Health Insurance

Family Health Insurance Plans

Name: Buy Health Insurance Plans for Family Online in India 2025
Brand: Bajaj General Insurance
Rating: 4.7 (1208 reviews)

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Protect your Family’s Health.

Family Health Insurance Plans - Zero GST, Maximum Protection

Coverage Highlights

Key benefits

Wide Options

Choose a sum insured that fits your budget, ranging from ₹1 lakh to ₹25 lakhs.

Quick Claim Settlement

Claims are processed directly by us, ensuring faster and more efficient settlements.

Lifetime Renewal

Enjoy uninterrupted health coverage for yourself and your family by renewing your policy every year.

No Medical Tests

No medical tests are required for individuals up to 45 years of age.

Preventive Check-ups

Avail free preventive health check-ups to encourage regular health monitoring and early detection of potential health issues.

Reinstatement Benefit

Get your sum insured reinstated after exhaustion due to a claim.

Key Inclusions

What’s covered?

Hospitalisation Expenses

Covers hospitalisation costs, including a choice of room types and all types of daycare procedures and surgeries.

Pre and Post-Hospitalisation Expenses

Covers medical expenses for up to 60 days before and 90 days after hospitalisation, with options for customisation as needed.

AYUSH Hospitalisation

Covers medical expenses for alternative treatments such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy when prescribed by a doctor for illness or injury.

In-patient Hospitalisation

Includes expenses for room and boarding, ICU, nursing care, surgeon fees, anaesthesia, and other necessary treatments as prescribed by a doctor.

Road Ambulance

Reimburses reasonable ambulance expenses per valid hospitalisation claim when availing services from a healthcare or ambulance provider.

Organ Donor Expense

Covers the medical costs for an organ donor's in-patient treatment when harvesting an organ for the insured person.

Reinstatement Benefit

Restores 100% of the base sum insured for in-patient hospitalisation, ensuring full coverage for the policy year.

Daily Cash Allowance

Provides a fixed daily cash benefit during hospitalisation to help cover incidental expenses not included in the primary health insurance.

Modern Treatment

Covers medical expenses for treatments using modern technologies and advanced procedures

Key Exclusions

What’s not covered?

Waiting Period

A mandatory initial waiting period of 30 days applies for hospitalisation due to illness or sickness. However, accidental hospitalisation is covered from day one.

Pre-Existing Disease

A waiting period of 36 months applies to pre-existing conditions such as diabetes, high blood pressure, thyroid disorders, asthma, etc.

Specific Disease/Procedure

A 24-month waiting period applies to expenses related to the treatment of specified conditions, surgeries, and medical procedures.

Investigation & Evaluation

Medical expenses solely for diagnostic or evaluation purposes that are not related to the current diagnosis and treatment are not covered.

Dietary Supplements

Expenses for vitamins, minerals, and organic supplements purchased without a prescription are excluded unless prescribed by a medical practitioner as part of hospitalisation or daycare treatment.

Cosmetic Surgery

Any treatment undertaken for aesthetic purposes is not covered unless it is required for reconstruction following an accident, burns, or medically necessary treatment.

Self-Inflicted Injuries

Expenses arising from self-inflicted injuries, suicide attempts, insanity, or involvement in illegal activities are not covered.

Deductibles & Co-Pays

A portion of the claim will need to be borne by the policyholder, as per the terms of the policy.

Additional Services

What else can you get?

Non-Medical Expense

Covers typically excluded non-medical items in standard health insurance policies.

Maternity Cover

Provides financial support for delivery expenses, prenatal and postnatal care, and newborn medical costs

Bariatric Surgery Cover

Provides financial support for weight-loss procedures like gastric bypass, covering expenses if medically necessary due to obesity-related health conditions, as per policy terms.

What Is Family Health Insurance Plan?

A family health insurance plan is a type of health coverage that protects all members of a family under a single policy. Instead of buying separate plans for each individual, the entire family shares one sum insured, making it a cost-effective and convenient option. These plans generally cover medical expenses such as hospitalisation, surgeries, daycare procedures, and pre- and post-hospitalisation costs.

The Family Health Care plan from Bajaj General Insurance is an annual family floater policy that enables policyholders with in-house claim settlement, lifetime renewal, income tax benefits and a free look period.

