Health plans for you & your family, at just ₹243/month*
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Health Insurance Plan for Family
A family health insurance plan is a comprehensive medical insurance policy that provides coverage for multiple family members under a single plan, ensuring you and your loved ones never have to compromise on quality care or worry about financial strain.
Whether it is your child needing emergency care, your spouse undergoing surgery or elderly parents or parents-in-law requiring frequent medical attention, having a family health insurance plan ensures financial stability during life’s most uncertain moments.
To make your family’s healthcare journey easier, IndusInd General Insurance offers a wide range of family health insurance plans with the flexibility to cover up to 12 family members* under one policy.
Starting at just ₹243* per month, our plans come with over 20 add-on* options and a high sum insured of up to ₹5 crores*. This ensures our mediclaim for families is all you ever need to manage unexpected medical expenses.
Benefits of Choosing IndusInd Family Health Insurance
Family Health Insurance Insights
“We at Reliance General Insurance value each customer and their time. Our efforts are to bring the best product for you!We at Reliance General Insurance value each customer and their time. Our efforts are to bring the best product for you!”
Types of IndusInd Family Health Insurance Plans
IndusInd General Insurance brings you a range of family health insurance options, each tailored to meet the diverse healthcare needs of modern families. We offer extensive coverage, flexible SI options and a wide array of smart add-ons, helping you safeguard your family’s well-being.
1
IndusInd Health Gain Policy
This policy covers hospitalisation, day care procedures and surgeries and provides an accommodation bonus. Earn a 33.33%* (up to 100%) on your SI every claim-free year.
With three variants, it offers coverage for up to 6 adults and 6 children*. Valuable add-ons allow you to boost your policy benefits. For example, the Unlimited Sum Insured Restoration cover can restore your full sum insured if a major claim exhausts your coverage mid-year.
2
IndusInd Health Infinity Insurance
IndusInd Health Infinity Insurance offers a high sum insured up to ₹5 Crore* and unlimited SI restoration, ensuring robust coverage for your family. It covers up to 8 members (2 adults and 6 children)*.
Add-ons like MoreGlobal cover emergency hospitalisation and day care treatment for planned in-patient treatment, while maternity cover and newborn baby and vaccination cover offer enhanced care for growing families.
3
IndusInd Health Global Policy
This policy provides worldwide coverage with a high SI of up to $1 million*, covering both planned and emergency hospitalisations internationally. This includes treatments like cancer care, heart surgery and more. Travel and accommodation costs for the patient, donor and companion are also included.
It covers up to 8 members* and includes impactful add-ons. For instance, the India Cover offers inflation protection (which increases your SI by 8%* annually) and a No Claim Bonus (NCB) of up to 100%*.
4
IndusInd Health Super Top Up
This plan offers coverage of up to ₹1.3 Crores* for hospitalisation, including hospital treatments, day care procedures and pre- and post-hospitalisation care. It also features a maternity cover of up to ₹2 lakhs* and a worldwide emergency cover.
Covering up to 8 family members*, this plan also offers add-ons, such as the deductible buy-back benefit. It allows you to convert your deductible into an additional SI after 4 claim-free years. For example, if your plan includes ₹50L SI + ₹10L deductible, it becomes a ₹60L SI with zero deductible on renewal.
5
Arogya Sanjeevani Policy, IndusInd General Insurance Company Limited
The Arogya Sanjeevani policy is a standard health insurance plan that provides core financial coverage for hospitalisation, including pre- and post-hospitalisation care, AYUSH treatments, cataract treatments and more.
You can cover yourself and immediate family members like spouse, dependent children and parents or parents-in-law under this policy. This policy offers a sum insured of up to ₹10 lakhs* and rewards you with a 5% cumulative bonus for every claim-free year up to a maximum of 50%*.
Inclusions And Exclusions of Family Health Insurance
What is Covered?
Hospital Expenses: Covers expenses like room rent, nursing expenses, medicines, drugs and consumables expenses, medical practitioner’s fees and similar hospitalisation-related charges.
AYUSH & Modern Treatments: Treatment under Ayurveda, Unani, Siddha and Homeopathy, as well as special treatment methods, such as robotic surgeries and oral chemotherapy, are covered.
Global Emergency Cover: If you are overseas and need urgent hospitalisation due to a medical emergency, the plan will take care of your inpatient, day care and critical out-patient treatment expenses with a $100 deductible per claim*.
Maternity & Newborn: Covers maternity expenses up to ₹2 lakhs after a 12-month waiting period, including prenatal and postnatal care, delivery or termination (up to two times), and in-patient treatment for the newborn up to 90 days.
Accident & Illness Protection: If you are diagnosed with a listed critical illness for the first time, the next year's renewal premium is waived. Additionally, in the event of an accident resulting in hospitalisation, the standard deductible is waived off for that claim.
Rehabilitation Services: The policy covers expenses associated with in-patient rehabilitation treatment, such as physical, occupational or speech therapy, received outside India, resulting from an accident.
What is Not Covered?
