Can I get a discount while buying family floater health insurance?

Yes, you can get discounts while buying a family floater policy. A family floater health insurance plan comes with several discounts. Some of these include discounts on premiums, no-claim bonuses, etc. Niva Bupa family floater plan offers a discount of up to 7.5% on premiums when you buy a family floater insurance plan online. In addition to this, it allows you to avail discounts on premiums for every claim-free year. Also, you and your family member can save up to 12.5% if you opt for a two-year plan.

What is a family health insurance plan?

A family health insurance plan, as the term implies, covers both you and your family members in the event of a medical emergency. Family health insurance has a higher sum assured compared to individual plans, as it is shared among all the covered family members. This allows flexibility in utilising the coverage. The premium for such plans is usually based on factors such as the age of the oldest family member, the chosen coverage amount, and any optional add-ons or riders selected.

Why do I need family health insurance?

A family health insurance plan is a type of medical insurance. It gives coverage for the entire family's major and minor medical expenses. The coverage typically includes a wide range of healthcare services, such as hospitalisation, surgeries, doctor consultations, diagnostic tests, medications, and other treatments. There are multiple reasons why one should buy these plans. In addition to the cost-effective financial protection, wide coverage, and hassle-free premium payments, these plans provide peace of mind to families by mitigating the burden of healthcare expenses and ensuring access to quality medical care for all covered individuals.

Which is the best family insurance?

The following steps can help you choose the best family health plan: Assess your family's healthcare needs. Compare coverage and benefits. Evaluate the provider network. Consider the cost-sharing structure of each plan. Review plan exclusions. Seek advice from professionals. Read the plan documents. Revisit annually

How do I choose a family health insurance plan?

The most common types of insurance plans that families often consider to safeguard their health are: Individual Plans: Individual health insurance plans provide coverage for an individual's medical expenses. They can be suitable if each family member has unique healthcare needs or if there are only a few family members to cover. Family Floater Plans: A family health insurance plan is a kind of medical insurance that covers all your family members in a single health insurance policy. Under this plan, a unified sum assured amount is shared on a floater basis among all family members. Government Health Insurance: In India, there are government-sponsored health insurance schemes available, such as Ayushman Bharat, which provides coverage for economically weaker sections of society. These schemes may offer comprehensive coverage for families who meet the eligibility criteria. Employer-Sponsored Health Insurance: Many employers in India provide health insurance benefits to their employees, which may also extend coverage to their families. These plans are worth considering as they often offer competitive pricing and comprehensive coverage.

Which health insurance is good for a family?

The most common types of insurance plans that families often consider to safeguard their health are: Individual Plans: Individual health insurance plans provide coverage for an individual's medical expenses. They can be suitable if each family member has unique healthcare needs or if there are only a few family members to cover. Family Floater Plans: A family health insurance plan is a kind of medical insurance that covers all your family members in a single health insurance policy. Under this plan, a unified sum assured amount is shared on a floater basis among all family members. Government Health Insurance: In India, there are government-sponsored health insurance schemes available, such as Ayushman Bharat, which provides coverage for economically weaker sections of society. These schemes may offer comprehensive coverage for families who meet the eligibility criteria. Employer-Sponsored Health Insurance: Many employers in India provide health insurance benefits to their employees, which may also extend coverage to their families. These plans are worth considering as they often offer competitive pricing and comprehensive coverage.

Which health insurance is the best for a family of 4?

For a nuclear family of 4, family floater policies work best. Their affordability and convenience make them a better option than individual plans. Similarly, they must be preferred to employer health insurance as they provide continuous coverage for all family members, even if there are changes in employment or other life circumstances. This ensures that the family remains protected without any gaps in coverage. As every family health plan is different, it is crucial to study each plan systematically. Niva Bupa‘s plans offer several coverage options for small as well as large families. Their above-par customer service, 30-minute claim settlement process, and 10000+ hospital network make them a favourite among policy buyers.

Is there any waiting period for claims under a family health plan?

