Family Health Insurance Plan

Niva Bupa family health insurance plan offers the perfect solution for the well-being of your loved ones. With our 10,000+ network hospitals, 30-minute claim processing, and varied plans, you can rest assured knowing that your family's health is in trusted hands. Help us find the right plan for you.

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Family Health Insurance Policy

Discover the power of our family health plans and embark on a journey towards a secure and healthy future.

Aspire

A plan that rewards you for starting young

Starts From

₹ 6,655

For 1 year

₹ 500,000

Sum Insured
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Maternity coverage

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Up to 30% discount on renewals

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Jump start on waiting period for future spouse

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Accumulate cashback on every claim free year

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ImgThis plan offers full covid 19 cover

Reassure 2.0

A health insurance plan that keeps giving you more!

Starts From

₹ 10,244

For 1 year

₹ 1,000,000

Sum Insured
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Pay premium as per your entry age (till a claim is paid)

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Carry forward unused base sum insured up to 10 times of base cover

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Use and get back your base coverage, unlimited times

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Up to 30% discount on renewals

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ImgThis plan offers full covid 19 cover

Health Premia

Our top selling plan for networth individuals.

Starts From

₹ 12,488

For 1 year

₹ 500,000

Sum Insured
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Coverage up to Rs 3 cr

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Maternity & new born cover

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International coverage

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In-built travel insurance

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ImgThis plan offers full covid 19 cover

Hospitalization Plans

Present your family with the gift of comprehensive coverage and peace of mind with our hospitalisation plans.

Aspire

A plan that rewards you for starting young

Starts From

₹ 6,655

For 1 year

₹ 500,000

Sum Insured
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Maternity coverage

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Up to 30% discount on renewals

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Jump start on waiting period for future spouse

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Accumulate cashback on every claim free year

Know More
ImgThis plan offers full covid 19 cover

Reassure 2.0

Our feature packed, best selling, comprehensive health insurance plan.

Starts From

₹ 10,431

For 1 year

₹ 1,000,000

Sum Insured
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Pay premium as per your entry age (till a claim is paid)

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Carry forward unused base sum insured up to 10 times of base cover

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Use and get back your base coverage, unlimited times

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Up to 30% discount on renewals

Know More
ImgThis plan offers full covid 19 cover

GoactiveTM

A new-age health insurance that works for you everyday!

Starts From

₹ 13,352

For 1 year

₹ 500,000

Sum Insured
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No Room Rent Sub-Limit

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Early Age Advantage

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OPD And Diagnostic Cover

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Daily Health Coach

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ImgThis plan offers full covid 19 cover

Health Insurance Plans for Large Families

Experience the confidence of full coverage for your extended family with our exclusive health insurance plans for large families.

Aspire

A plan that rewards you for starting young

Starts From

₹ 6,655

For 1 year

₹ 500,000

Sum Insured
icon

Maternity coverage

icon

Up to 30% discount on renewals

icon

Jump start on waiting period for future spouse

icon

Accumulate cashback on every claim free year

Know More
ImgThis plan offers full covid 19 cover

Reassure 2.0

A health insurance plan that keeps giving you more!

Starts From

₹ 10,244

For 1 year

₹ 1,000,000

Sum Insured
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Pay premium as per your entry age (till a claim is paid)

icon

Carry forward unused base sum insured up to 10 times of base cover

icon

Use and get back your base coverage, unlimited times

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Up to 30% discount on renewals

Know More
ImgThis plan offers full covid 19 cover

Health Companion

A plan that makes insuring your family's health painless

Starts From

₹ 18,281

For 1 year

₹ 500,000

Sum Insured
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No room rent cap

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Alternative Treatment

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All Day Care Treatment

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No Claim Bonus

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ImgThis plan offers full covid 19 cover

Wellness Plans

Embrace total wellness protection with our extensive range of wellness plans, catering to all your health needs.

Health Premia

Our top selling plan for networth individuals.

Starts From

₹ 12,488

For 1 year

₹ 500,000

Sum Insured
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Coverage up to Rs 3 cr

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Maternity & new born cover

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International coverage

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In-built travel insurance

Know More
ImgThis plan offers full covid 19 cover

GoactiveTM

A new-age health insurance that works for you everyday!

Starts From

₹ 13,352

For 1 year

₹ 500,000

Sum Insured
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No Room Rent Sub-Limit

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Early Age Advantage

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OPD And Diagnostic Cover

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Daily Health Coach

Know More
ImgThis plan offers full covid 19 cover

Top Up plans

Unlock the benefits of our top-up plans for all-around protection.

