Family Health Insurance
One policy. Your entire family. A single, generous cover.
A family floater covers you, your spouse and children under one shared sum insured — so whoever needs treatment can use the full cover. It's the simplest, most affordable way to protect everyone you love.
Why choose this plan
Everyone under one cover
Add spouse, kids and dependent parents to a single, easy-to-manage policy.
Automatic restore
Exhausted your cover during a big year? It's restored in full for the next claim.
Save up to 25%
Floater plans cost far less than buying separate policies for each member.
No room-rent capping
Choose the hospital room you want without shrinking your claim.
What's covered
- In-patient hospitalisation (room, ICU, doctor & nursing charges)
- Pre & post hospitalisation (60 and 180 days)
- Day-care procedures and modern treatments
- Ambulance charges and domiciliary treatment
- Annual health check-ups for every insured member
- Restoration of the full sum insured once exhausted
What's not covered
- Diseases contracted in the initial waiting period (usually 30 days)
- Pre-existing conditions during the waiting period (2–3 years)
- Cosmetic surgery unless medically necessary
- Self-inflicted injuries and non-allopathic treatment (plan-dependent)
Exclusions vary by insurer and plan. Always read the policy wording — our advisor will explain the fine print.
Available from
How it works
Share a few details
Tell us who to cover and your budget — takes under 2 minutes.
Get matched
Our advisors shortlist the best-fit plan from our partner insurers.
Buy in minutes
Review, pay online and get your policy document instantly.
We stay with you
Free renewal reminders and hands-on claim support, always.
Get an exact quote in minutes — free & no obligation.
Frequently Asked Questions
Common questions about Family Health Insurance.
Ready to secure family health cover?
Talk to an IRDAI-certified advisor for free, honest guidance tailored to you.