Family Health Insurance

Family health insurance, or family floater, is a health insurance policy that provides medical insurance coverage to the whole family under a single plan. It comes with a single, shared sum insured that covers your spouse, children, parents, or parents-in-law.

Covering the healthcare needs of every family member individually can be expensive. A family floater health insurance plan helps you protect your entire family with one affordable policy.

TATA AIG offers comprehensive and customisable family floater plans with benefits such as preventive checkups, maternity coverage, automatic restoration of sum insured, and cashless hospitalisation everywhere.

We also offer special discounts for adding multiple members and young families.

Explore how our family health insurance plans work:

When you have to care for a family, having an effective health insurance plan covers planned, unplanned and preventive medical expenses. Know why your family needs health insurance:

Reason 1: Healthcare Needs for Multiple People

Covering the healthcare needs of multiple family members is complex and expensive. A single family health coverage plan can cover up to 7 members or more, and is easier to manage than multiple plans.

Reason 2: Deals with Medical Inflation

Costs of medical treatment, medicines and specialist fees have been growing at a 12-13% rate between 2024 and 2025. To provide medical care for multiple persons, having a health insurance plan is highly advisable.

Reason 3: Offers Flexibility and Customisation

Family floater plans are fully customisable, allowing you to include add-ons for maternity expenses, critical illnesses, and OPD treatment based on your family’s needs. Add or remove members and modify coverage as your family grows.

Reason 4: Helps Treat Lifestyle Diseases

Non-communicable diseases, such as diabetes, asthma, thyroid disorders and heart diseases, account for 60% of deaths in India. As lifestyle illnesses become more prevalent, your family faces a higher risk and requires family health coverage.

Reason 5: Provides Premium and Tax Savings

A single family floater plan is more affordable than multiple plans for each member. They also unlock special discounts for multiple and younger members, lowering your expenses. You can also get tax benefits for paying health insurance premiums.

TATA AIG offers the following family healthcare plans to help secure your loved ones:

1. Comprehensive Medical Coverage

Our family plans ensure complete coverage for your family under a single plan. It covers everything from hospitalisation, daycare and AYUSH expenses to ambulance charges and health checkups.

2. Easy Cashless Treatments Anywhere

Any family member can get quick, seamless and quality treatment from one of our 15,000+ network hospitals. Our cashless health insurance plans for families are also available at non-network hospitals, ensuring your family can get treated anywhere.

3. Substantial Family Floater Discounts

You can lower health insurance premiums by 22%-32% based on the number of included family members. We also offer up to 10% savings for long-term plans and a 10% discount for young family members (all members covered under the policy are below 40 years of age).

4. Maternity and Newborn Coverage

Coverage for maternity expenses is available as an in-built cover under MediCare Premier and as an add-on under MediCare Select. This maternity insurance covers childbirth expenses, including caesarean sections, delivery procedures and first-year newborn vaccinations.

5. Cumulative Bonus for Your Family

You can increase medical insurance for your family at no cost with a cumulative bonus. For every claim-free year, your coverage increases by 50%, up to 100% of the sum insured.

6. Automatic Restoration Benefit

If the shared sum insured gets used up, our automatic restoration benefit ensures that your family enjoys continued medical coverage. Depending on the plan, it restores the base sum insured and cumulative bonus.

What's Covered

• Inpatient Treatment: Hospitalisation expenses including room rent, nursing fees, ICU charges and doctor’s fees.
• Pre- and Post-Hospitalisation: Covers medical expenses for a certain number of days before admission and after discharge.
• Daycare Procedures: Covers expenses for daycare procedures listed under the policy schedule that take less than 24 hours of hospitalisation.
• Maternity Care: Covers maternity expenses, delivery complications and first-year newborn vaccinations.
• Domiciliary Treatment: Pays for medical treatment taken at home under a doctor's supervision that would otherwise require hospitalisation.
• AYUSH Cover: Inpatient and daycare treatments related to Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homoeopathy.
• Global Cover: Reimburses inpatient hospitalisation and daycare expenses for treatments taken abroad, but diagnosed in India.
• Consumables Benefit: Pays for medical consumables used during hospitalisation or for a surgery.
• Ambulance Charges: Covers ambulance charges up to the specified limit for hospital admission and hospital-to-hospital transfers.
• Preventive Health Checkups: Pays for medical screening tests up to the specified limit.
• OPD Care: Pays for outpatient department consultations, medical expenses and dental treatment.
• Wellness Services: Provides teleconsultation and ambulance booking services through our empanelled service provider.