Health Recharge

A top-up plan for your loved ones' protection!

Starts From

₹ 3,762

For 1 year

₹ 500,000

Sum Insured
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No Room Rent Cap

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E-Consultaion

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Day Care Treatment

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Alternative Treatment

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ImgThis plan offers full covid 19 cover

moneysaver

Combination of Base and Top-up plan to offer protection for your family’s health.

Starts From

₹ 9,504

For 1 year

₹ 3,000,000

Sum Insured
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No Room Rent Cap

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Refill Benifits

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No Claim Bonus

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Pre and Post hospitalisation

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ImgThis plan offers full covid 19 cover

Health Insurance Plans for Family

Family Health Plan


Every member of the family is covered by a single health plan under health insurance plans for family. Several insurance companies currently provide policies with coverage for extended families. For instance, the Heartbeat plan from Niva Bupa can offer coverage to up to 19 people simultaneously.


The fact that the best family health insurance plans act as a single defence against financial difficulties in the event that health issues affect every member of the family is another important factor in choosing such a policy. Additionally, they offer reimbursement-based access to high-quality medical treatment for the entire family in the hospitals in its network.



All about the Family Floater Health Insurance


Our devotion to our family is unwavering. We share one another's happiness as well as grief. Nothing matters more than their health and well-being. Against this backdrop, imagine a single policy that encompasses your family's health needs, bringing together the strengths of individual coverage under one united plan.


The family floater health insurance is such a policy that ensures that every member of your family has access to quality healthcare without the worry of individual policies or soaring expenses.



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.


Things to Consider Before Purchasing a Family Floater Health Plan


Visualise the following scenario:

You have a family floater plan worth ₹10 lakhs. One family member is hospitalised, and the associated medical expenses are ₹7 lakhs. During the same year, another family member has an accident, and the cost of treatment is ₹5 lakhs. The remaining ₹3 lakhs (₹10 lakhs- ₹7 lakhs) of the policy amount will now be used to cover the accident treatment expense. The remaining cost of ₹2 lakhs will have to be met out of your own pocket.


This is just one of the scenarios where your insurance coverage can prove inadequate. But you can avoid such situations by carefully reviewing your policy and studying the following particulars:



FactorMeaningTips
Sum AssuredThe maximum limit specified by the health insurance policy that the insurer will pay in the event of a claim.
  • Assess your family's healthcare needs and select a sum assured amount that adequately covers potential expenses.
  • 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 RatioThe 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 HospitalsA 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 ExclusionsInclusions 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.
RenewabilityThe ability to extend or continue a health insurance policy beyond its initial term.
  • Choose a plan that offers lifetime renewability to ensure continuous coverage.

Benefits of Family Health Insurance Plans

Life is a grand adventure, and at the heart of it is your family. Naturally, you want to ensure that your family members are shielded from the uncertainties that life may throw their way, especially when it comes to their health. That's where health insurance plans for family swoop in, devised to protect your family. Let's explore the advantages offered by these plans:



1. Larger Coverage

A family floater policy is a single health insurance plan that provides comprehensive coverage and several additional benefits such as preventive health check-ups, cashless treatment, pre and post-hospitalisation coverage, OPD visits, newborn cover, etc. Some family health plans also provide accident cover in case of an accident. They also offer a waiver of premium in case of permanent disability. Critical illness riders can also be added to an existing policy for wider coverage.



2. Low-cost Premiums

We all know that healthcare costs can put a dent in our wallets. But fear not! Family health plans come to the rescue with their cost-effective approach. By bundling your family's coverage into one plan, you can often enjoy significant savings compared to individual policies. It's like getting a discount coupon for your family's health, allowing you to allocate your hard-earned money towards other essential needs. By choosing options like annual total deductibles and copayments, you can further reduce your premiums.



3. Increased Flexibility

Life is all about adaptability, and family health plans are designed to fit into your dynamic lifestyle. They offer flexibility in terms of coverage utilisation. If one family member requires medical attention and utilises a significant portion of the sum insured, the remaining family members still have coverage available when needed. It's like having a safety cushion that adjusts to the changing healthcare needs of your loved ones.



