Family Health Insurance Plans

You can cover self, your spouse, dependent children, parents, and in-laws under our medical insurance for family.

A family health insurance plan adapts to your family’s changing healthcare needs at every life stage. It offers early coverage for young couples, allows newborns to be added to the same policy, supports children as their medical needs grow.

Consider factors like sum insured, hospital network, claim process, and add-on benefits to find the best health insurance policy for family that suits you.

Yes, family health insurance plans cover pre-existing diseases, but there is usually a waiting period of 2 to 4 years, depending on the plan.

You should prefer a family cover if you have a nuclear family with younger, dependent children. However, if you have older parents, specifically above 60 years of age, you should opt for individual insurance policies for parents.

There is no pre-policy medical check-up required under family insurance for a sum insured till 40 lakh and age up to 60 years. However, you might need to undergo medical checks if you are suffering from any pre-existing medical conditions. Also, a higher sum insured requires policyholders to undergo medical checks before policy issuance.

Yes, Coronavirus treatment is covered under our Care health insurance plan for a family. It covers medical expenses related to coronavirus treatment.

You can add family members to an existing family mediclaim policy at the time of renewal.

You can, but using our senior citizen plan is smarter. Having their own policy will give them a higher benefit. It will also cost less because the price of a family policy is based on the eldest member's age.

The shortest family floater mediclaim policy is one year. The longest one is three years, but it can be renewed for a lifetime.

Usually, a family health cover plan covers children up to the age of 24 years. However, the exit age may vary according to the type of plan.

Yes. A cashless claim facility is available for all insured members in a family health insurance policy. For this, however, one has to be admitted to one of the network hospitals of Care Health Insurance.

Under Section 80D of the Income Tax Act, 1961, policyholders of mediclaim policy for family can enjoy tax deductions of up to ₹25,000. Policyholders above 60 years of age can get tax deductions of up to ₹1 lakh in one financial year.

Yes, you can buy multiple health insurance plans for family as per your convenience.

Right coverage, Sum Insured, premium amount, in-built and optional benefits, and other medical expenses are the prime parameters to analyse different plans.

Reduction in PED Wait period, Tenure Multiplier, Instant Cover are some of the prominent add-ons.

You can propose/ buy a policy for your in-laws but can’t be with them in the same family floater.

Yes, visit www.careinsurance.com , enter your phone number and other details and buy a family health insurance online.

Yes, we have 22100+ healthcare providers all over the country which may provide cashless treatment to the insured.

Yes, our Care Advantage provides global coverage under certain policy terms and conditions.

Sum Insured majorly depends on the family’s healthcare needs and medical history. However, as per the current medical costs, the minimum coverage required for a family might be Rs 10 lakh to Rs 15 lakh.

You can add your child to the policy once they are 91 to 180 days old. If your child is older than that, you can include them at the time of policy renewal.

The policy premium depends on several factors like pre-existing diseases of family members, zone, policy, and coverage level.

According to your family health issues, coverage required, number of dependents, and choose a policy that has cashless networks nearby, wait period modification, and affordable premiums with lifelong renewability.

Your policy will lapse, but grace period gives te freedom to make the premium payment without losing coverage or policy lapsing.