

arrow_back Select Family members you want to cover

arrow_back Select the age of each family member

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What is Care - Health Insurance Plan for Family?

Care is a family health insurance plan that safeguards you and your family against financial risks arising from a medical emergency with one single premium. With 'Care' by your side, you can be assured that you or any insured members get unified protection while unwell. We take up all the hassles related to your treatment cost so that you can stay worry-free and focus only on your recovery.

The sum insured in the policy serves as a pool of funds for everyone to use. Any insured family member may use the sum insured in whole or in part to pay for hospitalisation and other medical expenses. You also have the flexibility to add new members as and when you wish as per family expansion.

Plan Highlights of Care Family Health Insurance

  • Minimum entry age 91 days with at least one insured member’s age 18 years or above
  • No upper limit on maximum entry age
  • Family-specific policy where other members can be added
  • Age of the proposer should be 18 years or above
  • Option to avail personal accident cover
  • Deductible applicable as per policy terms and condition

Cover Highlights

Health Check-Up

Annual health

Robotic surgery

Robotic surgery


Emergency Ambulance


(more or less than 24 hrs)



Features of Care Family Health Insurance

You can easily choose the best family floater health insurance plan in India, regardless of the size of the family or the age of the elder member in the family. Here are the features and benefits that make buying the best family health insurance plans in India worthwhile:

See all Sum Insured Options east

KEY FEATURES 5L / 7L / 10L 15L/ 20L/ 25L/ 30L/ 40L 50L/ 60L/ 75L 1Cr/ 2Cr/ 3Cr/ 6Cr
info Covers the relevant medical expenses such as investigative tests, routine medication, etc. incurred by you up to 30 days before your hospitalization.
30 Days 30 Days 30 Days 30 Days
info Refers to medical expenses incurred on doctor’s consultation fee, prescribed diagnostics and prescribed medicines 30 days before date of admission and 60 days after date of discharge
60 Days 60 Days 60 Days 60 Days
Day Care Treatment
info Covers medical expenses if you undergo a day care treatment which might not require you to stay hospitalized for 24 hours or more. As a matter of fact we cover over 540+ day care procedures.
tick-mark tick-mark tick-mark Upto SI
Room Rent
info Covers expenses occurred while you're staying in a hospital. You can also upgrade your single private room should there be a need to and is recommended by a treating doctor.
Single Private Room Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
Single Private Room
(upgradable to next level)
ICU Charges
info Take care of ICU charges incurred during your hospitalization.
No Limit No Limit No Limit No Limit
Doctor Fees, etc. No Limit No Limit No Limit No Limit
Daily Allowance - - - -
Ambulance Cover
info In case of an emergency, we reimburse expenses incurred by you for availing a domestic road ambulance during your hospitalization.
Upto Rs.2,000/
Upto Rs.2,500/
Upto Rs.3,000/
Upto Rs.5,000
Domiciliary Hospitalization
info In case hospitalization is not possible , then we cover for medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days.
Upto 10% of SI Upto 10% of SI Upto 10% of SI Upto 10% of SI
Annual Health Check-Up
info To regularly monitor the health and well being, of each insured member, they get one health check-up in every policy year. We have already identified set of test that are covered under policy and you can book your health check-up appointment by using Care customer mobile app
For All Insured Members For All Insured Members For All Insured Members For All Insured Members
Maternity Cover - - Up to Rs.1,00,000 Up to Rs.2,00,000
AYUSH Treatment Up to SI Up to SI Up to SI Up to SI
No Claim Bonus##
info On renewal we will reward you by increasing your SI by 10% in case no claim is made in a Year before renewal. Maximum increase will not to exceed 50% in policy lifetime. If claim is made No Claim Bonus will be reduced by 10% on renewal. NCB Super is an optional benefit that increases your sum insured amount by 50% every claim-free year, up to a maximum of 100%. You can add NCB Super benefit to your policy by paying a slightly increased premium.
Up to 150% of SI Up to 150% of SI Up to 150% of SI Upto 50% of SI
Organ Donor Cover
info Covers the medical expenses that are incurred on treatment of an organ donor while undergoing the organ transplant surgery.
Rs.1,00,000 Rs.2,00,000 Rs.3,00,000 Rs.5,00,000
Second Opinion
info If you feel uncertain about your diagnosis, you can opt for a second opinion, arranged by us.
tick-mark tick-mark tick-mark tick-mark
Automatic Recharge of Sum Insured
info In case your sum insured is exhausted during long hospitalisation or due to multiple family members being hospitalised at same time, an amount equal to policy sum insured will be automatically added to your policy.
Up to SI(Once in a Policy Year) Up to SI(Once in a Policy Year) Up to SI(Once in a Policy Year) Up to SI(Once in a Policy Year)
Care Anywhere - - tick-mark -
Vaccination Cover - - tick-mark Up to Rs.10,000 for children up to 18 years of age.

##No Claim Bonus = upto 50% increase due to No Claim Bonus +upto 100% increase due to No Claim Bonus SUPER( Optoinal Benefit)

*Kindly refer to the policy document to check the complete list of health insurance features for family.