Family health insurance plans typically have waiting periods for certain types of claims, such as pre-existing conditions, maternity benefits, and specific treatments like hernia or cataract surgeries. The duration of these waiting periods varies between insurers and specific policy terms. Reviewing the policy documents to understand the waiting periods applicable to your family health plan is essential.

Can I buy more than one family health plan?

Generally, you can only have one family health plan covering the same set of family members at a time. However, you can supplement your coverage by purchasing separate health insurance plans for different family members or opting for additional health insurance riders to enhance coverage under the existing family plan.

Can parents be included in a family health insurance plan?

Yes, most family health insurance plans allow for the inclusion of parents as dependents. Including parents provides them access to healthcare coverage under the same policy covering other family members. However, the eligibility and terms for including parents may vary between insurers. Hence, you should check with your insurance provider regarding specific details and any additional premiums that may apply.

What is a no-claim bonus in family health insurance?

A no-claim bonus (NCB) in family health insurance is a reward insurers offer for not making any claims during a policy year. It typically takes the form of an increase in the sum insured or a discount on the premium at the time of policy renewal. The NCB encourages policyholders to maintain good health and preventive care practices, rewarding them with enhanced coverage or cost savings over time.

Is it possible to renew family health insurance if the primary policyholder dies?

Yes, you can renew the policy even if the primary policyholder dies. Another adult family member already listed in the policy can take over as the new primary policyholder. You must inform the insurer about the death and submit documents like the death certificate and KYC of the new policyholder. The policy then continues without any break for the remaining members. Act quickly and notify your insurer as soon as possible to avoid a lapse in coverage.

Am I allowed to add a new family member to the family insurance?

Yes, you can add a new family member to your existing plan. At renewal, you can add any eligible family member. In special mid-policy cases like the birth of a baby or a new marriage, you can add the member during the policy year itself. You need to inform the insurer and pay an additional premium for the new member. The insurer may also apply a waiting period for the newly added member. Always check your specific policy terms, as rules can vary by insurer.

How long can a child be part of the family health insurance plan?

Most family health insurance plans cover children from 91 days old up to 25 years of age. Once the child crosses 25 years, they must buy their own individual health insurance plan. Some insurers allow coverage until the child is financially dependent or unmarried, so it is best to check your policy terms. A dependent child with a permanent disability may be covered beyond the age limit in some plans.

Do I get the cashless treatment facility with a family health insurance plan?

Yes, most family health insurance plans offer cashless treatment. You can visit any network hospital of your insurer and get treated without paying upfront. The insurer settles the bill directly with the hospital. You must show your health insurance card or policy number at the hospital's insurance desk. For planned hospitalisations, the insurer requires pre-authorisation before the treatment begins. For emergencies, you can request cashless treatment even after admission. Always carry your insurance card and check the network hospital list before choosing a hospital.

Can I add family members to the existing policy?

Yes, you can add family members to your existing policy. At renewal, you can add parents, parents-in-law, siblings, or other eligible relatives. During the policy year, you can add a newborn or a newly married spouse immediately. You need to submit a request to the insurer along with the KYC documents of the new member. The premium increases based on the age and health condition of the new member. The newly added member may also have to serve a waiting period before certain claims are covered.

How many members can be covered under a family health insurance plan?

The number of members covered depends on the plan you choose. A standard family floater plan typically covers 2 adults and 2 children. Many insurers offer plans that cover up to 6 members under one policy. Some plans also allow you to add parents or parents-in-law as additional members. Certain comprehensive plans cover up to 8 to 10 members, including extended family. Always check the maximum member limit before buying the plan.

What happens if one family member uses the entire sum insured?

If one member exhausts the full sum insured, the remaining members lose coverage for that policy year. This is the biggest risk of a family floater plan. To protect yourself, you can opt for a plan that offers a restore or recharge benefit. This benefit automatically restores the sum insured once it is fully used, so other members stay covered. You can also consider buying a top-up plan to get additional coverage at an affordable premium. Choosing a higher sum insured from the beginning is also a smart way to avoid this situation.

Is family health insurance suitable for senior citizens?

