Family Health Insurance

Exclusive

Wellness Benefits

99% Claim

Settlement (FY24-25)

Tax Savings

u/s 80D

9000+ Cashless Hospitals PAN India

Pincode

+91 Enter Mobile Number

Try agian later

I agree to the Terms & Conditions

Port My Policy

Download Policy

(Incl 18% GST)

Disclaimer:Tata Capital Limited (“TCL”) registered with IRDAI (License No. CA0896, valid till 21-Jan-2027), acts as a Corporate Agent “Composite” for Go Digit General Insurance Limited. Please note that, TCL does not underwrite the risk or act as an insurer. For more details on the risk factors, terms and conditions please read sales brochure carefully of the Insurance Company before concluding the sale. Participation to buy insurance is purely voluntary.

The Registered office of TCL is Tata Capital Limited, 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam, Marg, Lower Parel, Mumbai-400013.
The Registered Office of Go Digit: Go Digit General Insurance Limited, 1st Floor, Fairmont, Hiranandani Business Park, Powai, Mumbai – 400076.

Buy Family Medical Insurance Policy Online in India

With the increasing number of critical illnesses and rising medical expenses, health insurance for families in India will become crucial. The cost of healthcare services, including consultations, surgeries, and treatments for chronic diseases, has surged significantly.

Family health insurance provides a financial safety net, covering hospitalisation costs, doctor fees, diagnostic tests, and sometimes even pre and post-hospitalization expenses. This coverage ensures that families are not forced to deplete their savings or incur debt to manage medical emergencies or routine health issues, thereby offering peace of mind and financial stability.

In this article, you will explore what family health insurance means, what’s covered and what’s not covered, how to buy family health insurance with Digit and the process to file a claim.

Team Digit

What is a Family Health Insurance?

A family health insurance policy is a type of health insurance policy customised for you and your family members under one single annual premium. Family health insurance includes health benefits such as Daycare Procedures, Accidental Hospitalisation, Critical Illness Hospitalisation, Psychiatric Support, Advance Cash Benefits and Annual Health Checkups, amongst others.

Today, when health expenses and issues rise, family health insurance online assures that you and your family will always be covered and protected during unfortunate medical situations. Because protecting and caring for the people we love is the most human thing to do.

Dedicated to the ones who always put their family first. For the ones who want to protect their loved ones through it all. Big and small. Major and minor. For the ones who oversee everything, who think about it all.

Why Securing your Family's Health today matters more than ever?

Why do you need a Family Health Insurance?

Protect your Savings

Medical costs are only increasing. A family health insurance will safeguard your savings by helping you pay the medical bills for all insured family members, under one plan.

Covers for Medical Expenses Big & Small

Contrary to popular belief, a family health insurance plan not only covers you and your family members for major illness but also covers for minor illnesses that could arise out of a health condition or accident.

Curb Lifestyle Diseases

Lifestyle-related diseases are on a rapid rise. Over 61% of major health conditions and deaths in India are caused due to lifestyle diseases today. A family health insurance will ensure you and your family are protected against them right from diagnosis to treatment.

Enhance Overall Wellbeing

Benefit from both physical and psychiatric health benefits, thus ensuring complete health and well-being for your complete family.

Maximize on Tax Savings

Save up not only on medical bills but, also get tax benefits on premiums paid.

Affordable Premiums

The best part about a family insurance plan is you can cover for all family members under one plan. In fact, it’s also advised to include your young kids in the plan as early as possible as the premium would be very less and waiting periods would be over sooner too!

Why Should You Take a Family Health Insurance Online?

In India, health insurance is often underutilized, misunderstood, and bought with little thought and precision. However, now that things have gone digital, health insurance is also made available online.

This now makes it easier for you to evaluate your options at your own pace, read about the different benefits and customize your plan accordingly online. Moreover, online health insurance ensures zero paperwork and less time wasted!

What's Great About Family Health Insurance by Digit?

Simple Online Processes - From the process of buying a health insurance policy to making claims is paperless, easy, quick and hassle-free! No hard copies, even for claims!
No Age-based or Zone-Based Co-payment - Our health insurance comes with no age-based or zone-based copayment. This means, during health insurance claims, you need not pay anything from your pocket.
No Room Rent Restriction - We understand that everyone has different preferences. That’s why we have no room rent restrictions in health insurance. Choose any hospital room you prefer.
SI Wallet Benefit - If you exhaust your sum insured in health insurance during the policy period, we will refill it for you.
Get Treated at Any Hospital - Choose from 9000+ of our network hospitals in India for cashless treatment or opt for reimbursement.
Wellness Benefits - Get exclusive wellness benefits on the Digit App in collaboration with top-rated health and wellness partners.

Disclaimer: The numbers for total policies sold, lives insured, claims settled and amount of claims paid is for the Group and Retail Health Insurance policies since inception up to 31st March-2025. The total count of cashless network hospitals is as of 31st March-2025. The claim settlement ratio is for the group and retail health insurance policies for the FY 2024-25.

