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Family Health Insurance Plan

One plan, one premium, complete coverage for your entire family.

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Key Highlights

  1. Coverage up to ₹5 crore
  2. Cashless treatment at 10,000+ hospitals
  3. Free annual health check-ups
  4. No-claim bonus for every claim-free year
  5. Affordable premiums for families of all sizes
  6. Advisor-led support for plan selection and claims

A Family Health Insurance Plan gives peace of mind, financial protection, and strong support during tough times.


What is a Family Health Insurance Plan?

A Family Health Insurance Plan, commonly called a Family Floater, is a single policy that covers all family members under one sum insured. Instead of paying for separate policies for each member, you pay a single premium and get collective coverage.

A family floater usually covers:

  1. You
  2. Your spouse
  3. Children
  4. Sometimes parents or parents-in-law


  1. You choose a sum insured (₹5 lakh, ₹10 lakh, ₹25 lakh, etc.).
  2. All family members use this pooled amount.
  3. If one person is hospitalized, the cost is deducted from the total.
  4. The remaining balance is available for other members.

Example:

If you choose a ₹10 lakh family floater and one member uses ₹3 lakh for treatment, the family still has ₹7 lakh left for the rest of the year.


  1. Families with children
  2. Young couples
  3. Newlyweds planning a family
  4. Joint families
  5. Families wanting affordable and comprehensive protection

It is especially useful when family members are young and healthy, making premiums low and coverage high.


Health Insurance Providers in India

Aditya Birla

Aditya Birla

Star

Star

Royal Sundaram

Royal Sundaram

ICICI Lombard

ICICI Lombard

ManipalCigna

ManipalCigna

HDFC ERGO

HDFC ERGO

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