A Family Floater health insurance plan allows you to cover multiple family members under a single policy. Instead of buying separate health insurance policies for each person, everyone shares one sum insured. This is efficient, cost-effective, and easier to manage than multiple individual plans.
One premium for the entire family — often lower than paying for individual plans.
The total coverage is “floated” among all covered members — whoever needs it most can use it.
Only one policy to maintain, renew, and track — fewer documents and renewals.
You can often include new family members (children, parents) at renewal times.
| Coverage Component | What It Covers |
|---|---|
| In-patient Hospitalisation | Room charges, surgery, nursing, ICU care, etc. |
| Pre & Post Hospitalisation Expenses | Medical care, diagnostics and follow-up treatment before and after hospitalization. |
| Day Care Procedures | Medical procedures that don’t require overnight stay (e.g. minor surgeries). |
| Ambulance & Emergency Services | Transport to hospital during emergencies. |
| Preventive / Wellness Benefits (optional) | Health check-ups, wellness programs, screenings. |
| Restoration / Sum Insured Refill | If sum insured gets exhausted for one member, it may be replenished (depending on plan). |
We compare multiple plans to find the best coverage for your family size.
Transparent explanation of waiting periods, benefits, exclusions.
Assistance in customizing sum insured, add-ons, and wellness features.
Flexibility to modify or upgrade your plan as family needs to add or remove evolve.