Quick Overview

1
Financial Protection : Investing in a family health insurance policy helps you and your family manage medical treatment costs by covering various healthcare expenses.
2
One Plan for All : It is easy to manage since it allows families to come under a single policy to prepare for unexpected healthcare needs.
3
Easy Claim Process : Policyholders can avail cashless treatment at network hospitals or submit the required medical records and bills to seek reimbursement for covered expenses.
4
Key Features : Depending on the chosen plan, the policy may offer benefits such as hospitalisation cover, day care treatment coverage, ambulance expenses, and more.
5
Affordable Premium : Cost-effective coverage with lower premiums than separate individual health insurance plans for each family member, making healthcare protection affordable for families.
6
Key Exclusions : Certain treatments and expenses, including those subject to waiting periods, non-medical consumables, cosmetic procedures, and other policy-specific exclusions.

Key Features & Benefits of Family Health Insurance

Here are some of the key features and benefits of health insurance plans for parents and children:

One Plan for Family

Investing in family health insurance coverage enables policyholders to bring their parents, children and spouses under a single umbrella. So, it becomes simple in terms of documentation and management.

Affordable Than Individual Plans

Compared to individual plans, a single medical insurance plan for family members is affordable. Insurers charge a consolidated premium where every member shares the same sum insured.

Offers Tax Savings

Family health insurance with tax benefits under Section 126 of the Income Tax Act 2025 allows individuals owning family health insurance to claim deductions up to ₹1 Lakh in a financial year.

Easy Renewal

The best family health insurance plan in India ensures long-term protection through easy renewability. You can either opt for auto-renewability or do it manually at the end of the policy year.

Allows Preventive Health Checkups

The most robust health cover for the entire family in India allows policyholders to avail of preventive health care checkups annually. They can redeem wellness points in exchange for free tests.

Covers Organ Donor Expenses

Family health insurance plans cover organ donor expenses starting from harvesting to transplanting into the recipient. It includes operation, nursing charges, in-patient room rent and surgeon fees.

Provides Maternity Cover

Family health insurance owners can choose maternity cover as an add-on or in built-in comprehensive plans. It covers delivery expenses, antenatal and postnatal care, and routine care for the newborn.

Covers AYUSH Treatment Expenses

Those who are interested in alternative treatment involving AYUSH (Ayurvedic, Yoga and Naturopathy, Unani, Siddha, and Homoeopathy) can cover such expenses with a family floater plan.

Promotes Wellness

Family floater plans promote wellness by shifting focus from treating an illness to its prevention. They do that by offering reward points for maintaining a healthy lifestyle and offering therapies.

Family Health Insurance at a Glance

Here are some of the key features of family health insurance and what they mean:

Sr No.	Features	What is it
1	Sum Insured Option	It is the maximum amount the insurer pays to cover medical expenses throughout the policy year. It ranges between ₹1 lakh and ₹25 lakh, depending on the coverage.
2	Room Rent Limit	The room rent limit is the maximum amount you will get for each day of hospitalisation. It usually is 1% of the sum insured amount.
3	Modern Treatment Method	Whenever advanced and high-tech medical treatments are involved, your insurer pays 50% of the sum insured.
4	Pre and Post Hospitalisation	It refers to the amount an insurer pays before hospitalisation and after hospitalisation. Depending on the plan, it varies between 30 days and 60 days.
5	Sum Insured Reinstatement Benefit	This benefit allows your base sum insured amount to replenish once it gets partially or completely exhausted. The coverage can be reinstated up to 100%.
6	Road Ambulance Cover	The road ambulance cover provides transportation charges for a patient during a medical emergency. Your insurer determines the amount depending on the policy type.
7	Hospital Cash Benefit	It is a supplementary cover that offers a fixed or pre-determined daily sum for each day a policyholder spends at a hospital.

Why Should You Buy Bajaj General Family Health Insurance?

If you are looking for the best health insurance for family, including parents, then choose Bajaj General Family Health Insurance. Here is why:

Availability of Cashless Cover

We allow our policyholders to avail cashless benefits seamlessly. You can either use the app-based claim submission process or use our 24/7 cashless claim facility.

Faster Claim Settlement

Whether you are opting for a cashless or a reimbursement claim, we ensure that the claim is settled fast. Since our claim settlement process is handled digitally, you will not even need to undergo paperwork.

Flexible Plans

From budget-friendly to exclusive, our plans are flexible, so policyholders will not have to compromise on the coverage. You can customise the plans as per your own requirements.

