IL TakeCare app – For all your insurance & wellness needs

Policy purchase, claims, renewal & more

1800 2666(Available 24 x 7)
Call Back

Got questions? Let's talk! Share your contact details and we'll give you a call.

Full Name^* Please enter the full name

Mobile no.^* Please enter valid mobile number

Select products^* Please select the product

Submit

Thank You for your interest in our product.

Thank You for your interest in our product. We'll get in touch with you shortly to answer your queries.
Live Chat

Family Health Insurance

A family health insurance plan covers your spouse, children, and parents under one policy. It ensures financial support for medical care, simplifies healthcare management, and makes getting the right treatment less stressful when it matters most. and makes getting the right treatment less stressful when it matters most.

Health coverage starting at ₹11/day^A
Access to 11,000+ Network hospitals^C
24×7 assistance via IL TakeCare App

What is Family Health Insurance?

Family health insurance covers multiple family members under a single policy, with a shared sum insured. Instead of splitting coverage across individuals, it creates a common pool that any insured member can use when required. It’s designed to keep things simple. One policy to manage, one renewal date to track, and one cover that adjusts to your family’s needs as they come up.

Family health insurance brings several features to the table, like:

Customisable Plans: Add covers for maternity, home nursing, or critical illness based on what your family actually needs. You pay for what matters to you, nothing more.
High Sum Insured: Choose coverage anywhere from INR 5 lakh to INR 3 crore, so large medical expenses and advanced treatments are within reach when required.
Unlimited Reset: If a serious illness uses up the entire limit, the policy refills it 100% for any new, unrelated illness. One person's emergency does not leave everyone else without cover.
Extended Care: Medical costs for 60 days before admission and 180 days after discharge are covered, including day-care procedures and AYUSH treatments.
Emergency and Global Reach: Domestic air ambulance coverage is included for urgent transport. Higher coverage tiers extend this to planned or emergency treatment at hospitals abroad.

Family Health Insurance - Happy & Secure Family

How Does a Family Health Insurance Plan Work?

Family health insurance, also known as family floater health insurance, runs on a shared structure. You choose a sum insured for the entire family and pay a single premium. Note that the premium is usually influenced by the age of the eldest member. And when you raise a claim, the expense is covered from that shared amount. The remaining balance stays available for others during the same policy year.

For instance, if your sum insured is ₹12 lakh and one member uses ₹4 lakh for treatment, the remaining ₹8 lakh can still be used by other family members.

Some family health insurance plans also offer a restore or refill feature. If the entire sum insured is used, it can be reinstated for a new, unrelated illness so that the coverage doesn’t run out midway through the year.

Individual vs Family Floater Health Insurance

Not sure which one suits your family better? Here is a comparison of family floater vs individual health insurance:

Feature	Family Floater Health Insurance Plan	Individual Health Insurance Plan
Coverage Structure	One sum insured is shared across the entire family	Each person has their own dedicated sum insured
Premium Cost	Usually cheaper overall since you are buying one "bulk" plan	Each person pays based on their profile, which often adds up more
Claim Impact	A large claim by one member reduces the balance for everyone else	A claim by one person has zero impact on the coverage of others
Age Influence	The premium is usually calculated based on the oldest member	Premiums are tailored to the exact age and health of each individual
Suitability	Best for young, healthy families who rarely visit the hospital	Better for families with seniors or those needing regular treatment
Flexibility	One policy, one renewal date, and shared availability	Each person’s coverage is a standalone fortress

If your family is generally healthy and you want straightforward, budget-friendly coverage under one roof, a floater plan is a better choice. If someone in the family has specific or recurring health needs, individual plans give them a dedicated fund that others cannot draw from.

Why Do You Need Health Insurance for Your Family?

Your child wakes up at 2 a.m. with a high fever. You rush to the nearest hospital. By the time it’s morning, the consultation, tests, and medicines have already added up to a number you were not expecting.

