Family Health Insurance
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  • Affordable coverage
  • Cashless hospitalisation
Family health insurance
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Health Insurance Plans for Family

Cover your entire family under a single health plan.

When it comes to protecting your family, nothing you do is considered too much. You take extra care in everything, be it ensuring that your children get the best education or taking care of your aged parents and loving spouse, you leave no stone unturned. This is why when it comes to keeping your family safe, you should not settle for anything but the best. There are several insurance products available in the market but a family health insurance plan stands out the most.

Family health insurance plans allow you to cover up to 6 family members under one mediclaim policy. It is a type of health insurance plan for which you pay a single premium amount for a family floater plan and the sum insured splits among all the covered members. In case a family member has a critical medical condition, he/she can use the entire cover to manage the treatment expenses.

You can cover Yourself, your spouse, dependent children, parents, and even parents-in-law under a family medical insurance plan. Most family medical insurance plans offer cashless hospitalization, maternity benefits, and coverage for both pre and post-hospitalization. Family medical insurance plans also cover expenses related to COVID-19 hospitalization.

For example, a policyholder buys a family health insurance plan of INR 30 lakhs and adds 5 family members to the policy. Suppose the policyholder's mom gets hospitalized and the medical bills cost around INR 28 lakhs - the cover can be used to settle this bill. The remaining amount of INR 2 lakhs can be used for the treatment of another family member in the same policy year.

Who can be covered under family medical insurance?

  • Yourself
  • Spouse
  • Dependent kids (maximum 4)
  • Parents or Parents-in-law (maximum 2)

What is Family Health Insurance?

Family Health Insurance plans are health plans providing cover to your entire family. The differentiating factor between individual plans and family plan is that family plans provide coverage to every member of your family on a single premium. This means that you do not have to pay separate premiums for each individual, regardless of their age. The best family health insurance plans in India cover spouses, children, parents, and even parents-in-law under a single policy.

Top 10 Family Floater Health Insurance Plans
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Why buy a Family Health Insurance?

As we all know, the cost of the healthcare sector has risen drastically. It becomes very difficult to cover the costs of doctor visits, hospitalization, and medicines because of high inflation. It is also evident that a health emergency can strike at any time and can affect people of all ages. This is why family medical insurance is so important. It safeguards your entire family with the necessary financial cover in difficult and unprecedented times.

There are many benefits of buying a family health insurance:

  • The possibility of suffering from a severe disease is increasing every day which is why purchasing adequate health insurance for your family members is no longer a choice but a necessity. Family health insurance plans make it affordable to cover your family members. The benefit of a health insurance plan for the family is that you pay a single amount for one plan and secure everyone under it.
  • Paying a premium for different policies can be a hassle, exhausting and confusing which is why a family health plan is convenient and hassle-free. A family plan bridges this gap and simplifies payments, making the process entirely stress-free.
  • It also facilitates you to claim tax benefits on the premium paid for family health insurance plans under section 80D.
  • You can enjoy family discounts depending on the number of members and their ages and multiple benefits such as maternity cover, these additional features make family packs a more viable option than individual plans.

Eligibility criteria to buy family health insurance plans in India.

Every Health Insurance plan in India for a family comes with eligibility criteria. The table below shows the common eligibility criteria for health insurance plans in India for family.

Category Eligibility
Minimum Entry Age Adult: 188 years, Children: 90 days
Minimum Exit Age Adult- 65 years, Children- 25 Years
Family Members Covered You, your spouse, dependent children, dependents parents, and parents-in-law
Renewability Lifelong

Best Health Insurance Plans for Family in India 2023

There is a wide range of family medical insurance plans in India, out of which here are some of the top health insurance policies for families to make your search easier. PolicyX has shortlisted these plans on the basis of maximum cover amount, comprehensive coverage and benefits, flexibility, reliability of the insurance provider, a huge list of network hospitals, etc.