Key Benefits of Family Health Insurance by Digit

Your health insurance plan with Digit extends several exclusive benefits that enhance your coverage. Here are the key advantages:

Co-payment	No
Room Rent Capping	No
Cashless Hospitals	9000+ Network Hospitals across India
Inbuilt Personal Accident Cover	Yes
Wellness Benefits	Available from 12+ Wellness Partners
City Based Discount	Up to 10% Discount
Worldwide Coverage	Yes, Available only on Worldwide Treatment Plan
Good Health Discount	Up to 5% Discount
Consumables Cover	Available as an Add-on

What’s Covered in the Family Health Insurance Plans Offered by Digit?

Coverages

Double Wallet Plan

Infinity Wallet Plan

Worldwide Treatment Plan

Important Features

All Hospitalisation - due to Accident, Illness, Critical Illness or COVID

This covers for all hospitalisation expenses including due to an Illness, Accident, Critical Illness or even pandemics like Covid 19. It can be used to cover for multiple hospitalisations, as long as the total expenses are up to your sum insured.

✔

Initial Waiting Period

You need to wait for a defined period from the first day of your policy to get covered for treatment related to any non-accidental illness. This is the Initial Waiting period.

✔

Wellness Program

Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.

✔

Sum Insured Back Up

We provide a back-up Sum Insured which is 100% of your Sum Insured amount. How does Sum Insured Back Up work? Suppose your policy Sum Insured is Rs. 5 lac. You make a claim of Rs.50,000. Digit automatically triggers the wallet benefit. So you now have 4.5lac + 5 lac Sum Insured available for the year. However, one single claim, cannot be more than the base Sum Insured as in the above case, 5 lac. .

Once in a policy period; Related and unrelated illness; No Exhaustion Clause; Same person also covered.

Unlimited Reinstatement in a policy period; Related and unrelated illness; No Exhaustion Clause; Same person also covered.

Once in a policy period; Related and unrelated illness; No Exhaustion Clause; Same person also covered.

Cumulative Bonus

Digit Special

No claims in the Policy year? You get a bonus -an additional amount in your total sum-insured for staying healthy & claim free!

10% of Base Sum Insured for every claim free year, up to max 100%.

50% of Base Sum Insured for every claim free year, up to max 100%.

No Room Rent Capping

Different categories of rooms have different rents. Just like how hotel rooms have tarrifs. Digit plans give you the benefit of having no room rent cap, as long as it is below your Sum Insured..

✔

Day Care Procedures

Health insurance covers medical expenses only for hospitalisations exceeding 24 hours. Day care procedures refer to medical treatments undertaken in a hospital, requiring less than 24 hours due to technological advancement such as cataract, dialysis etc.

✔

Worldwide Coverage

Digit Special

Get a world class treatment with the Worldwide Coverage! If your doctor identifies an illness during your health examination in India and you wish to get a treatment abroad, then we’re there for you.You’re covered!

✔

Health Check-up

We pay for your health check-up expenses upto the amount mentioned in your Plan. No restrictions on the kind of tests! Be it ECG or Thyroid Profile. Make sure you go through your policy schedule to check the claim limit.

0.25% of Base Sum Insured, Max up to ₹ 1,000 after every two years.

0.25% of Base Sum Insured, Max up to ₹ 1,500 after every year.

0.25% of SI up to ₹ 2,000 after every year.

Emergency Air Ambulance Expenses

There may be emergency life-threatening health conditions which may require immediate transportation to hospital. We absolutely understand this and reimburse for expenses incurred for your transportation to a hospital in airplane or helicopter.

✔

Age/Zone Based Co-payment

Digit Special

Co-Payment means a cost sharing requirement under a Health Insurance Policy that provides that the Policyholder/Insured will bear a specified percentage of the admissible claims amount. It does not reduce the Sum Insured. This percentage depends on various factors like age, or sometimes also on your treatment city called zone based copayment. In our plans, there is no age based or zone based Co payment involved.

No Co-payment

Road Ambulance Expenses

Get reimbursed for the expenses of road ambulance, in case you are hospitalised.

1% of Base Sum Insured, Max up to ₹ 10,000.

1% of Base Sum Insured, Max up to ₹ 15,000.

1% of Base Sum Insured, Max up to ₹ 10,000.

Pre/Post Hospitalisation

This cover is for all expenses before and after hospitalisation such as for diagnosis, tests and recovery.

30/60 Days

60/180 Days

Other Features

Pre-Existing Disease (PED) Waiting Period

The disease or condition that you are already suffering with and have disclosed to us before taking the policy and has been accepted by us has a waiting period as per plan opted and mentioned in your Policy Schedule.

3 Years

Specific Illness Waiting Period

This is the amount of time you need to wait for, until you can make a claim for a specific illness. At Digit it is 1-3 years and starts from the day of policy activation. For the full list of exclusions, read Standard Exclusions (Excl02) of your policy wordings.

1-3 Years

Inbuilt Personal Accident Cover

If You sustain an Accidental Bodily Injury during the Policy Period, which is the sole and direct cause of Your Death within twelve (12) months from the date of accident, then We will pay 100% of the Sum Insured as mentioned in Policy Schedule against this cover and as per plan opted.

