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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.Â
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.
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?
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
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.
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.
Exclusive Wellness Benefits like Home Healthcare, Tele consultations, Yoga and Mindfullness and many more available on our App.
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. .
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!
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..
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.
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!
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.
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.
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.
Get reimbursed for the expenses of road ambulance, in case you are hospitalised.
This cover is for all expenses before and after hospitalisation such as for diagnosis, tests and recovery.
Other Features
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.
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.
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.
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!
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.
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.
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.
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.
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?
Pre-Natal & Post-Natal Expenses
Pre-natal and post-natal medical expenses are not covered, unless they lead to hospitalisation.
PED Before Waiting Period
In case of a pre-existing disease, unless the waiting period is over, the claim for that disease or illness cannot be made.
Hospitalisation without Doctor’s Recommendation
Any condition you get hospitalised for that doesn’t match the doctor’s prescription is not covered.
What is the Critical Illness Cover in a Family Medical Insurance?
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:Â 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:Â 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
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.
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
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
✔ Aadhaar CardÂ
✔ PAN Card
 ✔ Passport
 ✔ Voter ID
 ✔ Driving License
✔ Birth Certificate
Address Proof
✔ Passport
✔ Utility Bills (Electricity, Water, Gas – recent)
✔ Rental Agreement
Income Proof
✔ Income Tax Returns (ITR)
✔ Form 16
Previous Medical Reports (If any)
KYC Documents
✔ PAN Card (for financial verification)
✔ Aadhaar Card (for identity and address verification)
✔ Photograph and bank details (optional)
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.
₹5000 for a preventive ‘health check-up’ is included in the above maximum limits.Â
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.
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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.
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How is the Premium Calculated for Family Health Insurance Policy?
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:Â 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.
Read More about Health Insurance Tips for Family
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
Senior Marketing Associate
Srishti is a skilled content writer with 4+ years of experience in the insurance world. She simplifies tricky terms, explains policies clearly, and writes content that instantly connects with customers. Her skills make insurance easy to understand and truly helpful for everyone.
Chief Marketing Officer
Vivek comes with over 15 years of experience across different industries like FMCG, e-commerce and insurance. His expertise in the online space and consumer behaviour understanding is bringing new insights to Digit in making insurance simple.