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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
2 Crore+ Happy customers
Why Choose Niva Bupa?
Trusted by over 2 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
2 Crore+
Happy customers
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
A Truly Unlimited health insurance plan.
Starts from
₹7,4302
Annual Premium
UNLIMITED
Sum Insured
- Go LIMITLESS. Now your sum insured has no Limits
- Get Day 1 coverage for Pre-Existing Disease
- NivaBupaOne gives you access to Executive Health Assessment, Priority Claims, and Dedicated Support Services
- Go Borderless and get treatment anywhere in the world.
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.
NRI Health Insurance
Health Insurance designed specifically for Non-Resident Indians.
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?
If you’re wondering how to cover medical expenses for your entire household without juggling multiple policies, a family health insurance plan is the solution. Instead of buying separate health insurance for each member, this single policy extends medical coverage to the whole family.
With a family health insurance plan, you get financial protection against a wide range of expenses such as hospitalisation, doctor consultations, prescription medicines, diagnostic tests, and even dental or vision care. This means you don’t have to worry about sudden medical bills creating a financial strain.
The real advantage is convenience and peace of mind. Every family member is protected under one policy, with the flexibility to choose hospitals or healthcare providers. These plans also encourage preventive care, helping your family stay healthier in the long run. In short, family health insurance ensures that you’re always prepared for unexpected health issues while maintaining access to quality 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. Additionally, many insurers now offer NRI health insurance options, ensuring that non-resident Indian families can also secure quality healthcare coverage for their loved ones in India.
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 Family Health Insurance plans in India
With India’s healthcare costs rising relentlessly, the right policy is your shield against unexpected blows, blending robust coverage with affordability.
Essential Criteria for Selecting the Ideal Family Plan
Crafting the perfect family health insurance plan means anticipating every scenario—from a toddler’s sudden illness to an elder’s ongoing care. Here’s how to make a choice that safeguards your family’s future:
Coverage Amount and Restoration Benefits: Choose a sum insured of ₹15-25 lakhs to stay ahead of escalating medical costs. Opt for plans with unlimited restoration, which replenish your full coverage instantly if used up mid-year, ensuring continuous protection for all family members.
Reliable Claims and Hospital Access: Look for a claim settlement ratio (CSR) above 90%, indicating swift and dependable payouts, often within hours. Prioritise plans offering cashless treatment at over 15,000 hospitals nationwide, eliminating the need for upfront payments during emergencies.
Comprehensive Family Inclusion: The best floater plans cover your spouse, children (up to age 25 if dependent), parents, and even in-laws under a single, cost-effective policy, saving 25-35% compared to individual plans. Seek add-ons like maternity benefits (covering deliveries up to ₹75,000) and immediate newborn coverage for complete family care.
Proactive Wellness Incentives: Top-tier plans promote health with free annual check-ups, discounts for fitness achievements, or up to 100% premium refunds for claim-free years. Features like teleconsultations or credits for wellness programs, such as yoga, integrate healthy habits into your family’s lifestyle.
Insider Tips for a Bulletproof Choice
Leverage Online Tools: Use comparison platforms to analyse 25+ providers, factoring in your city’s pricing tier (metros are pricier).
Match Your Family’s Risks: If chronic conditions like diabetes are a concern, choose plans with 1-2 year waiting periods for pre-existing diseases.
Stay Ahead on Renewals: Prevent lapses that reset waiting periods—most plans now offer lifelong renewals for uninterrupted security.
Decode the Fine Print: Watch for exclusions like cosmetic treatments, but negotiate riders to cover gaps like dental or vision care.
The perfect plan mirrors your family’s journey; whether you’re planning for a newborn or safeguarding elderly parents. Dive in now to craft a future where health crises don’t steal your joy.
Why Do You Need Health Insurance Plans for Family?
Health insurance plans for your family are essential to safeguard their well-being and financial security. Medical emergencies can arise unexpectedly, and the costs of treatments, hospital stays, or medications can quickly become overwhelming. A comprehensive healthcare plan provides peace of mind by covering these expenses, ensuring your loved ones receive timely and quality healthcare without straining your finances.
Here are key reasons why family medical coverage is vital:
Comprehensive Coverage for All Family Members: A family protection plan typically covers you, your spouse, children, and sometimes dependent parents under a single policy. This eliminates the need for multiple individual plans, making it cost-effective and easier to manage.
Protection Against Rising Medical Costs: Healthcare costs in the UK and beyond are steadily increasing. From routine check-ups to critical treatments, a protection plan helps manage these expenses, allowing your family to access private healthcare services without delay.
Access to Quality Healthcare: With a family medical coverage plan, you can bypass long NHS waiting times and access private hospitals, specialists, and advanced treatments. This ensures faster diagnosis and care, which can be crucial for recovery.
Financial Security During Emergencies: Serious illnesses or accidents can lead to substantial medical bills. Medical insurance acts as a safety net, covering hospitalisation, surgeries, and other treatments, so you can focus on your family’s recovery rather than financial stress.
Preventive Care and Wellness Benefits: Many plans offer coverage for preventive care, such as regular health check-ups, vaccinations, and screenings. These services help detect potential health issues early, promoting long-term health for your family.
Customisable Plans for Your Needs: Family policy plans can be tailored to suit your family’s specific requirements, whether it’s coverage for chronic conditions, maternity care, or dental and optical treatments.
Peace of Mind: Knowing your family is protected against unforeseen medical expenses allows you to plan your finances better and reduces anxiety about potential healthcare costs.
Investing in a medical plan for your family is a proactive step towards ensuring their health and financial stability. With the right policy, you can provide your loved ones with access to timely, high-quality medical care, no matter what life brings.
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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