Family health insurance can cover senior citizens, but it comes with some limitations. Many standard family floater plans have an entry age limit of 60 to 65 years for senior members. Premiums increase significantly when older members are added to the plan. Since one senior citizen's illness can exhaust the entire sum insured, younger members may be left without coverage. It is often better to buy a separate senior citizen health insurance plan for elderly parents and keep the family floater for the younger members. This approach gives better coverage to everyone at a more manageable cost.

Can I have both family health insurance and individual health insurance?

Yes, you can hold both plans at the same time. There is no rule against having multiple health insurance policies. You can use your individual plan for your own medical expenses and keep the family floater for your dependents. In case of a large medical bill, you can even make a claim from both policies. This is called coordination of benefits, and it helps you maximise your coverage. Having both plans gives you a strong financial safety net against medical emergencies.

Is there any waiting period for claims under a family health plan?

Yes, most family health plans have a waiting period before you can make certain claims. The initial waiting period is usually 30 days from the date of policy purchase, during which only accident-related claims are covered. Pre-existing diseases like diabetes or hypertension typically have a waiting period of 2 to 4 years. Specific illnesses like hernia, cataract, or joint replacement surgeries may have a waiting period of 1 to 2 years. Maternity benefits, if included, usually have a waiting period of 2 to 4 years. Newly added members to the policy also serve their own waiting period from the date they are added.

How many family members can be covered under the Mediclaim policy?

A standard Mediclaim policy covers the policyholder, their spouse, and dependent children. Many insurers also allow you to add dependent parents and parents-in-law. The typical coverage is for 2 adults and up to 4 dependent children. Some extended plans allow coverage for up to 6 members under a single policy. The exact number depends on the insurer and the plan you select, so always read the policy terms carefully before buying.

Which health insurance policy is the best for families in India?

The best family health insurance plan depends on your family's size, age, and health needs. Niva Bupa is one of the most trusted and highly rated health insurers in India. It offers comprehensive family health insurance plans that are designed to give complete protection to every member of your family.Niva Bupa stands out because it offers no room rent limits, meaning you can choose any room in a hospital without worrying about extra charges. It has a strong and wide network of hospitals across India, making cashless treatment easily accessible. The claim settlement process is quick, transparent, and hassle-free, which gives families peace of mind during medical emergencies.Niva Bupa plans also come with valuable features like restoration of sum insured, annual health check-ups, and coverage for daycare procedures. Whether you have a young family or a large joint family, Niva Bupa has flexible plans that can be customised to suit your needs and budget.When choosing the right plan, always compare the sum insured, network hospitals, waiting periods, and premiums carefully. Niva Bupa makes this easy by offering clear plan details and dedicated customer support to help you make the right choice for your family.

What are the age limits for a family health insurance policy?

The entry age for adults in most family health insurance plans is 18 to 65 years. Children can be covered from 91 days up to 25 years of age. Some insurers allow coverage for adults beyond 65 years, but the premiums are significantly higher. Once insured, most plans offer lifelong renewal, so you do not lose coverage as you age. Always check the entry age and renewal terms of the specific plan before buying.

Can cashless claims be raised for all family members covered in the plan?

Yes, all members covered under the family health insurance plan can raise cashless claims. Each member can visit a network hospital and avail cashless treatment independently. The insurer settles the bill directly with the hospital for any covered member. The only condition is that the treatment must happen at a hospital listed in the insurer's network. Each member must carry their insurance card or policy details while seeking treatment.

Are Diagnostic and Investigative Tests Covered Under the Family Mediclaim Policy?

Yes, most family Mediclaim policies cover diagnostic and investigative tests, but only under specific conditions. Tests that are part of an inpatient hospitalisation are fully covered. Some plans also cover pre-hospitalisation tests done within 30 to 60 days before admission and post-hospitalisation tests done within 60 to 90 days after discharge. Standalone or OPD diagnostic tests are generally not covered unless your plan includes an OPD benefit. Always check your policy document to understand exactly what is included.

What Are The Tax Benefits I Get If I opt for a family health insurance policy?

