Family Health Insurance
One policy, the whole family covered.
A family floater shares one sum insured across the whole family. It is more affordable than buying a separate policy for each person, and simple to manage with one renewal date.
- Members
- Self, spouse, children, parents
- Sum insured
- ₹5 lakh to ₹1 crore+
- Newborn cover
- From day 91 (day 1 on some plans)
- Tax benefit
- Sec 80D
Choose the family health insurance that fits you
Not sure which one is right? Tell us your situation and we'll recommend the best fit.
Family floater
One shared sum insured for 2 to 6 members.
Floater with maternity
Covers delivery costs and newborn care after a waiting period.
Parents add-on
Add parents to the family policy or buy a separate senior plan.
Why people choose our family health insurance advice
- One policy for the whole family
- Lower premium than individual plans
- Maternity and newborn cover options
- Restore benefit on many plans
Know exactly what you're buying
We read the fine print for you and explain inclusions, exclusions and waiting periods in plain words.
- Hospitalisation for all members
- Maternity expenses (on select plans)
- Newborn baby cover
- Restoration of sum insured
- Vaccinations on some plans
- Young families
- Couples planning children
- Families with dependent parents
- Maternity waiting period of 9 months to 4 years
- Pre-existing disease waiting periods
- One large claim can use up the shared sum insured
Family Health Insurance premium: what decides it?
Two people buying the same family health insurance can pay very different premiums. Here is what insurers look at, and how to pay less without cutting the cover you need.
What it depends on
- Age of the person or vehicle being insured
- Sum insured or cover amount chosen
- Health, lifestyle and medical history (for life and health cover)
- Add-ons and riders selected
- Claim history and no-claim bonus (for motor and health)
- City or zone, occupation and policy term
How to pay a lower premium
- Buy early: premiums are lowest when you are young and healthy
- Choose the right cover, not the cheapest or the biggest
- Compare insurers on claim record and exclusions, not just price
- Pick only the add-ons you actually need
- Renew on time to keep your no-claim bonus and waiting-period credit
Documents required for Family Health Insurance
Choose your applicant type to see the checklist. Keep self-attested copies ready; we'll collect and verify them for you.
Document Proof
8 items- Aadhaar Card
- PAN Card
- Voter Card
- Driving Licence
- Utility Bill (Electricity / Water)
- Passport
- Age Proof of All Members
- Medical Reports (if any existing illness)
Document Proof
9 items- Utility Bill (Electricity / Water / Telephone)
- Bank Statement
- GST Certificate
- Udyam Certificate
- Aadhaar Card
- PAN Card
- Passport
- Age Proof of All Members
- Medical Reports (if any existing illness)
The exact list can vary by insurer and your profile. Not sure what applies to you? Our advisor will confirm in one call.
From first call to claim
Scroll through the steps to see what we do at each stage.
Expert tips before you buy
- 1Keep parents on a separate policy so their claims do not exhaust family cover.
- 2Add a super top-up for high cover at a low cost.
- 3Buy maternity cover well before planning a baby, because of the waiting period.
Family Health Insurance: common questions
Talk to an expert today
Share a few details and we will call you back. The first consultation is free.
- Call us+91 92122 66375
- WhatsAppChat with an advisor
- Office hoursMon to Sat, 10:00 am to 7:00 pm
Request a call back
We usually respond the same working day.
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Your financial goals,
one window away.
Speak to an advisor today. Free consultation, honest advice, and help with every document.