Non-Medical Treatments: Unless as part of medically necessary treatment, expenses related to cosmetic or plastic surgery or treatments received in nature cure clinics, spas or similar establishments are not covered.
Lifestyle & Fertility: Expenses related to birth control, sterility, infertility, treatment of obesity or correction of eyesight and change of gender treatments are excluded.
Legal & Statutory: Expenses for treatment arising from a breach of law with criminal intent, intentional self-injury/attempted suicide, nuclear attack, alcoholism, drug, substance abuse or war are not included in the coverage.
Cost & Provider Limitations: Excludes unrelated diagnostic expenses, treatments from excluded providers (unless for life-threatening emergencies up to stabilisation) and any medical costs exceeding reasonable and customary charges.
Out-patient & External Anomalies: Treatment for external congenital anomalies and any out-patient procedures without associated hospitalisation are excluded from coverage unless specifically mentioned in the policy terms.
Waiting Period: Claims for illnesses, maternity and pre-existing diseases are covered only after waiting periods of 30 days, 12 months and 36 months, respectively.
Disclaimer: The inclusions and exclusions are subject to policy type and terms and conditions. Please refer to the official policy document for complete details here.
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Eligibility Criteria for Family Health Insurance
Our family health insurance plans accommodates all your family members, including your dependent parents and children. Here are the details of the who can benefit from our plans:
Parameter | Eligibility Criteria |
|---|---|
Entry Age | Child - 91 days to 30 years Adult - 18 years to 65 years |
Exit Age | No maximum cover ceasing age on continuous renewals |
Number of Members | IndusInd Health Gain - Up to 12 members IndusInd Health Infinity - Up to 8 members IndusInd Health Global - Up to 8 members IndusInd Health Super Top Up - Up to 8 members |
Policy Period | 1 year, 2 years and 3 years |
Relationship | Self, spouse, dependent children, parents and parents-in-law |
How to Buy/Renew a Family Health Insurance Policy?
How to Buy?
Visit the IndusInd General Insurance website and navigate to the ‘Health Insurance’ section.
Enter all your required details and click ‘View Prices’.
Select who you wish to cover and choose the type of coverage you need.
Tailor the health policy for your family by choosing add-ons and the sum insured.
Provide personal details, pay online and receive your policy via email.
How to Renew?
Visit the IndusInd General Insurance homepage. Or open the IndusInd Self-i app.
Find ‘Renewal’ then ‘Health Insurance’.
Input your policy number and its expiry date. Click on ‘Go’.
Choose the policy you want to renew and modify, if needed.
Complete the online payment to renew your plan.
IndusInd General Insurance
Protect Your Family With Us!
We offer customisable plans that allow you to add all your family members under the shared sum insured. Our family plans offer high coverage, so that each member's medical needs are adequately covered.
Family Health Insurance Claim Process
Cashless Claims
Step 1
Inform us at least 48 hours before planned hospitalisation or within 24 hours in case of an emergency. You can contact us via the website, email, or phone.
Step 2
Upon receiving your notification, we will verify your policy, send an approval letter to the hospital and alert them about any missing documents within 4 hours.
Step 3
Once your claim is approved, you can visit a network or authorised non-network hospital for cashless treatment under your full family health insurance plan.
Step 4
After your treatment is complete, the TPA (third-party administrator) desk of the hospital will send your medical bills directly to us.
Step 5
Our claims team will collaborate with the hospital to settle your invoices in accordance with the policy terms.
Reimbursement Claims
Step 1
As soon as you are prescribed hospitalisation, inform our claims team by phone, email or using the IndusInd Self-i app.
Step 2
After your claim is registered, you can get treatment at any hospital of your choice under your family medical insurance plan.
Step 3
Pay for the treatment cost out of pocket, and collect all the invoices. You will need to submit these required documents for claims approval.
Step 4
Fill out the claim form and submit all required documents, such as medical bills, prescriptions and discharge summary, to us within 15 days of treatment.
Step 5
After verifying your documents, we will reimburse the approved claim amount, typically within 30 days.
Key Takeaways
In a country like India, where out-of-pocket medical expenses remain alarmingly high, family health insurance is not only important but also essential.
According to the Comprehensive Annual Modular Survey (July 2022–June 2023), urban residents pay nearly 77% of their inpatient care costs out of pocket, while rural families shoulder an even heavier load at 92%. This means that a single medical emergency can quickly deplete household savings or push families into debt.
To help safeguard against such risks, IndusInd General Insurance offers a broad range of family health insurance plans, including Health Global, Health Gain, Health Infinity, Health Super Top Up, Arogya Sanjeevani and Saral Suraksha Bima, designed to meet the unique medical and financial needs of every family.
With standout benefits, such as coverage for up to 12 family members*, up to 40% discount*, global health coverage, cashless treatment, seamless claim settlement and instant policy issuance*, we ensure easy access to essential medical care so you can focus on recovery, not expenses.
Choose IndusInd General Insurance (formerly Reliance General Insurance) and rest easy knowing support is just a call away!
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Frequently Asked Questions
Which health insurance is best for your family?
