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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.
Cover Highlights
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).
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:
KEY FEATURES | ₹5L / 7L / 10L | ₹15L/ 20L/ 25L/ 30L/ 40L | ₹50L/ 60L/ 75L | ₹1Cr/ 2Cr/ 3Cr/ 6Cr |
---|---|---|---|---|
Pre-hospitalization
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 |
Post-hospitalization
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.
|
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/ Hospitalization |
Upto Rs.2,500/ Hospitalization |
Upto Rs.3,000/ Hospitalization |
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.
|
||||
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 | - | - | - | |
Vaccination Cover | - | - | 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!
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-
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.
20800+HEALTH CARE PROVIDERS SERVE CASHLESS MEDICAL SERVICES ACROSS THE GLOBE
Look for hospitals around you
20800+ Cashless Providers
*For a complete list of exclusions about family mediclaim insurance, please refer to policy TnC.
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.
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.
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:
Go to the Care Health Insurance site and select a suitable health plan.
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.
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.
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Most Frequently Asked Questions
Yes, at any of our in-network hospitals you can avail cashless facility with our best mediclaim policy 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.
You can cover yourself, spouse, dependent children, and parents under family health insurance policy.
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.
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.
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.
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%.
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.
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.
You can get a policy for one, two, three years with a lifelong renewal option under health insurance family plans.
Yes, the mediclaim for family offers coverage for AYUSH treatment.
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.
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.
You can apply for CARE mediclaim policy plan under portability benefit with the following documents:
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.
The sum insured can be increased when you renew your health insurance for family, subject to the underwriting decision of the company.
Yes, Coronavirus treatment is covered under Care health insurance plan for a family. It covers medical expenses related to coronavirus treatment.
You can add family members to an existing policy at the time of renewal.
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.
Yes — subject to the policy terms and conditions.
Go to the claim section of our website and enter your relevant details to check your claim status.
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!
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