It was not a major illness. Still, not a small expense either. Now imagine this happening to more than one family member.

A family health insurance plan helps you stay prepared for moments like these, so your focus can remain on getting the right care instead of arranging funds.

Here is why buying family health insurance makes sense:

The entire family shares one cover, so the sum insured goes where it is needed most.
One premium, one renewal date, and fewer details to keep track of.
When something unexpected happens, arranging fund is not the first thing on your mind.
Reduces the impact of large medical bills on your savings and long-term plans.
Adding or upgrading coverage means updating one plan, not several.

Calculate Premium Now

Key Benefits of Buying Family Health Insurance

A plan that looks good on paper should also hold up when your family actually needs it. Here are the benefits of a family health insurance plan:

The sum insured is shared, so whoever needs more care can use more of it without a fixed split.
One policy covers younger and older members without separate setups.
Fewer documents, fewer follow-ups, and everything under one roof.
Upgrading is simple because you are working with a single plan.
One renewal date means no gaps in coverage for anyone.

What is Covered in ICICI Lombard Health Insurance for Family?

What’s Covered
What’s Not Covered

Once you have chosen the plan type, the next question is: what does it actually cover? Here is what family health insurance coverage usually includes:

Hospitalisation costs, including room, ICU, and treatment during admission.
Pre-and post-hospitalisation expenses such as tests, medicines, and follow-ups.
Daycare treatments that do not require a 24-hour stay.
Ambulance charges for emergency hospital visits.
Domiciliary care when treatment continues at home.

Read the policy wordings carefully so you know the exact limits and conditions that apply.

Every plan has its limits. Here are the standard health insurance exclusions to keep in mind before signing up:

Cosmetic or aesthetic treatments that are not medically required
Non-medical expenses like gloves, PPE kits, and administrative charges
Pre-existing diseases during the waiting period
Self-inflicted injuries
Experimental or unproven treatments
Conditions related to alcohol or substance use
Injuries linked to illegal activities
Certain treatments during initial waiting periods

Who Should Buy a Family Health Insurance Plan?

If you are managing healthcare for more than just yourself, this plan is for you.

Tracking separate health plans for every family member sounds organised until it isn’t. Different premiums, different renewal dates, different covers.

A family health insurance plan brings everyone under one plan, making it easier to manage while keeping your coverage aligned.

Whether you have a spouse, growing children, or ageing parents, this plan helps you stay prepared. And if a baby is on the way, you are already one step ahead

How Much Health Insurance Coverage Does a Family Need?

There is no single right answer. The right family health insurance coverage depends on who you are covering and where you live:

1
Small Family (2 to 3 Members) in Smaller Cities: INR 5 to 10 lakh is usually enough to cover most situations comfortably.
2
Small Family (2 to 3 Members) in Metros: INR 10 to 15 lakh makes more sense, given the higher cost of treatment.
3
Family with Children (3 to 4 Members): INR 10 to 20 lakh works as a solid base, with more being safer in larger cities.
4
Family with parents (4 to 6 Members): INR 15 to 25 lakh is the practical minimum once older members are on the plan.
5
Metro City Residents with Higher Medical Costs: INR 20 lakh and above is the safer call when hospital bills in your city run high.

Factors That Affect Family Health Insurance Premium

The premium is not a random number. It reflects your family's risk profile and a few other key details. Here are the main family health insurance premium factors:

Age: Older members on the plan raise the premium
Number of Members: More people mean more claims, and costs go up accordingly.
Sum Insured: Higher coverage means a higher premium.
Medical History: Pre-existing conditions lead the insurer to adjust the price.
Add-Ons: Every extra benefit adds to the final bill.

How to Choose the Best Family Health Insurance Plan?

Picking the right plan is less about comparing numbers. It is more about making sure it works when you actually need it. Here is what to look for when choosing the best family health insurance plan:

Network Hospitals

Check if the hospitals you use are on the cashless list.