The best health insurance for your family depends on your healthcare needs, budget and preferred benefits.
Look for plans that cover hospitalisation, day care procedures, maternity and critical illness and offer add-ons like global coverage or unlimited sum insured restoration. Also consider factors like network hospitals, claim process and waiting periods before making a choice.
How much is a family health insurance plan?
The cost of a family health insurance plan depends on various factors like the age of family members, coverage, sum insured, and any additional add-ons. For an accurate quote, visit the insurer’s website and use the premium calculator.
How to choose health insurance for a family?
Ensure that your plan has extensive coverage, including outpatient care, pre- and post-hospitalisation, surgeries and critical illnesses. Select the desired sum insured. Choose an insurer with a wide network of hospitals and a high claim settlement ratio.
Check for wellness programs, maternity cover, preventive health check-ups and more add-ons that can enhance your policy. And lastly, compare premiums.
What are the benefits of family health insurance?
The benefits of family health insurance include comprehensive coverage, tax deductions on premiums paid, cost-effectiveness and convenience of managing in comparison to separate policies for different family members.
How can I use the IndusInd family health insurance premium calculator?
To use the premium calculator:
- Visit the IndusInd General Insurance website.
- Go to the health insurance section.
- Enter your age, phone number, and other basic details.
- Select the family members to be insured, the desired coverage amount, and any add-ons.
- Click "Get Price" to view the estimated premium and applicable discounts.
What is family floater health insurance?
Family floater health insurance is a cost-effective policy where all family members share a single sum insured. It usually includes the primary insured as well as their spouse, dependent children, parents and parents-in-law.
It is a cost-effective option as the premium is usually lower than buying separate individual policies for each family member.
Can I change individual health insurance into family floaters?
Many insurance providers, including IndusInd General Insurance, allow policyholders to convert their individual health insurance into a family floater plan.
Contact your insurer’s customer service team, provide adequate details of the family members to be added, and adjust the coverage, sum insured and premium as required.
Can I add new family members to an existing policy?
You can add a newborn or a spouse to your existing family insurance plan. Contact your insurer to add new members and adjust your premium accordingly.
Can I include my parents in my family health insurance policy?
Many family health insurance plans, including those from IndusInd General Insurance, allow parents and parents-in-law to be included in your policy. Ensure to check the specific age limits and any additional requirements set by your insurer.
What details are required while applying for family health insurance?
You need to provide a complete list of family members to be insured, including their names, ages and current health status.
How is the sum insured shared under a family floater plan?
All covered members share a single sum insured amount. This shared coverage ensures that the insurance needs of any one or more members are met under the same policy.
Can I get tax benefits with family health insurance plans?
Yes, under Section 80D of the Income Tax Act, 1961, you can claim tax deductions on premiums paid for family health insurance.
How much tax deduction can I claim with a family health insurance plan?
According to Section 80D of the Income Tax Act, of 1961, if you pay premiums, you can get the following tax deduction with a family health insurance plan -
- Self and Family (Below 60 years): ₹25,000 deduction on premiums.
- Parents (Below 60 years): ₹25,000 additional deduction.
- Parents (Above 60 years): ₹50,000 additional deduction.
- Self and Family (Above 60 years): ₹50,000 deduction on premiums if both you and your spouse are above 60 years.
- Parents (Above 60 years): ₹50,000 additional deduction if your parents are senior citizens.
- Preventive Health Check-ups: You can also claim a deduction of up to ₹5,000 for preventive health check-ups within the above limits.
What is the difference between individual and family health insurance?
Individual health insurance covers only one person, offering customisation and a sum insured specific to that individual. It typically has a higher premium per person and is renewed separately for each policyholder.
In contrast, family health insurance covers multiple family members, usually 8-12, under one plan with a shared sum insured and a lower per-person premium. It provides flexibility to suit family healthcare needs and is renewed as a single policy.
What is the difference between family health insurance and senior citizen health insurance?
Family health insurance covers multiple members under one policy, offering benefits like maternity and child cover.
Senior citizen health insurance is designed specifically for individuals above 60 years, offering benefits like critical illness cover, annual health check-ups, etc.
How can I manage my family health insurance policy effectively?
- Review coverage regularly to ensure it matches changing family needs.
- Update family member details as needed.
- Understand cashless and reimbursement claim processes.
- Track renewal dates and pay premiums on time.
- Use online tools for easy policy management.
- Add optional covers like maternity or critical illness.
- Compare plans to find cost-effective coverage.
What is the waiting period for pre-existing conditions?
Generally, the waiting period for pre-existing conditions is 2-4 years for most health insurance policies. However, with IndusInd Health Infinity and IndusInd Health Gain policies, you can opt for add-ons to reduce this waiting period.
What documents are required to file a family health insurance claim?
To file a claim, you will have to provide -
- Duly filled and signed claim form
- A copy of your family health insurance policy
- Original hospital bills, discharge summary and invoices
- Diagnostic reports, prescriptions, and medical records
- Identity proof of the insured family member
- Bank account details (for reimbursement claims)
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