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Pay a Single Premium Amount
& Cover the Entire Family
Who do you want to insure?
Additional 5% Online
Discount
13,000+
Cashless Network**
97% Claim
Settlement Ratio^^^
₹7500+ Cr claims
Settled till now^*
Health Insurance Plans For Family
A family health insurance plan provides coverage for all members of a family under one policy. This plan covers medical expenses and hospitalisation costs in case of emergencies or planned procedures without putting a strain on the family's savings. In a family health insurance plan, the sum insured is shared among the members of the family, and it can be used during the policy period when any family member needs emergency medical assistance or is hospitalised.
While choosing health insurance plans for a family, two critical factors that you need to keep in mind are the number of members to be covered and the sum insured. Choose a plan that promises maximum coverage and can cover for members during times of emergency. At HDFC ERGO, we provide comprehensive family health insurance plans with many benefits, including hospitalisation charges, consultation fees, medicines, and more. You can check out these policies online and choose one that meets your requirements and ensures that every member of your family is well taken care of during a medical emergency.
Recommended Health Insurance Plans for Family
No Cost Installment Available*^ 
my:Optima Secure
This family health insurance plan by HDFC ERGO offers 4X health coverage at no additional cost, which means you get 4 times more benefits in health coverage at the cost of your preferred sum insured. Explore other benefits like OPD coverage & no room rent capping to avail quality medical treatments.
Buy Now Know more
my:health Suraksha
This family health insurance plan offers free health inspection every year so that you and your loved ones, stay one step ahead of diseases and illnesses. Family members below the age of 45 do not have to undergo medical tests to get insured. Another key benefit offered by this plan is no room capping during hospitalisation.
Buy Now Know more
Need for Best Health Insurance Plan for Family
While you may think the savings accumulated over the years may be enough to take care of your family’s medical needs. The corpus might run out earlier than you think. Health insurance for families is a crucial tool to safeguard your life savings while taking care of your family’s healthcare needs. A comprehensive family health insurance plan will help you take care of your medical needs even in an era of rising medical costs.
Covers Medical Expenses
Quality Medical Attention
Preventive Health Check-up
Beats inflation
Save Tax^
Peace Of Mind
Compare our Family Health Insurance Plans
- No Cost Installment Available*^
Optima Secure
Optima Restore
my:health Suraksha
my:health Medisure Super Top-up
Just launched
Optima Secure
4X Coverage*
Wider Pre & Post Hospitalisation
Free preventive health-check ups
Key Features
- Secure Benefit: Get 2X coverage from Day 1.
- Restore Benefit: 100% restores your base coverage
- No Cost Installment*^ Option: Credit and Debit card holders can now opt for the No Cost Installment*^ Option
- Aggregate Deductible: You can enjoy up to 50% discount every year by choosing to pay a little bit more. You also have the super power to waive your opted deductible at renewal post completion of 5 years under this Policy.@
Optima Restore
13,000+ Cashless Network
Cashless Claims Settled in 38 Mins*~
Free preventive health-check ups
Key Features
- 100% Restored Benefit: Get 100% of your cover restored instantly after your first claim.
- 2X Multiplier Benefit: Get up to 100% additional policy cover as no claim bonus.
- Complete coverage 60 days prior & 180 days post your hospitalization. This ensures better planning of your hospitalization needs.
my:health Suraksha
No room rent restriction
Sum insured rebound
Cashless claims approved within 38 minutes*~
Key Features
- No Medical Test Upto 45 Years: It’s better to be safe than sorry! Secure your health when you are young to avoid medical tests.
- Free preventive health-checkups: We offer free health check-ups so that you are healthier and happier always
- Cumulative Bonus: Don’t think that your health insurance plan is of no use if you do not make a claim. It rewards you with additional 10% to 25% sum Insured upto a max of 200% depending on the plan opted at the time of renewal.
my:health Medisure Super Top-up
Higher cover at low premium
Compliments existing health insurance
No premium hike post 61 years
Key Features
- Works on Aggregate Deductible: This health plan comes in action once your all round total claim amount reaches the aggregate deductible in a year, it’s not necessary for a single claim to meet the deductible unlike other top-up plans.