₹ 50,000

₹ 1,00,000

Organ Donor Expenses

Digit Special

Your organ donor gets covered in your policy. We also take care the pre and post hospitalisation expenses of the donor. Organ donating is one of the kindest deeds ever and we thought to ourselves, why not be a part of it!

✔

Domiciliary Hospitalisation

Hospitals can go out of beds, or the patient’s condition may be rough to get admitted in a hospital. Don’t panic! We cover you for the medical expenses even if you get treatment at home.

✔

Bariatric Surgery

Obesity may be the root cause of so many health issues. We absolutely understand this, and cover for Bariatric Surgery when it is medically necessary and advised by your doctor. However, we DONOT cover if hospitalisation for this treatment is for cosmetic reasons.

✔

Psychiatric Illness

If due to a trauma, a member has to be hospitalised for a psychiatric treatment, it will be covered under this benefit, upto INR 1,00,000. However, OPD consultations are not covered under this. The waiting period for Psychiatric Illness Cover is same as Specific Illness waiting period.

✔

Consumables Cover

Before, during & after hospitalisation, there are many other medical aids & expenditures such as walking aids, crepe bandages, belts, etc.,which need your pocket’s attention.This cover takes care of these expenses that are otherwise excluded from the policy.

Available as an Add-On

Add-on Options with Digit Family Health Insurance

Add flexibility to your family health insurance with add-ons. Digit offers the below exclusive add-ons to provide you with additional layers of protection beyond the basic coverage of your policy:

Consumable Cover

Pay just 10% extra premium and we will cover your non-medical expenses too on approval of your base claim.

Pre-existing Disease/Specific Disease/Initial Waiting Period Modification

You can reduce your pre-existing disease waiting period to up to 2 years.

Network Hospital Discount

This add-on cover will offer you a 10% discount on your premium, if you choose to be treated at our network hospital. However, co-payment will be applicable if you get hospitalised in non-network hospital.

What’s Not Covered in Family Health Insurance by Digit?

What is the Critical Illness Cover in a Family Medical Insurance?

An add-on anybody can opt for; this benefit specifically covers you and your family members for any critical illnesses and all expenses arising out of them. These critical illnesses include all types of Cancer treatments and medications, Kidney Failure, Heart Attacks, and Paralysis, amongst others.

99% Claim Settlement Ratio For Digit’s Health Insurance - FY 2024-25

When it comes to health insurance, Digit stands out with a remarkable 99% Claims Settlement Ratio (CSR). But this isn’t just a number, it’s a reflection of our core promise: to be there when it truly matters.

Every claim represents a moment of vulnerability for someone. A sudden illness. A hospital emergency. A family under pressure. At Digit, we understand that, and that’s why we work relentlessly to ensure that genuine claims are processed quickly, transparently, and with empathy.

Different Types of Family Health Insurance in India

Family health insurance policies can be classified into 2 categories:

Family Floater Health Insurance Plan

Under the family floater health insurance plan, the complete family shares the sum insured. For example, if your plan SI is Rs 10 lakhs, the family must share this amount for the policy period:

Suitable For: A family floater health insurance plan works well for nuclear families or newly married couples.
How It Works: If something happens to multiple family members simultaneously, more than a single sum insured may be needed.

Individual Family Health Insurance Plan

Under the individual family health insurance plan, every family member gets an individual sum insured. For example, if your plan SI is Rs 10 lakhs, each family member can use up to 10 lakhs each for that policy period. If you’re buying an individual plan for four members, the sum insured for the three would be Rs 40 lakhs:

Suitable For: This policy is recommended for families with more than one child and those wishing to insure their parents.
How It Works: If something happens to more than one family member simultaneously, the individual sum insured available in this plan will work effectively, as each member will have just enough coverage.

Difference Between Family Floater vs Individual Family Health Insurance

Point of Comparison	Individual Family Health Insurance	Family Floater Health Insurance
Definition	An Individual Family Health Insurance covers every family member with a separate sum insured for every individual, meaning the premium and sum insured are exclusive to that individual, with no sharing option.	A Family Floater Health Insurance covers an entire family, allowing the premium and sum insured to be shared among all members included in the plan.
Coverage	This plan offers individual coverage to every family member insured in this plan.	This plan offers one single coverage to all family members insured in the plan.
Advantages	The biggest benefit of an Individual Health Insurance plan is that the coverage is much more extensive since every individual has their own sum insured, unlike a family floater.	The biggest benefit of a family floater plan is that the health insurance premium is cost-effective, as the premium is a one-time premium for all family members.
Preferred Choice	Individual Health Insurance is highly recommended for bigger families, or those with senior parents as a family floater may not be sufficient.	A Family Floater Health Insurance would work well for a young couple or small and nuclear families.

Tips for Selecting the Best Health Insurance for Your Family

The best health insurance plan aligns with your family’s health requirements and financial constraints while offering the most comprehensive coverage.

