Family Health Insurance

Comprehensive health coverage for your entire family

Family health insurance provides shared medical coverage for all family members under a single policy with cost-effective premiums and comprehensive benefits.

Single policy covering entire family
Shared sum insured among family members
Cost-effective compared to individual policies
Cashless treatment at network hospitals

Key Benefits

Cost Effective

Single premium for entire family coverage, more economical than individual policies

Shared Coverage

Flexible sum insured that can be used by any family member as needed

Comprehensive Benefits

Includes maternity, newborn coverage, and family-specific benefits

Easy Management

Single policy to manage with unified renewal and claim processes

What's Covered

  • Hospitalization expenses for all family members
  • Pre and post hospitalization expenses
  • Day care procedures and treatments
  • Maternity and newborn baby expenses
  • Ambulance charges
  • Alternative treatment methods
  • Mental health treatments
  • Organ transplant expenses
  • Emergency evacuation
  • Second medical opinion

What's Not Covered

  • Pre-existing diseases (during waiting period)
  • Cosmetic and plastic surgery
  • Dental treatment (unless due to accident)
  • Self-inflicted injuries
  • War and nuclear risks
  • Experimental treatments
  • Routine health check-ups
  • Obesity treatment
  • Infertility treatment
  • Congenital diseases (some policies)

Eligibility Criteria

Minimum Age18 years
Maximum Age65 years
Renewal AgeLifetime
Waiting Period
30 days for illness, 2-4 years for pre-existing conditions

Required Documents

  • 1
    Filled application form
  • 2
    Age proof for all members
  • 3
    Identity proof (Aadhaar, PAN)
  • 4
    Address proof
  • 5
    Income proof
  • 6
    Marriage certificate (for spouse)
  • 7
    Birth certificate (for children)
  • 8
    Medical reports (if required)

Claim Process

Simple steps to understand the claim filing process

1

Inform Insurance Company

Notify within 24-48 hours through helpline, app, or website

2

Submit Documents

Provide all required documents and medical reports

3

Claim Assessment

Insurance company reviews and verifies the claim

4

Settlement

Approved amount settled within 15-30 days

Frequently Asked Questions

Get answers to common questions about family health insurance

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