- No health checkups upto Age 55 : It’s better to be safe than sorry! Secure your health when you are young to avoid medical tests.
- Pay less, Get more: Opt for a long-term policy of 2 years and get a 5% discount.
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Why Choose HDFC ERGO's Family Health Insurance?
We value your family as much as you do and so we have designed insurance products that cater specifically to the emerging needs of a family.
Cashless Claim Service
13000+ˇ Cashless Network**
4.4 Customer Rating
Almost 2 Decades of Serving Insurance
13,000+
Cashless Network Across India
Jaslok Medical Centre
Address
C-1/15A Yamuna Vihar, Pincode-110053
Roopali Medical
Centre Private Limited
Address
C-1/15A Yamuna Vihar, Pincode-110053
Jaslok Medical Centre
Address
C-1/15A Yamuna Vihar, Pincode-110053
Understand Coverage Offered by Family Health Insurance Policies
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Hospitalisation (including COVID-19)
Our family health insurance plans cover all types of hospitalisation for every family member covered under the plan for emergencies and planned procedures. If you choose or Optima Restore plan for your family, you get 100% restoration of your sum insured after a claim so you don’t have to worry about medical expenses for your loved ones throughout the year.
Pre and Post Hospitalisation
Some illnesses might need prolonged care and attention. To ensure your loved ones heal in peace our family insurance plan covers medical expenses for 60 & 180 days pre and post-hospitalisation respectively, instead of 30 & 90 days availed normally.
All Day Care Treatments
Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well. So for small surgeries and procedures, you or your loved one don’t have to stay back in the hospital for long, instead head back home after the procedure, while we take care of the rest.
Preventive Health Check-Up at No Cost
Prevention is certainly better than cure and that’s why our family health insurance policies offer a free health check-up on renewal for all members included under the plan. This helps to get help earlier if a medical condition is detected for any member and saves on medical bills and painful recovery periods in the future.
Emergency Air Ambulance
If you or your loved one needs to move from one place to another by air for better medical facilities and attention, our Optima secure plan for families is tailored to reimburse the cost of air ambulance transport up to ₹5 lacs.
Road Ambulance
The cost of hospitalisation, medicines and other medical expenses are not the only expenses that are involved during a medical crisis. You might need a well-equipped ambulance to reach the nearest healthcare centre on time. This is why our health insurance plans for families cover road ambulance costs to ensure safety and timely treatment for you and your loved ones.
Daily Hospital Cash
There can be several expenses that can crop up when you or your loved one is hospitalised, like travel expenses, food and other out-of-pocket expenditures. To ease the trouble we give you a daily cash allowance of ₹800 per day up to a maximum of ₹4800 on hospitalisation, with our Optima Secure Plan.
E Opinion for 51 illnesses
Second opinions can at times be a lifesaver and if you want to consult a specialist. Sometimes meeting the experts in person might not be a possibility. To ensure there are no hiccups in your treatment and care we have enabled e-opinion for 51 Critical Illnesses through our network provider in India under Optima Secure plan.
Home Healthcare
Sometimes we heal better within the four walls of our home or need attention from our loved ones to heal faster. In such scenarios, we will pay for the medical expenses incurred by you on home hospitalisation, if advised by the Doctor on a cashless basis.
Organ Donor Expenses
Organ donation can be lifesaving but it is an expensive treatment and requires the best medical expertise and attention to make it a success. We cover medical expenses for harvesting a major organ from the donor’s body where the insured (individual or family) is the recipient.
Alternative Treatments
While advancements in medical technology have maximised outcomes and minimised mortality rates some of us still believe in alternative therapies and traditional medicine. To ensure your faith is preserved and you get the preferred treatment, we cover treatment costs up to the sum insured towards in-patient care for alternative therapies like Ayurveda, Unani, Siddha, Homeopathy, Yoga and Naturopathy.
