One plan that protects everyone at home
A family floater shares one sum insured across all of you, usually far cheaper than separate policies. The trick is sizing it right, so one hospital stay doesn't leave the rest of the family exposed.
Cover that actually works for you
One premium, everyone covered
Your spouse and children share a single sum insured, almost always cheaper than buying each of them an individual policy.
Add a newborn easily
Most floaters let you add a baby at the next renewal, so your family's cover grows with your family.
Restoration benefit
If one big claim exhausts the cover, a restore benefit refills it for the rest of the year, the feature that makes floaters safe.
Cashless hospitalisation
Walk into a network hospital and get treated without arranging money upfront.
Pre & post hospitalisation
Tests and consultations before admission and follow-ups after are covered, not just the hospital bill itself.
Ranked by claim record
We compare insurers on how reliably they settle, not on who pays us the most commission.
Find the right fit
Not sure which one suits you? That's exactly what our free call is for.
Family floater
One shared sum insured across you, your spouse and children.
Young families
Floater + super top-up
A modest floater topped up with high-value cover for a small extra premium.
High cover, low cost
Floater + individual
A shared floater plus separate cover for anyone with a higher health risk.
Mixed health needs
Floater + maternity
A floater on a plan with maternity benefits, planned well ahead of time.
Planning a baby
What to check before you buy a family floater
- A sum insured big enough for the most expensive member's likely claim, not the average
- Whether a restoration benefit refills the cover after a big claim
- Room-rent limits and any co-payment clauses
- Waiting periods for pre-existing conditions and maternity
- How and when you can add a newborn or a spouse
- Network hospitals near your home
Advice with zero spam
Talk to IRDAI-certified advisors who get paid to help you, not to push a product. No call-centre scripts, no endless follow-ups.
We handle the paperwork
From shortlisting to medicals to policy issuance, we stay with you end-to-end so nothing falls through the cracks.
Claims support for life
When you need to claim, our team helps you file, follow up and get paid, for as long as you hold the policy.
Family Health Insurance FAQs
In a metro, ₹10 lakh is a reasonable starting point, and many families reach ₹25 to 50 lakh cheaply using a super top-up. The right number depends on your city and the hospitals you'd use.
You share one sum insured, so a second claim eats what's left. This is exactly why we push for a restoration benefit, it refills the cover for the rest of the policy year.
Usually not. A senior member raises the premium for everyone and can consume the shared cover. A separate senior plan is generally cheaper and safer.
Most insurers add a baby from the next renewal, and some allow it sooner. Tell us when you're expecting and we'll pick a plan that makes this painless.
For a young, healthy family, almost always. Once a member is older or has a health condition, the maths can flip, which is why we compare both before recommending.
Insurers we place family health insurance with
Health insurance
Get family health insurance advice you can trust
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