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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?
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.
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:
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 |
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 |
|
Sum Insured: 5 Lakhs to 1 Cr Entry Age: 3 months to 65 years |
Star Family Health Optima | INR 20345 |
|
Sum Insured: 3 Lakhs to 25 Lakhs Entry Age: 18 years to 65 years |
Care Plan | INR 20177 |
|
Sum Insured: 3 Lakhs to 75 Lakhs Entry Age: 91 days to no upper age limit |
Niva BUPA Health Companion | INR 21631 |
|
Sum Insured: 2 Lakhs to 1 Cr Entry Age: 91 Days to no upper limit |
Niva BUPA Health Reassure | INR 20421 |
|
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
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
A comprehensive health plan for individual and family with SI of 3 lacs to 6 Cr. with global coverage.
Unique Benefits
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
Protect your entire family with smart features that provide you with everything you need under a health insurance plan.
Unique Features
You can find most popular and best health insurance policies at PolicyX.com
Explore top health insurance companies to buy the most suitable mediclaim policy for families.
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.
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.
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.
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.
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.
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.
Health insurance policy for families provides various advantages to the insured members such as:
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.
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:
Policyholder's Age | Sum Insured | Sample Annual Premium |
30 Years | 15 lakhs | INR 27,790 |
Policyholder's Age | Sum Insured | Sample Annual Premium |
30 Years | 20 lakhs | INR 31,125 |
Policyholder's Age | Sum Insured | Sample Annual Premium |
30 Years | 25 lakh | INR 48,972 |
Check Your Premium
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:
Disclaimer: The number of coverages offered and their amount may vary depending on the type of plan or the health insurer.
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:
You can buy a mediclaim policy for your family either from the brand website of your desired insurance company or through PolicyX.com 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.
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2 types of claim processes are available for family health insurance claims. Choose the one at your convenience.
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:
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:
Identity proofs state your individuality to the insurance company. You can submit the following documents to the insurer:
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.
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.
You can get a policy for 1, 2, or 3 years with a lifelong renewable option.
You can cover up to 6 family members in a family health insurance.
You can cover your spouse, dependent children and parents, and your other blood relatives and in-laws under a family floater plan.
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.
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.
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.
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.
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.
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.
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.
You can add dependent, single or married children up to the age of 25 under your family floater 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.
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
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.
Ideally, you should go for a family health policy. All members of your family can be covered under the same.
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.
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.
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.
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.
Yes, you can remove a member from the family health insurance plan. The procedure of the same can be obtained from your insurer.
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.
sandeep singh
Chandigarh
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...
Poonam Sinha
Surat
December 9, 2022
Mujhe khaas kar inki service best lagi. Policyx se mai hamesha services lungi. Maininki services se khush hu
Anita srivastava
Delhi
December 9, 2022
Policyx helped me a lot in documentation process, I was skeptical at first but they made my work easy.
Nishant
Lukhnow
December 9, 2022
Omg when i was buying the policies I was o skeptical. I contacted policyx and they solved my confusions and even helped in my documentations.. They are the best .
Ayush Sharma
Nagpur
November 30, 2022
I bought policy for my family from policy x.com, The advisor is very knowledgable,he suggest me better comparisons of plan and helps me to purchase suitable one. The process was very smooth.
Sanjay naraware
Pune
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.
Vishal Singh
Delhi
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...........
Sagar Jain
Delhi
September 14, 2022
Very Good Organization, Very Decent Staff. Sales team is very good, they are following clients in proper manner
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