1. Consumables Covered
- Hospital Bill
- ₹3,50,000
- Consumables
- ₹18,000
Without Consumables CoverYou Pay ₹18,000
With Consumables CoverInsurance Pays ₹18,000
Result: Full claim amount covered with no extra cost.
Family Floater Cover
Family Floater
Health Insurance.
One health plan for your entire family. Cover your spouse, children and dependent parents under a single policy with a shared sum insured.
One health plan for your entire family. Cover your spouse, children and dependent parents under a single policy with a shared sum insured.
Why Families Choose Floater Plans?
- One policy for the entire family
- Lower premium than individual plans
- Shared sum insured for everyone
- Easy to manage & renew
- Cashless treatment at network hospitals
Trusted by 20+ Lakh+ Customers
- 100% Secure
- IRDAI Licensed
- Best Price Guarantee
- Cashless Everywhere
How Family Floater Health Insurance Works?
1
You choose a sum insured
2
Entire family is covered
3
Family members share the sum insured
4
Any member can use the cover
5
Cover gets restored (if opted for)
Who Can Be Covered?
Self
Spouse
Children
Dependent Parents
Key Benefits of Family Floater Health Insurance
Shared Sum Insured
One sum insured for the entire family to use as needed.
Lower Premium
More affordable than buying separate policies for each member.
Cashless Treatment
Access cashless hospitalization at 10,000+ network hospitals.
Unlimited Restore
Restores your sum insured automatically after exhaustion.
Family Security
Financial protection for your loved ones in medical emergencies.
Tax Benefits
Save up to ₹25,000 under Section 80D of the Income Tax Act.
Important Health Insurance Features Explained
Unlimited Restore Benefit
Automatically restores your sum insured after it gets exhausted during a claim.
Consumables Cover
Covers non-payable hospital items like gloves, PPE kits, syringes, masks and more.
No Room Rent Limit
Avoid proportionate deductions by choosing plans without room rent restrictions.
Pre & Post Hospitalization
Covers medical expenses incurred before admission and after discharge.
Daycare Procedures
Coverage for procedures that do not require 24-hour hospitalization.
Maternity Cover
Coverage for delivery and newborn medical expenses after waiting period.
Worldwide Emergency Cover
Emergency medical treatment coverage outside India in select plans.
AYUSH Treatment Cover
Coverage for Ayurveda, Yoga, Unani, Siddha and Homeopathy treatments.
OPD Cover (Optional)
Covers outpatient consultations, diagnostics and pharmacy expenses.
Real Claim Examples
2. Unlimited Restore Benefit
- Family Floater Sum Insured
- ₹10,00,000
| Claim | Expenses | With Unlimited Restore |
|---|---|---|
| 1st Claim | ₹8,00,000 | ✓ Fully Covered |
| 2nd Claim | ₹6,00,000 | ✓ Fully Covered |
Result: You are always protected for future claims.
3. No Room Rent Limit
- Room Category Availed
- Deluxe Room
- Room Rent Limit in Plan
- ₹2,500/day
- Actual Room Rent
- ₹5,00,000
Without Room Rent LimitYou May Pay More
With No Room Rent LimitNo extra payment
Result: No proportionate deduction. Full claim covered.
Family Floater vs Individual Plans
| Feature | Family Floater Plan | Individual Plans |
|---|---|---|
| Coverage | Entire family under one policy | One person per policy |
| Sum Insured | Shared among family members | Dedicated for one individual |
| Premium | Lower premium | Higher premium |
| Policy Management | One policy to manage | Multiple policies to manage |
| Best For | Families | Individuals |
Ideal For
- Young couples
- Families with children
- Parents & dependent members
- Joint families looking for affordable coverage
Frequently Asked Questions
Get answers to your questions on Family Floater health insurance coverage.
Not Sure Which Plan Is Right?
Compare plans with our experts. Our health insurance advisors will guide you to the best options for your family.