Factors	Reason
Family Needs	Consider your family's age, medical history, and potential health risks.
Coverage	Look for a plan that covers hospitalisation expenses, pre & post-hospitalisation care, daycare treatment and procedures, and critical illnesses.
Network Hospitals	Ensure the plan has a wide network of hospitals in your area for cashless treatment options.
Claim Process	Check for a hassle-free claim settlement process with minimal documentation required.
Policy Wording	Understand exclusions, co-payments (if any), and waiting periods for pre-existing conditions.
Add-ons	Opt for an insurance provider that provides add-on benefits like wellness, accidental coverage, maternity benefits, etc.

How to Choose the Right Sum Insured for Family Health Insurance?

Age: Choose a higher sum insured if you aren’t married yet or just about to marry. The younger you are, the lower your premiums will be, and most of your waiting periods in health insurance will be over.
Life Stage: When your life stage changes, you may need a higher sum insured. For example, if you’re about to plan for a second child or if your parents are old and you’re their sole caretaker.
Number of Dependents: Insuring all family members under a Health Insurance policy is a wiser way to protect your family against future financial risks related to high medical costs.
Health Conditions: If a hereditary disease in the family or a common health condition is rising in the city where you or your family are staying, you should consider a higher sum insured.
Lifestyle: If you live in a polluted metro city, toiling with traffic and bearing office stress daily, you may be at a higher risk of falling ill. Which in turn means you need to cover yourself for the better.

Eligibility Criteria to Buy Health Insurance for Family

Criteria	Eligibility Details
Minimum Entry Age	Adults: 18 years Child: 1 year
Maximum Family Members	8
Family Members	Self, spouse, children, Any 1 set of parents or parents-in-law

How to Buy Health Insurance Policy for Family Online?

Buying a Family health insurance policy online is the same as booking a movie ticket. 🤩 With just a few clicks, you can compare different plans, customise your coverage, and secure your finances. For example, if you are planning to buy Digit’s Comprehensive Health Insurance Plan, follow these simple steps to get insured:

Visit Digit’s Website or App

Visit Digit Health Insurance and go to the health insurance section and enter your phone number & PIN.

Enter Basic Details

Share information like age, family members to be covered, and any medical history or pre-existing disease.

Choose Your Plan

Select your coverage amount and add any rider if needed. Proceed and fill in additional details.

Make Payment

Complete the KYC & payment. Done! Your policy will be sent via email or WhatsApp or accessible on the Digit app.

Documents Required to Buy a Health Insurance for Family

When purchasing a Family health insurance policy, insurers typically require some basic documents for verification. Below is a list of optional documents that can be needed at the time of purchasing a policy:

Identity/Age Proof

Address Proof

Income Proof

Previous Medical Reports (If any)

KYC Documents

Save Tax Through Family Health Insurance Plans in India in 2024

You can claim tax benefits for health insurance premiums paid under Section 80D of the Income Tax Act, 1961 Income Tax Department, Government of India.

Scenario	Maximum Deduction under 80D
Self and Family (All members below 60 years)	₹25,000
For Self and Family + Parents (All members below 60 years)	₹25,000 + ₹25,000 = ₹50,000
For Self and Family (all members below 60 years) + Senior Citizen Parents	₹25,000 + ₹50,000 = ₹75,000
For Self and Family (with the eldest member above 60 years) + Senior Citizen Parents	₹50,000 + ₹50,000 = ₹1,00,000

₹5000 for a preventive ‘health check-up’ is included in the above maximum limits.

The maximum that one can save under Section 80D (₹25,000) for those paying 5.20 per cent, 20.8 per cent and 31.2 per cent tax is ₹1,300, ₹5,200, and ₹7,800, respectively. This will exceed anything you can save under Section 80C of the Income Tax Act.

Please note: This deduction is available only if you opt for the old tax regime while filing your Income Tax Return. The premium amount must be paid through a non-cash mode (credit card, debit card, online payment, etc.).

How to Compare Family Health Insurance Plans?

We know this could confuse you if you’ve never bought health insurance online. But that’s why we’ve always kept our insurance simple, and here we’ll give you a basic guide on how to compare health insurance plans wisely and eventually make the right choice for you and your family.

Sum Insured: The Sum Insured is the maximum value your health insurance company will give you in case of a claim. So make sure you don’t just buy the cheaper plan just because the premium is lower—chances are, your sum insured will be less, too!
Real Benefits: Please read the policy terms and conditions before buying a plan. Many benefits look fancy, but when you get to their conditions, you may realize that claiming them is tough because of the ifs and buts associated with them.

Claim Settlement Record: Talk to your insurance company about how they are settling their claims. If the company is new, ask about the processes they follow for claim settlement.
Processes: As mentioned above, look at your insurance company's claim processes. New-age companies ensure that the processes eliminate paperwork as much as possible - and we all know that a seamless claim process only makes our lives so much easier!
Premium: Of course, this is something you will do. Yes, it is important to look at the premium and try to go not only for the most cost-effective one, but one that offers you valuable benefits at a justified price.

See less

How is the Premium Calculated for Family Health Insurance Policy?

Family Health Insurance Premium Calculator

So, how exactly do we calculate your family health insurance premium?