Lifetime Renewability

Irrespective of which plan you choose, we guarantee lifelong renewability of all our health insurance plans, irrespective of age or health condition. Once you purchase, we will ensure renewal on time to avoid policy lapse.

Hybrid Policy Purchase

Bajaj General Insurance believes in inclusivity. So, besides online policies, we offer offline policies too. So, those who are comfortable with offline policy purchase, we are glad to help them as well.

Reputable and Trustworthy

We have been known for our high claim settlement ratio, transparency, customer support, and client-centric services for decades. Millions of customers believe in us when it comes to suggesting ideal cover or services.

Simple Co-Payment Clause

Our cost-sharing agreement with our policyholders is pretty simple. We specify a particular percentage that our policyholders pay out of pocket; the remaining amount we cover.

Quick Quote Generation

The official website of Bajaj General Insurance is extremely user-friendly. We not only allow you to generate quick quotes, but also enable you to compare different policies easily with a few clicks.

Wider Sum Insured Amount

The sum insured under our family health insurance plans ranges from ₹1 lakh to ₹25 lakh. Regardless of the number of family members covered or your budget, you can choose a plan that best suits your needs.

Why Insure Your Health with Bajaj General?

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Cashless Coverage

Access 18,400+ hospitals, all cashless!

Quick Claim Settlement

Sixty minutes is all it takes!

Cumulative Bonus

Get more!!

Claim-On-The-Go

Get instant claim payout upto INR 20,000 through our App.

Choice of Sum Insured

Custom-create a health plan for yourself

Top Reasons to Choose the Bajaj General Health Guard Policy

Bajaj General Health Guard Policy is an all-rounder health cover that guards your family. Here is why you can consider this plan:

Maternity and Newborn Care Cover

Under the gold and platinum plans of the health guard plan, you can cover maternity expenses, including necessary treatments for newborn babies, for up to 90 days.

Preventive Care Cover

Bajaj General Insurance’s Health Guard plan allows policyholders to choose preventive check-ups at regular intervals. In return, they get reimbursements. This encourages proactive healthcare.

Pre and Post-Hospitalisation Cover

We cover pre- hospitalisation care up to 60 days, and post-hospitalisation care up to 90 days. This type of coverage includes diagnostic tests, doctor consultations and medicines.

Beneficial Cumulative Bonus

A cumulative bonus in family health insurance is the financial reward a policyholder receives for maintaining a claim-free policy year. Our health guard policy allows policyholders to accumulate a cumulative bonus that can be redeemed at renewal.

Pre-Policy Checkups

When it comes to onboarding our Health Guard Policy, we do not ask our policy seekers to undergo medical treatment up to the age of 45. However, if there is a pre-existing health condition or the policyholder is aged above 45, we arrange relevant medical tests.

Organ Donor Expenses Cover

The Health Guard plan covers organ donor expenses if a policyholder undergoes an organ transplant. The coverage supports both the donor and the receiver.

Promotes Wellness

If policyholders can maintain their health parameters through a healthy lifestyle and diet, we offer online renewal savings of up to 10%. In addition, we offer 2.5% savings if they meet recommended step counts.

Unlimited Reinstatement and Recharge Benefit

Whereas unlimited reinstatement infinitely restores the full sum insured upon exhaustion, the recharge benefit triggers an automatic top-up of the coverage pool when the base amount gets depleted.

Bariatric Surgery

Bariatric surgery, which is a surgical procedure performed on the digestive system to help individuals with severe obesity, is covered under our Health Guard plan. Although the waiting period is 36 months, we cover this surgery.

Individual Health Insurance vs. Family Health Insurance Comparison

Deciding between individual health insurance and family health insurance depends largely on your family's age, medical history, and specific needs.

Check out the table below for a better understanding:

Parameter	Individual Health Insurance	Family Health Insurance
Definition	A dedicated sum insured for one individual.	Shared sum insured for multiple family members.
Premium	Depends on the individual's age and health condition.	Premium depends on all family members’ age, health condition and lifestyle.
Key Advantage	Ideal for personalised coverage, where extensive care is required.	Beneficial for families looking for a cost-effective premium.
Claim Process	Only the insured person can claim benefits.	All family members are eligible to make a claim.
Ideal For	Families that have senior members and individuals with high health risks.	Smaller, younger families without high-risk medical needs.
Focus	Focuses on tailored benefits that contribute to better personal health management.	Focuses on affordability, comprehensiveness and shared benefits among all members.

