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Health Insurance Plan for Family

A family floater plan is a plan that gives coverage to an entire family. Such a plan is more economical than a regular individual plan. It offers tax benefits to the policyholder under Section 80D of the Income Tax Act.
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Imagine a situation where a family member is suffering from an ailment or has met with an accident. The very thought of seeing your loved ones in pain can cause you mental distress. It could get worse if you have to worry about the medical bills being higher than what you could provide for. A family forms an integral part of your existence and taking care of them is an obvious priority. Medical emergencies unfortunately don’t come with a warning and medical costs are rising by the day which is why it is imperative that you buy a comprehensive health insurance plan for you and your family.

If you have a family that is financially dependant on you, you should look for a healthcare policy that will provide broad coverage for all your family members. Family floater health insurance is the best recommended plan when it comes to securing the health of your family. A family floater plan is especially designed keeping in mind the healthcare needs of your loved ones. It omits the hassle of managing multiple insurance policies by offering several benefits under a single umbrella.

What are the Benefits of a Family Floater Plan?

Family floater health insurance, as mentioned above, saves you the hassle of keeping track of multiple policies that your family members may hold. And unlike other health plans, it provides coverage for your entire family and sometimes even for your extended family. The other benefits that this policy offers are:

  • When compared, a family floater plan is more affordable than individual health plans.
  • The sum insured in a family floater plan is higher which ensures that you do not fall short on funds when facing sudden hospitalisation.
  • Since family floater plans cost lesser, you can increase your savings.
  • With the family floater plan you can enjoy tax benefits under Section 80D of the Income Tax Act.

What is the Coverage that I Get?

Different insurance providers offer different coverages, depending on an individual’s requirement. The family floater plan by Bajaj Allianz, for example, provides the below coverage:

  • The insured sum can range from Rs. 1.5 lakh to Rs. 50 lakh
  • All expenses for day care treatments are covered
  • The amount insured can be reinstated
  • Ambulance expenses are covered up to a limit of Rs. 20,000 per year
  • Access is provided to a cashless network of over 5,700 select hospitals across India
  • Provides coverage for pre and post-hospitalisation charges. For pre-hospitalisation, the charges should be incurred 60 days prior to hospitalisation and for post-hospitalisation, the charges should be incurred 90 days after hospitalisation
  • Offers lifelong renewal option

Apart from Bajaj Allianz, there are other insurers that offer the family floater plan. We’ve listed them below:

Insurance Provider Name of the plan Features
ICICI Lombard Complete Health Insurance
  • Hospitalisation expenses (doctor’s fee, medicine bills, room charges, etc.) are covered
  • Free health check-up at select centers
  • Life-long renewal option
  • Cashless hospitalisation
  • 10% additional sum can be insured on each renewal
Bharti Axa Smart Health plan
  • Covers pre-existing diseases (after 48 months)
  • Critical illness benefits
  • For any treatment undertaken, the hospitalisation bills will be covered
  • Any expenses incurred for dental treatment or surgery that requires the patient to be hospitalised are covered
  • Hormone replacement therapy and birth control procedures are provided coverage
Apollo Munich Optima Restore
  • Coverage offered from the age of 5 years to 65 years
  • Provides a cover for a maximum of 6 members
  • Expenses incurred for hospitalization, day-care procedures, domiciliary treatment, and organ donation are covered
  • If you opt for shared accommodation in a network hospital, a lump sum amount will be given
  • Preventive health check-up expenses will be reimbursed
Oriental Insurance Happy Family Floater
  • Maternity expenses are covered
  • Under the Diamond Plan, the sum insured ranges from Rs. 12 lakh to Rs. 20 lakh
  • If the insured person donates an organ, the expenses are covered
  • Benefit of life hardship survival
  • The insured sum will be restored
Star Health Insurance Family Health Optima
  • For every claim-free year, you can avail health check-up benefit
  • Any additional sum will be insured at no extra cost
  • For any organ transplantation, the insurance will cover the medical expenses
  • Coverage will be provided for assisted reproductive treatment and day care procedures
  • From the 16th day, newborn babies are covered