Lifelong Renewability
Optime Secure plan has your back. Our health insurance policy covers your medical expenses for a lifetime on break-free renewals. This way you can rest assured that you and your family members get the right care and support during a medical emergency without any worry or financial anxiety.
Please read the policy wordings, brochure and prospectus to know more about my Optima Secure.
Adventure Sport Injuries
Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.
Breach of Law
We do not cover expenses for treatment directly arising from or consequent upon any insured person committing or attempting to commit a breach of law with criminal intent.
War
War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.
Excluded Providers
We do not cover expenses incurred towards treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the Insurer. (Contact us for list of de empanelled hospital)
Congenital external diseases, defects or anomalies,
We understand that treatment towards congenital external disease is critical however, we do not cover medical expenses incurred for Congenital external diseases defects or anomalies.
(Congenital diseases refer
to birth defects).
Treatment for Alcoholism & Drug Abuse
Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof remains uncovered.
How Many Members Can Be Covered Under Family Medical Insurance Plans?
The number of members covered under a family health insurance policy depends on the sum insured and the number of people included in the plan. Usually, family health insurance plans permit inclusion for spouses and dependent children. A few plans also permit the consideration of ward guardians. In addition, certain family health insurance plans offer a provision to cover individuals, spouse, dependent children, and dependent parents along with relationships like siblings, parents-in-law, grandfather, grandmother, grandson, granddaughter, son-in-law, daughter-in-law, sister-in-law, brother-in-law, nephew, and niece. However, make sure that if you are including more members of your family, you choose a premium that will ensure coverage for all. Your premium in that case could also increase.
How to Make a Claim for your HDFC ERGO Health Insurance?
The sole purpose of buying a health insurance plan for the family is to get financial support at the time of a medical emergency. Hence, it is important to read the below steps to know how the Health Insurance claims process works differently for cashless claims and reimbursement claim requests.
Health Insurance Cashless Claims get approved within 38*~ minutes
Intimation
Fill up the pre-auth form at the network hospital for cashless approval
Approval/Rejection
Once hospital intimates us, we send you the status update
Hospitalisation
Hospitalisation can be done on the basis of pre-auth approval
Claim settlement
At the time of discharge, we settle the claim directly with hospital
We settle reimbursement claims within 2.9 days~*
Hospitalisation
You need to pay the bills initially and preserve the original invoices
Register a claim
Post hospital discharge send us all your invoices and treatment documents
Verification
We verify your claim related invoices and treatment documents
Claim Settlement
We send the approved claim amount to your bank account.
Save Tax with Family Health Insurance Policy
Tax Benefits on Single Premium Medical Insurance Plans
Don’t just protect your family from health emergencies, but also save on taxes with family health insurance. Reduce your tax liability up to ₹1,00,000 in a year under Section 80D of the Income Tax Act, 1961.
Also Read : Income Tax Return
Higher Tax Benefit on Senior Citizen Health Insurance Plans
Investing in family health insurance can help you avail of deduction of up to ₹25,000 in a financial year.
Deduction for a premium paid for parent’s health insurance
Get an additional tax deduction of ₹25,000 for the health insurance bought for parents. If any of your parents is a senior citizen, the deduction limit increases to ₹30,000.
Deduction on preventive health check-ups
You can get tax benefits up to ₹5000 in a year for preventive health check-ups.
Please note that the above-mentioned benefits are as per the current tax laws prevailing in the country. Your tax benefits may change subject to tax laws. It is advisable to reconfirm the same with your tax consultant. This is independent of your health insurance premium value.
Things to Consider Before Buying a Family Health Insurance Plan
A few factors which you should consider while purchasing a family health insurance plan are as follows:
1
Comprehensive Coverage & Benefits
When buying a family health insurance plan, it is important to check the coverage and the benefits it offers. Usually, family health insurance plans cover you for in-patient hospitalization, pre and post-hospitalization, daycare expenses, domiciliary hospitalization, organ donor harvesting, and road ambulance expenses. Other inclusions are lifetime sustainability benefits, tax benefits, etc.
