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Health Insurance For Family

A family health insurance is a type of health insurance , which covers the entire family in a single insurance plan. It can be further customized as per your family’s needs. Your family gets the much required health insurance coverage against rising medical expenses. It includes pre & post hospitalization expenses, doctor consultation, ambulance cover and other medical expenses arising in case of illness and accidents.

Our life revolves around our family. Securing their medical need should always be your top priority. Can you imagine something more important than your family? No, right? Then why let their health, happiness and financial stability be at stake? With the growing risk of diseases and skyrocketing medical treatment expenses, a sound health insurance policy is the shield around your family. With HDFC ERGO health insurance bind your family in a safety bond.

Choice is power. Exercise it by picking the plan that suits you the most.

Affordable Family Health Insurance
Affordable Family Health Insurance
my:health Suraksha Silver Smart is the most-suited plan for your family that takes care of all your medical needs at an affordable premium with sum insured ranging from 3 to 5 lakhs.
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Recommended Family Health Insurance
Recommended Family Health Insurance
With sum insured ranging from 7.5 to 15 lacs, my:health Suraksha Gold Smart Plan offers optimum coverage towards quality healthcare needs ensuring your family remains protected.
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High sum insured plan
High sum insured plan
How about getting a high sum insured plan which will give a tough fight to the soaring medical expenses? Get my:health Suraksha Platinum Smart, with sum insured ranging from 20 to 75 lakhs.
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Affordable Top-up plan
Affordable Top-up plan
Boost your existing health plan with a super top-up policy that offers higher coverage at a lower premium. This plan will keep the stress of medical bills at bay and beat the medical inflation.
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What is covered in a health insurance policy?

Sum Insured rebound

Sum Insured rebound

This acts like a magical back-up, which recharges your exhausted health cover to treat the next hospitalization of a new illness or injury.

Installment Benefit

Installment Benefit

Do you like the idea of paying your health insurance premium in installments? If yes, then get your health cover with us and make the most of our installment benefit.

No Medical Test Upto 45 Years

No Medical Test Upto 45 Years

If you are young, hale and hearty then get yourself a health insurance plan by HDFC ERGO without any medical check-ups.

Cashless Home Health care**

Cashless Home Health care**

If your Doctor recommends you can get yourself treated at home and avail cashless medical facilities then this feature would be of utmost help.

Hospitalisation expenses

Hospitalization expenses

Just like every other health insurance plan, we cover you for your medical hospitalization due to illnesses and injuries seamlessly.

Pre & Post Hospitalisation

Pre & Post Hospitalisation

It means all your pre-hospitalization expenses upto 60 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, investigation etc.

Day care procedures

Daycare procedures

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.

AYUSH Benefits

AYUSH Benefits

Let your belief in alternate therapies like Ayurveda, Unaani, Siddha and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.

Organ Donor Expenses

Organ Donor Expenses

Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor when harvesting a major organ transplant.

Recovery benefit

Recovery benefit

If you stay in a hospital for more than 10 days at a stretch then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization. (Amount specified in the policy wording)

Mental healthcare

Mental healthcare

We believe mental healthcare is just as important as hospitalization due to physical illness or injury; hence we cover hospitalization expenses incurred for treating mental illnesses.

Free Renewal Health Check-up

Free Renewal Health Check-up

Get a free health check-up within 60 days after policy renewal done by HDFC ERGO at the time of renewing your policy with us.

Save Tax upto ₹ 75,000*

Save Tax upto ₹ 75,000*

Did you know that a health insurance plan is not just meant to safeguard your savings but also help you save tax? Yes, you can save upto ₹ 75,000 with HDFC ERGO Health Insurance plans.

Lifetime Renewability

Lifetime Renewability

Once you get yourself secured with our health insurance plan there’s no looking back, this health insurance plan continues for your entire lifetime on break free renewals, you don’t have to exit from it.

No entry age restriction

No entry age restriction

If you are 18 years old and above you can buy our health insurance plan without any hesitation. We secure people of all age groups.