Age of you and your family members: As we age, the probability of certain diseases or conditions may increase, which is why we need to factor in the ages of both you and your family members.
Lifestyle: Certain habits or lifestyles may invite a higher risk of diseases or conditions, which affect your premium. But you need to declare everything about you or your family members honestly, as when a claim is made, the investigation will automatically show the cause of the illness or condition. If it is due to a habit that was not declared, like smoking or heavy drinking, then it may result in a claim denial.
Pre-existing Diseases or Conditions: If any condition, ailment or injury (applicable to you or any members of your family) for which there were signs or symptoms or which was diagnosed within 36 months before the first policy issued by the insurer or renewed continuously after that, you need to declare the same to the insurance company at the time of buying or renewing the policy.
Location: Different cities have different pollution levels, accident risks, medical costs, etc., so the premium may vary by the city you and your family live in.

Health Insurance Online Premium Calculator

Tips for a Healthy and Happy Life

Good health is everything. After all, it affects everything else in our lives. Here are some brief tips to ensure a healthy and happy life.

Eat a balanced diet: Our diets are responsible for 70% of our health. Therefore, always ensure you have enough fruits and vegetables and the right amount of protein, vitamins, healthy fats, carbohydrates, etc.
Drink lots of water: Your body needs it more than you think it does. A minimum of 8 glasses of water is a must.
Reduce salt and sugar intake in your diet or replace sugar with alternatives like jaggery and honey.
Exercise frequently: Even if you’re not going to the gym, you can incorporate small things into your daily life to ensure movement and flexibility. Take the stairs when you can, walk to nearby places, practice stretches, etc.
Keep a regular check on your health: Many times, we can never tell what’s happening inside our bodies. Therefore, make it a point to get an annual health checkup yearly.
Sleep well: We live in a world where we’re constantly stressed or occupied with something or the other. It's important just to switch off sometimes and get some rest. A healthy adult should get at least 7-8 hours of sleep daily. This will not only maintain your stress levels but will also ensure happier days.

Health insurance for your family isn't just a policy; it's a promise.

A promise that no matter what life throws your way, your loved ones are protected, your savings are shielded, and your future stays secure. It offers comprehensive coverage under a single plan, making it easier to manage healthcare needs for every member of the family. By choosing the right policy, you ensure financial security, timely medical care, and peace of mind for your entire household.

So why wait for a rainy day? Invest in family health insurance today and avoid emergencies later.

FAQs about Health Insurance Plans for Family

All

General

Coverage

Premiums

Eligibility

Claims

Renewability

Who should opt for a Family Floater Health Insurance?

A family floater health insurance is a health insurance plan wherein all family members share the sum insured amongst themselves. This works as a suitable plan for young couples and nuclear families.

What is the difference between individual and family health insurance plans?

Individual plan covers each family member with a separate policy and a separate sum insured. For example, a family of 4 (parents and two children). Each family member has an individual health insurance policy with a sum insured of ₹5 lakhs. If one person falls ill and uses up their ₹5 lakhs coverage, the rest of the family’s policies remain unaffected, each still having ₹5 lakhs coverage.

Family plan covers the entire family under one policy with a shared sum insured. Using the same family of 4, they opt for a family health insurance plan with a sum insured of ₹10 lakhs. If one family member falls ill and uses ₹5 lakhs, only ₹5 lakhs remains for the rest of the family for that policy year.

So, the key difference between the two is that individual plan has separate coverage limits for each member and family plan has shared coverage limit among all members.

Can I take an Individual Health Insurance for my family members?

Yes, you can. You have the option to either go for an Individual Health Insurance plan for each family member or take a Family Floater Plan to cover all members under one single plan.

Can I include my parents in my Family Floater Plan?

If your parents are above 60 years old, we have a separate plan designed for them. While you can buy their policy at the same time, the policy issued for them will be different than your family floater plan, i.e. they won’t be sharing the same sum insured as you and the rest of your family members.

Will my newborn baby be covered in my Family Floater Plan?

Newborn babies are only covered if you’ve opted for a Maternity Benefit and have completed the respective waiting period for the same. However, you can also add your child to your existing plan once he/she is born.

Can I switch from an individual policy to a family floater plan?

Yes, you can switch from an individual policy to a family floater plan. However, it depends on the insurer’s policies and procedures. Check with your insurer for more information.

What all is covered under Daycare Procedures?

Daycare procedures are basically treatments that don't need more than 24 hours of hospitalization anymore, thanks to technology! So this would include treatments like cataract, nasal sinuses, chemosurgeries and other such treatments. It doesn't include OPD consultations or dental treatments.

Does Day Care mean things like dental treatments and consultations will be covered too?

No, all of that is referred to as OPD and is not covered under Daycare Procedures. Daycare Procedures are basically treatments that need less than 24 hours of hospitalization cause thanks to technology, these treatments can now be done in lesser time.

What is the meaning of Refill Sum Insured?

Refill Sum Insured refers to a benefit we offer wherein, once you’ve exhausted your sum insured in one policy year, we can refill the same for you in case the need arises. The same is generally allowed only once in a policy year, for any unrelated illnesses.

What is annual sum insured?