Things to Consider Before Buying a Family Health Insurance Plan

1
Sum Insured : Choose an adequate sum insured to cover all family members, especially those with pre-existing conditions or specific medical needs.
2
Premium Costs : Premiums increase with the sum insured and the age of the eldest family member. Select an affordable option that provides comprehensive protection without straining your budget.
3
Network Hospitals : Bajaj General Insurance Limited has a broad network of hospitals across India, offering cashless treatment to reduce upfront payment burdens during emergencies.
4
Pre/Post-Hospitalisation Coverage : Ensure your plan includes expenses for doctor visits, diagnostic tests, and medications both before and after hospitalisation.
5
Daycare Procedures : Check if daycare treatments are covered, as these don’t require a 24-hour hospital stay but can be costly.
6
Ambulance Services : Confirm if ambulance charges are included, as these can provide valuable support in emergencies or for planned treatments.

Family Health Insurance Claim Process

When you are opting for cashless claims under family health insurance plans, the process is as follows:

Claim By Direct Click

Fill the claim form and arrange for the hospital-related documents.

Upload the documents using the app menu.

Submit the claim for further processing.

Get confirmation within a few hours.

Cashless Claim Process (Only at a Network Hospital)

Get the pre-authorisation request form filled and signed by the treating doctor/hospital.

The network hospital will send the request to HAT.

HAT doctors will examine the pre-authorisation request form.

An authorisation letter/denial letter/additional requirement letter will be issued.

At the time of discharge, the hospital will share the final bill and discharge details with HAT.

Based on their assessment, the final settlement will be processed.

Aspects of Cashless Claim Settlement That the Policy Does Not Cover

1
Non-Medical Charges: Policyholders have to pay for non-medical charges before discharge at the hospital. These include the telephone charges, food and beverages for relatives, and toiletries.
2
High Cost Room Charge: Although in a comprehensive family floater plan, room rents and nursing charges are included, policyholders have to pay the incremental charges if a higher-cost room is used.
3
Out of Coverage Treatment : If, after verifying the claim request, the insurer finds that the treatment mentioned in the claim form does not fall under policy coverage, the claim will be denied.
4
Incomplete Pre-Authorisation Details: If the policyholder is unable to furnish sufficient medical information related to the treatment or health condition, the insurer has the full authority to deny the pre-authorisation of a cashless claim.

Reimbursement of Pre-/Post-hospitalisation Process (In Case of a Non-network Hospital)

To make a reimbursement claim under Bajaj General’s family health insurance, follow these steps:

Inform the BGIL HAT team about the hospitalisation.

To register your claim online, click here.

To register your claim offline, please call us on our toll-free number: 1800-209-5858.

After discharge, you or a family member must submit the necessary claim documents to the HAT within 30 days.

** Get the list of the reimbursement claim documents in the following section.

Documents Required for Reimbursement Claim

Here are some of the mandatory documents you need to submit while making a reimbursement claim under Bajaj General’s family health insurance:

Duly filled and signed claim form with mobile number and email ID.

Original hospital bill and payment receipt

Investigation report

Discharge card

Prescriptions

Bills of medicines and surgical items

Details of pre-hospitalisation expenses (if any)

In-patient papers, if required

Step-by-Step Guide

How to Buy Family Health Insurance Online?

How to Buy

1

Visit Bajaj General website
2

Enter personal details
3

Compare health insurance plans
4

Select suitable coverage
5

Check discounts & offers
6

Add optional benefits
7

Proceed to secure payment
8

Receive instant policy confirmation

Buy Now

How to Renew

1

Login to the app
2

Enter your current policy details
3

Review and update coverage if required
4

Check for renewal offers
5

Add or remove riders
6

Confirm details and proceed
7

Complete renewal payment online
8

Receive instant confirmation for your policy renewal

Renew Now

How to Claim

1

Notify Bajaj General about the claim using app
2

Submit all the required documents
3

Choose cashless or reimbursement mode for your claim
4

Avail treatment and share required bills
5

Receive claim settlement after approval

Claim Now

How to Port

1

Check eligibility for porting
2

Compare new policy benefits
3

Apply before your current policy expires
4

Provide details of your existing policy
5

Undergo risk assessment by Bajaj General
6

Receive approval from Bajaj General
7

Pay the premium for your new policy
8

Receive policy documents & coverage details

Port Now

Download Policy Document

Get instant access to your policy details with a single click.