2
Sum Insured Flexibility
Healthcare costs in the country are increasing each day. Hence, you should buy health insurance for your family that is flexible and helps you to expand your total protection at the time of restoration. Some health insurance companies offer you an increase in the sum insured as a reward if you have not made any claim in the previous year. Look for those benefits.
3
Cashless Hospitalization
This benefit keeps you stress-free as you do not have to arrange funds at the last minute, to get the required treatment. So, while choosing a family health insurance policy, make sure that the insurance company has a strong list of network hospitals. Also, check if some of them are near your residence so that in case an emergency arises, you do not waste time running pillar to post for hospital admission.
4
Renewability Age Limit
Usually, family health insurance plans come with lifetime renewability benefits. However, some health insurance companies limit the renewability age to 60-65 years. So, if you have your parents under your policy, check if they are still eligible for the benefits offered under the plan if they cross the age limit.
5
Easy Claim Process
Even though the claim settlement process of every health insurance company is the same, it is still important to check if the insurance company you are choosing as your preferred partner has a smooth claim settlement ratio. If not it will defy the need to buy a health insurance plan for the family.
6
Policy Exclusions
While it is obvious to check the inclusions under a family health insurance policy, it is equally important to check the exclusions as well. Choose a policy which has the least amount of exclusions and gives you and your family comprehensive coverage.
Am I eligible to buy a Family Health Insurance Plan?
While buying health insurance, we often think if all our family members are eligible for getting insurance. The eligibility for health insurance primarily depends on
1
Previous Medical Conditions / Pre-Existing Illnesses
It is extremely important to declare your medical history honestly while buying health insurance. Non-severe illnesses like fever or flu may not matter, but diseases like cancer or heart ailments have to be declared. The insurer may cover certain pre-existing diseases after the waiting period, while some diseases may require additional premium.
2
Age
If you are over the age of 18 years, you will not face any problems while getting health insurance. Senior citizens can get insured up to the age of 65. With HDFC ERGO, you can also get insurance for your new born baby, but you need to have mediclaim insurance with us to get the baby covered.
Benefits of Buying, the Best Health Insurance Plans for the Family
Reason 1.
Lower dependancy on group plans
Lower dependancy on group plans
Your employer may have offered you health insurance that also covers some of your family members. It is, however, important to remember that employer health insurance remains active only till you are part of the company. Your family may not have any kind of coverage when you look for a new job. Moreover, many employers do not offer health coverage during the probation period. Do not rely on the cover provided by the employer for the health of your family.
Reason 2.
Remain prepared for all emergencies
Remain prepared for all emergencies
Many of us delay health insurance for the future and realise our folly only when an emergency hits. Do not let any untoward incident disturb the peace and happiness of your family. Get family health insurance and ensure good health for all the members.
Reason 3.
Comprehensive coverage
Comprehensive coverage
Just buying a health insurance plan may not be enough. If you do not have adequate coverage, your family members may not be able to avail of certain healthcare facilities when needed. It is important to get all the members insured so that your family has comprehensive coverage, especially if you reside in a large city as medical facilities in cities are relatively expensive.
Benefits of Buying Health Insurance Plans for Family
| Feature | Individual Health Insurance | Family Health Insurance |
| Definition | Covers only one person and the insurance amount is kept for their treatment, with no scope to share it. | The plan is shared among the family members and has a capped amount, which when crossed, cannot be utilized by any other member. |
| Coverage | The amount covered in this case is solely meant for the individual policyholder. | This amount can be used by the entire family, with no set amount for each member. But they can only utilize upto the sum insured |
| Premium | The premium is calculated based on the age of the policyholder. | Usually, the age of the oldest family member is considered for calculating the premium. |
How Many Members Can Be Covered Under Family Medical Insurance Plans?
The number of members covered under a family health insurance policy depends on the insurance. Usually, family health insurance plans permit inclusion for spouses and dependent children. A few plans also permit the consideration of ward guardians. In addition, there are certain family health insurance plans that offer a provision to cover individual, spouse, dependent children, and dependent parents along with relationships like siblings, parents-in-law, grandfather, grandmother, grandson, granddaughter, son-in-law, daughter-in-law, sister-in-law, brother-in-law, nephew, and niece.
