Self
The policyholder — the main person covered.
Protect Your Family With One Smart Plan
Family health insurance is a simple concept: one policy that may cover eligible members of your family. Understand how it works and whether it suits your family's needs.
Eligible Members
Who Can Be Covered?
Depending on the policy, a family health plan may cover eligible members like these:
Spouse
Your spouse may be covered as per policy terms.
Children
Dependent children, subject to the insurer's rules.
Parents
Eligible family members depending on the policy.
Possible Benefits
Why Families Consider a Common Plan
Family-oriented Financial Protection
One plan designed to protect multiple family members' medical expenses subject to policy terms.
Convenient Policy Management
One renewal date and one premium instead of managing several separate policies.
Potentially Broad Coverage
Coverage limits may be shared or structured across the covered members per policy.
One Coordinated Solution
A single insurance program that suits many families' day-to-day needs.
Every family's needs are different. One plan may not automatically be better for every family. Get professional guidance before choosing coverage so the plan matches your family's situation.
Before You Decide
A Few Things to Discuss With Your Adviser
- Who needs coverMembers your plan should include.
- Coverage structureFloater or member-wise cover — how the sum insured works.
- Premiums and budgetWhat the family can comfortably afford yearly.
- Exclusions & waiting periodsImportant details that differ by insurer.