You get tax benefits under Section 80D of the Income Tax Act. You can claim a deduction of up to ₹25,000 per year on the premium paid for yourself, your spouse, and your dependent children. If you also pay the premium for your parents who are below 60 years, you can claim an additional ₹25,000. If your parents are senior citizens (60 years or above), the additional deduction limit goes up to ₹50,000. This means you can claim a total deduction of up to ₹75,000 per year in the best-case scenario. Preventive health check-up expenses up to ₹5,000 are also included within these limits.

How can I increase the sum insured amount on my family health policy?

You can increase the sum insured at the time of policy renewal. Most insurers allow you to upgrade to a higher sum insured without much hassle if you have a good claim history. Some plans also offer a no-claim bonus, which automatically increases your sum insured by 10% to 50% for every claim-free year. You can also buy a super top-up plan on top of your existing policy to get additional coverage at a low premium. If you want a significantly higher sum insured, switching to a new plan with better coverage at renewal is also a good option

Is a family medical insurance plan better than an individual health insurance plan?

It depends on your situation. A family floater plan is more affordable because all members share a single sum insured, and you pay one combined premium. It is ideal for young families where the risk of all members falling ill at the same time is low. However, an individual plan gives each person a dedicated sum insured that no one else can use. If you have older members or members with serious health conditions in the family, individual plans offer more reliable coverage. Many financial experts recommend a combination of both a family floater for younger members and individual plans for senior members.

How many members can I add to my family medical insurance plan?

Most family medical insurance plans allow you to add up to 4 to 6 members under a single policy. A basic plan covers the policyholder, spouse, and up to 2 to 4 dependent children. Extended plans also allow you to add parents and parents-in-law, bringing the total to 6 or more members. Some comprehensive plans go up to 8 to 10 members for large or joint families. The premium increases with each additional member, and the insurer may have specific eligibility criteria for each relationship type.

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Family Health Insurance Plan

Q: What is a floater in health insurance cover?

A "floater" refers to a type of health insurance policy that provides coverage for multiple individuals under a single policy. Floaters are beneficial because they offer flexibility and cost-effectiveness, especially for families. Under a family floater health policy, the overall coverage amount is available to anyone who needs it within the family, as long as it does not exceed the sum assured.

Health insurance is a vital investment that safeguards your family’s well-being and financial future. It ensures that quality medical treatment remains accessible during unforeseen health crises. At Niva Bupa, we simplify your healthcare journey through a commitment to speed, scale, and reliability:

Extensive Hospital Network

Rapid Claim Settlement

Proven Trust

Why Choose Niva Bupa?

Our commitment to transparent claim processing and customer-centric service ensures you receive dependable support during every medical emergency.

30 min

Cashless Claim Processing 1

15 Lakh+

Claims paid since inception 2

2 Crore+

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Custom Health Insurance Plans designed for You

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Get ₹5,000, if treatment taken in any Govt. hospital and claim not paid under this policy
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Benefits of Buying Family Health Insurance

When you understand the benefits of a health policy, you can better protect your finances and your loved ones.

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.

High Coverage for Every Member:

Family floater policies provide comprehensive coverage where any member needing medical treatment can utilise the entire sum insured. This ensures that each family member has access to high coverage levels, depending on the insured's chosen sum. The flexibility to use pooled funds effectively safeguards against major health expenses without depleting personal savings earmarked for other financial priorities.

Ease of Adding New Members:

Family floater plans offer convenient options for adding new family members, such as newborns, during the policy term. This flexibility allows seamless inclusion of additional dependents without disruption. By notifying the insurer and paying an additional premium, new members can be promptly covered under the existing policy, ensuring continuous and comprehensive health protection for the entire family.

Health Insurance Tax Benefits:

Family floater health plans provide attractive tax benefits under Indian tax laws. Policyholders can avail a tax deduction of up to INR 25,000 on premiums paid for the family floater policy, with the deduction increasing to INR 50,000 for senior citizens. Additionally, purchasing a separate family floater health insurance policy for parents enables an additional deduction of up to INR 25,000, doubling to INR 50,000 for senior citizen parents. These tax advantages make family floater health insurance a prudent financial investment and a tax-efficient strategy for securing family health and well-being.