What's Not Covered

• Substance Abuse: Injuries or illnesses caused by alcohol or drug consumption.
• Cosmetic Surgery: Treatment for plastic or cosmetic surgeries, gender change treatment and surgery.
• Self-Harm: Treatment for self-inflicted injuries and attempted suicides.
• Congenital Defects: Treatment for congenital external diseases, defects and anomalies.
• Unproven Treatments: Any treatment, service, or medication that is not medically proven to be safe or effective.
• Obesity and Weight Control: Does not cover surgery or medical treatment of obesity unless required by doctor’s advice.

Disclaimer: The above list of inclusions and exclusions is not exhaustive and subject to terms and conditions. Please read the policy documents to get the full details.

If your parents are healthy and do not have any pre-existing medical conditions, adding them to your family health plan is a cost-effective option.

However, if they have pre-existing conditions, chronic diseases or a critical illness, buying a separate individual policy will provide dedicated coverage, and their claims do not affect the sum insured available for the rest of the family.

Check the table below to understand the merits and demerits of adding your parents to a medical insurance plan for a family:

Check the minimum family health cover required in different situations:

The eligibility criteria for each TATA AIG family health insurance plan are different. Below are the highest applicable eligible criteria across our family floater health insurance plans:

Please note: The eligibility criteria vary across different plans. Please refer to your policy document for exact details.

Choose the best plan by considering the following factors:

How to Buy a Family Plan

1. Scroll to the top of this page and select ‘Want to Buy Insurance’.
2. Enter the number and details of family members you want to include.
3. Provide the required details, such as date of birth, mobile number and PIN code.
4. Check the available plans and make your choice. Enter the sum insured and tenure, and include add-ons as required.
5. Review the premium quote and pay the premium to buy health insurance for your family.

How to Renew a Family Plan

1. Find the ‘Renewal’ menu at the top of this page and select ‘Health’ from the dropdown options.
2. Input your existing policy number and click on ‘Renew’.
3. Assess the existing policy details and modify the coverage terms as needed. Include any add-ons required by your family.
4. Pay the revised premium amount to renew your family health insurance plan.

Documents Required

• Identity proof (Aadhaar, passport, driving licence, etc.)
• Proof of address (Aadhaar, voter ID, passport, etc.)
• Age proof (Aadhaar, birth certificate, passport, etc.)
• Income statement (bank passbook, salary slips, etc.)
• Medical documents (medical records, prescriptions, etc.)
• Previous policy documents (for renewals)

Cashless Claim Process

For Emergencies

1. Inform TATA AIG about your emergency hospitalisation as soon as possible by calling our 24/7 helpline (022-6489-8282).
2. File and submit a cashless claim form within 24 hours of your hospital admission.
3. Submit the necessary documents, including health card, policy documents and identification.
4. Wait for us to verify your claim and send an authorisation letter to the hospital.

For Non-Emergencies

1. Send the cashless claim at least 48 hours before your planned treatment via the claims portal, email or letter.
2. Wait to get a confirmation letter from us after we complete the verification process.
3. Upon arrival at your selected hospital, submit the confirmation letter and your health card.

Reimbursement Claim Process

1. Get medical treatment, pay your hospital bills and gather all important documents before your discharge.
2. Submit the duly filled reimbursement claim form with documents, such as hospital bills, receipts, prescriptions and policy documents.
3. Wait till we verify your claim and documents, and send the reimbursement amount to your account.

Documents Required

• Original hospital bills and receipts
• Discharge card signed by the hospital
• Medical investigation report
• Original pharmacy bills and prescriptions
• Receipts and bills for doctor’s consultations
• Medical certificate signed by a registered doctor
• List of hospital consumables signed by the doctor
• Duly filled and signed claim form
• Copy of policy documents
• Any other documents as required by us or the TPA

Use the table below to know whether you need individual health insurance or a family floater plan.

Section 80D of the Income Tax Act lets you claim tax deduction benefits on premiums paid for medical insurance for families. You can further increase your tax savings by claiming additional deductions on your parents’ health insurance premiums.