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By clicking Start Now, you authorize Niva Bupa to Call/SMS/Whatsapp on your registered mobile overriding DNCR.Family Health Insurance Plan
A family health insurance plan offers more than just coverage. It brings peace of mind during medical uncertainties. As healthcare costs rise and needs evolve, having a single policy that protects your entire family ensures both financial security and timely care. Discover how the right plan can simplify your life and safeguard your loved ones.
Network of 10,000+ cashless hospitalization
30 Mins Cashless Claim Policy
1.4 Crore+ Happy customers
Why Choose Niva Bupa?
Trusted by over 1.4 crore+ happy customers, Niva Bupa (formerly known as Max Bupa Health Insurance) provides a wide range of health insurance plans to suit every need
30 min
Cashless Claim Processing 1
15 Lakh+
Claims paid since inception 2
1.4 Crore+
Happy customers served till date
Custom Health Insurance Plans designed for You
A plan that rewards you for starting young
Starts from
₹8,6321
Annual Premium
₹5,00,000
Sum Insured
- Lock the age, pay premiums as per entry age till you claim
- Don’t lose what you don’t use. Carry forward the balance sum insured
- Maternity coverage including IVF, Adoption and more
- Use and get back your base coverage. Unlimited times and forever
Nothing Seems Impossible. The Most Comprehensive health insurance plan.
Starts from
₹7,8212
Annual Premium
₹5,00,000
Sum Insured
- Save as you age. Pay as per entry age, until you claim.
- Use and get back your base coverage. Unlimited times and forever.
- Don’t lose what you don’t use. Carry forward the balance sum insured
- Up to 30% discount on renewal premium basis step count
A Health Insurance Plan that works your way
Starts from
₹4,8043
Annual Premium
₹5,00,000
Sum Insured
- Pay Apne Hisaab se! Flexible or One Time. Sooner the payment, higher the discount
- Get 50% of your premium back, accumulate it, and even get 10% bonus for life. No waiting periods or exclusions on this amount.
- Get ₹5,000, if treatment taken in any Govt. hospital and claim not paid under this policy
- Access unlimited digital consultations with general physicians through our mobile app.
A comprehensive health insurance plan,with coverage for you and your family according to your needs and lifestyle.
Starts from
₹11,5714
Annual Premium
₹5,00,000
Sum Insured
- Comprehensive coverage up to ₹3 Cr
- In-built travel insurance coverage for multiple trips in a year
- Modern Treatments coverage
- Maternity (worldwide) and new born baby cover
The Smart Health Insurance Plan with Smart Feature to keep your family protected
Starts from
₹11,7755
Annual Premium
₹5,00,000
Sum Insured
- No Room Rent Capping
- Modern Treatments Covered up to Sum Insured
- Hospitalisations of 2 hours or more covered
- One time refill of Base Sum Insured, even for same illness.
Benefits of Buying Family Health Insurance
There are several benefits one can enjoy while purchasing the Family health insurance in India.
Affordable Premiums:
Family medical insurance plans offer cost-effective coverage compared to individual plans for each family member. This affordability is enhanced by significant 20-40% discounts when bundling multiple individuals under one policy. These savings not only make healthcare coverage more accessible but also aid in managing household cash flow allocated for medical expenses.
Quick Links
Network Hospital
Find hospitals near you that are covered under our insurance network for hassle-free cashless treatment
Family Health Insurance
Get comprehensive coverage for your entire family under a single health insurance plan.
Claim Settlement Ratio
Check our track record for successfully settled claims, ensuring peace of mind when you need it most.
Premium Calculator
Calculate your insurance premium easily to choose a plan that fits your budget.
Best Insurance Plans
Explore our top-rated insurance plans that offer extensive benefits for various healthcare needs.
How does Our Claim Process work?
Get to know the steps involved in the claim Process, Whether it is a planned or emergency hospitalisation. Filling a claim is made easy by choosing any of the following ways:
Hospital Admission:
Get admitted to a Niva Bupa network hospital.
Identification:
Present your Niva Bupa Health Card or policy number along with valid ID (Passport/PAN card/Voter’s ID) to the hospital staff.
Pre-authorisation:
The hospital will verify your details and submit a pre-authorisation request to Niva Bupa.