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How does Our Claim Process work?

Get to know the steps involved in the claim Process, whether it is a planned or emergency hospitalisation. Filing a claim is made easy by choosing any of the following ways:

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1

Hospital Admission:

Seek treatment at a hospital within our family health insurance network.

2

Identification:

Present your family health insurance card or policy number along with a valid ID (Passport/PAN card/Voter’s ID) to the hospital staff.

3

Pre-authorisation:

The hospital will validate your family’s details and submit a pre-authorisation request to our insurance provider.

4

Confirmation:

Our insurer will confirm coverage for your family’s treatment via the hospital and notify you by text and email, usually within 30 minutes.

5

Final Settlement:

The hospital will process the claim settlement with our insurer according to your family 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.

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.

Inclusions of Niva Bupa’s Family Health Insurance

Niva Bupa's family health insurance plans are designed to protect every member of your family, from planned treatments to sudden medical emergencies. Here's what your plan covers:

Hospitalisation Cover: Your plan covers room rent, ICU charges, surgeon fees, and other in-patient expenses. This includes hospitalisation expenses for all covered family members under a single policy.
Day Care Procedures: We cover medical procedures that don't require a full 24-hour hospital stay, such as dialysis, chemotherapy, and cataract surgery.
Pre and Post-Hospitalisation Expenses: We cover pre- and post-hospitalisation costs so your family doesn't pay out of pocket for tests before admission or follow-up visits after discharge.
Cashless Treatment at Network Hospitals: Your family gets access to cashless hospitalisation at Niva Bupa's network hospitals, reducing financial stress during emergencies.
Ambulance Charges: We cover emergency ambulance costs so your family reaches the hospital quickly without worrying about the bill.
Maternity and Newborn Care: Niva Bupa's plans include maternity coverage, and certain plans like Aspire even cover IVF and adoption, along with newborn care from day one.
AYUSH Treatments: Your family can access alternative treatments under AYUSH, covering Ayurveda, Yoga, Unani, Siddha, and Homoeopathy, all under your existing plan.
Preventive Health Check-Ups: Your plan covers preventive health check-ups so your family can detect health issues early and stay ahead of any medical concerns.
Mental Health Cover: Plans like Heartbeat include coverage for mental illnesses, ensuring your family's complete well-being is taken care of.
No Claim Bonus (NCB): Certain plans offer no claim bonus benefits, so your family gets rewarded with enhanced coverage or premium discounts for every claim-free year.

Exclusions of Niva Bupa's Family Health Insurance

While Niva Bupa's family health insurance plans offer wide coverage, it is equally important to know what is not covered. Being aware of these exclusions helps you plan better and avoid surprises at the time of a claim.

Pre-Existing Conditions During Waiting Period: Pre-existing conditions are not covered until the waiting period is completed, which can be up to 36 months depending on the plan. Any treatment related to a known condition before this period ends will not be covered.
Non-Disclosure of Medical History: Any expenses incurred due to non-disclosure of medical history are excluded from coverage. Always declare pre-existing conditions accurately when buying a policy.
Treatments Not Recognised by the Medical Community: Treatments that are not recognised by the medical community are not covered under your family health insurance plan.
Substance Abuse and Self-Inflicted Injuries: Treatments related to substance abuse or self-inflicted injuries are excluded from all plan coverage.
Cosmetic and Aesthetic Treatments: Any treatment that is cosmetic in nature, such as plastic surgery, skin treatments, or procedures done for appearance rather than medical need, is not covered under the plan.
Non-Medical Expenses: Expenses that are not directly related to your medical treatment, such as toiletries, administrative charges, or convenience items during a hospital stay, are not reimbursed.
Adventure Sports Injuries: Injuries that occur due to participation in high-risk activities such as skydiving, bungee jumping, or other adventure sports are excluded from coverage.

Am I eligible to buy a Family Health Insurance Plan?