Family Health Plans Sample Annual Premium
2A+2C | 30Yr | 10L
Benefits Eligibility
Star Health Comprehensive Plan INR 24686
  • Auto Restoration
  • Hospital Daily Cash
  • Air Ambulance Expense
Sum Insured: 5 Lakhs to 1 Cr
Entry Age: 3 months to 65 years
Star Family Health Optima INR 20345
  • Daycare Procedures
  • Pre and Post Hospitalization
  • Road Ambulance
Sum Insured: 3 Lakhs to 25 Lakhs
Entry Age: 18 years to 65 years
Care Plan INR 20177
  • Organ Donor Cover
  • Domiciliary Hospitalization
  • Ambulance Cover
Sum Insured: 3 Lakhs to 75 Lakhs
Entry Age: 91 days to no upper age limit
Niva BUPA Health Companion INR 21631
  • Emergency Ambulance
  • Rome Rent Cover
  • Animal Bite Vaccination Covered
Sum Insured: 2 Lakhs to 1 Cr
Entry Age: 91 Days to no upper limit
Niva BUPA Health Reassure INR 20421
  • Emergency Ambulance
  • Accommodation Cash Benefit
  • Day Care Treatment
Sum Insured: 3 Lakhs to 1 Cr
Entry Age: 18 years to 65 years

You can find the details of the above-mentioned family insurance plans in the section below:

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Health Checkup for Claim-Free Years.
  • Hospital Cash Benefit
  • 100% Automatic Restoration

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

A comprehensive health plan for individual and family with SI of 3 lacs to 6 Cr. with global coverage.

Unique Benefits

  • In-built maternity cover
  • No upper age limit for enrollment
  • Coverage for modern treatments

A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakhs to 1 crore) and keeps giving you more benefits.

Unique Features

  • Covers up to 6 members
  • Unlimited SI restoration
  • Coverage for modern treatment

Protect your entire family with smart features that provide you with everything you need under a health insurance plan.

Unique Features

  • No room rent capping
  • 20% increase in SI as no-claim bonus
  • 100% SI restoration

You can find most popular and best health insurance policies at

Family Health Insurance Companies

Explore top health insurance companies to buy the most suitable mediclaim policy for families.

Factors to Consider While Buying Health Insurance Plan for Family

Buying a health insurance plan for a family is a huge responsibility as it provides you the required medical support, healthcare facilities, and ease of receiving quality medical treatments in an emergency. Therefore, several aspects should be considered carefully before purchasing a mediclaim for a family to ensure it meets all your needs. These are:


Check the coverage benefits offered under the plan such as expenses covered, sum insured options, key benefits, add-on riders, critical illness cover, etc.

Network Hospitals

Check the list of network hospitals to avail of cashless hospitalization facilities. Choose an insurance plan from the insurer, offering a wide range of network hospitals.


Always go for the plan that meets your requirements in terms of the sum insured, the number of members covered, minimum and maximum entry age.

Claim Process

Go for an insurer that has a simple, quick, and hassle-free claim settlement process.


Pick the plan offering maximum flexibility to add features, increase the sum insured at the time of renewal, etc.

Number of family members covered

When it comes to buying a mediclaim for family, the number of family members covered becomes a crucial thing. Most health companies covered 5 dependents other than the policyholder.

Sum insured enhancement option

Many health insurance companies offer a "No Claim Bonus" of up to 100% which means if you do not claim in a policy year, your sum insured will increase up to 100% at the time of renewal of the policy.

Add-on Riders

Always go for the plan that offers a good number of add-on riders as add-on riders cover the costs of additional expenses. You can get these additional riders by paying a little more premium.


Choose a family health insurance plans that offer lifelong renewability.

Benefits of Family Health Insurance

Health insurance policy for families provides various advantages to the insured members such as:

  • Cashless Hospitalization: Policyholders can avail hospital facilities without having to worry about paying hospital bills.
  • Health Insurance for parents: You can also cover your elderly parents under the same mediclaim for family.
  • Affordable Premiums: You don't have to pay individual premiums for each family member under a family health insurance plan. you can cover your spouse, child, and parents under the same plan at an affordable cost.
  • Add new members: Policyholders can add new members under a family health insurance plan at the time of renewal.
  • COVID-19 Treatment: Family health insurance plans in India covers the cost of covid-19 related treatment.
  • Tax Benefits: Policyholders are eligible for a tax benefit under section 80D of the Income Tax Act.
Benefits of Family Health Insurance

Required Coverage for Family Health Insurance

A family cover should be at least 200% of your annual income.