Waiting Period

Know how long you wait for pre-existing conditions and specific treatments.

Claim settlement ratio

A higher ratio means fewer issues at claim time.

Coverage Details

Look beyond the total and check for sub-limits on room rent or daycare.

Add-Ons and Flexibility

Check if maternity cover or top-ups can be added later.

Co-Payment and Limits

Know if you will need to pay a share of the bill.

Why Choose ICICI Lombard Health Insurance for Family?

Knowing what you need is half the job. The other half is finding a plan that actually delivers it. Here is what makes ICICI Lombard family health insurance a dependable choice:

Strong cashless hospital network across the country
Faster claim handling with minimal paperwork
Round-the-clock support, available whenever you need it
Policy, claims, and documents managed entirely online
Flexible coverage and add-ons that adjust to your family's changing needs

Why Choose ICICI Lombard's Family Health Insurance

Key Features of ICICI Lombard Health Insurance for Family

A plan is only as good as what happens after you use it. Here is where the family health insurance plan features stand out:

Unlimited Reset Benefit

Sum insured is restored if exhausted, so coverage does not run out mid-year.

Wellness and Preventive Programmes

Stay active, earn points, and reduce your next premium.

High Sum Insured Options

Coverage that grows with your family and keeps up with rising hospital costs.

Lifetime Renewability

Continue the policy without age restrictions as long as it is renewed on time.

Comprehensive Coverage

Covers pre-treatment, hospitalisation, recovery, and daycare procedures.

Cashless Network Access

Walk into a network hospital and focus on recovery, not paperwork.

Customisable Add-ons

Add maternity cover, critical illness protection, and more based on your needs.

Add-on Covers Available in ICICI Lombard Family Health Insurance

The base plan covers the essentials. Add-ons let you shape it around your family's specific needs:

Teleconsultation and Digital Support

Doctor consultations and policy management, all online, without stepping out.

Maternity Benefit

Delivery and related expenses covered within specified limits, so new beginnings do not come with financial stress.

Claim Protector (Consumables Cover)

Non-payable items like gloves, PPE kits, and similar expenses taken care of, so nothing slips through the cracks.

Critical Illness Cover

A lump sum payout on diagnosis of specified serious illnesses, giving you financial breathing room when you need it most.

OPD Cover

Consultations, tests, and medicines covered without hospitalisation, because not every health concern needs a hospital bed.

Personal Accident Cover

Treatment costs from accidental injuries covered, because accidents do not announce themselves.

Room Rent Waiver

Removes room rent limits so proportionate deductions do not quietly eat into your claim amount.

Choose only what your family actually needs. Each health insurance add-on affects both coverage and premium.

Tax Benefits Under Family Health Insurance (Section 80D)

Your family health insurance premium does more than protect your family. Under Section 80D, it also reduces your taxable income.

Who is Covered	Deduction Limit
Self, spouse, and dependent children (below 60 years)	Up to ₹25,000
Parents (below 60 years)	Up to ₹25,000
Senior citizen parents (60 years and above)	Up to ₹50,000
Self and spouse (If both/either are 60 or above)	Up to ₹50,000

If you are covering both your family and senior parents, you can claim up to INR 75,000 in deductions. That is a meaningful reduction in your taxable income, and one of the quieter tax benefits of health insurance that adds up over time.

Documents Required to Buy Family Health Insurance

You do not need a long checklist to get started. Here are the basic documents for health insurance:

Identity Proof: Aadhaar, PAN card, passport, or driving licence.
Address Proof: Aadhaar, utility bill, or passport.
Age Proof: Birth certificate, Aadhaar, or school certificate.
Medical Details (if required): Past reports, prescriptions, or health declarations.
Photographs: Passport-size photos if required.
Income Proof (in some cases): Required for higher sum insured or specific plans.

Most of the process is online. Once these are ready, the rest moves quickly.