Annual sum insured refers to the maximum amount we as an insurance provider can pay during one policy year. So, for example if your sum insured is 10 lakhs, that is the maximum claim amount we can compensate for during one year.

How many family members can be covered in a Family Floater Health Insurance?

You can cover your spouse and up to four children in your family floater health insurance.

Is 5 lakh enough sum insured when buying health insurance for a family?

The answer to the question ‘if ₹5 lakh sum insured is enough for a family health insurance’ depends on various factors like your family size, age, medical history, and the city you live in. It’s recommended that you opt for a ₹10 lakhs coverage for your family to adequately cover rising medical costs.

Is family health insurance tax-deductible?

Yes, premiums paid for family health insurance plans are tax-deductible under Section 80D of the Income Tax Act, 1961. This offers additional financial benefits.

Can I renew my family health insurance plan?

Yes, you can renew your family health insurance plan before it expires. Timely renewals ensure uninterrupted coverage for your family. To renew Digit’s family health insurance plan, login to your Digit account and renew the policy.

How can I add a family member to an existing policy?

To add a family member to your Digit health insurance policy, you can follow the process:

Contact Customer Support: Contact our customer support via the helpline or email to inform you about your intention to add a member.
Submit Required Details: Provide necessary documents such as identity proof, relationship proof, and the member's medical history to be added.
Fill Out Form and Pay for Member Addition: If applicable, complete the member addition form and pay the additional premium for the new member.

What factors influence the calculation of the premium of a family health insurance policy?

The factors that influence the premium of a family health insurance policy include -

Age of family members
Sum insured opted for
Location of residence
Medical history
Chosen riders

Are dental treatments covered under family health insurance?

No, not all family health insurance plans cover dental treatments. Some Out-patient Department (OPD) insurance covers dental treatments but it's usually not included in basic health insurance policies. An extra premium might be required if you want to add this to your insurance plan. Check the specific plan details with your insurer to know what's included.

How many members can be covered under family medical insurance plans?

Digit's family health insurance plans can cover up to 8 family members, including you, your spouse, up to 4 children, and either your parents (mother and father) or your in-laws (mother-in-law and father-in-law).

What happens to my policy if I forget to renew coverage on time?

If you forget to renew your health insurance policy on time, it will lapse. This means you will lose the coverage benefits, and any claims made after the lapse will not be honoured.

How much does a family health insurance plan cost?

The cost of a family health insurance plan varies based on factors like the sum insured, the number of family members, and their ages. For specific pricing, it’s best to use Digit’s online premium calculator.

Is there any waiting period for claims under a Family health plan?

Yes, there are different waiting periods depending on the claim type:

Initial Waiting Period: This is typically 30 days from the policy start date.
Pre-existing Diseases: There's a max 3-year waiting period for pre-existing conditions you disclosed while buying the policy.
Specific Diseases/ Procedures: Some illnesses or surgeries might have a 1-3 year waiting period.

Disclaimer: These durations can vary slightly based on the insurer and the specific terms of the policy, so it is always advisable to review individual policy documents for precise details.

What is the maximum number of claims allowed over a year?

You can make as many claims as you like in a year if the total amount doesn't exceed your Sum Insured (the maximum amount the policy covers per year).

Can I buy more than one family health plan?

Yes, you can buy more than one family health plan. However, it's generally not recommended as the insurance company might consider it over-insurance and deny claims.

Which documents are required to raise a reimbursement claim under family health insurance?

Digit likely outlines the required documents in your policy document. But generally, you'll need:

Hospital bills and receipts
Doctor's prescriptions and reports
Medical records (if applicable)
Photocopy of your ID proof
KYC and bank details (with a cancelled cheque)

Please note that the company might request you provide additional documents per your claim requirement.

How much does family health insurance cost for the self-employed?

The cost of family health insurance for a self-employed depends on various factors, such as your age, desired coverage amount, location, and chosen plan. To receive a family health insurance quote from Digit, you can visit our website and check for your family combination.

How long can a child stay on family health insurance?

Typically, children can stay on your family health plan until they reach a specific age, often 18 or 25 (depending on the plan). It's best to check your policy document for the exact age limit.

Can I add family members during the term of my family medical insurance policy?

Yes, you can add family members to your Digit family medical insurance policy at the time of policy renewal.

What is the Best Age to Buy a Family Health Insurance?

Honestly, the earlier, the better! That way, you’ll have a lower premium and cross the waiting period for select benefits. We live in a time when health issues are rising, and healthcare expenses aren’t getting any lower! Family Health Insurance won’t only protect you but all your family members under one single armour.

Read More about: Best Age to Buy Health Insurance

What are the myths about family health insurance?

Family Health Insurance is only for people who have senior parents
Family Health Insurance is only for those with diseases and existing illnesses
Family Health Insurance is only good for tax benefits
Only people without savings need a Family Health Insurance

What are the mistakes to avoid when buying a family health insurance policy?

Choosing a lower sum insured to save on premium
Not revealing existing habits and illnesses such as smoking, drinking, diabetes, etc.
Not taking a maternity cover early on when you have plans of having a family
Not customizing your health insurance plan according to you and your family’s needs
Not reading the policy terms and conditions properly

Can I get tax benefits on both family medical insurance and life insurance premium payments?

