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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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Get Comprehensive Protection with Family Health Insurance

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    Reasons to Choose Care Health Insurance?

    • Healthcare Networks
    • Claim settled ratio
    • Claim settled

    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)



    Why do You Need a Health Insurance Plan for Family?

    Here's why you shouldn’t ignore buying health insurance plans in India for your family:

    Therefore, this goes without saying that health insurance family plans are a blessing in disguise if you have any medical emergency and fall short of finances. Choosing the best medical policy for the family will give you financial assistance and mental peace.

    Quick Tip: Our Care Freedom plan covers medical conditions like Obesity, High Blood Pressure, and Diabetes (Type 1/Type 2).

    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 arrow close

    KEY FEATURES 5L / 7L / 10L 15L/ 20L/ 25L/ 30L/ 40L 50L/ 60L/ 75L 1Cr/ 2Cr/ 3Cr/ 6Cr
    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
    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
    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
    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
    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
    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
    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
    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
    Alternative Treatment Up to Rs.20,000 Up to Rs.30,000 Up to Rs.40,000 Up to Rs.50,000
    No Claim Bonus##
    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
    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
    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
    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 Up to SI Up to SI Up to SI
    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!

    Benefits of Buying Health Insurance Family Plans

    You can reap maximum benefits from family health insurance plans if you have decided to buy comprehensive health insurance plans for your family at the right time. Below listed are a few of the benefits you should be aware of beforehand-

    • Health Insurance policy for family offers comprehensive coverage, including in-patient care expenses.
    • Mediclaim for family comes with high-tech tracking that reduces the waiting time during the claim filing process
    • With family health insurance plans, your family is entitled to claim Section 80D tax benefits, up to Rs 75,000, under the Income Tax Act on the premium amount paid for self, family, and parents.
    • Your entire family can be covered under health insurance plans for family.
    • Adding new members and renewing your policy is easy and convenient if you choose comprehensive medical insurance for family.
    • Enhance your coverage with robotic surgeries and therapies to treat critical illnesses at specialised healthcare centres under mediclaim policy for family.
    • With medical policy for family, you can insure two or more family members at affordable premium rates.
    • Add-on covers such as Covid care with OPD, reduction of PED waiting period, NCB Super etc. to increase the basic policy benefits
    Reasons to choose Family Health Insurance

    Eligibility Criteria for Family Health Insurance

    A family insurance plan offers monetary and healthcare support to all your family members for a payout of a single premium. Below are the details of how many members you can enroll under our family health policy:

    Eligibility Criteria Details
    Minimum Entry Age Individual- 5 years, Floater- 91 days with at least 1 insured person aged 18 or above
    Maximum Entry Age No Upper Age Limit
    Exit Age No bar
    Maximum Members Covered 6 persons on either Individual or Floater basis
    Premium for 4 Members Approx INR 27,000** annual premium for a family of 4 (2 adults + 2 children)

    **Premium amount may vary as it depends on many factors like pre-existing diseases, lifestyle, insured members’ age, add-on covers, and more. The mentioned premium is for a family of 4 members (2 adults + 2 children) with the eldest member’ age between 36 to 40 years. Please check the brochure for more details.

    Add-ons to cover your specific needs

    Covid Care With OPD

    Covid Care With OPD

    Get Covid Care with up to 1% of SI as OPD benefit after Govt. authorized confirmative diagnosis.

    See Details
    Covid Care

    Covid Care

    Covers expenses incurred for treatment/quarantine for (COVID-19) with a confirmative diagnosis from Govt. Authorized Centre.

    See Details
    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

    An Add-On cover that takes care of expenses incurred on Doctor Consultations, Pharmacy & Investigative Tests.

    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
    Global Coverage

    Global Coverage

    Avail hospitalization expenses outside India

    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

    STEP 1


    Intimate within 24 hours of your hospitalization

    Planned Hospitalization

    Intimate us 48 hours prior to your hospitalization

    STEP 2


    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

    Discount upto 20% on Health Insurance Premium Discount upto 20% on Health Insurance Premium


    Look for hospitals around you

    Detailed Hospital List
     19000+ Health Care Providers Across The Globe

    20800+ Cashless Providers

    19000+ Health Care Providers Across The Globe

    Voice of our Customers

    Mahendra Kumar

    review My wife got a knee injury and hospitalized for a week. Most of the hospitalization expenses were covered under the family floater policy. The claim settlement was quick and hassle-free. Happy with the services.

    Narang Sahu

    review Good Customer Care Service. Highly recommend it to friends and family.

    Ajeet Pai

    review I am happy with the Care- Health Policy from Care Health Insurance. I got the call back in just 5 min, and Mr. Rajan was very helpful during the entire buying process. Good Job!