Before purchasing a family health insurance plan, it is essential to understand who qualifies and under what conditions. Niva Bupa has established clear eligibility criteria to ensure that families across all structures and life stages can access the right coverage without complications.

Family Structure: Members must be related as per the insurer's definition, which includes spouse, children, and parents. Immediate family members, including your spouse, parents, and children who rely on you for financial support, are classified as dependents and can be included in your insurance policy. Families connected by blood, marriage, or adoption are all eligible to apply.
Age Limit for Coverage: Generally, you must be between 18 and 65 years old and a resident of India to purchase a Niva Bupa health insurance plan. NRIs can also buy NRI health insurance plans for their families in India, with the same entry and exit age limits applying as for residents.
Dependent Member Criteria: Family health insurance covers the spouse, dependent children, and dependent parents. Such plans sometimes also allow policy buyers to include their siblings. If an individual resides with you and depends on you for both financial and physical assistance, it is likely that you can qualify to claim them as a dependent.
Residency Requirement: Applicants must be residents of India to be eligible for a Niva Bupa family health insurance plan. Coverage is designed specifically for individuals and families residing within the country, with separate NRI plans available for those living abroad.
Pre-Existing Condition Disclosure: Some plans may have additional eligibility requirements based on pre-existing medical conditions. It is mandatory to disclose any existing illnesses at the time of purchase, as these directly affect the applicable waiting period and premium amount for your policy.

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.

How to Buy Niva Bupa's Family Insurance?

Buying a family health insurance plan with Niva Bupa is quick, simple, and completely online. Follow these easy steps to get your entire family covered in just a few minutes.

Step 1: Visit the Niva Bupa Website: Open the Niva Bupa health insurance website on your browser and go to the health insurance section. You can also use the Get Quote option directly on the homepage.
Step 2: Enter Your Basic Details: Fill in the application form with basic details such as name, gender, mobile number, date of birth, and residential PIN code for yourself and the family members you want to insure.
Step 3: Get Your Quote: Click on "Get Quote" to proceed and view a list of suitable family health insurance plans based on the details you have entered.
Step 4: Compare and Choose a Plan: Before buying, take some time to understand the various features so that you can arrive at a decision that is in the best interest of your family. Compare coverage, sum insured, and benefits across plans.
Step 5: Select Your Sum Insured and Add-Ons: Choose a sum insured that fits your family's healthcare needs. You can also add optional riders such as maternity cover, critical illness cover, or personal accident cover at this stage.
Step 6: Review and Make Payment: Review all the plan details, check inclusions and exclusions carefully, and proceed to make a secure online payment. Niva Bupa offers a convenient and hassle-free process, with the option of completing it online or through the company's customer service representatives.
Step 7: Receive Your Policy Documents: Once the payment is confirmed, your policy documents are sent to your registered email. You can also download your Niva Bupa policy in PDF format from the website using your policy number or registered mobile number for easy access.
Step 8: Download the Niva Bupa App: Manage your policy, locate network hospitals, submit claims, and track claim status on the go using the Niva Bupa Health App. It makes managing your family's health insurance simple and accessible anytime.

Things to Keep in Mind When Buying Family Health Insurance

Purchasing a family health insurance plan is an important financial decision that requires careful consideration. Before you finalise a plan, here are the key factors you must evaluate to ensure your family gets the right coverage at the right price.