Download the Brochure for Care Complete Plan Details

Download Care complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Add-ons to cover your specific needs

No Claim Bonus Super

No Claim Bonus Super

You can increase your sum insured amount by 50% for every claim free year up to a maximum of 100%.
See Details
Care Shield

Care Shield

An add-on cover that offers 3 benefits claim shield, no claim bonus shield and inflation shield.
See Details
Reduction in PED Wait Period

Reduction in PED Wait Period

This Optional Cover reduces the applicable PED wait period from 48 months to 24 months.
See Details

OPD Care

Get Coverage of up to ₹50,000 for doctor consultations, prescribed diagnostics and prescribed pharmacy.
See Details
Unlimited Automatic Recharge

Unlimited Automatic Recharge

Option to recharge the Sum Insured unlimited times
See Details
Everyday Care

Everyday Care

Get covered up to 2% of your Sum Insured for doctor consultation & diagnostic tests.
See Details
International Second Opinion

International Second Opinion

Covers expenses for consultation from International Medical experts
See Details
Air Ambulance Cover

Air Ambulance Cover

We pay for your necessary ambulance expenses
See Details
Co-payment Waiver

Co-payment Waiver

An Add on cover for 20% Co-payment Waiver
See Details

Health Insurance Family Plans Details

  • Minimum entry age is 91 days.

  • No upper age limit for enrollment.

  • Life long Renewability of policy under the prevailing health insurance product or its nearest substitute approved by IRDAI.

  • Co-payment - While buying or renewing a policy at age 61 years and above, customers will have the choice to include or exclude the co-payment feature that implies -

    • Continuing the policy with 20% co-payment

    • Continuing the policy without 20% co-payment by opting for a waiver benefit.

  • Premium to be paid on renewal and the subsequent continuation of cover are subject to change with prior approval from IRDA.

  • 30 days waiting period for claim for all illnesses, except injury.

  • Grace period of 30 days to renew your policy once it expires.

Download Terms & Conditions
  • Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 30 days of Policy Period Start date.

  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide).

  • 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

  • Congenital disease

  • Tests and treatment relating to infertility and in vitro fertilization.

  • War, riot, strike, nuclear weapons induced hospitalization.

For complete list of exclusions please refer to policy TnC



Intimate within 24 hours of your hospitalization

Planned Hospitalization

Intimate us 48 hours prior to your hospitalization



Request for pre-authorization


Claim from submission

Complete the pre-authorization form available
at the hospitals insurance/TPA Desk and send us through fax.



Approval letter sent by the claim management team



Hospital/Insured to response to the query raised by the claim management team



You may initiate the treatment and file for reimbursement claim

Submission of claim form along with required
documents, as per the policy terms & conditions



Approval letter sent by the claim management team



Insured to response to the query raised by the claim management team



We will communicate the reason in case of rejection


Look for hospitals around you

Detailed Hospital List
22900+ Health Care Providers Across The Globe
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Voice of our Customers

Ashutosh Sapra

Prompt Service

My wife got hospitalised due to severe stomachache and doctor suggested immediate surgery. I only had to call the cashless claim team and they processed the claim before surgery and approved it as soon as the surgery happened. Thank you for saving me last moment.
Nikhil Anand

Gud and helpful

Great plans for family and senior citizns. I appericiate!!!!!!!
Fahaad Nafees


mujhe inki service achi lagi or kaafi help bi ho gyi jab meri tbiyat khrab hui. bas thode se paise khud dene pde.
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 Claims

Best Health Insurance
Company of the Year*

Total Claims Paid

38 Lakh + Claims Settled**

Cashless Claim


**Number of claims settled as of 30th June 2023     *India Insurance Summit & Awards 2023

FAQs on Family Insurance Plans

Q.Is there a cashless facility with Care family insurance plans?

Yes, at any of our cashless healthcare providers, you can avail cashless facility with our best mediclaim policy for families.

Q.Who can be covered under Care’s family health insurance policy?

You can cover yourself, your spouse, dependent children, and your parents under the family health insurance policy.

Q.Do my family members or I need to undergo a Medical Check-Up while buying a Care family mediclaim policy?

You may be required to undergo a medical check-up while buying Care health insurance mediclaim for the family if any member insured is above 45 age or for a sum insured of Rs. 15 Lakhs or above.

Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly, Do refer IRDAI guidelines for tax exemption conditions.

*Features available with additional Add-on ,*NCB will not be lost if claimed amount is less than 25% of SI, Coverage is available in Government Authorized Centre *For detailed list of non-payable items refer Annexure I of policy details.

#Annual premium for product 'Care' and 'Care Shield (add on)' is Rs. 6160/-(excl. GST) for 1 adult falling under the age bracket 05-24 years, 1 Adult 18-24 age group 3 Yr with NCB Super (Add-on).

^^Number of Cashless Healthcare Providers as of 30th June 2023

**Number of Claims Settled as of 31st May 2023

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


Download the Brochure for Care Complete Plan Details

Download Care complete plan details

Read Through it!
Get Complete Policy Details in the Brochure With Our Expert Assistance!

Reach out to us
Whatsapp 8860402452
phone_in_talk 1800-102-4499



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