Yes, you can! Premiums paid for medical insurance qualify for tax benefits under Section 80D, while premiums of life insurance fall under Section 80C of the Income Tax Act. Thus, you can claim deductions for both every year.

Can a family medical insurance policy and a term insurance plan be bundled together for better benefits?

Yes, a family medical insurance policy and a term insurance plan can be bundled together in India. These combo plans offer convenience, potential cost savings, and simplified documentation. While health insurance covers medical expenses, term insurance provides financial protection in case of death; together, they offer comprehensive risk coverage.

Written By

Srishti Singh

Reviewed by

Vivek Chaturvedi

इस पेज को हिंदी भाषा में देखे

Did you find this content helpful?

Dissatisfied Very satisfied

Rated 4.9/5 by 1782 Users

Thanks for sharing your feedback!

More articles related to Health Insurance

Domiciliary Hospitalization Cover

Group COVID Insurance for SME's Industries & Companies | Digit

Health Insurance Tax Benefits for Senior Citizens

Mental Health Insurance

Air Ambulance Cover in Health Insurance

Health Insurance for Newborns

Claim Rejection vs Claim Repudiation in Health Insurance

Benefits of Critical Illness Cover

Health Insurance Glossary India: Terminology, Terms and Definitions

Senior Citizen Health Insurance

GMC and GPA in Health Insurance Policy

Coinsurance vs Copay vs Deductible

Myths about Health Insurance

Increase of Health Insurance Premium on Renewal

What is ABHA Card

What is Health Insurance?

0% GST on Your Health Insurance in India

Difference between Mediclaim and Health Insurance

Copay in Health Insurance

Pre & Post Hospitalization Expenses in Health Insurance

Health Insurance with Cancer Cover

Health Insurance for Vector Borne Diseases & COVID-19 Online

Life Insurance vs Health Insurance

Health Insurance for Vector Borne Diseases & COVID-19 Online

Indemnity Health Insurance

Health Insurance Plans for Family

Cooling-off Period in Health Insurance

Add-Ons in Health Insurance Policy

Consumables Cover in Health Insurance

Waiting Period vs Survival Period in Health Insurance

TPA in Health Insurance

Types of Health Insurance Plans

Difference Between Critical Illness and Health Insurance

Health Insurance for Parents

Reimbursement Claims in Health Insurance

What to do if you are tested Positive for COVID-19?

Health Insurance Non-Medical Expenses

Critical Illness Health Insurance Cover

Grace Period in Health Insurance

Waiting Period in Health Insurance

Road Ambulance Health Insurance

Nominee in Health Insurance

Health Tips & Guides

Anywhere Cashless Hospitals - Hassle Free Hospitalization Anywhere in India

Day Care Treatment in Health Insurance

Health Insurance Premium Calculator

Health Insurance for Disabled Person

Yoga Asanas & Exercises

Is Dental Covered in Health Insurance?

Zone Based Health Insurance in India

Health Insurance for Government Employees

Health Insurance for Smokers

Restoration Benefit in Health Insurance

Check Health Claim Status Online Instantly

Comprehensive Health Insurance

Compare Health Insurance

Coronavirus Cover: Health Insurance for Coronavirus Treatment

Health Insurance for Self Employed/Freelancer

Healthy Lifestyle

Types of Health Insurance Claims

Benefits of Health Insurance

Reason to Buy Seperate Health Insurance for Parents

Daily Hospital Cash Benefit in Health Insurance

FAQs about Digit Health Insurance

Health Insurance on EMI

Health Insurance for Mother

PED in Health Insurance

Health Insurance for Married Couple

Cashless Health Insurance

How to Port Health Insurance?

Health Insurance Tips

How Much Health Insurance is Enough in India?

Moratorium Underwriting vs Full Medical Underwriting

Government Health Insurance Schemes

Loading in Health Insurance

AYUSH Health Insurance Benefits

Health Insurance Tax Benefits

Super Top-up Health Insurance for Employees Retiring Soon

Personal Accident Insurance

Super Top-up Health Insurance for Senior Citizens in India - Check Prices

Sum Insured in Health Insurance

What is Long-term Health Insurance? Features & Benefits Explained

Individual Health Insurance

Term Insurance vs Health Insurance

Health Insurance for Diabetes Patients

Corona Kavach Policy: Buy COVID Kavach Health Insurance Online

File Health Claims Online on Digit App

Health Insurance After Retirement

Organ Transplant Cover in Health Insurance

List of Excluded Hospitals

Family Floater vs Individual Health Insurance

How to Choose the Right Sum Insured in Health Insurance?

Room Rent Capping in Health Insurance

How to Reduce your Health Insurance Premium?