Niva Bupa Confirmation:
After verification, Niva Bupa will confirm coverage to the hospital via fax and email, and notify you by text and email, typically within 30 minutes of the request
Final Settlement:
Upon completion of treatment and necessary formalities, the hospital will settle the claim with Niva Bupa according to your policy terms.
What is Family Health Insurance?
Family health insurance refers to medical coverage extending benefits to a household rather than just an individual. It typically covers all family members under a single policy, providing financial protection against various medical expenses. These include hospitalisation, doctor visits, prescription medications, diagnostic tests, and dental and vision care.
Family health insurance plans ensure that all family members can access necessary healthcare services without significant financial burdens. They offer flexibility in choosing healthcare providers and hospitals while promoting preventive care measures to maintain overall family well-being. This type of insurance is crucial in safeguarding families against unexpected health crises and ensuring continuous access to quality medical treatment when needed
Reasons to Choose Family Health Insurance
Comprehensive Coverage for the Whole Family: Family health insurance provides extensive coverage that includes all household members, ensuring that everyone, from children to elderly parents, can access necessary medical care without worrying about individual policy limitations. This comprehensive approach simplifies healthcare management, as all family members can be treated under the same plan, covering a wide range of medical services such as doctor visits, hospitalisation, maternity care, and preventive screenings.
Financial Protection Against Healthcare Costs: One of the primary reasons to opt for family health insurance is its ability to shield families from the high costs associated with medical treatment. Families can significantly reduce out-of-pocket expenses for medical emergencies, chronic conditions, surgeries, and ongoing healthcare needs by paying a monthly premium. This financial safety net ensures that unexpected medical bills do not
Access to Quality Healthcare Providers: Family health insurance often allows policyholders to choose from a network of healthcare providers, including hospitals, specialists, and primary care physicians. This network ensures access to quality healthcare services, enabling family members to receive timely treatments and consultations from trusted medical professionals. Having a preferred network also facilitates coordinated care, ensuring that all aspects of a family's health are managed efficiently and effectively.
Coverage for Preventive Care Services: Many family health insurance plans emphasise preventive care, covering routine check-ups, vaccinations, and screenings to detect health issues early. Promoting preventive measures, such as annual wellness exams and screenings for conditions like cancer and heart disease, these plans help families maintain good health and address potential health concerns before they escalate. This proactive approach enhances overall well-being and reduces long-term healthcare costs by preventing the onset of more serious illnesses.
Support During Maternity and Childbirth: Family health insurance often includes coverage for maternity, childbirth, and newborn care, providing essential financial support during pregnancy and after delivery. These benefits can encompass prenatal care visits, labour and delivery expenses, postpartum care for both mother and child, and paediatric services for newborns. This comprehensive coverage ensures that growing families receive the necessary medical attention and support during critical stages of life, promoting healthy outcomes for both mothers and babies.
Flexibility to Add Dependents: Family health insurance plans offer flexibility in adding dependents, accommodating changes in family dynamics such as adding children through birth or adoption. This flexibility allows families to adjust their coverage as their household grows, ensuring that every family member is adequately insured. Whether it's adding a new baby to the plan or including elderly parents as dependents, family health insurance adapts to meet evolving healthcare needs. It provides continuous coverage for all family members.
Peace of Mind and Long-term Health Management: Ultimately, choosing family health insurance provides peace of mind, knowing that loved ones are covered in medical emergencies or unexpected health issues. Beyond immediate benefits, these plans support long-term health management by encouraging regular medical care, promoting healthy lifestyle choices, and providing access to ongoing treatments for chronic conditions. Families invest in their health and well-being by investing in family health insurance, ensuring a secure foundation for their future health outcomes.
How Does Family Health Insurance Work?
Family health insurance provides coverage for medical expenses incurred by the insured family members. It operates on the principle of pooling risks, where the premium contributions from many policyholders fund the healthcare costs of those needing medical attention. Typically, family health insurance covers hospitalisation, daycare procedures, and sometimes outpatient expenses depending on the policy terms. The insured family pays an annual premium, and in return, they receive financial protection against unexpected medical bills.
Types of Health Insurance Plans in India
The below-mentioned features ensure that health insurance policies provide comprehensive coverage for various medical needs while considering factors like waiting periods, co-payments, and additional riders.
Individual Health Insurance Plans
An Individual Health Insurance Plan is a type of insurance policy created to provide financial coverage for medical expenses incurred by a single person.
