Healthcare Membership | Family Health Coverage Plans India
Family Health Coverage Plans – One Shared Benefit Value Up to ₹5 Lakh, From ₹15,999/Year
Bharat Arogya Family Floater protects up to 2 adults and 2 children under a single plan, with hospitalisation support, day care, pre and post hospital care and unlimited teleconsultations for the whole family. Designed for families in Hyderabad, Telangana, Andhra Pradesh and across India.
- ✓ 2 adults + 2 children
- ✓ Shared benefit value up to ₹5 Lakh
- ✓ 540+ day care procedures
- ✓ Network hospital access
What Are Family Health Coverage Plans?
Family health coverage plans protect multiple family members under one shared benefit value, so you manage a single plan instead of several. Bharat Arogya Family Floater covers up to 2 adults and 2 children, with in-patient hospitalisation, day care procedures, pre and post hospitalisation support, ambulance cover and wellness benefits. The membership starts from ₹15,999 per year, with fees set by age band (18–50 and 51–65 years).
What Your Family Health Coverage Plan Includes
In-Patient Hospitalisation
Room, nursing, surgery and in-hospital medical expenses up to the shared benefit value.
Pre-Hospitalisation
30 days of medical expenses incurred before admission, including diagnostics.
Post-Hospitalisation
60 days of follow-up care after discharge, including medicines and doctor visits.
Day Care Procedures
540+ procedures covered where 24-hour admission is not required.
Ambulance Cover
Up to ₹2,000 per hospitalisation for emergency ambulance charges.
Family Wellness Benefits
Unlimited teleconsultations, up to 80% off diagnostics, up to 30% off radiology and specialist visits.
How a Family Floater Works
All covered members share one benefit value for the year. If one member is hospitalised, the claim draws from the shared amount. If more than one member needs treatment in the same year, the remaining balance is available to them.
Example: A family selects a ₹5 Lakh shared benefit value. If one member has a ₹2 Lakh admissible hospital bill, ₹3 Lakh remains for the rest of the year for any covered member. Co-pay, room rent limits and waiting periods still apply as per plan terms.Family Health Coverage Fees by Age Band
| Benefit Value | Fee (Age 18–50 years) | Fee (Age 51–65 years) |
|---|---|---|
| ₹3 Lakh | ₹15,999 / yr | ₹16,999 / yr |
| ₹5 Lakh | ₹18,999 / yr | ₹21,999 / yr |
Fees from our catalogue. Use the calculator for your exact fee.
Waiting Periods, Co-Pay and Room Rent: Know Before You Buy
| Term | What It Means for Your Family |
|---|---|
| Initial waiting period | 30 days from activation (accidents are covered from Day 1) |
| Pre-existing diseases | 24-month waiting period |
| Specific diseases / procedures | 12-month waiting period |
| Co-payment | 10% of the admissible amount on every benefit assistance request |
| Room rent limit | 2% of benefit value per day (normal ward), 4% per day (ICU); proportionate deduction applies if exceeded |
Family Floater vs Individual Plans: Which Fits Your Family?
| Feature | Bharat Arogya Family Floater | Bharat Arogya Individual |
|---|---|---|
| Who is covered | Up to 2 adults + 2 children | 1 adult (18–65) |
| Benefit value | One shared benefit value for the family | Separate benefit value of ₹1L, ₹2L, ₹3L or ₹5L |
| Starting fee | ₹15,999/year | ₹2,599/year |
| Fee basis | Age band: 18–50 or 51–65 years | Selected benefit value |
| Best for | Couples and families with children | Single adults, or parents wanting a separate plan |
Looking for one person only? See individual health coverage. Need cover above ₹5 Lakh? Get a custom quote.
Family Health Coverage Plans in Hyderabad, Telangana, Andhra Pradesh & Across India
When a family member is unwell, you need a hospital you can reach and doctors you can consult quickly. Bharat Arogya Family Floater connects your family to partner network hospitals, partner diagnostic labs and online doctors. Hospital lists can change, so confirm the latest network list before admission.
Telangana
Hyderabad, Secunderabad, Warangal, Karimnagar, Nizamabad, Khammam: Family health coverage for working couples, nuclear families and households with school-going children, with teleconsultations for every member.
Andhra Pradesh
Visakhapatnam, Vijayawada, Guntur, Tirupati, Nellore, Rajahmundry: Hospitalisation, day care and diagnostic savings for the whole family, with advisors who help you check network hospitals near your pin code.
Rest of India
Bengaluru, Chennai, Mumbai, Pune, Delhi NCR, Kolkata and more: If your family relocates, your plan, network hospital access and teleconsultations move with you.
Want to check whether a hospital or lab near you is in the network? Ask our advisors on WhatsApp before you buy.
Who Should Buy Family Health Coverage Plans?
Couples planning or starting a family
Parents with up to two children who want one simple plan
Salaried families whose employer cover is limited or does not extend to dependants
Self-employed and business-owner families without group cover
Eligibility: Up to 2 adults and 2 children. Adult members aged 18–65. Fees are based on the age band of the covered adults (18–50 or 51–65 years).
Why Choose Bharat Arogya Family Floater?
One plan for up to 2 adults and 2 children
Shared benefit value up to ₹5 Lakh
540+ day care procedures included
30 days pre-hospitalisation and 60 days post-hospitalisation support
Unlimited teleconsultations and up to 80% off diagnostics for the family
Transparent terms: waiting periods, co-pay and room rent limits stated upfront
Dedicated advisors and simple digital enrolment
How to Get Family Health Coverage in 3 Steps
Select your age band: 18–50 or 51–65 years, and view the live membership fee in the calculator.
Speak to an advisor: Confirm family members, waiting periods and network hospitals near you.
Activate: Complete enrolment and start using teleconsultations and diagnostic savings right away.
Family Health Coverage Plans FAQs
Protect Your Whole Family Under One Plan
Family health coverage plans from ₹15,999/year. Hospitalisation, day care and teleconsultations for up to 4 members.
