Family floater health insurance
One plan, one renewal date and one sum insured shared by your whole family.
- Cover spouse and children in one plan
- Lower premium than separate policies
- Add parents with a separate plan to protect the family cover
Who needs family health insurance?
Young families and couples. A family floater shares one sum insured across members, which is usually more affordable than separate policies. We help you pick a sum insured that is enough even if two people need hospital care in the same year.
- Couples with young children
- Families where only one parent has employer cover
- Families planning a baby (check maternity waiting periods)
Types of cover
Standard floater
One sum insured for 2 adults and up to 3 or 4 children.
Floater with maternity
Covers delivery expenses and newborn care after a waiting period.
Floater + super top-up
A base plan plus a super top-up, for high cover at a lower premium.
What is covered, and what is not
Every policy has limits. We explain them upfront so there are no surprises at claim time. Exact cover depends on the insurer and plan you choose.
Usually covered
- Hospitalisation of any covered member
- Pre- and post-hospitalisation expenses
- Day-care procedures
- Newborn cover in plans with maternity benefit
- Free health check-ups in many plans
Usually not covered
- Pre-existing illnesses during the waiting period
- Maternity in the first 2 to 4 years (varies by plan)
- Cosmetic treatment
- OPD, unless added
We compare family health plans from
- HDFC ERGO General Insurance
- Niva Bupa Health Insurance
- ICICI Lombard General Insurance
- Star Health and Allied Insurance
- Aditya Birla Health Insurance
Documents needed
- Age proof for each member
- Details of existing illnesses
- Previous policy (if porting)
How claims work
Tell us early
For planned treatment, inform us 3 to 4 days before admission. For emergencies, within 24 hours.
Cashless at network hospitals
Show your health card at the hospital’s insurance desk. The hospital sends a pre-authorisation request to the insurer.
Reimbursement elsewhere
At a non-network hospital, pay the bill and submit the claim form with original bills and reports within the insurer’s time limit.
We follow up
Your advisor tracks the claim with the insurer or TPA and helps with any queries until settlement.
Family Health Insurance: frequently asked questions
Should I add my parents to the family floater?
Usually not. Their age raises the premium for everyone and their claims can use up the shared cover. A separate senior citizen plan is often better.
How much cover does my family need?
Try our health cover calculator, then talk to us. For a family of four in Haryana or NCR, many families start at ₹10 lakh and add a super top-up.
Related insurance
Senior citizen health
Health cover for parents over 60, explained patiently and face to face if you prefer.
Senior Citizen Health Insurance
- Plans that accept existing conditions like diabetes and BP
- Minimal paperwork, with help at our office
- Cashless hospitals near you
Talk to an advisor about family health insurance
Get a free comparison from leading insurers, explained in plain language. Online or at our Sonipat office.
Or call 99996 68013 · Monday to Saturday, 10:00 AM to 6:00 PM