Documents Required for Family Health Insurance

Things to Consider Before Buying Family Health Insurance

A few details now can save a lot of confusion later. Here are the key things to consider before buying health insurance:

Waiting Period: Know what kicks in from day one and what takes time.
Sum Insured: Make sure it is enough for your family size and city.
Exclusions: What is not covered matters just as much as what is.
Claim Process: Look for a simple and fast process, especially for cashless treatment.
Hospital Network: A wider network means better access to cashless care near you.

How to Buy Family Health Insurance Online?

You can buy family health insurance online from our website or through IL TakeCare App, without any paperwork.

Enter your details, including age, family members, and basic health information.

Compare plans to see what each covers and how premiums differ.

Choose a sum insured and add-ons that fit your needs.

Complete the purchase online in a few clicks.

The policy is issued digitally and sent to you instantly.

How to Renew Your Family Health Insurance Policy?

Keeping your plan active is just as important as buying it. To renew family health insurance:

Check the renewal date and act before the policy lapses.

Review your current plan and make any changes needed.

Complete the payment before the expiry date.

Use the grace period if needed, but remember that claims are not covered during this window.

Once renewed, your policy continues with the same benefits or any new add-ons you have chosen.

Claim Process for Family Health Insurance

When you need to file a claim, the health insurance claim process follows two routes:

Cashless Route (through network hospitals)

Show your insurance ID card at the hospital. The hospital coordinates directly with ICICI Lombard, and if authorised, the bill is settled without you paying upfront.
Reimbursement Route (non-network hospitals)

Pay the hospital bill first and keep all receipts and documents. Submit these along with the claim form. After verification, the approved amount is transferred to your account.

Tips to Choose the Right Family Health Insurance Policy

The best plan is the one that fits your family’s needs. Here are a few tips to help you choose family health insurance wisely:

Start with your family's real health needs, then find a plan that matches them.
Check waiting periods carefully, especially for pre-existing conditions.
Go for a higher sum insured to stay ahead of rising medical costs.
Make sure coverage includes pre-and post-hospitalisation, daycare, ambulance, and modern treatments.
Look for a restoration benefit, so your cover gets refilled after a major claim.
Watch for co-payments and sub-limits that reduce what the insurer actually pays.
Verify the hospital network around you so that cashless treatment is accessible.

Family health insurance blogs

What is a family floater health insurance plan?

Why Should you buy a family health insurance policy

Average Cost of Health Insurance for a Family of 3

Safeguard your family with complete coverage and cashless benefits

Top-Up Insurance Plan for A Separate Family Floater Plan

How Family Size Affects Health Insurance Cost

4.8
Our customers have rated us
Based on 3,911 reviews

Good experience. The salesperson offered her support till the end of the transaction and provided me with all the possible solutions to my issues. It took me 2-4 days to finalise the mediclaim policy, but I got a great response from her. Thank you.

Your agent had great convincing power along with an in-depth knowledge of the product as well as the market. Her command over the language, combined with her selling skills, made this interaction a productive one. I thank her from the bottom of my heart for her support.

My experience of purchasing a health insurance policy from ICICI Lombard was smooth and really easy, thanks to the competence of the executive. He made sure I understood the key features and benefits of the plan, such as cashless hospitalisation and coverage for day-care expenses. He was patient with me throughout the interaction. Thanks, appreciate it.

Excellent service. I had the good fortune of connecting with one of your top executives and talk about the features and benefits of the mediclaim policy. She listened to me patiently, understood my requirements, and then advised me accordingly. Her knowledge and communication skills made me trust her judgement and follow her advice.

It was a nice experience to talk to the agent from ICICI Lombard. She has good knowledge of the available products and their features and benefits. She helped me in choosing the best mediclaim policy for my mother. Well done!

Way to go! I was very happy with the way the agent handled my transaction. She used her incredible knowledge and communication skills to convince me to buy the health insurance plan and gave me excellent suggestions. I appreciate it.

