Give You The Best Family floater Health Insurance Policies In India

Individual Health Policy
Family Health Policy
Pay Premium for Only 3 Lacs & Get Cover for 6 Lakhs !!

You Can Buy Policies From The Following Insurers

Our Health Policy Types

Senior Citizen

This plan ensure that people aged between 65 to 80 years are financially in time of medical emergencies.

Buy Now

Critical Illness

This policy pays out a lump sum amount if and when insured people are diagnosed with any of the life-threatening diseases listed in the policy document.

Buy Now

Family Floater

This covers an entire family for a fixed coverage which is shared by all family members mentioned in the policy document

Buy Now


An individual health insurance policy offers coverage to an individual person up to a fixed sum insured chosen by the individual during a policy year.

Buy Now

Group Mediclaim Policy

A group health insurance plan provides medical coverage to a specific group of people.

Buy Now

Medical Checkup

Did you know that the costs of your medical checkups are now covered under your health policy?


Did you know in case of Emergency your ambulance expenses can also be reimbursed under Health Insurance policies?

Pre & Post Hospitilazion

Did you know that all your related medical expenses incurred
30 days prior to hospitalisation and 60 days after hospitalization are reimbursed under Health Insurance policies?

Cashless Transaction

Did you know that with the right health insurence you don't need to pay anything from your pocket for treatment? It will be paid by your insurer and totally cashless for you.

Tax Benefits

Did you know you can save up to 35,000 from income tax payment depending on your health insurance premium?

Extented Cover

Get specialised health policies for diabetic patients, cardiac patients, maternity benefits, senior citizens, grandparents, parents-in-law, grand children, and international treatments.

Top Features

A family health plan basically stands for a specific type of health insurance that has been designed to cover more than one member of a family for a fixed Sum Assured. This benefit can be availed in exchange for a single annual premium. It means the members of a family will be covered under a single Sum Insured for a single premium.

Family floater policy provides assured coverage to 2 or more members of a family at the same time, in case they are hospitalized or in the event of the diagnosis of an ailment. Mediclaim policies for family generally cover a family including you and your spouse along with up to 4 children.

However, in exchange of paying an additional premium, you may also include your in-laws and siblings in your existing family health insurance policy. Family health plans generally cover pre and post-hospitalization costs, daycare procedures, accidental hospitalization, etc.

One of the major benefits of buying family floater health insurance plans is that it is suitable for bigger families that comprise of grandparents, children, etc. Apart from this, there are a number of other benefits that insured members can enjoy with family health insurance plans. Under this type of mediclaim policy, you can get coverage for all the members, irrespective of their age, under a single policy.

Now let's have a look at number of benefits of purchasing family health insurance policy:

Covers Hospitalization Expense

Family health insurance policies basically trim down the job of picking a separate individual health insurance plan for each family member. In addition to that, you don’t have to shell out separate premium to get a health insurance for each member. In the event of hospitalization, the insured member can avail cashless treatment in a network hospital just like individual mediclaim insurance plans. In such a way, you can get all your family members entitled to get medical attention without negotiating on the treatment.

Insure New Family Members Without Any Hassle

Under health insurance plans for family, you can easily add a new family member. In case of an individual health cover, a fresh policy needs to be purchased every time there is an addition of a new member to the family. In this context, note that if you are adding your parents to an existing family health insurance policy, make sure that you are opting for a higher Sum Insured. If the eldest member of the family dies or is no longer eligible for the coverage, the other insured members of the family would continue to get health cover benefits. This can be considered as one of the biggest benefits that you can avail with a family health insurance plan.

Affordable Premium

Since you do not have to pay individual premiums for all the members, family health insurance plans are considerably affordable in terms of premium. Under this type of plan, you can cover your spouse, parents and at an affordable premium. However, for parents, it is advisable to consider buying individual health insurance keeping their age-related health issues on mind.

Get Health Cover for Parents under the Same Plan

One of the best benefits of family health insurance is that you can secure the health of your parents as well as your spouse’s parents under a single plan. By paying an extra premium it is also possible to get individual health insurance for dependent parents or even your in-laws.

COVID-19 Health Cover for Family

You can purchase a health insurance for Coronavirus (COVID-19) to cover yourself as well as your family members. Almost all the insurers in India are providing coronavirus treatment cover under their basic health insurance plans. A number of health insurance providers have also come up with corona specific health insurance plans along with Corona Kavach and Corona Rakshak policy.

