ಕುಟುಂಬಕ್ಕಾಗಿ ಹೆಲ್ತ್ ಇನ್ಶೂರೆನ್ಸ್ ಪ್ಲಾನ್‌ಗಳು

Healthcare costs have been on the rise, since the last few years. 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 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 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. Otherwise, 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 come with 16000+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 the terms and conditions of the policy.

The cost/premium can differ based on several factors, such as the number of people insured, the maximum coverage opted for, the age of the insured members, and so on. You can use a family health insurance premium calculator or reach out to a company representative to get clear estimates.

You need to get in touch with your insurer to add a family member to your existing policy. You can submit the required documents, such as identity proof, age proof, etc.

Yes, it is advisable to buy a separate medical insurance policy for your family even if you are already covered under an employer’s 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.

• In case of a medical emergency, you’ll be left stranded without a safety net.

In such scenarios, a separate medical policy for family 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 16000+ˇ hospitals • Lifelong Renewability • Additional 5% discount online • Pre & Post hospitalisation expenses • Tax savings under Section 80D of the Income Tax Act.

A family health insurance plan usually covers the policyholder, spouse, and dependent children under a single sum insured. Some plans may also allow coverage for dependent parents or other family members, such as in-laws or siblings. The more members you include, the higher the premium may be. Buying health insurance for a family of 3 will cost less than buying health insurance for a family of 4. Hence, it is important to choose a sum insured that is adequate for everyone covered.

Eligibility for a family health insurance plan mainly depends on two factors:

Pre-existing medical conditions: You must declare any existing illnesses at the time of purchase. Some conditions may be covered after a waiting period, while others may attract a higher premium.

Age: Adults above 18 years are eligible to buy a policy. Many insurers also allow newborn babies to be added, provided the parents are already covered under the plan.

In health insurance for family coverage, the sum insured is shared among all covered members. If one member uses up the entire sum insured during the policy year, the remaining members may not have coverage for further claims unless the policy offers a sum insured restoration or refill benefit. With restoration, the sum insured gets reinstated (partially or fully) for subsequent claims, subject to policy terms.

Yes, you can increase the sum insured at the time of policy renewal. Insurers usually allow an upgrade in coverage during renewal, subject to underwriting and policy terms. The enhanced sum insured may come with waiting periods for certain benefits or pre-existing conditions. Increasing the sum insured is advisable, as medical costs keep rising over time.

Family health insurance can be suitable for senior citizens if the plan allows their inclusion and offers adequate coverage. However, since premiums are calculated based on the age of the oldest member, including senior citizens may increase the overall premium.

In many cases, buying a separate senior citizen health insurance plan for parents while keeping a family floater for self, spouse, and children may work better

If a covered family member gets married or becomes financially independent, they may no longer be eligible to remain in the mediclaim plan for family. In such cases, the member can move to an individual health insurance policy through portability. They can check if they lose accrued benefits like waiting periods.

Yes, you can have both a family health insurance plan and an individual health insurance policy at the same time. This can help increase overall coverage and acts as an additional financial safety net. If a medical claim exceeds the family floater sum insured, the individual policy can be used to cover remaining expenses, as per policy terms.

HDFC ERGO Optima Secure is one of the best health insurance plans for husband and wife in India because it tackles key concerns like rising medical costs, inadequate sum insured, and unexpected claim deductions by offering up to 4× coverage from Day 1. It also provides complete freedom in hospitalisation with no room rent or ICU rent limits, ensuring you and your spouse can choose any room without extra expenses. This combination of high coverage and flexibility makes it a strong, reliable choice for couples in India.