Currently the video chat timings are 9:30am to 6:30pm from Monday to Saturday.
Call us now to secure insurance coverage. Timing: 9:00 a.m. to 07:00 p.m. every day.
Chat with us on our WhatsApp number
Find quick answers to all your insurance queries from our self-help section.
Call us for any help with renewals or claims. Timing: 09:00 a.m. to 07:00 p.m. every day.
Join India’s leading general insurance company. Timing 09:30 a.m. to 06:30 p.m. Monday-Saturday.
Health Insurance Plans for Family
Switch to Reliance Health Insurance. Trusted by 5 Crore+ Indians
As per regulation, Individual & Family Floater health insurance policies starting Sept 22, 2025, will have 0% GST. Choose a start date on or after this to avail the benefit.
Sent to Edit
Resend OTP in 60 Seconds
Our Health Advisor will contact you shortly to provide further information about the product and address any questions you may have.
A family health insurance plan is a comprehensive medical insurance policy that provides coverage for multiple family members under a single plan, ensuring you and your loved ones never have to compromise on quality care or worry about financial strain.Whether it is your child needing emergency care, your spouse undergoing surgery or elderly parents or parents-in-law requiring frequent medical attention, having a family health insurance plan ensures financial stability during life’s most uncertain moments.To make your family’s healthcare journey easier, Reliance General Insurance offers a wide range of family health insurance plans with the flexibility to cover up to 12 family members under one policy*.Starting at just ₹243* per month, our plans come with over 20 add-on options* and a high sum insured of up to ₹5 crores*. This ensures our mediclaim for families is all you ever need to manage unexpected medical expenses.
Cover yourself, your spouse, kids and even parents or parents-in-law, all under one smart health insurance policy. Having one plan for the whole family also makes policy management easier!
Enjoy comprehensive family health coverage at pocket-friendly premiums, starting from just ₹243* per month, making high-value financial protection accessible without straining your budget.
Whether it is a planned surgery in Singapore or a medical consultation in London, Reliance General Family Health Insurance has you covered with high global sum insured options (up to $1 million*). An international health insurance ensures that you and your loved ones can access world-class healthcare anywhere without worrying about medical expenses or treatment limitations.
Easily add a new family member, like a newly married spouse, to your Reliance General Family Health Insurance plan at the time of renewal, enabling you to adapt your financial coverage as your family grows seamlessly.
Benefit from a complimentary, cashless preventive medical check-up every three years, keeping your family's health on track without any out-of-pocket expenses.
Reliance family health insurance plans offer attractive add-ons to make your health coverage as dynamic as your family.
From planning a new arrival with maternity cover and enjoying unlimited security with unlimited SI (sum insured) restoration to staying proactive about your health with preventive check-ups covered under the OPD cover, our beneficial add-ons empower you to personalise your policy and unlock extra benefits.
Reliance General Insurance brings you a range of family health insurance options, each tailored to meet the diverse healthcare needs of modern families.Our family health insurance plans offer extensive coverage, flexible sum insured options and a wide array of smart add-ons, helping you safeguard your family’s well-being at every stage of life.Here are the different family health insurance plans offered by Reliance General Insurance -
Our Health Gain policy covers hospitalisation, inpatient treatment, day care procedures and surgeries and provides an accommodation bonus. Earn a 33.33% (up to 100%) bonus* on your sum insured every claim-free year.
With three variants, it offers coverage to up to 6 adults and 6 children*, depending on the variant.
Valuable add-ons allow you to boost your policy benefits. For example, the Unlimited Sum Insured Restoration cover can restore your full sum insured if a major claim exhausts your coverage mid-year.
Reliance Health Infinity Insurance offers a high sum insured up to ₹5 Crore* and unlimited SI restoration, ensuring robust coverage for your family. It covers up to 8 members (2 adults and 6 children)*.
Add-ons like MoreGlobal cover emergency hospitalisation and day care treatment for planned in-patient treatment, while maternity cover and newborn baby and vaccination cover offer enhanced care for growing families.
Reliance Health Global Policy provides worldwide coverage with a high global sum insured of up to $1 million*, covering both planned and emergency hospitalisations internationally. This includes treatments like cancer care, heart surgery and more.
Travel and accommodation costs for the patient, donor and companion are also included, so your family can stay close during overseas treatments.
It covers up to 8 members* and includes impactful add-ons. For instance, the India Cover offers inflation protection (which increases your sum insured by 8% annually) and a No Claim Bonus (NCB) of up to 100%*, helping your policy keep pace with rising medical costs.
Reliance offers coverage of up to ₹1.3 Crores* for hospitalisation, including inpatient treatment, day care procedures and pre- and post-hospitalisation care. Super Top Up Insurance also features a maternity cover of up to ₹2 lakhs* and a worldwide emergency cover that ensures protection during medical emergencies abroad.
Covering up to 8 family members*, this family health insurance plan also offers add-ons, such as the deductible buy-back benefit, which allows you to convert your deductible into an additional sum insured after 4 claim-free years.
Example: If your plan includes ₹50L SI + ₹10L deductible, it becomes a ₹60L SI with zero deductible on renewal, maximising your benefit.
The Arogya Sanjeevani policy is a standard health insurance plan that provides core financial coverage for hospitalisation, including pre- and post-hospitalisation care, AYUSH treatments, cataract treatments and more.
You can cover yourself and immediate family members like spouse, dependent children and parents or parents-in-law under this policy. This policy offers a sum insured of up to ₹10 lakhs* and rewards you with a 5% cumulative bonus for every claim-free year up to a maximum of 50%*.