Corona Kavach policy provides with the coverage on a family floater basis. It covers hospitalization costs incurred on the treatment of COVID-19 including the costs of PPE kits, medicines, doctor fees, ICU expenses and the likewise.

Corona Rakshak policy also provides with the coverage for COVID-19 treatment. Here the difference is that this policy offer coverage on an individual basis for a minimum 72 hours of hospitalization. If you want to purchase a separate health insurance plan for each of the family member, you may also consider Corona Rakshak policy. Or you may also check with your insurance provider whether your existing family health insurance plan covers coronavirus treatment.

Additional Benefits

There are a number of add-on benefits that can be availed including maternity cover, critical illness cover, etc. For instance, young couples can go with maternity cover and new-born baby cover along with the family health insurance plan. However, note that this feature is subject to a waiting period. If you want to buy the best health insurance plan for your family with maternity cover, make sure that you read the policy documents carefully.

Enjoy Discounts

When you buy health insurance plan for family, you can enjoy attractive discounts and other benefits in the form of incentives offered by the insurance providers.

Tax Benefits on Health Insurance Premium

You can avail tax benefits under Section 80D of the Indian Income Tax Act on health insurance premium. If someone is paying health insurance premium for their family and parents, it is eligible for tax benefits.

Here you will find out an number of important points that you should keep in mind before buying a health insurance plan for your family. Check out the below-mentioned points to make sure that you purchase adequate family health insurance cover on the basis of the medical requirements of your family members:

Coverage Offered under a Family Health Insurance Policy

When you compare different health insurance plans for family online, don't forget to make a list of essential health coverage offered under any specific plan. Almost all health plans provide coverage for daycare expenses, ambulance charges, in-hospitalization expenses, etc. and so on.

In addition to that, if you are planning for a child, make sure that you are opting for a health insurance plan that offers coverage for new-born baby or the policy has the option to let you simply add the baby as beneficiary to your existing family health insurance plan.

Compare policies by keeping in mind a number of different factors like coverage for pre-existing diseases, your lifestyle, what's excluded during the first 30 days of the policy inception.

Options to Increase the Sum Inured of the Family Floater Plan

It is to be admitted that the cost of living never remains the same. Neither the cost of medical treatment will stay the same. Most insurance providers will provide with the facility to increase the Sum Insured in the coming years. And when you renew your policy on time, you may have No Claim Bonus from the side of the insurer as a reward.

Consider the Maximum Renewal Age of the Policy

There are a number of health insurance providers that offer policy renewal until 60-65 years. However, in today's time, many health insurers also offer the option to renew the policy throughout the lifetime of an insured. So, do make sure that you go for the family floater health insurance plan that will offer you protection when you need it most.

Availability of Cashless Treatment

These days, almost all the health insurance companies are offering cashless hospitalization through their network hospitals. Cashless hospitalization makes the entire process of treatment seamless and hassle-free. This is why it become highly imperative to ensure the same and cross check whether the names of good hospitals are included in the list of your insurer's cashless hospital network.

Claim Settlement

Even though all health insurers follow the same claim process as directed by the Insurance Regulator and Development Authority of India (IRDAI), there might still be some differences in terms of each company's action for the settlement of a claim.

It is advisable to make a point to openly understand the company's claim settlement process before buying any health insurance plan for your family. And since most of the health insurance companies offer cashless hospitalization these days, you do not have to face the hassle about collecting documents and filling them.

When buying a health insurance plan for your family, you must carefully go through the policy documents to make sure that you completely understand the policy exclusions in details.

In addition to that, ensure that you understand different terms and clauses mentioned in the policy document like waiting period, pre-existing diseases, cashless hospitalization, etc., since these terms will decide whether you will get to get a claim or not, depending on the hospitalization.

Check out the below-mentioned medical expenses are generally not covered under family floater health insurance plans in India:

  • Until the completion of the waiting period, the policy will not cover any pre-existing medical condition
  • The policy will not offer any coverage for expenses incurred on any plastic surgeries or aesthetic treatment
  • Expenses incurred on life-support machines are not covered
  • Any treatment that was taken overseas unless it is included under the policy
  • Any injury or illness resulting owing to war conditions, rebellion, nuclear reaction, unethical activities, acts of foreign enemies and similar conditions will not be covered
  • Routine medical check-ups
  • OPD treatments
  • Pregnancy or childbirth-related complications unless mentioned in the plan, like miscarriage, voluntary termination of pregnancy, abortion unless it is an ectopic pregnancy