Check Digit Health Insurance Claims Status on Digit App

11 Tips to Reduce Financial Risks with Health Insurance

Family Floater Health Insurance

Cumulative Bonus in Health Insurance

Download your Health e-Card

Health Insurance for Students

Wellness Benefits with Digit Health Insurance

Inpatient vs Outpatient Hospitalisation

Health Insurance in Popular Cities

Health Insurance with Free Medical Check Up

Deductible in Health Insurance

List of Excluded Hospitals

Maternity Health Insurance

Indemnity Based vs Fixed Benefits Health Insurance

Maternity Coverage with No Waiting Period

GHC

Health Insurance Bariatric Surgery Cover

Super Top up Health Insurance

Cataract Health Insurance

Health Insurance for NRIs

Best Health Insurance Policy

Corona Rakshak Policy Online: Health Insurance for COVID-19 in India

Arogya Sanjeevani Policy

Health Insurance OPD Cover

Coronavirus Health Insurance: COVID-19 Insurance Policy in India

Government Health Insurance Scheme

Health Insurance for NRI Parents

Exclusions in Health Insurance

Sub Limit in Health Insurance

Health Insurance for Disabled & HIV/AIDS Patients: Check Coverage and Benefits

Terminal Illness vs Critical Illness

Health Insurance Plan that Covers Infertility Treatments

Health Insurance Options for Retirees

Check Pending Challan only on Digit App

Install

Check Pending Challan only on Digit App

Renew & Download Policy Document, Check Challan, Credit Score, PUC & more

73K+ Reviews

4.8

Rated App

73K+ Reviews

16K+ Reviews

4.2

Rated App

16K+ Reviews

Download the App

Scan to Download

IRDA Licensed General Insurance Company in India - IRDAI Reg. No. 158

CIN: L66010PN2016PLC167410, IRDAI Reg. No. 158.

Go Digit General Insurance Limited | Corporate Office Address: Atlantis, 95, 4th B Cross Road, Koramangala Industrial Layout, 5th Block, Bengaluru 560095 | Registered Office Address: 1 to 6 floors, Ananta One (AR One), Pride Hotel Lane, Narveer Tanaji Wadi, Shivaji Nagar, Pune-411005, Maharashtra | Trade logo of Go Digit General Insurance Ltd. displayed above belongs to Go Digit lnfoworks Services Private Limited and is provided and used by Go Digit General Insurance Ltd. under license.

Buy Family Medical Insurance Policy Online in India

What is a Family Health Insurance?

Why Securing your Family's Health today matters more than ever?

Why do you need a Family Health Insurance?

Why Should You Take a Family Health Insurance Online?

What's Great About Family Health Insurance by Digit?

Key Benefits of Family Health Insurance by Digit

What’s Covered in the Family Health Insurance Plans Offered by Digit?

Add-on Options with Digit Family Health Insurance

What’s Not Covered in Family Health Insurance by Digit?

What is the Critical Illness Cover in a Family Medical Insurance?

99% Claim Settlement Ratio For Digit’s Health Insurance - FY 2024-25

Different Types of Family Health Insurance in India

Family Floater Health Insurance Plan

Individual Family Health Insurance Plan

Difference Between Family Floater vs Individual Family Health Insurance

Tips for Selecting the Best Health Insurance for Your Family

How to Choose the Right Sum Insured for Family Health Insurance?

Eligibility Criteria to Buy Health Insurance for Family

How to Buy Health Insurance Policy for Family Online?

Documents Required to Buy a Health Insurance for Family

Save Tax Through Family Health Insurance Plans in India in 2024

How to Compare Family Health Insurance Plans?

How is the Premium Calculated for Family Health Insurance Policy?

Read More about Health Insurance Tips for Family

Tips for a Healthy and Happy Life

FAQs about Health Insurance Plans for Family

Who should opt for a Family Floater Health Insurance?

What is the difference between individual and family health insurance plans?

Can I take an Individual Health Insurance for my family members?

Can I include my parents in my Family Floater Plan?

Will my newborn baby be covered in my Family Floater Plan?

Can I switch from an individual policy to a family floater plan?

What all is covered under Daycare Procedures?

Does Day Care mean things like dental treatments and consultations will be covered too?

What is the meaning of Refill Sum Insured?

What is annual sum insured?

How many family members can be covered in a Family Floater Health Insurance?

Is 5 lakh enough sum insured when buying health insurance for a family?

Is family health insurance tax-deductible?

Can I renew my family health insurance plan?

How can I add a family member to an existing policy?

What factors influence the calculation of the premium of a family health insurance policy?

Are dental treatments covered under family health insurance?

How many members can be covered under family medical insurance plans?

What happens to my policy if I forget to renew coverage on time?

How much does a family health insurance plan cost?

Is there any waiting period for claims under a Family health plan?

What is the maximum number of claims allowed over a year?

Can I buy more than one family health plan?

Which documents are required to raise a reimbursement claim under family health insurance?

How much does family health insurance cost for the self-employed?

How long can a child stay on family health insurance?

Can I add family members during the term of my family medical insurance policy?

What is the Best Age to Buy a Family Health Insurance?

What are the myths about family health insurance?

What are the mistakes to avoid when buying a family health insurance policy?

Can I get tax benefits on both family medical insurance and life insurance premium payments?

Can a family medical insurance policy and a term insurance plan be bundled together for better benefits?