Note - The inclusions and exclusions are subject to policy type and terms and conditions. Please refer to the official policy document for complete details here.
Note - For precise claim-related information, please refer to policy documents or get in touch with our customer helpline.
In a country like India, where out-of-pocket medical expenses remain alarmingly high, family health insurance is not only important but also essential.According to the Comprehensive Annual Modular Survey (July 2022–June 2023), urban residents pay nearly 77% of their inpatient care costs out of pocket, while rural families shoulder an even heavier load at 92%. This means that a single medical emergency can quickly deplete household savings or push families into debt.To help safeguard against such risks, Reliance General Insurance offers a broad range of family health insurance plans, including Health Global, Health Gain, Health Infinity, Health Super Top Up, Arogya Sanjeevani and Saral Suraksha Bima, designed to meet the unique medical and financial needs of every family.With standout benefits, such as coverage for up to 12 family members*, up to 40% discount*, global health coverage, cashless treatment, seamless claim settlement and instant policy issuance*, we ensure easy access to essential medical care so you can focus on recovery, not expenses.Choose Reliance General Insurance and rest easy knowing support is just a call away!
The best health insurance for your family depends on your healthcare needs, budget and preferred benefits.
Look for plans that cover hospitalisation, day care procedures, maternity and critical illness and offer add-ons like global coverage or unlimited sum insured restoration. Also consider factors like network hospitals, claim process and waiting periods before making a choice.
The cost of a family health insurance plan depends on various factors like the age of family members, coverage, sum insured, and any additional add-ons. For an accurate quote, visit the insurer’s website and use a health insurance premium calculator.
Ensure that your plan has extensive coverage, including outpatient care, pre- and post-hospitalisation, surgeries and critical illnesses. Select the desired sum insured. Choose an insurer with a wide network of hospitals and a high claim settlement ratio.
Check for wellness programs, maternity cover, preventive health check-ups and more add-ons that can enhance your policy. And lastly, compare premiums.
The benefits of family health insurance include comprehensive coverage, tax deductions on premiums paid, cost-effectiveness and convenience of managing in comparison to separate policies for different family members.
To use the premium calculator:
Family floater health insurance is a cost-effective policy where all family members share a single sum insured. It usually includes the primary insured as well as their spouse, dependent children, parents and parents-in-law.
It is a cost-effective option as the premium is usually lower than buying separate individual policies for each family member.
Many insurance providers, including Reliance General Insurance, allow policyholders to convert their individual health insurance into a family floater plan.
Contact your insurer's customer service team, provide adequate details of the family members to be added, and adjust the coverage, sum insured and premium as required.
You can add a newborn or a spouse to your existing family insurance plan. Contact your insurer to add new members and adjust your premium accordingly.
Many family health insurance plans, including those from Reliance General Insurance, allow parents and parents-in-law to be included in your policy. Ensure to check the specific age limits and any additional requirements set by your insurer.
You need to provide a complete list of family members to be insured, including their names, ages and current health status.
All covered members share a single sum insured amount. This shared coverage ensures that the insurance needs of any one or more members are met under the same policy.
Yes, under Section 80D of the Income Tax Act, 1961, you can claim tax deductions on premiums paid for family health insurance.
According to Section 80D of the Income Tax Act, of 1961, if you pay premiums, you can get the following tax deduction with a family health insurance plan -
Individual health insurance covers only one person, offering customisation and a sum insured specific to that individual. It typically has a higher premium per person and is renewed separately for each policyholder.
In contrast, family health insurance covers multiple family members, usually 8-12, under one plan with a shared sum insured and a lower per-person premium. It provides flexibility to suit family healthcare needs and is renewed as a single policy.
Family health insurance covers multiple members under one policy, offering benefits like maternity and child cover.
Senior citizen health insurance is designed specifically for individuals above 60 years, offering benefits like critical illness cover, annual health check-ups, etc.
To manage your family health insurance efficiently:
Generally, the waiting period for pre-existing conditions is 2-4 years for most health insurance policies. However, with Reliance Health Infinity and Reliance Health Gain policies, you can opt for add-ons to reduce this waiting period.
To file a claim, you will have to provide -
Disclaimer:*T&C Apply. For more details on risk factors, terms conditions, brochure, and exclusions, please read the policy wording and CIS carefully before concluding a sale.The premium mentioned is excluding taxes for single person aged between 5 years to 20 years with individual health policy for Sum Insured of ₹3 lakhs considering no adverse health conditions/pre-existing disease/medical conditions with waiting period of 3 years. For more details, please refer to the policy wordings. Premium used is 2,919/year converted into a month which gives us Rs.243/month (2,919/12).The details mentioned above are for Reliance Health Infinity Insurance UIN: RELHLIP23120V042223The details mentioned above are for Reliance Health Gain Policy. Reliance Health Gain UIN: RELHLIP22229V032122Maximum discount applicable for Reliance Health Gain Policy is 40% excluding long term healthy discount(aggregate)The details mentioned above are for Reliance Health Super Top Up. UIN- RELHLIP21617V012021.Details mentioned above are for Reliance Health Global UIN: IRDAN103RP0001V01202324Tax benefits are subject to conditions under Section 80D of the Act and amendments thereof. The tax laws are subject to amendments/changes from time to time. Please consult your tax advisor for details.
Thanks for the information. Our Customer Care will get back to you.