Family floater health insurance
A family floater shares one sum insured across you, your spouse and your children for a single premium. It usually costs less than separate policies, and the whole cover is available to whoever needs it.
What is covered
What is not covered
Covers and exclusions vary by insurer and plan; the policy wording applies.
Making a claim
How a claim works with Kreeva
Tell us early
For planned treatment, a few days ahead; in an emergency, as soon as you can.
Cashless approval
The hospital sends the request; we follow it up with the insurer.
Bills and reports
We list exactly what to keep for any reimbursement.
Settlement
We track the claim until it is paid and explain any deduction.
Family floater health insurance — questions
Should parents be added to a family floater?
Usually not. The premium is based on the eldest member, so adding parents over 55 raises it sharply. A separate senior citizen policy is often better.
How much sum insured does a family need?
It depends on city, family size and hospitals you use. Many families now choose ₹10 lakh or more, often with a super top-up for extra cover.
Is the premium tax-deductible?
Yes, under Section 80D of the Income Tax Act, within the limits that apply to you.
Not sure which plan fits? Ask an advisor.
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