Family Health Insurance

Health insurance is a dynamic and extensive industry offering various plans tailored to individual needs. Within this spectrum, family health insurance plans specifically address the unique medical requirements of a household. Tailored to factors such as age, budget, health conditions, and family needs, these plans provide comprehensive coverage.

Discover peace of mind with our family health insurance plans at Bimasure. Safeguard your loved ones from unexpected medical expenses and hospitalization costs. Explore our comprehensive policies online, offering coverage for hospitalization, consultation fees, medicines, and more.

  • Expert Guidance
  • Simple and Secure Process
  • Customer-Centric Approach
  • Claim Assistance

Health Plans Starting @Rs 9/Day*

  • 1
  • 2
  • 3
Select Desired Cover Amount
  • Select Desired Cover Amount
  • Upto ₹ 3 Lakhs
  • ₹ 3 lakhs - 5 lakhs
  • ₹ 5 lakhs - 6 lakhs
  • ₹ 6 lakhs - 10 lakhs
  • ₹ 10 lakhs - 15 lakhs
  • ₹ 15 lakhs - 25 lakhs
  • ₹ 25 lakhs - 50 lakhs
  • ₹ 50 lakhs - 1 cr
  • ₹ 1 cr+
Do you have an existing illness or medical history?
Previous

What is Family Health Insurance Plan?

Family Health Insurance plan provides medical and financial security coverage for your entire family against unexpected hospitalisation and illnesses. Under Family Health Insurance the policy holder can cover up to 6 family members under a single planit simplifies payments with a single premium, dividing the total sum insured among all covered members. Floaters are beneficial because they offer flexibility and cost-effectiveness, especially for families

This inclusive medical insurance covers you, your spouse, dependent children, parents, and even in-laws. Benefits include cashless hospitalization, maternity coverage, and protection against COVID-19 expenses.

Consider Neha: Neha purchases a family health insurance plan for a household of four with a sum insured of Rs.10 lakhs. If one family member uses the sum insured of Rs. 5 lakhs, the remaining Rs. 5 lakhs is available for the rest of the family members in the policy year.

Need and Importance of Family Health Insurance

Family health insurance is vital for financial security, ensuring quality healthcare, and peace of mind. Safeguard your loved ones' well-being today.

Key Benefits of Family Health Insurance Plan

Family health insurance plans bring a host of benefits to policyholders during medical emergencies. Here's a glimpse of the advantages these plans offer:

Our Preferred Plan

Explore a curated list of some of the "Best Family Health Insurance Plans in India," presented by Bimasure. These plans are selected based on coverage benefits and eligibility criteria:

Icon

Care Supreme

  • Advantage with Care Health
  • 22900+ cashless hospital
  • 38+ lakhs claims settled
  • 24*7 claims and customer support

Coverage Benefits

  • Sum Insured option from 5 lakhs to 1cr
  • Get Up to 600% Increase in Total Coverage*
  • Unlimited Restoration of cover
  • Pay the premium as per the city/zone you live
  • Wellness benefit upto 30% discount on renewal of policy
  • No reduction in Cumulative Bonus even if you claim
Icon

Reassure 2.0

  • Advantage with Niva Bupa
  • 10000+ cashless hospital
  • 24*7 dedicated relationship manager
  • 30 min claim processing

Coverage Benefits

  • Sum Insured option- 3 lakhs to 1cr
  • Pay as per entry age, until you claim
  • ReAssure + Benefit- Turns on after 1st claim, Unlimited times and forever
  • Carry forward the balance sum Insured with Booster+ benefit
  • With Safeguard+ Benefit get All non-payables covered
  • Annual Health Check up
Icon

Active Health Platinum

  • Advantage with Aditya Birla
  • 11,000+ Cashless Healthcare Networkˇ
  • Seamless Hospitalization Benefits
  • 2 hr Cashless Claim Processing

Coverage Benefits

  • Sum Insured option- 3 lakhs to 2cr
  • Day 1 Cover for Chronic Conditions such Asthma, High Blood Pressure, High cholesterol, and Diabetes
  • Get up to 100% of your premium as Health Returns
  • Get Premium Waiver in case of detection of critical illness
  • Reload of Sum Insured
  • Covers Dental Consultation and investigations

Inclusion and Exclusion in Family Health Plan

In India, health insurance policies typically come with customizable options to suit individual needs, but there are some common inclusions and exclusions to consider.

