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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 Floater Health Insurance Policy Online in India

Your family’s health is your most cherished treasure, isn’t it? However, managing healthcare for everyone can sometimes feel overwhelming. That’s where a family floater health insurance plan steps in to simplify things.

Instead of juggling multiple policies, covering all members under one, brings peace of mind. It’s an affordable and efficient way to secure your family’s well-being while protecting your finances.

After all, having family floater insurance is the perfect way to say, “Apno ka khyaal, Suraksha ke saath” 😉

Team Digit

What is Family Floater Health Insurance?
Need of Family Floater Health Insurance
Family Floater Health Insurance Features
What is Covered & Not Covered?
How Does it Work?
How to Buy Family Floater Health Insurance?
How to File a Claim?
Benefits of Family Floater Health Insurance
Individual Vs Family Floater Health Insurance Plan
Factors to Consider Before Buying
Frequently Asked Question

What is Family Floater Health Insurance?

Family Floater Health Insurance is a type of health insurance plan that offers coverage for all members of a family under one policy. Instead of individual health insurance policies for each family member, a family floater policy combines the total sum insured, which can be utilized by any member when the need arises.

This plan is an efficient and cost-effective way to protect the health of your entire family with a single premium.

Family Floater Health Insurance Simplified

Imagine one policy covering your entire family, just like a big protective umbrella!

Yes, the Family Floater Policy covers everyone under Umbrella, providing coverage to each member. The premium is cost-effective, as it is a ONE-TIME premium for all family members.

Watch this video to know how it works, why it’s cost-effective, and how it keeps your loved ones safe under one shared sum insured.

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.

Why Do You Need a Family Floater Health Insurance?

Medical emergencies can arrive anytime in a family to anyone, leaving a significant loss in your savings. That’s where you will know why having a family floater health insurance plan is necessary. Here are a few reasons why you must have a family floater mediclaim policy:

Family Floater Health Insurance Plans in India

Features of Family Floater Health Insurance

Shared Sum Insured: The most striking feature of the Family Floater mediclaim policy is that it offers a shared sum insured in health insurance. This umbrella of the sum insured in health insurance covers all family members under a single policy. Any family member can utilize the total coverage amount in case of hospitalization or medical treatment.
Network Hospitals: Health insurance provides access to an extensive network of hospitals where policyholders can avail of cashless treatment. The convenience of cashless transactions ensures a smooth and stress-free hospital experience.
Room Rent: Family Floater plans usually cover room rent expenses incurred during hospitalization. The coverage amount for room rent may vary based on the sum insured and the specific plan chosen.
Co-Pay: Some Family Floater Health Insurance plans may include a co-payment clause, in which the insured is required to bear a certain percentage of the medical expenses while the insurer covers the remaining portion.
Medical Examination: Family Floater Health Insurance plans might require a pre-policy medical examination, especially when a higher sum insured, higher-age members, or members with medical histories are involved.
Add-Ons: Family Floater plans often include optional add-ons or riders that policyholders can customize to suit their needs. Some popular add-ons include critical illness cover, maternity cover, and accidental disability cover.

What’s Covered in the 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

Health Insurance Add-on Options with Digit

Add flexibility to your 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?

Key Benefits of Family Floater 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 10+ Wellness Partners
City Based Discount	Up to 10% Discount
Worldwide Coverage	Yes*
Good Health Discount	Up to 5% Discount
Consumables Cover	Available as an Add-on

*Available only on Worldwide Treatment Plan

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.

What Our Customers Have to Say about Us

See All Reviews

Complementary Wellness Benefits for Digit’s Health Insurance Customers

With your Digit Health Insurance, you also get exclusive access to a wide range of wellness perks, making taking care of yourself easier and more affordable:

How Does a Family Floater Health Insurance Work?

To understand how Family Floater Health Insurance works, let's consider the example of Mr. Aditya's family. He wanted to buy a family health insurance that provides coverage for each family member. So, he purchased a Family Floater Policy with a sum insured of INR 10 lakhs.

Here are the family members' details of Mr. Aditya:

Mr. Aditya (Age: 35) - Primary Insured
Mrs. Ruchi (Age: 32) - Spouse
Aryan (Age: 9) - Son
Riya (Age: 6) - Daughter

One day, Aryan falls ill and requires hospitalization for a medical condition. The total medical expenses incurred during his treatment amount to INR 2 lakhs.

The family has a coverage of INR 10 lakhs. Since Aryan's medical expenses amount to INR 2 lakhs, the insurer covers this expense from the shared sum insured. After Aryan's treatment, the remaining sum insured of INR 8 lakhs is available for the medical needs of other family members, including Mr. Aditya, Mrs. Ruchi, Riya and even Aryan again (if the requirement arises).