    Sulekha Bhardwaj

    review My search for the most comprehensive family health insurance ends here. Mr. Rama was very helpful and explained the policy features in detail. Premium is affordable, and we now feel secure! Thanks, Care Health Insurance.

    Shaila Gupta

    review Recently purchased care -health plan online from the website. It is very much pocket-friendly. Good Customer Service by Nadeem! All questions were answered promptly.
    Ankita Sharma

    My appreciation for your prompt service

    At the outset, I would like to express my appreciation for your prompt service in taking up the case regarding my claim. I have received timely intimation regarding the acceptance of my claim amount settled by you.

    Ankita Sharma

    Health Insurance

    Indubala Nambiar

    We will continue to avail of your scheme

    Thank you for settling the claim amount. It helped me a lot during my tough time. The process is smooth and hassle-free. I will continue with Care Health Insurance and recommend it to my friends as well.

    Indubala Nambiar

    Health Insurance

    Vikas Singh

    Everything went very smooth

    I would like to pass on my appreciation for Virender, who guided me during the difficult time. He helped me at every stage and didn't keep me waiting. Due to his efforts, I was relaxed and everything went very smooth.

    Vikas Singh

    Health Insurance

    Sahil Khattar

    Really helpful explaining the process in advance

    I just wanted to thank you for the exceptional response from you on the recent cashless hospitalization request related to my mother's operation. You were really helpful throughout.

    Sahil Khattar

    Health Insurance

    Aditya Sharma

    Finalising my claim in a short period

    I must express my profound appreciation for finalising my claim in a short period. I have heard of insurance companies holding payment or rejecting it outright on very flimsy grounds was not the case with Care health insurance, May your tribe grow more

    Aditya Sharma

    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 is one of the renowned health insurers serving this industry for quite a long time. Health insurance policies offered by the insurer are designed keeping the needs of the customers in mind. . CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible comprehensive coverage. With a robust number of 20800+cashless hospitals, 95.2% CSR ratio and more than 30 lakh claims settled till date, Care Health Insurance no doubt can be a good choice for addressing your health insurance needs.


    Awarded as Claims
    Leader of the year


    30 Lakh + Claims Settled^^


    Cashless claim processing
    in approx. 2 hours

    ^^number of claims settled as on February, 2022

    Exclusions of Mediclaim Policy for Family

    *For a complete list of exclusions about family mediclaim insurance, please refer to policy TnC.

    How to Choose the Best Family Health Insurance Plans in India in 2022?

    Choosing the right health insurance family plans is a smart decision. Look for these features to find India's best family health insurance plans:

    The process of buying best health insurance plan for family gets easier if you are aware of the list of things that are recommended to be considered when you are up to buying best health insurance for family.

    Why Choose Family Insurance Plans Online?


    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 spelled 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.

    An extensive comparison of health insurance family plans will definitely help you buy one that suits your needs the best. Also, choose the best mediclaim policy for family in India which has the limit of maximum amount of claim instead of number of claims.

    How to Buy Medical Insurance for Family?

    Medical costs are constantly rising, so now is the best time to get health insurance plans for family right away. Signing up for one of the best health insurance plan for family online is easy.

    Here's how:

    Your policy document related to health insurance plans for family will be sent to the email address you entered. It will include your policy numbers and your e-card.

    How do Health Insurance plans for Family Work?

    For instance a person wants a health insurance for himself, his spouse & their children; the Family Floater Health Insurance plan offers insurance coverage to the entire family under one premium payment. In this case, the person insures himself, his spouse & the dependent children with the individual insurance plans with a sum insured of Rs. 5 lakh each, he ends up paying premium ranging between Rs. 14,000 to 15,000 for each family member. On the other hand if the person opts for the best mediclaim policy for family in India with the sum insured of Rs. 5 lakhs, the total premium would surely be less than the separate premium payments in individual health insurance plans. Rs. 5 Lac is available for each of the family members individually as well as collectively under family health insurance policy. Hence, your insurance provider will highly recommend you to buy family health insurance plans if you have a family that includes spouse, children and parents.

    FAQs on Family Insurance Plans


    Oops! No results found for your keyword search

    Most Frequently Asked Questions

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

    Yes, at any of our in-network hospitals you can avail cashless facility with our best mediclaim policy for family.

    Q.Where can I buy the best health insurance for family?

    It is not easy to buy the best family mediclaim policy in India due to the number of plans available online. You can purchase Care’s family floater health insurance at the Care Health Insurance site and select a suitable health plan. You can purchase the desired policy through our secure digital payment modes.

    Q.Who can be covered under a family health insurance policy?

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

    Q.What is the difference between a family health insurance and individual health insurance?

