Health Insurance plan for family

Keep your family protected 24/7 from life’s certainties with a health insurance policy for family

What is Family Health Insurance Plan

We all strive to safeguard our families from unforeseen medical emergencies. Unfortunately, in reality, only a few of us have the right health insurance policy when it comes to battling huge medical bills incurred due to a family member’s treatment or hospitalisation. To tackle such emergencies, it could be beneficial if you have your family members insured through a health insurance plan. There are two ways to go about it – either insure each member of your family individually or buy a health insurance plan for family that covers every member of your family under a single insurance policy.

Unlike an individual health insurance policy, which covers and is restricted to only one member, a family health plan covers your entire family on a single premium. Meaning, you don’t have to pay premiums separately for every individual of your family.

If you are planning to buy the best health insurance plan for family, try Navi Health Insurance. Navi offers a comprehensive health insurance plan with which you can sign up either for an individual health insurance plan or a health insurance for family in minutes. Navi health Insurance provides cover for self, legal spouse, dependent children, parents and/or parents-in-law. The benefits include cashless claims in over 10,000 network hospitals, super-fast claim settlements, cover for pre-and post-hospitalisation medical expenses, and more.

Benefits of Family Health Insurance

Features & Benefits of Family Health Insurance Policy*

What’s great about Navi Health Insurance family health insurance or family floater plan you ask? Here’s what we have in offer:
We have a network of 10,000+ hospitals in which you can opt for cashless claims for the expenses incurred. You don’t have to pay anything to the hospital from your pocket. Navi will take care of the expenses on your behalf.
No heavy paperwork required. From buying the health insurance plan to filing cashless claims – everything is paperless. All you need to do is download the Navi app to sign up.
Get rewarded with cumulative or No Claim Bonus for every claim-free year. For instance, if you don’t file any claims for any of your family members in a policy year, a percentage of the insured amount gets carried forward to the next policy year.
Get additional sum insured for inpatient care treatment of accidental injury that was sustained by the insured person solely and directly due to a road traffic accident.
Enjoy flexible repayment options of up to 72 months
Get automatic restoration of up to 100% of the base sum insured as specified in the policy document in a policy year.
Get adequate cover for your family – from ₹2 lakh to ₹1 crore and enjoy the flexibility to pay your premiums in EMIs starting at ₹235/month.
A unique benefit just for you! If you walk an average of 4000 steps per day for a minimum of 250 days, we provide an additional discount of 5% on your premium at the time of policy renewal.
*Terms and Conditions Apply

Health Insurance Policy Inclusions

100% Hospital Bill Covered

100% Hospital Bill Covered

We cover your entire hospitalisation bill along with other related medical expenses from 90 days before to 180 days after hospitalisation

Pre and Post Hospitalisation

Pre and Post Hospitalisation

With Navi Health Insurance Plan, you get comprehensive medical coverage 90 days before hospitalization and 180 days after

Hospitalisation at Home

Hospitalisation at Home

Get medical treatment at home for 3 or more days due to patient’s adverse health condition or unavailability of hospital bed

Unlimited Online Consultations

Unlimited Online Consultations

You can get unlimited online doctor consultations with the top doctors of the country at to additional cost

Additional 100% Sum Insured for Accidental Injury

Additional 100% Sum Insured for Accidental Injury

For road accident injuries, we provide additional 100% sum insured once existing sum insured amount is exhausted

Organ Donor Expenses

Organ Donor Expenses

We cover organ donor’s hospitalisation cost

Air Ambulance

Air Ambulance

Get up to ₹5 Lakh for emergency transfer via air ambulance

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

Complimentary Health Checkups

Complimentary Health Checkups

A complimentary health checkup once in every policy year for members older than 17 years

Maternity Benefits

Maternity Benefits

Additional coverage up to ₹30,000 for up to 2 deliveries/lawful termination of pregnancy after a 3-years waiting period

New Born Baby Benefits

New Born Baby Benefits

Hospitalisation expenses of up to ₹10,000 for newborn baby within 90 days of birth

Health Insurance Policy Exclusions

Dental Treatment

Any planned dental treatment is not covered under the health insurance plan

Eye Treatment

Any planned eye-treatment is not covered under the health insurance plan

Alcoholism/Drug

Any health complications caused by alcoholism or drug abuse aren't covered under the health insurance policy.

Alcoholism/Drug

Why Do You need Family Health Insurance Policy?

A family health insurance policy safeguards your family in times of medical emergencies. Here’s why you need one:

Stay Financially Protected

Medical costs are on the rise. A family health insurance policy can help you protect your savings from the huge medical bills incurred due to a family member’s hospitalisation or medical expenses.

Covers Your Entire Family

A mediclaim policy for family is designed to safeguard your family during any medical emergencies. Unlike an individual health plan, you get to insure all your family members under one plan and on a single premium.

Affordable Premiums

For family health insurance policy, you don’t have to pay premiums for each insured member; just paying a single premium would do. This makes a family insurance plan a cost-effective alternative to individual plans.

Claim Tax Benefits

Get tax benefits on your insurance premium under section 80D of the Income Tax Act and save on your tax outgo.