Coverage Amount and Sum Insured: It is essential to evaluate the coverage amount, ensuring it adequately meets the potential healthcare needs of all family members. Choose a sum insured that accounts for medical inflation and the number of people covered under the plan.
Claim Settlement Ratio: A high Claim Settlement Ratio indicates reliability when it comes to processing claims. Opt for an insurance policy from an insurer with a high CSR. Cashless claims should ideally be processed within a short turnaround time after receiving all necessary details and documents.
Network of Hospitals: Check the number of network hospitals associated with your insurer. You must buy a policy where your preferred hospitals are covered. A wider hospital network means more flexibility and convenience during emergencies.
Inclusions and Exclusions: It is important to understand the inclusions and exclusions of family health insurance plans so you know what is covered and what is not before selecting a policy. Pay special attention to waiting periods for pre-existing conditions and treatments excluded from your plan.
Waiting Period: The waiting period in health insurance plans is typically 30 days for non-accidental claims, with separate waiting periods applicable for pre-existing diseases, specified diseases, critical illness cover, and maternity benefit. Some plans allow you to reduce the waiting period for pre-existing diseases by paying an additional premium amount.
Adding a New Family Member: You can make updates to your health insurance policy at renewal, which includes adding family members, contingent upon your policy's terms and conditions. Waiting periods already served are generally carried forward to newly added members, so it is important to check this before switching plans.
Premium and Cost of the Plan: Family health insurance plans are more affordable and also offer opportunities to save on premiums. You can further reduce costs by opting for multi-year plans or meeting certain no-claim conditions, depending on the plan you choose.
Additional Benefits and Riders: Look for policies that offer added features such as wellness rewards, telemedicine consultations, and coverage for alternative treatments like Ayurveda or homoeopathy. These add-ons can significantly enhance the value of your plan.
Renewability of the Plan: If your policy lapses and you get a new one, you will have to go through waiting periods again for pre-existing conditions or specific treatments. Always check if the plan offers lifelong renewability to avoid any gaps in coverage.
Tax Benefits Under Section 80D: A family health insurance plan also allows you to claim tax benefits under Section 80D of the Income Tax Act. However, these tax benefits are subject to change in tax laws. Factor this in when calculating the overall value of the plan you choose.

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.

Your Perfect Plan Awaits you

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Frequently Asked Questions

What is a floater in health insurance cover?

How does family floater health insurance work?

In a family floater health insurance plan, the entire sum assured is shared among the family members, including an individual, spouse, dependent children, and parents. For example, if a family floater policy has a coverage amount of ₹100,000, it can be utilised by any member of the family up to the specified limit. This means that if one family member requires medical treatment that costs ₹50,000, the remaining ₹50,000 can still be utilised by any other family member if needed.

Who can be covered by a family floater health insurance?

Family health insurance is a type of health insurance that secures the entire family. This includes the spouse, dependent children, and dependent parents. Such plans sometimes also allow policy buyers to include their siblings. Some family floaters may also allow coverage for in-laws, but these additional individuals are not typically included by default and may require an additional premium or specific policy selection.

It's important to note that the specific eligibility criteria and age limits for coverage may differ between insurance providers and policies. For instance, Niva Bupa’s family health plans cover up to 19 relationships to provide all-around protection.

What is the difference between individual & family floater health insurance plans?

Individual health insurance plans provide coverage for a single person. The policyholder is the sole beneficiary, and the policy is tailored to that individual's healthcare needs. This means that the coverage and sum assured are specific to the policyholder. In contrast to individual health insurance, family health policies cover the entire family. These exceptional plans cover all of your chosen family members under one policy, with a single sum assured amount and premium payment schedule. Family plans are thus more cost-effective and convenient than individual plans.

Which is better, family floater or individual health insurance?

Be it a family floater or individual health insurance, each stands mighty on its own terms. The decision between the two will be based on the policy buyer's specific preferences and circumstances. If you need coverage for a single person, then go for an individual health plan. But, if you are married and planning to have kids, then having a family floater policy is a better option.

Under an individual health insurance plan, each family member will have a dedicated sum assured, which will lead to more comprehensive protection. Individual plans also offer a high level of customisation as only one person’s needs are to be considered.

On the other hand, family plans offer limited coverage and customisation due to a single sum assured amount. They, however, excel on other parameters. For instance, they are much more affordable and convenient as you are not required to pay individual premiums for every family member.

What are the benefits of buying family floater health insurance?

By providing protection for the entire family, such plans offer the following benefits:

Cost-effective – Instead of paying premiums for multiple individual policies, you pay a single premium for the entire family, which is often lower than the combined cost of individual policies. Attractive discounts are also available for policy buyers who meet certain conditions.

