health insurance plans for family

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.

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.

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.

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.

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.

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.

On average, a cover of 10 lakhs can cost you anywhere between 25,000 to 30,000 INR annually.

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.

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.

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.

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