Buy Family Health Insurance in India
One Health Plan to Cover Your Entire Family’s Medical Needs
Medical expenses are rising steadily, and a single hospitalization can drain years of savings. A Family Health Insurance policy ensures financial protection for your entire family under a single premium—making quality healthcare accessible and affordable when it’s needed most. BTW IMF offers expert-curated family floater health plans that safeguard your loved ones without the hassle of managing multiple policies.
Fast and Reliable
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Fast and Reliable
Service
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Customize Policy
End to End Claim
Expert Guidance
Expert Guidance
Easy Claim Process
Rising Awareness
Expert Guidance
Easy Claim Process
Rising Awareness
Easy Claim Process
What is Family Health Insurance?
Family Health Insurance is a type of health insurance policy that covers multiple family members—usually the policyholder, spouse, children, and sometimes dependent parents—under one sum insured. Also known as a family floater health policy, it allows all members to share a common coverage limit, helping manage medical costs efficiently.
This type of insurance is ideal for Indian families looking for a cost-effective solution to cover hospitalization, surgeries, day-care procedures, and emergency treatments.
Secure Your Family's Health—Without Financial Stress
Don’t wait for a medical emergency to act. Connect with a BTW IMF advisor today and get the best Family Health Insurance plan tailored to your needs, budget, and coverage preferences.
Key Features of Family Health Insurance Plans
- Single premium for all covered family members
- Coverage from ₹3 lakh to ₹1 crore and above
- Cashless hospitalization at 10,000+ network hospitals
- No-claim bonus (NCB) benefits for every claim-free year
- Day 1 coverage for emergency services
- Lifetime renewability and optional maternity cover
- Tax benefits under Section 80D of the Income Tax Act
What Does a Family Health Insurance Policy Cover?
- In-patient hospitalization expenses
- Pre- and post-hospitalization costs (usually 30–60 and 60–90 days)
- Doctor consultation fees and diagnostics
- Day-care treatments (like cataract, dialysis, etc.)
- Ambulance charges
- AYUSH treatments (optional in many plans)
- Maternity and newborn baby cover (if opted)
- Domiciliary hospitalization (treatment at home, if medically advised)
Why Choose BTW IMF for Travel Insurance?
Maternity and Newborn Care
OPD (outpatinet) Benefits
Critical Illness Cover
Hospital Cash Benefit
Top-up Plans for enhanced coverage
Annual Health Check-ups for Family Members
Why Choose a Family Floater Plan?
- Cost-effective: Premium is lower than buying individual policies
- Simpler to manage: One renewal date, one policy, one insurer
- Coverage flexibility: Entire family uses the same sum insured
- Suitable for nuclear and joint families
- Option to include new family members (e.g., newborns or spouse)
Why Choose BTW IMF?
IRDAI-approved insurer tie-ups with competitive pricing
Free comparison of top family health plans in India
Expert help with policy selection and add-ons
Claim support and renewal tracking
Transparent process, no hidden terms
Who Should Buy Family Health Insurance?
- Young couples with children
- Families with aging parents or dependents
- Salaried professionals and self-employed individuals
- First-time insurance buyers looking for complete family protection
- Anyone who wants to protect their family from rising healthcare costs
Frequently Asked Questions (FAQs)
Typically, up to 6–7 members (self, spouse, 2–3 children, and parents) can be covered under one family floater policy. Some insurers allow more with additional premiums.
Once the full sum insured is used by any member, no further claims can be made unless you’ve opted for a refill or restoration benefit.
Yes, most insurers allow adding a spouse, newborn child, or dependent parent during the policy year or at renewal.
Most policies have a 2–4 year waiting period. Some insurers offer reduced waiting periods for an extra premium.
Yes, but only in plans that include maternity benefits. These usually come with a 9-month to 2-year waiting period.