Note: The sum assured of the policy is directly dependent on the age, health and income level of the insured individual.
Family Floater Health Insurance Plans
A Family Floater Health Insurance Plan is an extensive insurance policy designed to provide medical coverage for an entire family under a single sum insured.
Note: Keep in mind that the premium of a family floater policy is heavily dependent on the age of the oldest family member covered under the plan.
Senior Citizen Health Insurance Plans
A Senior Citizen Health Insurance Plan is a customisable or personalised medical plan to provide support and care for seniors in their golden years.
Note: Anyone above the age of 65 can opt for such a cover.
Eligibility Criteria to Buy Family Insurance
Eligibility criteria for family health insurance vary among insurers but typically include:
Relationship: Members must be related as per the insurer's definition (spouse, children, parents).
Age: There may be age limits for children covered under the policy.
Medical History: Some insurers may require disclosure of pre-existing conditions.
Residency: Policyholders often need to be residents of the insurer's service area.
Knowing all about inclusions & exclusions
Understanding insurance terms is vital before selecting a policy. Explore the language of health insurance to make informed decisions.
Inclusions | Exclusions |
|---|---|
Hospitalisation: Covers expenses related to room rent, surgery, ICU charges, etc. Daycare Procedures: Coverage for medical procedures not requiring overnight hospitalisation. Pre and Post-Hospitalisation: Expenses incurred before and after hospitalisation for a specified period. Ambulance Charges: Cost of ambulance services during an emergency | Pre-Existing Conditions: Medical conditions present before the policy's start date. Non-Medical Expenses: Expenses not directly related to medical treatment. Alternative Treatments: Costs associated with alternative or experimental treatments. Certain High-Risk Activities: Injuries resulting from specific activities like adventure sports. |
Documents Required For Family Health Insurance Claims
Typically, the following documents are needed to process a family health insurance claim:
Claim Form: Duly filled and signed by the policyholder.
Medical Bills: Original bills and receipts from the hospital or medical provider.
Discharge Summary: Documenting the treatment provided and the patient's condition upon discharge.
Investigation Reports: Laboratory tests, X-rays, or any diagnostic reports relevant to the treatment.
Prescription: Details of medicines prescribed during hospitalisation or treatment.
Choosing the Best Health Insurance plans in India
Variable | Consideration |
Coverage | Evaluate the coverage provided by multiple plans and select or choose the one that reasonably meets your needs. |
Sum Assured | Take into account medical expenses when choosing the sum assured. Choose a sensible amount that ensures you are neither over insured nor underinsured. Consider affordability as well. |
Hospital Coverage | Verify the insurer's extensive network of hospitals that accept cashless hospitalisation. |
Floater Over Individual Policy | If you need health coverage for your family, choose a family plan instead of individual policies. It can be more cost-effective. |
Lifetime Renewability | Opt for a health insurance policy with lifetime renewability to ensure coverage as you age |
Why Do You Need Health Insurance?
The features outlined below guarantee that the best health insurance policies offer extensive coverage for diverse medical requirements, taking into account aspects such as waiting periods, co-payments, and supplementary riders.
Financial Protection in Emergencies: Health insurance secures or safeguards your savings by covering medical expenses during emergencies.
Coverage for Medical Treatments: It pays for treatments related to various healthcare conditions, including lifestyle diseases like diabetes, hypertension, and obesity.
Supplement Employer Coverage: Employer-provided medical insurance often has limited coverage, so it's essential to buy additional health insurance to ensure adequate protection.
Tax Benefits: Buying health insurance or medical plan allows you to claim tax deductions under Section 80D, providing financial relief while securing your health.
Family Health Plan
Every member of the family is covered by a single health plan under health insurance plans for family. Several insurance companies currently provide policies with coverage for extended families. For instance, the Heartbeat plan from Niva Bupa can offer coverage to up to 19 people simultaneously.
The fact that the best family health insurance plans act as a single defence against financial difficulties in the event that health issues affect every member of the family is another important factor in choosing such a policy. Additionally, they offer reimbursement-based access to high-quality medical treatment for the entire family in the hospitals in its network.
All about the Family Floater Health Insurance
Our devotion to our family is unwavering. We share one another's happiness as well as grief. Nothing matters more than their health and well-being. Against this backdrop, imagine a single policy that encompasses your family's health needs, bringing together the strengths of individual coverage under one united plan.