Calculate the ideal coverage amount in order to receive sufficient medical support under health insurance for the family. Consider the following aspects while deciding a cover for mediclaim policy for family.

  • Numbers of members covered
  • Age of the members covered
  • Health history of members covered
  • Lifestyle of members covered

Recommendation: Choose a higher cover if you have 2 senior citizens covered under your family floater plan. Or you can buy a senior citizen plan for them and cover your partner and children under the health insurance for the family.

To get a better idea of how much coverage is required in different scenarios and how the premium will be affected, we have shared a few sample coverage and premiums below:

2 Adults + 1 children

Policyholder's Age Sum Insured Sample Annual Premium
30 Years 15 lakhs INR 27,790

2 Adults + 2 children

Policyholder's Age Sum Insured Sample Annual Premium
30 Years 20 lakhs INR 31,125

1 Adult + 1 child + 1 senior citizen

Policyholder's Age Sum Insured Sample Annual Premium
30 Years 25 lakh INR 48,972

Check Your Premium

What is Covered under Family Health Insurance?

Health insurance policy for families offer comprehensive, flexible, customised, and affordable coverage, depending on the mediclaim policy you choose for your family. In case you or an insured family member under health insurance plans for families, the following coverage is provided:

  • In-patient Hospitalization: Inpatient hospitalization is a type of inpatient facility, where the insured is admitted to the hospital and spends 24 hours or more depending on his/her condition.
  • 30 days pre-hospitalization: Medical expenses of up to 30 days before your hospitalization are covered.
  • 90 days post-hospitalization: Medical expenses of up to 60 days after you get discharged from the hospital are covered.
  • Day-care treatment: More than 500 day-care treatments are covered under family health insurance plans in India.
  • Domiciliary Treatment: Home hospitalization due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the medical expenses covered under family health insurance plans in India.
  • AYUSH Treatment: Coverage for treatments like Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy are covered family health insurance plans in India.
  • Ambulance charges: Mediclaim for family in India offer up to INR 2K per hospitalization to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
  • Maternity Cover: It covers the expenses for normal and c-section procedures deliveries after 1 year of the waiting period under family health insurance in India.
  • Organ Expenses: It covers the cost of the procedure for removing the damaged or malfunctioning organs from the body.
  • Vaccination: It covers the expenses incurred on vaccinations for animal bites.
  • Daily hospital cash: Insured will receive a cash amount of up to INR 8K each day during the time of hospitalization for a certain period.
  • Mental illness cover: If the insured is suffering from any mental illness then the cost of treatment will be covered under the health insurance plans in India for family.
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Disclaimer: The number of coverages offered and their amount may vary depending on the type of plan or the health insurer.

Family Health Insurance Exclusions

Medical insurance for families generally does not include some healthcare expenses and medical conditions. Mentioned below are some of the exclusions under mediclaim policies for families:

  • OPD treatment
  • Sexual Transmitted Diseases
  • Self-inflicted injury
  • Illness due to drugs and alcohol abuse
  • Injury incurred due to adventurous sports

Buy Family Health Plan

You can buy a mediclaim policy for your family either from the brand website of your desired insurance company or through as it comes with an easy and user-friendly buying process that is safe, quick, and hassle-free and allows you to buy your policy from anywhere and anytime.

  • Get quotes from top insurers by filling up a form given at the top of this page.
  • Compare quotes of different insurers and select the desired plan as per your requirements.
  • Submit all the required details and documents.
  • Make the online payment and the policy documents will be shared at your e-mail address.

Family Health Insurance Claim Process

2 types of claim processes are available for family health insurance claims. Choose the one at your convenience.

