What is Family Health Insurance?

A family health insurance policy covers all your family members under a single plan. It provides a common sum insured that can be utilized by any insured individual. Most family floater plans include benefits like cashless hospitalization, maternity cover, health checkups, and day care procedures.

Why Choose a Family Health Plan?

One policy for all: Cover spouse, children, and even parents under a single plan.
Cashless network hospitals: Avail treatment without paying upfront.
Tax benefits: Premiums are eligible under Section 80D of the Income Tax Act.
Maternity and newborn care: Many plans include maternity and newborn baby cover.
Affordable premiums: Lower cost than buying individual plans for each member.
Add new members easily: Include spouse or child mid-policy with minimal documentation.

Top Family Health Insurance Plans in India

Plan	Sum Insured Range	Key Benefits
Aditya Birla Activ Platinum	₹2 L – ₹2 Cr	Day care, OPD, Home treatment, Obesity care
Bajaj Allianz Health Guard	₹1.5 L – ₹1 Cr	Ambulance, Check-ups, Bariatric surgery
Care Health Plan	₹1 L – ₹6 Cr	Organ donor, Annual check-ups, Maternity
HDFC ERGO Optima Secure	₹5 L – ₹2 Cr	Home care, AYUSH, Global cover
Reliance Health Infinity	₹3 L – ₹5 Cr	Domiciliary care, Child cover, OPD

*List is illustrative and not exhaustive. Plans are listed in alphabetical order.

What’s Included in a Family Plan?

In-patient hospitalization
Pre & post-hospitalization expenses
Ambulance charges
Maternity and newborn expenses
Organ donor surgery
Day care procedures
Alternative treatments (AYUSH)
OPD expenses (in select plans)
Mental health and consumables (in select plans)

What’s Not Covered?

Cosmetic or dental procedures (unless specified)
Injuries due to war or self-harm
Substance abuse-related treatment
Treatment outside India (unless included)
Routine health checkups (if not included)

Eligibility for Family Health Plans

Minimum Age	Adult: 18 years, Child: 90 days
Maximum Entry Age	Varies (often no limit for adults)
Members Covered	Self, spouse, children, parents, in-laws
Renewability	Lifetime

Tips Before You Buy

Pick plans with short waiting periods for pre-existing diseases.
Check for maternity, daycare and mental health inclusions.
Avoid adding senior parents to young-family plans to reduce premium.
Look for cashless hospital networks and 24x7 claim support.
Choose plans with restoration of sum insured and bonus benefits.

Online Buying Benefits

Compare plans instantly across insurers
Get quotes tailored to your family size and needs
Paperless policy issuance in minutes
Secure payment options with digital receipts