    Health Insurance for family covers more than one family member in a single policy. Under Individual health plans, only one member can be covered and the policy coverage is enjoyed by the insured member only.

    Q.Why is it necessary to accurately disclose my or family member’s current health status while buying the best health insurance for family?

    Insurance is a contract of utmost good faith. Declaring the correct and accurate health status at the time of buying health insurance plans in India for family ensures smooth processing of your application. This will also help us serve you in a better manner.

    Q.What is beneficial for me – Family Floater Health Insurance or an Individual Insurance?

    Buying an individual cover or a family floater health insurance is an individual's perception. However, as a general rule, health insurance for family is advisable if you have a family that includes spouse, children and parents.

    Unlike individual plans, health insurance policies for family give you and your family medical coverage. You will not have to pay different premiums for a health insurance policy for family.

    Q.What is a No Claim Bonus?

    No claim bonus is a reward the insurance company offers for not claiming your health insurance policy. This bonus can be availed as an increase in the sum insured. CARE offers a 10% increase in the policy sum insured for every claim-free year, with no change in premium. A maximum bonus of up to 50% is permissible.

    One can be benefitted from No Claim Bonus in both family mediclaim policy and individual mediclaim insuranceIn case of claim, the accumulated bonus is reduced by 10%.

    Q.How does the auto recharge feature work under best family health insurance?

    Under family mediclaim insurance, we will automatically recharge the sum insured, in case the sum insured is exhausted during the policy year. The sum insured will be recharged once in a policy year. Recharged Sum Insured can be used for future claims. However, this benefit is not applicable for an illness/disease for which a claim has already been made in the current policy year.

    This benefit is available in both health insurance for family and individual health insurance.

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

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

    Q.What are the policy period options for health insurance family plans?

    You can get a policy for one, two, three years with a lifelong renewal option under health insurance family plans.

    Q.Does the mediclaim for family offer coverage for AYUSH treatment?

    Yes, the mediclaim for family offers coverage for AYUSH treatment.

    Q.How do I cancel my family health insurance plan?

    We offer a free look period of 15 days to review your policy terms and conditions. In case you are not satisfied with the Care mediclaim policy plan, you can request to cancel your policy during this period. You will be charged the pro-rated premium for the period during which your policy was in-force, the cost of pre-policy health check-up, if any, and the stamp duty. The balance premium would be refunded.

    Q.What is Co-Payment?

    Co-pay is that part of your claim amount, which you have to bear after attaining a certain age. Co-pay can be in % terms or an absolute amount. For example, in case of co-pay of 20% with a claim of Rs. 10,000, we will pay you Rs. 8,000 (80% of 10,000) and you will bear 20% (Rs. 2,000). There is no co-payment clause with Care Health Insurance up to the age 60 years.

    Q.What are the documents required for portability?

    You can apply for CARE mediclaim policy plan under portability benefit with the following documents:

    • CARE proposal form
    • Portability form
    • Copy of expiring health insurance policy
    • Copy of renewal notice

    Q.Can I take multiple health insurance policies?

    You can get multiple health insurance mediclaim policies and use the benefits of each. You can select any of these policies to settle the claim, provided the claim payable is up to the sum insured of such a policy. If the claim amount under one policy exceeds the sum insured, you can choose an insurer to settle the claim. If you have selected Care Health Insurance, we will settle your medical expenses, subject to the policy T&C.

    Q.Can I increase my sum insured during the policy tenure under health insurance policy for family?

    The sum insured can be increased when you renew your health insurance for family, subject to the underwriting decision of the company.

    Q.Is COVID-19 treatment covered under Care Health Insurance family plans?

    Yes, Coronavirus treatment is covered under Care health insurance plan for a family. It covers medical expenses related to coronavirus treatment.

    Q.Can we add family members to health insurance family plans?

    You can add family members to an existing policy at the time of renewal.

    Q.Can I add my parents to my existing family medical insurance?

    You can add your parents, but we advise our senior citizen plans to ensure greater coverage. It will also cost less because the price of a family policy is based on the eldest member's age medical insurance for family. This way the premium for your parent’s policy will be affordable.

    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 family medical insurance claim?

    Go to the claim section of our website and enter your relevant details to check your claim status.

    Q.When and why do you need the best mediclaim policy for family?

    Ideally, you should buy the best mediclaim policy for family before any health emergency knocks at your door. Most importantly, family plans lower your financial burden against India's expensive healthcare treatment costs. Given the pandemic, your family needs appropriate access to quality medical treatments at affordable rates. That's possible only with family medical insurance.

    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 till 25th March 2022

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

    #Claim Settlement Ratio is for FY 19-20 and number of claims settled till February 2022.

    ^^Number of Cashless Healthcare Providers till 25th March 2022.


    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



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