Documents Required to Buy Family Health Insurance
A list of the documents required while purchasing family health insurance plans:
1
Age proof
Since most insurance companies set an entry age, it is an important document required at the time of buying health insurance. You can give a copy of any of the following documents:
• PAN Card
• Voter ID Card
• Aadhaar Card
• Passport
• Driving License
• Birth Certificate
2
Address proof
For communication purposes, the health insurance provider would need to know the postal address of the policyholder. The following documents can be submitted by the policyholder:
• Driving License
• Ration Card
• PAN Card
• Aadhar Card
• Utility Bills such as telephone bill, electricity bills, etc.
• Rental Agreement in case applicable
3
Identity proof
Identity proofs help the insurance company to distinguish the sort of inclusion proposed to the policyholder. The following documents can be submitted by the policyholder:
• Passport
• Voter ID Card
• Driving License
• Aadhar Card
• Medical Reports (in case asked by the insurance company)
• Passport Size Photo
• Duly filled and signed proposal form
Why Buy Family Health Insurance Online?
Convenience
Why take the pain of filling out lengthy documents and standing in a queue? Online health plans offer unprecedented convenience. You can conduct research, seek expert opinion and buy the right family health insurance plan, with the click of the mouse.
Secured Payment Modes
With contactless payment becoming the norm, why make cash or cheque payments. Use your debit card, credit card or net banking facility to make secured payments online.
Instant Quotes & Policy Issuance
You can customise the plan, change the number of members or modify the plan and get the premium instantly. You do not need a person to calculate the health insurance premium for different scenarios. Everything is at your fingertips when you buy online.
Have the policy document handy
Eliminate the wait for the policy document. Get the policy document instantly in your mailbox as soon as you pay the first premium.
Absolute transparency
Get access to all policy-related documents in the my:health services mobile application. You can book online consultations, monitor calorie intake and calculate BMI all through the mobile application.
How to Buy a Health Insurance Plan for Family Online from HDFC ERGO?
HDFC ERGO offers you a wide range of family health insurance plans. You can buy the plans online as well as offline. To buy these plans online, you are required to follow the easy steps given below:
1. Visit hdfcergo.com and click on the ‘health insurance’ tab.
2. Enter personal details asked on the form.
3. Then you will be guided to the plans, choose accordingly and follow the instructions.
Health Insurance Reviews & Ratings
DEVENDRA KUMAR
EASY HEALTH
5 June 2023
BENGALURU
Very nice services, keep it up. Best wishes to team members.
G GOVINDARAJULU
HDFC ERGO GROUP HEALTH INSURANCE
2 June 2023
COIMBATORE
My sincere thanks to your customer service executive Ms Meri who has helped me uploading the claims on your website.Her knowledgeable guidance was very helpful. Such help is very much appreciated for Senior Citizen like us. Thank you once again
RISHI PARASHAR
OPTIMA RESTORE
13 Sep 2022
DELHI
Excellent service, nothing to complain about. You are number one in terms of service. My uncle suggested me to purchase insurance from you and I am very happy
VASANT PATEL
MY:HEALTH SURAKSHA
12 Sep 2022
GUJARAT
I have a policy with HDFC and it has been a great experiense with HDFC team.
SHYAMAL GHOSH
OPTIMA RESTORE
10 Sep 2022
HARYANA
The excellent services have helped me feel mentally very secured and at peace while undergoing treatment for these life threatening disease. Looking forward to the same excellent service in the future as well.
Nelson
Optima Secure
10 Jun 2022
Gujarat
Thanks for calling me. The customer care executive was very articulate and systematic about various products of HDFC Ergo Health Insurance. It was great talking to her.