Reimbursement Process

  • Intimate the company
  • Pay the hospital bills
  • Collect original bills and discharge summary
  • Fill and submit the claim form along with ID proof (Voted ID/Aadhaar Card/PAN Card) and canceled cheque
  • Insurer will verify the information and documents
  • Insurer will initiate the reimbursement process

Planned Hospitalization

  • Intimate the insurer before 48 to 72 hours of hospitalization
  • Insurance company will provide a confirmation letter
  • Submit your health card and confirmation letter
  • Insurance company will settle all the bills directly with the hospital

Emergency Hospitalization

  • Notify the insurer about the hospitalization (within 24 hours)
  • Fill and submit the claim form
  • Submit other required documents
  • The hospital will receive an authorization letter from the insurer
  • The medical bills will be paid directly by the insurer

Mandatory documents for Family Health Insurance

  1. Age Proving Documents

    Due to the priorly set age brackets by all the insurers, you will have to produce the age proof of all the family members that you wish to include in the mediclaim policy for family. You can submit the following documents to prove that all of your family members fall into the age cap set by the insurance company:

    • Aadhar card
    • PAN card
    • Voter ID card
    • Birth certificate
    • Driver’s license or any other document suggested by the insurer.
  2. Address Proof

    Your address proof is required so that the insurance provider can send all the necessary documents to your place of residence. You can submit the following documents to prove your residency:

    • Aadhar card
    • PAN card
    • Driver’s license
    • Bills such as electricity, telephone or gas pipeline bill
    • Any other document suggested by the insurer.
  3. Identity Proof

    Identity proofs state your individuality to the insurance company. You can submit the following documents to the insurer:

    • Aadhar card
    • Voter ID card
    • Passport
    • Birth certificate
    • 10th or 12th marksheet
    • Ration card or any other document requested by the insurer.
  4. Medical reports

    Apart from your personal details, the insurer can ask for the medical reports of you and your family members. Health insurance plans for family require the medical history of all the members so that the insurer knows about the possible and pre-existing health issues. This particular information depends on the policy that you are purchasing or your insurer.

  5. Proposal form

    The insurer will provide you with a policy proposal form when you will purchase a mediclaim policy for family. You must fill the form with accurate details for yourself and your family and submit with the other required documents.


If you conduct a comparison of health insurance plans in India, you will find that a family plan is incredibly cost-effective and easy to manage. It takes away your worries, provides the best of benefits to each and every family member, and gives you peace of mind to carry on. Investing in a family health insurance plan is the need of the hour, so make sure you buy a suitable plan soon.

Health Insurance Articles

Family Health Insurance: FAQs

1. What is the policy term option for family health insurance?

You can get a policy for 1, 2, or 3 years with a lifelong renewable option.

2. How many people can be covered under family health insurance?

You can cover up to 6 family members in a family health insurance.

3. Which family member can I cover under the family health plan?

You can cover your spouse, dependent children and parents, and your other blood relatives and in-laws under a family floater plan.

4. What is mediclaim insurance for a family?

Health insurance policies that cover the family members of a policyholder under a single policy are a mediclaim insurance for a family or a family floater policy. These insurance plans allow the policyholder to cover spouse, children, parents, and parents-in-law and offer common healthcare benefits to all insured members.

5. Are family health plans cheaper than individual health plans?

Mediclaim insurance for families is considerably cost-effective as compared to individual health plans. You pay an annual premium only once for all the family members insured under a single family floater plan.

6. What is the average cost of family floater plans for older families?

Older families consisting of couples between the age group of 38-45 and children between 10-15 may consider 7 lakhs as a preferred sum insured amount under a family floater plan. It will cost you an annual premium of around 20K.

7. Which health insurance is better to buy - family or individual?

If you consider coverage on an individual level then individual health plans are better. But if you consider the cost-effectiveness of a plan then family plans are better, especially for a claim-free year.

8. What is the difference between a mediclaim policy for a family and a mediclaim policy for an individual?

Under an individual health insurance plan, only a single person can be insured to avail of the medical benefits. However, a policyholder can share the entire cover and healthcare benefits along with his/her family members under a family floater health plan.