The family floater health insurance is such a policy that ensures that every member of your family has access to quality healthcare without the worry of individual policies or soaring expenses.
Who Should Invest in Family Floater Health Plans?
Though investing in health insurance plans for your family depends on individual circumstances and preferences, the following people must give special attention to such plans:
Those with dependents, including a spouse, children, or elderly parents.
Those seeking comprehensive healthcare coverage for their entire family.
Those who value the convenience of managing a single insurance plan for the family.
Those looking for a cost-effective option compared to individual health insurance plans for each family member.
Those who want to ensure continuous coverage for their family's healthcare needs over an extended period.
Why Choose Niva Bupa?
Niva Bupa offers several advantages for family health insurance:
Comprehensive Coverage: Extensive coverage for hospitalisation, daycare, and outpatient treatments.
Cashless Facility: Network hospitals provide cashless treatment, reducing financial strain during emergencies.
Quick Claim Settlement: Streamlined processes for quick and efficient claim settlements.
Additional Benefits: Options for adding riders like critical illness cover or maternity benefits.
Customer Support: Dedicated customer service for policy-related queries and assistance.
Frequently Asked Questions
Our Satisfied
Customers
Watch what our customers are saying. REAL STORIES with REAL IMPACT!
Vippan Kapur
It is unbelievable how Niva Bupa claim team came to my aid, Monday to Sunday no day off.
Meenakshi Khanna
Within few hours we got the claim number and in the next three days the amount was reflected in our bank account.
Vijay Kapoor
With the help of Niva Bupa Health Insurance, I was able to get my son treated without worrying about the high medical cost.
Diviay Chadha
Whenever we have filed for a claim with Niva Bupa, the process was very smooth and people were very helpful.
Parveen Singh
The Niva Bupa team was extremely helpful, be it day or night, someone was always available.
Things to Consider Before
Purchasing a Family Floater Health Plan
Family health insurance is vital for protecting your loved ones against unexpected medical expenses. When choosing a family floater health plan, it's essential to evaluate the coverage amount, ensuring it adequately meets the potential healthcare needs of all family members. Below mentioned are the top things that should be considered when choosing a family floater health plan.
| Meaning | Tips | |
|---|---|---|
| Sum Assured | The maximum limit specified by the health insurance policy that the insurer will pay in the event of a claim. | 1. Assess your family's healthcare needs and select a sum assured amount that adequately covers potential expenses. 2. Consider factors such as medical inflation and the cost of healthcare services in your region. |
| Cost | Premium: The amount paid to the insurance company for coverage under a health insurance policy. Deductible: The predetermined amount that the insured must pay out of pocket before the insurance coverage begins.Co-payment: A fixed amount that the insured must pay at the time of receiving a specific healthcare service. Co-insurance: The percentage of healthcare costs that the insured individual is responsible for paying after meeting the deductible, typically shared between the individual and the insurance company. | Make sure that the cost of the policy is within your budget so that no defaults are made in the future. Talk to an insurance expert to learn about discounts available. Use an online premium calculator to compare coverage and costs of different plans. Buy the family plan as early as possible. |
| Claim Settlement Ratio | The percentage of insurance claims successfully paid out by an insurance company in a given period. | Go for an insurer that has a high claim settlement ratio. Maintain a record of all premium payments and read all terms & conditions to avoid any surprises at the time of filing the claim. |
| Network of Hospitals | A group of medical facilities that have an agreement with an insurance provider to provide healthcare services to policyholders through cashless transactions. | Select an insurer that has a greater number of hospitals in their cashless network. Check that the hospitals are of good quality, are reputed, and are located near you. |
| Inclusions and Exclusions | Inclusions refer to the specific medical treatment that is covered under the policy, while exclusions are those treatments that are not covered and, therefore, not eligible for reimbursement. | The policy must include the treatment of all those diseases that your family is most vulnerable to. Ideally, choose a policy with the minimum number of exclusions or one that provides rider options to make up for the exclusions. |
| Renewability | The ability to extend or continue a health insurance policy beyond its initial term. | The policy must include the treatment of all those diseases that your family is most vulnerable to. Ideally, choose a policy with the minimum number of exclusions or one that provides rider options to make up for the exclusions. |
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