Brochure

Policy Wordings

Proposal Form

Claims Form

CIS Wordings

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What are the Family Health Insurance Terms You Need to Know About?

1
Scope of Coverage: The scope of coverage refers to information related to the medical treatments and procedures the insurer will cover. It varies from one insurer to another, so compare family health insurance plans online before buying.
2
Policy Period Limit: It is the specific time frame, mostly 12 months, when the family medical plan remains active. This time allows you to utilise the benefits, claim reimbursements and accumulate a cumulative bonus.
3
Individual Vs Floater: Whereas a floater plan covers all family members and comes at an affordable premium, an individual plan is limited to one person and is expensive. Choose after analysing your personal requirements.
4
Waiting Period: Suppose you have purchased a family health insurance for a specific disease. The waiting period is the time you must wait before the insurer covers the treatment expenses for that disease.
5
Copayment: A copay is the fixed out-of-pocket charge a policyholder pays within a family health insurance plan. It is a shared payment option that policyholders choose to reduce their policy premiums and identify predictable costs.
6
Deductible: It is the expense a policyholder bears before the health insurance coverage starts to contribute. Whereas the deductible is an annual amount that resets annually, the copay is the ongoing amount applicable to every medical treatment.
7
Policy Exclusion: Policy exclusion refers to the specific medical conditions a health insurance provider does not cover. The most common exclusions are cosmetic surgeries, substance abuse, self-inflicted injuries, experimental treatments and so on.
8
Network Hospitals: Policyholders who have chosen cashless claim benefits as part of their health plan must visit a network hospital for necessary treatments. Treatments at these hospitals allow policyholders to avoid upfront payment.
9
Pre-Existing Condition: Before buying health insurance, if a policyholder has been diagnosed with diabetes, kidney issues, cancer or cardiac issues, it is called a pre-existing condition. Involvement of a pre-existing health condition leads to a higher premium.
10
Rider: Riders or add-ons in a family health insurance policy enable policyholders to extend their coverage on top of the base cover. Although optional, these allow you to tailor policy coverage up to a great extent.

What is the AYUSH benefit under the family health insurance plans?

Bajaj General Insurance Limited will cover your expenses in case of hospitalisation of at least 24 hours in an AYUSH hospital, either a government facility or an institute recognised by the government and/or accredited by the Quality Council of India/National Accreditation Board on Health, on a doctor's advice due to illness or accidental injury during the policy period.

Are pre-existing diseases covered under the Family Health Care plan?

Yes, pre-existing illnesses are covered after the completion of the specified waiting period, provided the policy is continuously renewed without a break. Coverage is subject to medical underwriting and the terms mentioned in the policy document.

Does the Family Health Care plan cover ambulance charges?

Yes, the policy covers reasonable ambulance expenses incurred for transporting the insured to the nearest hospital in case of a medical emergency. The reimbursement is subject to the maximum limit specified in the policy schedule.

What is the coverage for organ donor expenses under the family health insurance plans?

We will cover expenses for a major organ transplant, including organ harvesting, provided the donor complies with The Transplantation of Human Organs (Amendment) Bill, 2011, and the organ is for the insured person. Coverage applies only if Bajaj General Insurance approves an inpatient hospitalisation claim for the insured.

What is the hospital cash benefit under the family health insurance plans?

If you are hospitalised on a doctor's advice, as defined in the policy, due to an illness or accidental bodily injury sustained or contracted during the policy period, we Bajaj General Insurance will pay you a daily allowance of ₹300 per day for each continuous 24-hour hospitalisation. This benefit is capped at a maximum of 30 days per policy period.

What are the conditions for the portability of the family health insurance plans?

The insured beneficiary can port the policy to another insurer, including all family members, by applying at least 45 days but no earlier than 60 days before renewal, as per IRDAI portability guidelines. If continuously covered without lapses under any Indian health insurance policy, they will retain accrued continuity benefits for waiting periods.

What is the cumulative bonus under the family health insurance plans?

If you renew your Family Health Care policy with us Bajaj General Insurance without any break and make no claims in the previous year, we will increase your sum insured by 10% annually. This cumulative bonus is capped at five years or 50% of your original policy’s sum insured, whichever is lower.

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