9. My parents are above 60, Can I cover them under a family floater plan?

Yes, you can cover senior citizens under a family floater plan as various mediclaim policies for families allow that. However, it is suggested to add children in a family floater and cover parents above 60 under a senior citizen health plan to avail of better coverage and facilities.

10. Can I convert my family health insurance policy to an individual health plan?

Yes, you can convert a family health plan to an individual health plan. Health insurance companies in India now allow you to convert your policy with the option of plan portability.

11. Can I add my daughter-in-law under my family floater plan?

You can add dependent, single or married children up to the age of 25 under your family floater plan.

12. What is a Family Floater Health Insurance plan?

A family floater health insurance plan is tailor-made for families and is designed to cover the entire family under a single health insurance policy.

13. Does the family health insurance offer coverage for AYUSH treatments?

Yes. Most family health plans look after AYUSH (Ayurvedic, Homeopathy, Siddha, and Unani) treatment expenses. Still, it's advisable to check with your chosen provider before making the purchase decision

14. What will happen to a family floater policy if the proposer dies?

In such a case, the policy can be transferred in the name of another family member, provided (s)he is above 18 years of age.

15. I'm planning to start a family. Which type of health insurance will be better for me- individual or family floater?

Ideally, you should go for a family health policy. All members of your family can be covered under the same.

16. How many members can be added in a family health insurance policy?

You can include yourself, spouse, and your children under your mediclaim policy for family. Some policies also let you include your siblings as well as some relatives such as nephews, niece and in-laws who reside with you.

17. How much coverage should I opt for a family health insurance policy?

The sum insured of health insurance plans for family depends upon the factors such as the health condition of the members, pre existing health issues and the minimum coverage each member should get individually. As it is said that each individual should have a minimum 5 lakhs worth of health insurance plan, buy a policy that at least allows this much to each member of the policy. You can also opt for a sum insured enhancement featured policy so that the sum insured can be revised at the time of renewal.

18. How is the sum insured divided in a family health insurance policy?

In a family health insurance policy, the sum insured can be utilized to its full extent by any of the family members in case of an emergency. As any of the members keeps exhausting the sum insured, it keeps reducing for the other members of the family.

19. What will happen if the sum insured is exhausted by only one member from the mediclaim policy for family?

If the entire sum insured is exhausted by only one member of the policy then the rest of the members will not be able to use the policy and will have to bear the treatment cost out of their pocket.

20. Can I reduce the number of members in my family health insurance plan?

Yes, you can remove a member from the family health insurance plan. The procedure of the same can be obtained from your insurer.

21. How to choose the best mediclaim policy for family?

Choosing the best mediclaim policy for family comes with various factors such as coverage, features of the policy such as pre and post hospitalization, ambulance cover, good amount of network hospitals, claim settlement process and policy renewal options.

What Our Customers Have to Say

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sandeep singh


January 12, 2023

Dnt buy any policy from Star health They are big fraud my father is admitted in hospital crucial stage they reject our claims without reason i will filled case against company in consumer court...

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Poonam Sinha


December 9, 2022

Mujhe khaas kar inki service best lagi. Policyx se mai hamesha services lungi. Maininki services se khush hu

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December 9, 2022

Policyx helped me a lot in documentation process, I was skeptical at first but they made my work easy.

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December 9, 2022

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November 30, 2022

I bought policy for my family from policy, The advisor is very knowledgable,he suggest me better comparisons of plan and helps me to purchase suitable one. The process was very smooth.

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November 8, 2022

Sanjay nanaware here, first of all I appreciate Star Health for your punctuality, service, conversation and I really thanks to Mr.Sanchin pathavnkar who has suggest star health policy.

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Vishal Singh


September 27, 2022

I want to thanks Atul Bhardwaj he suggested me good policy and provide me good comparison which help me to choose best plan...........

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September 14, 2022

Very Good Organization, Very Decent Staff. Sales team is very good, they are following clients in proper manner