Tax Benefits – Tax deductions are available for health premiums paid for self, spouse, children and parents under Income Tax Act's section 80D.

Wider Coverage – Various expenses related to hospitalisation, doctor consultations, diagnostic tests, medications, maternity care, and other medical treatments are covered. This ensures that all family members have access to necessary healthcare services without worrying about individual coverage limits.

Flexibility – It is easy to add or remove members from a family floater plan. Such changes are required in case of marriage, childbirth, or death.

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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.

Health and Wellness Blogs

What are the Benefits of a Family Health Insurance Plan? | Niva Bupa

If you want to secure future for all members, a family health insurance plan is an excellent investment. Read the article & know about the benefits of family health insurance plan.

Inclusions and Exclusions of Health Insurance Plans for Family

Understand the inclusions and exclusions of family health insurance plans. Learn what’s covered, what’s not, and how to choose the best policy for your family.

What is the Cost of Family Health Insurance in India?

Discover the cost of family health insurance in India, including factors that influence premiums and options for affordable coverage tailored to your needs.

Family Health Insurance Premium Calculator

Estimate your family health insurance premium instantly with Niva Bupa Health Insurance premium calculator to estimate costs and choose the best coverage effortlessly.

Why Does Family Health Insurance Plan Need a Timely Re-evaluation?

Discover why timely re-evaluation of your family health insurance plan is crucial for ensuring optimal coverage and financial security.

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I found, the Niva Bupa app to be very user-friendly and most convenient. Thanks for the interface that gives power to me. From finding cashless hospitals in any location, booking a consultation, to submitting and tracking claims, etc., everything is on my fingertip. Recently, suddenly, my 8-year-old daughter fell ill, infected by Dengue, I applied for reimbursement using this app for the first time. Still, I completed the process easily and today I got the reimbursement amount as well in a week. THANK YOU.

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The app works perfectly and provides real-time assistance. One-stop solution for most of the services - Policy details, premium certificate, network hospital details. The most important unlimited free teleconsultation feature. I used it multiple times, saving time and money.

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Family Health Insurance Plan

Why Choose Niva Bupa?

Custom Health Insurance Plans designed for You

Benefits of Buying Family Health Insurance

Affordable Premiums:

High Coverage for Every Member:

Ease of Adding New Members:

Health Insurance Tax Benefits:

Quick Links

Network Hospital

Family Health Insurance

Claim Settlement Ratio

Premium Calculator

NRI Health Insurance

How does Our Claim Process work?

Hospital Admission:

Identification:

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Confirmation:

Final Settlement:

Notify Us:

Gather Documents:

Submit Your Claim:

Claim Evaluation:

Reimbursement:

What is Family Health Insurance?

Reasons to Choose Family Health Insurance

How Does Family Health Insurance Work?

Eligibility Criteria to Buy Family Insurance

Inclusions of Niva Bupa’s Family Health Insurance

Exclusions of Niva Bupa's Family Health Insurance

Am I eligible to buy a Family Health Insurance Plan?

Documents Required For Family Health Insurance Claims

How to Buy Niva Bupa's Family Insurance?

Things to Keep in Mind When Buying Family Health Insurance

Insider Tips for a Bulletproof Choice

Why Do You Need Health Insurance Plans for Family?

Who Should Invest in Family Floater Health Plans?

Why Choose Niva Bupa?

Your Perfect Plan Awaits you

Live Healthy and secure your health with our comprehensive insurance plans

Frequently Asked Questions

What is a floater in health insurance cover?

How does family floater health insurance work?

Who can be covered by a family floater health insurance?

What is the difference between individual & family floater health insurance plans?

Which is better, family floater or individual health insurance?

What are the benefits of buying family floater health insurance?

Health and Wellness Blogs

Health and Wellness Blogs

What are the Benefits of a Family Health Insurance Plan? | Niva Bupa

Inclusions and Exclusions of Health Insurance Plans for Family

What is the Cost of Family Health Insurance in India?

Family Health Insurance Premium Calculator

Why Does Family Health Insurance Plan Need a Timely Re-evaluation?

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