Health Insurance Plan for Family Reviews

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  • HDFC Ergo Health Insurance
    "Very good benefits"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance from HDFC ERGO which was purchased by me in the year of 2018 because the benefits are very good. The claim process was simple and they have more number of hospitals for cashless. I have paid 18,800 for one year and took 3 years policy for myself and my wife. The medical coverage is 10L for myself and 5L for wife.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 14, 2019
  • HDFC Ergo Health Insurance
    "Good"
    0.5 3.0/5 "Satisfactory"
    I have taken health insurance from HDFC Ergo which was offered along my personal loan. I have received the insurance paper and its been couple of months. It covers critical illness and need to go through the policy benefits. Always the customer is good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 14, 2019
  • ICICI Lombard Health Insurance
    "Good Health insurance provider"
    0.5 3.5/5 "Pretty good"
    This policy was part of my employment, I took the medical coverage of Rs. 5 lakhs for the tenure of one year, this medical benefits for my entire. They have good networks of hospital with major disease cover. But I think it doesn't have no claim bonus.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 11, 2019
  • Reliance General Health Insurance
    "On time approval with reliance"
    0.5 4.0/5 "Great!"
    For my spouse operation I used the health policy, I approached them for the claim through hospital. I submitted the form and they send the papers to the Reliance insurance company. I got the cash less treatment, but I paid some amount which was not covered. But they gave me the on time approval.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jan 11, 2019
  • Cigna TTK Health Insurance
    "On time service"
    0.5 5.0/5 "Blown Away!"
    On time Cigna TTK have activated the policy which provided by the company, the policy which I hold it has the coverage of Rs. 4 lakhs its covers for me. They are providing coverage for the pre existing with the tax benefits but there is no claim.
    Was this review helpful? 0
    , dandeli
    Reviewed on Jan 10, 2019
  • Cigna TTK Health Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    In Cigna TTK, they are providing pre existing disease cover, but they don't have no claim bonus features. The response is good they have good customer care working 24/7 , the medical coverage is good for me and entire family. They have many hospital which they got tie up in Mumbai.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 10, 2019
  • Apollo Munich Health Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy a while back and i had been paying the premium amount on an annual basis. The premium method has been convenient and the premium amount has not been high. There has been many hospitals covered in my locality and their customer support has also been helpful.
    Was this review helpful? 2
    , pune
    Reviewed on Jan 09, 2019
  • ICICI Lombard Health Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    My organization has provided me a health insurance with ICICI Lombard. I have not claimed anything from this policy. My entire family has been covered in this policy. They have given me a coverage value of Rs. 3 lakhs. This is a cashless policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 09, 2019
  • Star Health Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    My company has offered a health insurance from Star Health with the coverage of 1L, its for the family, Still I have not used the policy and am gone utilize the policy within 15 days for my family.They covers a major disease. I have called the customer service and the response is good. I am planning to go for reimbursement, they do have minor network of hospitals for cashless. I can recommend after completing my claim.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 09, 2019
  • National Insurance Health Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    My company has provided me a health policy from National insurance with the coverage of 2L. It is for the family members and no claim. I never contacted the customer service. Every year it was renewed by the company. They have limited networks of hospitals for cashless. It does not cover only eye problems, if we got admitted in hospital for 24hrs then applicable for claim.
    Was this review helpful? 0
    , pondicherry
    Reviewed on Jan 09, 2019
  • ICICI Lombard Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    I have taken a health policy from ICICI Lombard by last month. They have offered the policy based on my credit card experience. They have charged 10,800 rupees as a premium per annum. The policy period us 3 years. Am satisfied with the policy benefits. The customer service is excellent and they have explained well.
    Was this review helpful? 0
    , pondicherry
    Reviewed on Jan 09, 2019
  • Apollo Munich Health Insurance
    "Good medical cover with Apollo"
    0.5 5.0/5 "Blown Away!"
    I got the medical cover of Rs. 3 lakhs its covers for my four persons, they got tie up with major hospital. I don't have any medical card but if I want to go for claim. There is a person who coordinate for Tata employee. They do have cash less treatment.
    Was this review helpful? 1
    , mumbai
    Reviewed on Jan 09, 2019
  • Star Health Health Insurance
    "Its Good"
    0.5 3.5/5 "Pretty good"
    I have taken the policy personally from my end for my parents. Star Health is providing pre existing disease cover, and major disease cover like heart disease and they do have no claim bonus. Senior citizen plan is good for the elders it has the medical coverage value around Rs.3 lakhs.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 09, 2019
  • review Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been taken my health insurance with Adiyta birla health insurance, i have taken this insurance for all my family, per annum it is 25,00,000 policy coverage is there , and i have not yet took any claim yet, and there is tie up with many hospital and they have shared me those hospital location, the premium amount they have charged me up to 6000 for two years ,i use to pay.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Jan 08, 2019
  • Future Generali Health Insurance
    "Should include all the benefits"
    0.5 3.5/5 "Pretty good"
    For my wife I use my health policy for the maternity, the policy cover is not sufficient. For Normal delivery the money goes high, I got the 80% of reimbursement but when my child not well I requested for the admission of 24 hours, but they didn't accept for normal fever.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 08, 2019
  • Religare Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been using my health insurance with Religare insurance from past few years, there service is good, they have tie up with many hospital , and they have shared me an excel with there location, and the agent had explained me clearly about the policy benefit, my company pay this health insurance premium.
    Was this review helpful? 0
    , jaipur
    Reviewed on Jan 08, 2019
  • Star Health Health Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance policy with Star health from last 2 years, a premium of Rs 13000 has to be paid for this insurance policy. I have no claim experience so far with this insurance. They gave a coverage value of Rs 6 lacs and it is for family.
    Was this review helpful? 1
    , bangalore
    Reviewed on Jan 08, 2019
  • Bajaj Allianz Health Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    It has been four years since i had taken this health insurance policy and i had been paying the premium on an annual basis. The premium amount has been nominal and is not too high, most of the hospitals are covered in my locality and there has been cashless treatment available as well.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 08, 2019
  • Star Health Health Insurance
    "Good but need to improve little communication with the custo"
    0.5 4.0/5 "Great!"
    My health insurance policy was bought from Star. I did not have any claim experience so far. From 2009 onwards i have been renewing the policy with Star. They have to give free health check up to the pre-vilege facility. I purchased this policy for my family. Yearly i pay the premium of Rs. 10000 for the coverage value of Rs. 5 lakhs.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 08, 2019
  • HDFC Ergo Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have taken my health insurance with HDFC ERGO, there service is good, there agent had explain me about the policy which is covered in this insurance and they have tie up with many hospital and they have shared me there location , and the premium amount they have charged me was nominal,they have charged me up to 5000 on yearly basis for 4,00,000 coverage,i use to pay through on line.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 08, 2019
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