Your representative has been very helpful and responsive during my wellness claim and renewal process of the health insurance policy. She even reacquainted me with features and benefits like emergency ambulance cover and life long renewability. I would like to thank her and rate her service 10 out of 10.

The executive was clear in his conversation with me. He was knowledgeable, patient, and a good resource for all the information I needed about the health insurance policy. In the end, I was able to make an educated choice.

Your representative was very professional, helpful, and supportive. He solved all my problems and gave me expert advice on the matter of buying health insurance. Congrats on a job well done!

Great experience. All the information I needed was provided by the agent and the customer interaction was very good. ICICI Lombard trains their employees well and it shows in the way they interact.

Good response. I would like to express my gratitude to the customer care employee who helped me get the health insurance. He was wonderful to talk to and extended me every courtesy in the book. I am sure he is an asset to the organisation and deserves all the appreciation. Thanks a lot.

The executive seemed very helpful on the call. She answered all my queries in a satisfactory manner and guided me through the process of purchasing health insurance on the website. I would like to rate her service 5 stars.

Thanks to the proactive nature of the agent, I was able to get my health insurance renewed on time. My conversation with him was polite and informative. The organisation is lucky to have people like him who understand and care about customers.

My interaction with the representative was good. He was patient throughout the call and answered all my queries in great detail without batting an eyelid. He was competent, smart, and a professional through and through. Really appreciate it.

The representative I interacted with is testament to the fact that having a good product is not enough unless the salesperson knows what to do. He knew exactly what to do and how to approach me, which is why I am now the proud owner of a health insurance policy that fits my needs. Thanks for all the help.

Your website was easy to browse and quick in usability. I was even able to contact one of your agents and get some help on the purchase of the health insurance policy. Congratulations on a job well done!

Read all reviews

FAQs

How long can children stay covered under a family health insurance policy?

Usually up to 18 to 25 years, depending on the policy terms. After that, a separate plan may be needed.

How can I switch my current health insurance to ICICI Lombard?

Apply for portability about 45 days before renewal, share your current policy details, and complete the form. If approved, the new policy starts at renewal with existing benefits carried forward.

Is overseas treatment covered under ICICI Lombard Health AdvantEdge?

Yes, overseas treatment is available under the Apex Plus plan for specified treatments and conditions. Prior approval is required as per policy terms.

Can I add optional covers or riders to enhance my family's health insurance coverage?

Yes. Riders like maternity, critical illness, OPD, or consumables cover can be added at the time of purchase or at renewal, depending on the plan.

Does the premium increase when a new family member is added?

Yes. The premium is recalculated based on the new member's age, health profile, and the overall risk added to the policy.

Can I pay the family health insurance premium in instalments?

Most plans offer monthly, quarterly, or annual payment options. Annual payment is usually the more cost-effective choice.

Is there any discount on the premium for buying health insurance online?

In many cases, yes. Buying online can lead to lower premiums because distribution costs are lower than offline purchases.

What happens if my claim is rejected?

You will receive a reason for the rejection. You can review it, correct any missing documents, and resubmit. If needed, the grievance process is available to escalate the matter.

What happens if the primary insured member passes away in a family floater policy?

The policy generally continues for the remaining members until the end of the term. At renewal, the structure or premium may be revised based on the updated member list.

What are the turnaround times (TAT) for policy services and requests?

Most basic requests are completed within a few working days. Claims may take longer depending on the verification required.

Who should consider buying a family health insurance plan?

Families who want one policy to cover multiple members, keep costs manageable, and handle medical expenses through a shared cover. It works best when health risks and claims are not frequent across the family.

Is it necessary to buy family health insurance if I already have corporate health insurance?

Yes. Corporate insurance has its limits. It may not cover all medical needs, and it stops the moment you leave your job. A separate family plan gives you long-term protection that stays with you regardless of where you work.

Got questions? Let's talk! Share your contact details and we'll give you a call.

Thank You for your interest in our product.