Things to look at when buying a family health insurance plan

Is age a criteria ?
There are health plans that have an age criteria and those that don’t. Some may look at a minimum age entry criteria of 91 days and a maximum age entry criteria of 60 years. There are also others who have no such criteria like HDFC ERGO. We do not imply entry age and exit age restrictions. So you may choose one that works best for you!
Premium to coverage ratio
It could be tempting to buy insurance for the lowest premium possible. This temptation can sometimes blind you to the exclusions that may result because of the low premium. It is therefore wise to read up the prospectus before choosing the premium you’d want to pay.
Is there a waiting period clause ?
Most insurers will have a waiting period clause for claims against hospitalisation occurring from pre-existing medical conditions. While in most cases it can be anywhere between 24 and 48 months, it is applicable for pre-existing conditions including blood pressure, thyroid, diabetes and others. It is important to be aware of this, as one can then apply for a policy with the lowest possible waiting period.
Is cashless hospitalisation available?
In times of emergency, the cashless hospitalisation facility can be a lifesaver, as it means it will save you from having to arrange funds hurriedly. It can save tedious paperwork during both admission and claim. Moreover the insurance provider makes the payment directly to the hospital, with little or no involvement in the process from the policyholder. With a wide network of 10,000+ cashless hospitals, healthcare is never too far.
Ease of claims process
Filing a claim can be a tricky process. You should read the claims process part of your policy document carefully before investing in it. At HDFC ERGO, we process cashless claims within 20 minutes and reimbursement claims are settled within 6 hours.
Pre and Post hospitalisation cover
Most insurance policies will cover expenses incurred during hospitalisation. But to maximise your savings on healthcare it makes sense to invest in a healthcare policy that covers incidental expenses before and after hospitalisation, like ambulance fees, medical tests, doctor fees, medicines and other expenses. We at HDFC ERGO, cover 60 days pre-hospitalisation and 180 days post hospitalisation expenses.

Benefits of buying health insurance plans for the family

One of the most important responsibilities we take on as adults is the well-being of our families. With the growing cost of healthcare, a global pandemic and other factors weighing in heavily on us, buying health insurance plans for the family has never been more important.

One premium, multiple covers
A family health insurance plan is one where, with the payment of a single premium, multiple family members are eligible for coverage. This brings down the amount of premium spent on healthcare insurance considerably.
The convenience of adding new members
A family health insurance plan offers a family the flexibility of adding new family members to the existing plan. All this with minimal paperwork and increase in premiums depending upon the age and other factors.
Stress-free hospitalisation
Besides a single premium payment, the family health insurance offers peace of mind, including cashless hospitalisation at network hospitals for any of the insured family members. Gone are the days of having to arrange funds for hospital procedures at the last minute.
The option of health insurance cover for parents and dependents
As part of the family health insurance plan, the primary holder can opt to include parents and other dependents like in-laws as a part of their ‘family plan’. All this at an additional premium(s) for each dependent added.
Covid protection for the family
In times of a global pandemic like Coronavirus, it is vital that our families have the protection they deserve. Most insurers are now offering Coronavirus protection as part of the family plans.
Add on benefits
The family health plan gives the insured party the option to add various add-ons to their existing policy. These could include critical illness, maternity benefits and others. While most of these add-ons are subject to waiting period clauses, having them makes family and future planning a lot easier.
A slew of discounts
As a purchaser of a family health insurance plan, you will be eligible for a number of discounts and perks offered by your insurance provider. This is definitely one of the best ways to take care of the healthcare needs of your family.
Insurance premiums are subject to tax exemption
Under Section 80D of the Income Tax Act, insurance premiums are exempt from tax. If you’re paying healthcare insurance premiums for your family &/or parents, this exemption is applicable to your premiums.

Why do you need a Health Insurance Cover for your Family?

Lifestyle Diseases
Lifestyle Diseases

With lifestyle diseases on the rise and healthcare costs skyrocketing, it’s wise to go for health insurance for your family. You will be financially secured against any medical emergencies.

Inadequate insurancer family
Inadequate insurance

Sometimes, buying just one insurance policy may not cover all your needs. Go for add-on insurance for that extra protection for your family.

Beat medical inflation
Beat medical inflation

Hospital expenses can burn a hole in your pocket. Going for a medical insurance policy for your family will ease your financial burden.

Early Decision
Early Decision

Buying health insurance at a younger age comes with some benefits like lower premium and bigger covers.

Integrated Wellness Services
Integrated Wellness Services

Holistic wellness is the key to an overall healthy lifestyle. Our insurance plans cover wellness services too.

Tax Savings
Tax Savings

Apart from providing you and your loved ones financial security in times of emergencies, health insurance also provides tax benefits on the premiums upto  *Rs.75,000 a nnually.

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Other related articles

 

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Frequently asked questions

You can opt for a family floater plan or cover each member individually under the same policy.
In a family floater health insurance plan, single sum insured is shared by all the family members during the policy period whereas in an individual plan, each member has his/her own sum insured.
Yes,  you can also enjoy a 10% discount on premium when you choose to cover more than 2 family members on an individual sum insured basis in the same health insurance policy.
Yes. You can endorse the policy and add your newly wedded spouse to the policy mid-term at an additional cost by producing a marriage certificate.
Yes. You can endorse the policy and add your  newborn baby to the policy mid-term at an additional amount by producing the birth certificate.
You cannot take an independent policy for a 3 year old. Children below 5 years are covered only when both the parents are covered under the policy
Firstly your entire family gets covered under 1 policy as all the sum insured will be shared by all the members. Renewals also becomes easier since you need not renew each and every individual health insurance. Secondly, the premium becomes much lesser as compared to individual Sum Insured Health Insurance.
In case of the death of the primary insured, the other adult person may continue with the policy and the sum insured will remain the same.
At the time of renewals, you can increase your sum insured.
In case you are hospitalized and your policy lapses we will cover you.

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