Stay Protected from Lifestyle Diseases

Our lifestyle has changed rapidly. This has led to the increase of lifestyle-related diseases. A family health insurance policy keeps you financially protected from expenses incurred due to the treatment of such diseases.

How to Buy a Family Health Insurance Plan for Family

Planning to buy a health insurance plan for family? Try Navi Health Insurance. Get maximum benefits with affordable premiums. No heavy paperwork required. Just download the Navi app to sign up.

Follow the steps below to buy Navi Health Insurance:

Download the Navi app from Play Store or App Store
Our insurance advisor would ask you a few simple questions
Get an instant quote based on your personal and health details
You have the option to pay your insurance premium in EMIs starting at ₹235 per month
Get instant access to all policy-related documents

How to Apply For Family Health Insurance?

Network Hospitals

Manipal Hospital

Aster Hospital

Manipal Hospital

Aster Hospital

How to File Insurance Claims with Navi?

How to File Claim for Family Health Insurance Plan

  1. Select your admittance date
  2. Visit your nearest Navi network hospital
  3. Go to the insurance help desk and provide the following details
  4. Keep your policy document and ID proof ready for reference
  1. Select your admittance date and hospital
  2. Upload all the medical documents on the Navi App
  3. Track your claim with our claims tracker
  4. You will be notified once your claim is approved

How to Choose the Right Insurance for Yourself?

Sum Insured

Considering the rising medical costs, try to buy a policy that provides adequate cover. A policy with a low coverage amount may not be sufficient for you and your family. Navi Health Insurance offers health cover up to Rs.1 crore*

Cashless Settlement

Insurance companies have tie-ups with hospitals, commonly known as network hospitals. Check if your insurer provider has a long list of network hospitals. You can get cashless claims in 10,000+ network hospitals with Navi Health Insurance

Claim Settlement Process

Every insurer looks forward to a hassle-free claim settlement process and every quality insurance company strives to maintain an excellent claim settlement ratio. With Navi Health Insurance, claim settlement is a breeze

Affordable Premium

There should be a balance between insurance cover and premium. Considering affordability as a major factor, we have introduced insurance premium payments in EMIs. Our insurance premium EMIs start at just Rs.235/month*

Know Your Requirement

Your requirements can include the sum insured, how many members you are planning to add, the ailments you want to be covered, etc. Understand your requirements and purchase a policy to maximise on policy benefits

Waiting Period

Waiting period is the time span during which you cannot claim some or all of the benefits of your policy. It is crucial to know the waiting period for various ailments mentioned in your policy to make an informed decision.

Top Hospitals In Cities

Manipal.c463cdb4

Manipal Hospital

Apollo.62f06b3b

Apollo Hospital

Fortis.2673ea86

Fortis Hospital

Max.8013c6e1

Max Healthcare

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What our customers say about us

My whole claim experience was hassle free & very good, both during admission and discharge time. I have already recommended Navi Health Insurance to many friends & will continue doing so.
The best thing about Navi Health insurance was completely paperless buying experience and great customer support. I found Navi health insurance to be most affordable policy with amazing benefits
I was happy with the overall claim experience. Most important part was it was cashless and I got quick response by Navi team. Will definitely recommend Navi Health Insurance to family and friends!

Frequently asked questions

The sum insured is the amount that the insurance company pays to you in the case of an unforeseen medical emergency, such as hospitalisation. The amount paid by the insurance company depends on the medical cost incurred by the insured and is subject to terms and conditions.
If you’ve been safe and healthy and have had no claims made in a policy year, you would be eligible for a cumulative bonus of 25% or 50% of the sum insured at the time of policy renewal up to a maximum of 100% of base sum insured depending upon your plan. This cumulative bonus increases your sum insured without any premium increase.
In the case of co-pay, the insured person has to pay a share of the hospitalisation expenses from their pocket. Navi offers you no co-pay coverage, which means we pay 100% of your hospitalisation up to the sum insured, subject to terms and conditions.
A family health insurance policy provides coverage to your entire family while an individual health plan offers health cover only to the insured person. In a family insurance plan, you can insure your legal spouse, parents and dependent children on a single premium, under one plan. However, such is not the case with an individual health cover. For an individual health insurance policy, you pay the premium only for one person/individual.
Waiting period refers to the time period during which you cannot claim insurance benefits. Every insurance policy comes with an initial waiting period, which is usually less than a month. However, for pre-existing diseases, the waiting period could be more. Waiting period for pre-existing diseases could extend up to 3 years. Please refer to your policy schedule to know the exact waiting period for pre-existing illnesses.
There’s no limit or cap as such on the number of claims as long as you have the balance sum insured. Balance Sum Insured means the remaining policy’s sum insured amount after a claim is made.
Any hospital that has an agreement with the insurance provider and offers cashless treatments is known as a network hospital. Navi has over 10,000 network hospitals across India offering cashless treatments.

Consider the following factors while choosing the best family health insurance plans in India:

  • Sum insured
  • Waiting period
  • Copay clause
  • Network hospitals
  • Policy premium
  • Medical/hospitalisation expenses covered

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