Icon

In-patient Hospitalization

Covers all expenses if hospitalized for 24 hours or more

Icon

Pre and Post Hospitalization

Covers medical expenses before and after hospitalization for a specified period.

Icon

Automatic Recharge of Sum Insured

Coverage amount with the benefit of automatic recharge of sum insured

Icon

AYUSH Treatment

Covers alternative treatments like Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy

Icon

Daycare Treatment

Covers treatments not requiring hospitalization for more than 24 hours

Icon

Domiciliary Hospitalization

Covers expenses for home hospitalization

Icon

Hospital Daily Cash

Provides daily cash during hospitalization

Icon

Annual Health Check-up

All insured members Health check up helps track ailments and get treated early

Icon

Lifelong Renewability

Once you get yourself secured with, our health insurance plan there is no looking back.

Icon

Self Inflicted Injuries

Injuries intentionally caused by the insured are not covered

Icon

Drug/alcohol abuse

Health issues resulting from substance abuse may not be included

Icon

HIV/AIDS treatment,

This can be taken as rider HIV/STDs (sexually transmitted diseases)

Icon

War or similar situations

Health issues arising from war or similar circumstances may not be covered in insurance.

Icon

Injuries from Sports

Injuries sustained during high-risk activities may be excluded from coverage.

Icon

Cosmetic Surgeries

Procedures done for cosmetic purposes rather than medical necessity are typically not covered.

Coverage After Waiting Period

Benefit from coverage after specific waiting periods:

Waiting Period Duration
Pre-existing period 2-4 years
Initial Waiting Period 30 days
Specific Disease waiting period 1-2 years
Covid-19 treatment 30 days
Grace Period 30 days
Free-look Period 15 days

Frequently Asked Questions

Navigating insurance complexities can be overwhelming. We have tried to address common doubts for a seamless journey with Bimafinserv.

What is an individual health insurance plan?

An individual health insurance plan provides coverage to a single person against various medical expenses. It is designed to meet the healthcare needs of an individual.

Who is eligible for an individual health insurance plan?

Any individual, often within a certain age range, can apply for an individual health insurance plan. Eligibility criteria may vary among insurers.

What does an individual health insurance policy cover?

Coverage typically includes hospitalization expenses, doctor’s fees, surgical expenses, pre and post-hospitalization expenses, and may extend to additional features like ambulance coverage, day-care procedures, and preventive healthcare.

Is there a waiting period for coverage under an individual health insurance plan?

Yes, there might be a waiting period for specific conditions or treatments. Pre-existing conditions may have a waiting period, and it’s crucial to be aware of these details

Can I include family members in my individual health insurance plan?

No, individual health insurance plans are designed to cover only the policyholder. If you want coverage for your family, you would need to purchase separate policies for each family member or opt for a family floater plan.

Can I choose the sum insured amount for my individual health insurance plan?

Yes, you can typically choose the sum insured amount based on your healthcare needs. The premium may vary depending on the chosen sum insured.

How does the claim process work for an individual health insurance plan?

The claim process usually involves notifying the insurer about hospitalization, submitting relevant documents, and filing a claim form. The process may vary among insurers, so it’s important to understand the specific requirements.

Can I add additional coverage or riders to my individual health insurance plan?

Yes, many insurers offer optional riders or add-ons that you can include in your individual health insurance plan for additional coverage. Examples include critical illness riders, maternity riders, or accidental death benefit riders.

Is there a grace period for premium payment in individual health insurance?

Yes, there is typically a grace period provided by insurers for premium payment after the due date. It’s important to pay premiums on time to ensure continuous coverage.

Can I renew my individual health insurance plan annually?

Yes, individual health insurance plans are usually offered on an annual basis, and you need to renew the policy each year to maintain coverage. It’s advisable to renew on time to avoid a lapse in coverage.