How to Buy/Renew Health Insurance Policy Online?

Buying or renewing a health insurance policy online is now as easy as booking a movie ticket. 🤩 With just a few clicks, you can compare different plans, customise your coverage, and ensure continued financial security in medical emergencies. Follow these simple steps to buy or renew a health insurance plan:

Buy Health Insurance

Renew Health Insurance

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.

Visit the Digit website or app, log in using your registered mobile number and navigate to the ‘My Policies’ section.

Review Policy Details

Choose the health insurance policy that needs renewal and review your policy details. Modify if required.

Make Payment

Proceed to pay the renewal premium securely online via UPI, net banking, credit/debit card, etc.

Get Renewal Confirmation

Once payment is successful, you will receive a renewal confirmation and updated policy details via email and WhatsApp.

Documents Required to Buy a Health Insurance Online

When purchasing a 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

How to Download Your Health Insurance Policy Document via the Digit App?

After purchasing a health insurance policy, it is essential to download and keep a copy for future reference. With us, you do not need to carry hard copies of your insurance policy. You can simply download it from our website. 🙂 Follow these simple steps to download your policy document from the Digit website or app:

Visit the Digit website or app and click on ‘Login’ at the top-right corner. Enter your registered mobile number and verify with OTP.

Visit ‘Active Policies’

Once logged in, navigate to the Active/My Policies section. Here, you can check the policy number, end date & start date.

Download the Policy

Done! You can save, share, print or email the policy for future reference anytime, anywhere.

How to File & Track Health Insurance Claim with Digit?

Are you thinking of how to file a health insurance claim? Well, if you are filing for a cashless claim, confirm if your hospital is in Digit’s Network list. Inform Digit in time, submit the pre-authorisation form via the hospital, and enjoy cashless treatment! 🙂 Here are the steps to file and track a claim:

File a Claim

Track Claim Status

Get Treated & Save Everything

Visit any hospital, pay the bills upfront, and collect all the necessary documents (bills, reports, prescriptions, discharge summary, etc).

Open Digit App & File Claim

Log in to the Digit App. Navigate to the ‘File a Health Claim’ section on the app. Choose the policy & type of claim you are filing and other details.

Submit all the Documents

Fill out the type of treatment, symptoms, hospital details etc. Scan and submit all the necessary documents in the desired format.

Click ‘Register Claim.’ We’ll review everything, and once approved, the amount will be reimbursed directly to your bank account.

Fill in the Details

Enter all the essential Details about your policy, such as policy number, name, DOB and proceed further.

Get Instant Updates

That’s it! You’ll see all the updates and details right there on your screen.

Digit’s Health Insurance Claim Numbers for FY 2024-25

75% of Cashless Health Claims Approved in Just 30 Minutes at Digit

At Digit, in the second half of FY25, the average turnaround time (TAT) for pre-authorisation of health insurance cashless claims was a speedy 26.93 minutes. Even better? Over 75% of requests were approved within 30 minutes, making the process feel almost instantaneous.

Of course, some requests, around 3.3% took a little longer (over 60 minutes), mainly because they needed extra info or clarification from hospitals or customers.

65% Cashless Discharge Approved in Just 60 Minutes at Digit

At Digit, in the second half of FY 2024-25, the average turnaround time (TAT) for hospital discharge approval in our health insurance was 58.95 minutes. Notably, 65% of discharge requests were completed within 60 minutes, ensuring patients aren’t left waiting once their treatment is finished.

While only 1.3% of cases extended beyond three hours, typically due to complex queries or pending clarifications.

Almost 70% of Reimbursement Claims Settled in Just 2 Days

Not every hospital is part of a cashless network, and that’s where reimbursement claims come into play. Once all documents are submitted, the average turnaround time for processing a reimbursement claim at Digit in FY 2024-25 was just 2.43 days.

Nearly 70% of claims were settled within two days, providing quick relief to policyholders who initially had to pay out of pocket. While about 4.5% of claims took over a week to settle, usually due to missing documents or follow-up queries, the process is largely smooth and customer-centric.

1.1 Lakh+ Claims Registered Quickly with Smart Health Claim Bots in FY 2024-25

At the heart of smooth insurance experiences lies something you never see!! 😁

At Digit, our Health Claims Bots and Bulk Policy Issuance are quietly reshaping the way claims get processed. These smart systems fetch real-time data directly from the partner, eliminating manual uploads, reducing errors, and speeding up approvals for claims. In FY 2025 alone, they registered over 1.1 lakh claims, cutting down processing time.