4. Continuity of Coverage

Family health plans provide a continuous shield of protection, ensuring that your family remains covered even during transitions or life events. Whether it's a change in employment or relocation, your policy stays intact. These plans also allow you to add more relatives if they meet the eligibility criteria. All you have to do is ask the insurance provider for it and pay an extra charge. Additionally, some insurance companies give the newborn free coverage up until the conclusion of the policy year.



5. Enhanced Wellness and Preventive Care

Prevention is better than cure, and family health plans embrace this philosophy. Many plans offer wellness programs and preventive care benefits, such as regular health check-ups, vaccinations, and screenings. These proactive measures empower you to prioritise your family's health, catching potential issues before they escalate.



6. Simplified Administration and Support

Managing healthcare can be a daunting task, but family health plans simplify the process. With a single policy to manage, you'll experience reduced paperwork, streamlined administration, and a central point of contact for any queries or claims. Taking care of the nitty-gritty of the policy becomes easier, allowing you to focus on what truly matters—your family's happiness.



7. Tax Benefits

Under Income Tax Act's Section 80D, you can claim tax deductions for the health insurance premiums paid. This helps to reduce the tax liability and the overall cost burden of the medical insurance plan. This shows that the claim that family health insurance is too expensive is not true because tax benefits can be easily obtained. Perks like a no-claim bonus are also available, which entitles you to a concession on your premiums for each year without filing a claim.

Benefits of Family Health Insurance Plans
Day Care TreatmentAvailable
Health CoverUpto 1 Cr
No Claim BonusAvailable
Discount on RenewalsUpto 30%
Maternity CoverAvailable
Refill BenefitsAvailable

How to Choose the Best Healthcare Insurance Plan for Your Child?



Parenthood is an incredible journey filled with joy, laughter and a whole lot of love. But it also comes with a fair share of worries and responsibilities. As a doting parent, your child's health is undoubtedly one of your top concerns.


Life's unexpected twists and turns can, however, lead to medical emergencies and soaring healthcare costs. That's where a reliable health insurance plan steps in. Let's have a look at the steps required to find the best health insurance plan for your child:



1. Find the Right Insurer

The first step is to choose the right insurance provider. You must select a reputed firm which has wide experience related to child healthcare insurance. Make sure to check the number and quality of healthcare institutions included in their network. You must read the user reviews available on online platforms and talk to an insurance expert to know more details.


Still, there is no substitute for your own research. Evaluate the various options on factors such as coverage, cost, renewability, flexibility, customer service, claim settlement process, etc. Then, on the basis of your healthcare needs and budget limits, select the insurer that suits you.


2. Get a Family Floater Plan

The best insurance policy is the one that is easier for you to sustain annually and on a long-term basis until your child becomes an adult. In case you have already taken a family floater plan, your child can be easily included in the same. In India, a family floater plan has a single utilisation limit which can be availed by all members of the family. However, for extra protection, you may still choose an individual health insurance policy for your child. Together, these two health insurance plans can provide your children with the special protection they deserve.


3. Avail the Premium Waiver Option

Generally, the health insurance premium for children is lower as compared to adults. This is because the insurer has to bear a lower risk, as children are relatively less susceptible to diseases. The low premiums make it easy for parents to meet their obligations.


Still, there may be situations where premium payments can’t be made. In such scenarios, the ‘premium waiver’ option must be availed. It acts as a safety net by waiving future premium payments if the policyholder (the parent or guardian) faces unforeseen circumstances such as disability, critical illness, or even death. This ensures continuity of coverage and provides protection against rising premiums, ultimately securing the child’s future.



4. Make Use of Benefits and Riders

Possibly the most crucial factor to keep in mind is the list of inclusions and exclusions under your health insurance, i.e. what you are being offered as part of the plan’s coverage. The more benefits you get for a given amount of premium, the better it is for the health of your children. Features like hospitalisation fees, doctor consultation fees, ambulance cover, pre-hospitalisation and post-hospitalisation expenses are some of the many inclusions that can make your healthcare plan complete and best-suited for your child.


There are also certain diseases which are not covered under regular health insurance in India and are known as exclusions. Common health insurance exclusions range from pre-existing conditions, cosmetic surgeries, dental treatment, infertility treatment, critical illness, etc. To obtain protection against such exclusions, you can purchase additional riders and add-ons. For instance, the critical illness cover/rider can help you get covered for critical and terminal diseases.


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?

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

What is a family health insurance plan?

Why do I need family health insurance?

Which is the best family insurance?

How do I choose a family health insurance plan?

Which health insurance is good for a family?

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

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