Care Health
Care Plus
₹12,748/yr · ₹10 L
- Claim ratio
- 95.2%
- Room rent
- No cap
- Co-pay
- 0%
- Unlimited restore
- No room-rent cap
- Day 1 cover for 30+ diseases
Family floater
One plan. The whole household.
Family floater shares a single sum insured across every listed member. Cheaper per head than buying individual plans — and simpler to manage at renewal.
₹10 L+
Recommended cover
94%
First-pass settlement
Day 1
Newborn cover
Top picks
Top family floater plans.
Three standouts for a family of 4 in Bengaluru · ₹10 L cover · eldest 36 yrs.
Best value
Star Health
Family Health Optima
₹14,840/yr · ₹10 L
- Claim ratio
- 92.5%
- Room rent
- Single pvt
- Co-pay
- 0%
- Automatic 3× recharge
- Newborn covered day 1
- 30-day free look
Niva Bupa
ReAssure 2.0
₹16,200/yr · ₹15 L
- Claim ratio
- 96.1%
- Room rent
- No cap
- Co-pay
- 0%
- Lock-in of age & premium
- Unlimited restore
- International cover
Common questions.
How does the floater handle multiple claims in a year?
Each claim eats into the same SI bucket. After the first big claim, the residual cover may be light — that's why restore-benefit (auto-restoration after exhaustion) matters more on floaters than individual.
Are children covered automatically?
Children up to age 25 (or 21 if not in education) can be on the floater. After that they need their own policy — we'll nudge you 6 months before the cutoff.
What is a family floater?
A single policy with one sum insured that every listed family member can draw from. Cheaper per head than individual plans.
How does the room-rent cap affect my claim?
If you pick a room more expensive than the cap, every other charge (tests, consultations, procedures) gets proportionally reduced. We compare this at quote time.
When does pre-existing cover kick in?
Typically 24 to 48 months after purchase. A few plans offer day-1 cover for an extra premium — we flag those.
Can I claim cashless at any hospital?
Only at network hospitals. Outside the network it's reimbursement — pay first, claim later.
Sub-products
Other shapes of health cover.
A floater is the default for most families — but here’s when senior, OPD or critical-illness top-ups make sense.
Individual
Dedicated cover for one person.
Best for singles under 35
from ₹623/mo
You’re here
Family floater
One plan shared across the whole family.
Most popular for couples + kids
from ₹493/mo
Senior citizen
Tailored for parents over 60.
Pre-existing covered from day 31
from ₹1,847/mo
OPD + wellness
Dentist, labs, pharmacy, teleconsults.
For everyday out-patient spending
from ₹218/mo
Critical illness
Lumpsum on diagnosis — cancer, heart, stroke.
Top-up for your existing cover
from ₹147/mo
Cover your whole family.
2 minutes of questions, 18 insurers, full family-floater comparison. No spam calls.
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