A V Rammurty
Optima Secure
26 May 2022
Mumbai
Thanks for calling me and explaining to me in great detail the various features of Optima Secure and Energy Health Insurance Policies. The customer service executive was very articulate, systematic, and knowledgeable about various products of HDFC Ergo Health Insurance. It was great talking to him.
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Frequently Asked Questions
1. What is a family health insurance plan?
A family health insurance plan covers your entire immediate family. A single health insurance plan that provides comprehensive coverage and several additional benefits such as preventive health check-ups, cashless treatment, lifelong renewability, etc. A fixed sum is insured under a family health insurance plan which covers the members.
2. Why do I need family health insurance?
Healthcare costs have been on the rise since the onset of Covid19. With rising medical expenditures and prevailing ailments, a family health insurance policy with an adequate cover acts as a shield to safeguard you and your family. Besides, a family health insurance policy is lighter on the pocket as compared to buying individual policies for each family member.
3. How does a family health insurance plan work?
The floating sum insured in a family floater health insurance plan is fixed and is shared by all family members. When a family member is hospitalised due to a medical emergency or a planned hospitalisation, you can choose to go for cashless treatment at your insurance provider’s empanelled network of hospitals. In the case of non-network hospitals, you can claim reimbursement by submitting treatment and billing-related documents to your insurance provider’s claim settlement team. While choosing an insurance provider, it is advisable to select the one with a high claim settlement ratio.
4. Can I include my parents in the family floater policy?
Yes, you can include your parents in the family floater policy. You can do so while buying the policy or include your parents during the renewal of your policy.
5. Can I include my newborn in the family floater policy?
Yes, you can include your newborn in the family floater policy. If you have a maternity cover, then your newborn is covered for up to 90 days in the policy. Else, you can add your new born to your existing policy after a waiting period of 90 days.
6. Do I get the cashless treatment facility with a family health insurance plan?
Yes, a cashless treatment option is available if you choose from the empanelled network of hospitals. The bill is settled directly with the empanelled hospital by your insurance provider. HDFC ERGO health insurance policies covers 13000+ˇ network hospitals across India.
7. Can I add family members to the existing policy?
Yes, family members can be added to the health insurance plan at the time of renewal of the policy. Subject to terms and conditions of the policy.
8. How much does health insurance cost for a family?
On average, a cover of 10 lakhs can cost you anywhere between 25,000 to 30,000 INR annually.
9. Is the cashless facility provided under a family health insurance plan?
Yes, you can avail a cashless facility for self or family members from any of the network hospitals of your insurer. At HDFC ERGO we provide cashless hospitalisation in our 1200+ network hospitals.
10. How can I add a family member to an existing policy?
You need to get in touch with your insurer to add a family member to your existing policy with all the required documents such as identity proof, age proof etc.
11. I am already covered under a corporate health policy, do I need a separate health insurance plan for my family?
Yes, it is advisable to buy a separate health insurance policy even if you are already covered under an employer health plan. An employer health insurance policy is valid till the time you are working with the organisation. Your health cover will cease to exist as soon as you change the organisation or start your own venture. You will be left uninsured till you find another job and in case of a medical emergency, you’ll be left stranded without a safety net. In such scenarios, a separate health insurance policy will come to your aid.
12. Why should you opt for HDFC ERGO health insurance plans for family?
Features listed below highlight why one should opt for HDFC ERGO Family health insurance plans.
- • Affordable premiums
• Comprehensive coverage
• Empanelled network of 13000+ˇ hospitals
• Lifelong Renewability
• Additional 5% discount online
• Pre & Post hospitalisation expenses
• Tax savings under Section 80D of the Income Tax Act
Awards & Recognition
BFSI Leadership Awards 2022 - Product Innovator of the Year (Optima Secure)
ETBFSI Excellence Awards 2021
FICCI Insurance Industry
Awards September 2021
ICAI Awards 2015-16
SKOCH Order-of-Merit
Best Customer Experience
Award of the Year
ICAI Awards 2014-15
CMS Outstanding Affiliate World-Class Service Award 2015
iAAA rating
ISO Certification
Best Insurance Company in Private Sector - General 2014