No breaks and no delays. Fewer forms and faster care! ☺️

Digit Settled 9.16 Lakh Claims in FY 2024-25

The data below is for all the products as given in the table below:

9.16 Lakh Claims Settled

Digit settled 9.16 lakh claims in FY 2024–25. Of the total, 2,18,082 were health-related claims, including travel and personal accident, each one settled with care, not delay. Behind each of those claims was an unexpected moment, an accident, an illness, a trip gone wrong, and every time, we showed up.

Because when life takes a sudden turn, your insurance should move forward, not hold you back.

₹4,622 Crore Paid in Claims

At Digit, protection isn’t a promise; it’s an action. In FY 2024–25, we settled claims worth ₹4,622 crore, stepping in when our customers needed us most. Out of the total, ₹1,374 crore was paid towards health insurance claims alone, proof that when it comes to care, we are always there.

Quick settlements, zero confusion, and absolute peace of mind.

Individual Health Insurance Plan Vs Family Floater Health Insurance Plan

Confused about whether to choose individual health insurance or family floater for all of your family members? Well! Understanding the differences between the both can help you make an informed decision for the financial security of your family along with peace of mind:

Point of Comparison	Individual Health Insurance	Family Floater Health Insurance
Definition	Individual health insurance is a type of health insurance plan in which only one person can be covered. This means that both the health insurance premium and the sum insured are dedicated to one person only and cannot be shared.	A family floater health insurance plan is a type of health insurance plan in which you and your family members share one plan. This means your health insurance premium and sum insured would be shared amongst all members.
Coverage	This plan only offers coverage to the single individual insured in this plan. For example, If you’ve taken a plan of SI Rs 10 Lakhs, you alone will have up to 10 Lakhs to benefit from for the entire policy period.	This plan offers coverage to all family members insured in the plan. For example, if your plan SI is Rs 10 lakhs, then the entire family will have to share this amount for the policy period.
Advantages	The biggest benefit of an individual health insurance plan is that the coverage is a lot more extensive since every individual has their own sum insured, unlike a family floater where the sum insured is shared amongst all insured in the plan. This especially works out well for senior parents.	The biggest benefit of a family floater plan is that the health insurance premium is cost-effective, as it is a one-time premium for all family members.
Disadvantages	The single disadvantage of Individual Health Insurance is that one will have enough to cover them in one policy year. Additionally, even if they haven’t claimed during the year, they can benefit from a No Claim Bonus 😊	One of the main disadvantages of a family floater plan is that the sum insured may not be enough for all family members.
Example	A 30-something working woman takes an Individual Health Insurance plan for herself and her senior father. She takes an individual plan, each of up to SI 5 lakhs. This means she and her father will have 5 lakhs each to cover their health needs throughout the year.	A couple with two kids chooses to go for a family floater health insurance plan; under these all four members will have to share the total sum insured amongst themselves. For instance; if they’ve taken a plan of SI 5 lakhs, then they can only use up to 5 lakhs for all their health claims during the year.
Preferred Choice	An 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 & Recommendations	If you’re going for an Individual Health Insurance plan, make sure you opt for relevant add-ons for every member. For example, if you’re taking an individual plan for your parents, then the critical illness add-on would be a recommended add-on to include in your plan.	If you’re going to opt for a family floater plan, then opt for a higher sum insured since you’ll need to make sure that the total sum insured is sufficient for all family members.

Important Factors to Consider Before Buying Family Floater Health Insurance

Choosing the right health insurance plan for your family can feel like a hectic process, but by considering some essential factors, you can select the best family floater health insurance. Here are some important factors you must consider:

In conclusion, a family floater health insurance plan isn’t just a policy—it’s a commitment to your loved ones’ well-being. Covering everyone under one plan offers financial stability, peace of mind, and the reassurance that your family’s health is always prioritized.

“It is more than just an insurance! It’s a promise of security for your family’s well-being.”

FAQs about Family Floater Health Insurance Plan

All

Can I Include Extended Family Members in a Family Floater Plan?

Family Floater Health Insurance typically covers the immediate family, including spouse, children, and parents. Extended family members are usually not eligible for coverage under this policy.

Can I get individual health insurance for my family members?

Yes, you can get individual health insurance for your family members. You can 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?

Yes, you can include your parents in the family floater plan if they are under 60 years old. If your parents are over 60, we have a separate plan designed for them as a Senior Citizen Health Insurance Plan. While you can buy their policy at the same time, the policy issued for them will be different from your family floater plan.

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 Increase the Sum Insured During the Policy Term?

Yes, we offer the flexibility to increase the sum insured at the time of policy renewal or during specific events such as marriage or childbirth.

What does a shared sum insured mean in family floater policies?

