A Star Health family floater covers everyone under a single sum insured — hospitalisation, day-care procedures and the treatment costs that climb every year. I'll help you size it right and set it up cleanly.
A quick estimate based on your family and city. Takes 20 seconds.
A single serious hospitalisation in a private hospital can run into several lakhs — and medical costs in India rise faster than almost anything else you budget for. A family health insurance plan means treatment decisions are driven by what's best for your family, not by what you can afford that month.
A family floater covers your whole household under one shared sum insured, usually at a lower cost than insuring each person separately. As an IRDAI-licensed Star Health advisor in [City], I'll help you pick the right cover amount and — crucially — fill the form honestly so your claims actually get paid.
Star Health offers several ways to cover a family. Here's how the main options compare — I'll help you pick.
One sum insured shared across your whole family. Cost-effective, simple to manage, and easy to top up as your family grows.
A separate sum insured for one person — useful for someone with specific health needs who shouldn't share a floater.
Higher sums insured with wider benefits like restore, no-claim bonus and wider room-rent limits for serious cover.
Cover for procedures that no longer need 24-hour admission — cataract, dialysis, chemotherapy and more.
Plans that cover delivery and extend cover to your newborn from day one, subject to waiting periods.
Raise your total cover affordably by adding a high-limit layer above a deductible. Detailed on our senior & top-up page.
Treatment settled directly with a wide network of hospitals — no paying upfront and waiting for reimbursement.
Your sum insured grows for every claim-free year, at no extra premium.
If you exhaust the cover during a year, many plans reinstate it for a fresh, unrelated claim.
Related costs before admission and after discharge are covered for a defined window.
Hundreds of modern procedures covered without a 24-hour admission requirement.
Cover that renews for life as long as you keep paying — it shouldn't drop you when you age.
Health premiums earn you a separate tax deduction on top of your other savings. I'll make sure it's claimed correctly.
Premiums for you, your spouse and children are deductible up to ₹25,000 per year.
An additional deduction up to ₹25,000 — or ₹50,000 if your parents are senior citizens.
Preventive health check-ups are covered within the overall 80D limit.
Tax benefits are subject to prevailing tax laws and may change. Please consult your tax advisor.
No cold sales calls. Just a clear path from confusion to confidence.
We talk about your family, your budget, existing cover and what you're worried about.
I show you the right plans for your goal — with the trade-offs laid out plainly.
You choose what fits. I handle paperwork, medicals and a smooth, paperless purchase.
I stay your point of contact for renewals, changes and claims for as long as you hold the policy.
A family floater shares one sum insured across everyone and is usually cheaper for a young family. Individual policies give each person their own dedicated cover, which suits families with an older member or someone with ongoing health needs. I'll compare both for your family's actual profile.
In a metro, medical costs are high enough that many families are under-insured at ₹5 lakh. A floater of ₹10 lakh or more is a sensible starting point for a young family, higher if you have older members. Use the estimator above for a quick figure, then we'll refine it.
Yes, after a waiting period defined in the policy — typically a few years. The key is to declare every condition honestly when you buy. Undisclosed conditions are the main reason claims get rejected, and I make sure your form is complete from the start.
At a network hospital, the insurer settles the bill directly so you don't pay the covered amount upfront. You show your policy details at admission, the hospital coordinates approval, and you're free to focus on treatment rather than payment.
For cashless, the hospital raises the request and the insurer approves it. For non-network hospitals, you pay and claim reimbursement with the bills. Either way, I personally help your family through it — that hands-on support at claim time is the point of using an advisor.
Yes. Health premiums are deductible under Section 80D — up to ₹25,000 for your immediate family and an additional ₹25,000–₹50,000 for parents depending on their age. Tax rules can change over time.
Sizing your floater for a metro city without overpaying.
ClaimsThe disclosure mistakes that cost families at claim time.
FamiliesWhich structure fits your family's ages and health.
Tell me a little about yourself and I'll get back within one working day — on call, WhatsApp, or in person.