If there is a shared sum covered, any family member in need can access the entire coverage amount. It simply means that all the members share the sum insured in a policy included in the policy. This adaptability maximizes the use of the insured amount according to specific needs.

Do individual health insurance policies cost more than family floater plans?

Yes, individual health insurance policies cost more than family floater plans because family floater policies combine all of the family members' risks under one policy. They are frequently more affordable and cheaper. When you buy separate plans for each member, the cost of coverage increases.

How many people can I cover with a family floater health insurance plan?

The policyholder, spouse, kids, and occasionally parents are among the four to six people who can enrol in the majority of family floater health plans.

Who shall have a Family Floater Health Insurance Plan?

Family floater plans are typically best suited for younger families with healthy members who are less likely to suffer from illnesses. They are more practical and economical than buying separate insurance for every family member.

Is it possible to add family members to my family's medical insurance coverage?

Yes, you can add new family members to your family’s medical insurance only when you acquire a new policy or renew an existing one. Newborns and lawful spouses at marriage are the only exceptions to this norm.

Do I need separate health insurance coverage if a group policy covers my family and me?

Yes, the group health insurance policy does not provide a wider range of coverage. Hence, you can buy a separate individual health insurance or a family floater plan to secure your family members and yourself.

What distinguishes group health insurance from family health insurance?

Family health insurance provides coverage for individuals and their family members. The family member who buys the policy will pay the premium. On the other hand, only organizations, start-ups, and groups that offer coverage to their employees and group members are eligible for group health insurance policies. The employer is responsible for paying the premiums.

What drawbacks does the family floater mediclaim coverage have?

The sum insured in a family floated plan is limited. It is shared by the whole family, which results in insufficient coverage for everyone in case a medical emergency arrives.

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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 Floater Health Insurance Policy Online in India

Table of Contents

What is Family Floater Health Insurance?

Family Floater Health Insurance Simplified

Why Do You Need a Family Floater Health Insurance?

Manage High Healthcare Costs

Increase in Lifestyle Diseases

Provides Financial Stability

Enhances Overall Wellbeing

Maximize Tax Savings

Provide Convenience

Features of Family Floater Health Insurance

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

Health Insurance Add-on Options with Digit

Consumable Cover

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

Network Hospital Discount

What’s Not Covered?

Pre-Natal & Post-Natal Expenses

PED Before Waiting Period

Hospitalisation without Doctor’s Recommendation

Key Benefits of Family Floater Health Insurance by Digit

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

What Our Customers Have to Say about Us

Complementary Wellness Benefits for Digit’s Health Insurance Customers

Unlimited 24×7 Teleconsultations with General Physicians

Mental Health Consultation & Services

Diagnostic Tests & Health Check-Ups

Specialist Teleconsultations

Women's Health Care Programs

Physiotherapy Sessions

Dental Consultation Offers

Sexual Wellness

Chronic Care Support Programs

How Does a Family Floater Health Insurance Work?

How to Buy/Renew Health Insurance Policy Online?

Documents Required to Buy a Health Insurance Online

How to Download Your Health Insurance Policy Document via the Digit App?

How to File & Track Health Insurance Claim with Digit?

Digit’s Health Insurance Claim Numbers for FY 2024-25

75% of Cashless Health Claims Approved in Just 30 Minutes at Digit

65% Cashless Discharge Approved in Just 60 Minutes at Digit

Almost 70% of Reimbursement Claims Settled in Just 2 Days

1.1 Lakh+ Claims Registered Quickly with Smart Health Claim Bots in FY 2024-25

Digit Settled 9.16 Lakh Claims in FY 2024-25

9.16 Lakh Claims Settled

₹4,622 Crore Paid in Claims

Individual Health Insurance Plan Vs Family Floater Health Insurance Plan

Important Factors to Consider Before Buying Family Floater Health Insurance

Family Profile

Coverage

Network Hospitals

Waiting Period

Claim Settlement Ratio

Co-Pay and Sub-limits

Exclusions

Premiums and Affordability

Add-ons and Benefits

FAQs about Family Floater Health Insurance Plan

Can I Include Extended Family Members in a Family Floater Plan?

Can I get 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 Increase the Sum Insured During the Policy Term?

What does a shared sum insured mean in family floater policies?

Do individual health insurance policies cost more than family floater plans?

How many people can I cover with a family floater health insurance plan?

Who shall have a Family Floater Health Insurance Plan?

Is it possible to add family members to my family's medical insurance coverage?

Do I need separate health insurance coverage if a group policy covers my family and me?

What distinguishes group health insurance from family health insurance?

What drawbacks does the family floater mediclaim coverage have?

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