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Health Insurance

Family Health Plan Insurance Limited

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Protect your Family’s Health.

Comprehensive cover for all

Coverage Highlights

Key benefits
  • Wide Options

Choose a sum insured that fits your budget, ranging from ₹1 lakh to ₹25 lakhs.

  • Quick Claim Settlement

Claims are processed directly by us, ensuring faster and more efficient settlements.

  • Lifetime Renewal

Enjoy uninterrupted health coverage for yourself and your family by renewing your policy every year.

  • No Medical Tests

No medical tests are required for individuals up to 45 years of age.

  • Preventive Check-ups

Avail free preventive health check-ups to encourage regular health monitoring and early detection of potential health issues.

  • Reinstatement Benefit

Get your sum insured reinstated after exhaustion due to a claim.

Key Inclusions

What’s covered?
  • Hospitalisation Expenses

Covers hospitalisation costs, including a choice of room types and all types of daycare procedures and surgeries.

  • Pre and Post-Hospitalisation Expenses

Covers medical expenses for up to 60 days before and 90 days after hospitalisation, with options for customisation as needed.

  • AYUSH Hospitalisation

Covers medical expenses for alternative treatments such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy when prescribed by a doctor for illness or injury.

  • In-patient Hospitalisation

Includes expenses for room and boarding, ICU, nursing care, surgeon fees, anaesthesia, and other necessary treatments as prescribed by a doctor.

  • Road Ambulance

Reimburses reasonable ambulance expenses per valid hospitalisation claim when availing services from a healthcare or ambulance provider.

  • Organ Donor Expense

Covers the medical costs for an organ donor's in-patient treatment when harvesting an organ for the insured person.

  • Reinstatement Benefit

Restores 100% of the base sum insured for in-patient hospitalisation, ensuring full coverage for the policy year.

  • Daily Cash Allowance

Provides a fixed daily cash benefit during hospitalisation to help cover incidental expenses not included in the primary health insurance.

  • Modern Treatment

Covers medical expenses for treatments using modern technologies and advanced procedures

Key Exclusions

What’s not covered?
  • Waiting Period

A mandatory initial waiting period of 30 days applies for hospitalisation due to illness or sickness. However, accidental hospitalisation is covered from day one.

  • Pre-Existing Disease

A waiting period of 36 months applies to pre-existing conditions such as diabetes, high blood pressure, thyroid disorders, asthma, etc.

  • Specific Disease/Procedure

A 24-month waiting period applies to expenses related to the treatment of specified conditions, surgeries, and medical procedures.

  • Investigation & Evaluation

Medical expenses solely for diagnostic or evaluation purposes that are not related to the current diagnosis and treatment are not covered.

  • Dietary Supplements

Expenses for vitamins, minerals, and organic supplements purchased without a prescription are excluded unless prescribed by a medical practitioner as part of hospitalisation or daycare treatment.

  • Cosmetic Surgery

Any treatment undertaken for aesthetic purposes is not covered unless it is required for reconstruction following an accident, burns, or medically necessary treatment.

  • Self-Inflicted Injuries

Expenses arising from self-inflicted injuries, suicide attempts, insanity, or involvement in illegal activities are not covered.

  • Deductibles & Co-Pays

A portion of the claim will need to be borne by the policyholder, as per the terms of the policy.

Additional Services

What else can you get?
  • Non-Medical Expense

Covers typically excluded non-medical items in standard health insurance policies.

  • Maternity Cover

Provides financial support for delivery expenses, prenatal and postnatal care, and newborn medical costs

  • Bariatric Surgery Cover

Provides financial support for weight-loss procedures like gastric bypass, covering expenses if medically necessary due to obesity-related health conditions, as per policy terms.

Unmatched Benefits

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Reinstatement Benefits

Unlimited reinstatement of the sum insured, even after its depletion.

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Lifetime Renewal

Stay covered and renew yearly hassle-free!

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No Medical Tests

Get instant cover; skip the tests if you are under 45!

At-A-Glance

Compare Insurance Plans Made for You

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Family Health Care - Gold

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Family Health Care - Silver

Sum Insured Options INR 1 Lakh to INR 25 Lakhs INR 50,000 to INR 10 Lakhs
Room Rent Limit As per actual expenses Up to 1% of the sum insured
Pre & Post Hospitalisation 60 days pre-hospitalisation & post-hospitalisation 30 days pre-hospitalisation & post-hospitalisation
Organ Donor & AYUSH Treatments Covered up to the sum insured Covered up to the sum insured
Modern Treatment Methods & Tec Covered up to 50% of the sum insured Covered up to 50% of the sum insured
Sum Insured Reinstatement Bene 100% of the base sum insured Not covered
Hospital Cash Benefit INR 500 per day (for each 24-hour hospitalisation) INR 300 per day (for each 24-hour hospitalisation)
Road Ambulance Cover Up to INR 3,000 per hospitalisation Up to INR 1,500 per hospitalisation

Download Policy Document

Get instant access to your policy details with a single click.

Expand the Coverage Today!

Respect Rider(Senior Citizen)

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Emergency assistance for senior citizens

Designed for senior citizens

Starting from

INR 907 + GST

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Health Prime Rider (OPD)

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Tele, In-Clinic Doctor Consultation and Investigation

Dental, Nutrition and Emotional Wellness

Starting from

INR 298 + GST

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Loss of Income Cover

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Guaranteed pay-out for hospitalization

Guard against accidental injury or illness

Starting from

INR 148 + GST

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Major illness/ Accident Multipier

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Indemnity Cover

Doubles the sum insured benefit

Starting from

INR 171 + GST

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Wellness Supervisor

Healthmanager

Insurance benefits and rewards

Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits.

Healthassetment

Complete health assessment and data integration

Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.

Healthmanager

Insurance benefits and rewards

Earn points for health activities and get benefits as premium discounts & policy upgrades. Improve your health to reduce claims & maximize benefits

Healthassetment

Complete health assessment and data integration

Start with a detailed health evaluation and sync your medical records & wearables for real-time data on activity, sleep & vital metrics.

Step-by-Step Guide

To make sure that we are always listening to our customers,

How to Buy

  • 0

    Visit Bajaj Allianz website

  • 1

    Enter personal details

  • 2

    Compare health insurance plans

  • 3

    Select suitable coverage

  • 4

    Check discounts & offers

  • 5

    Add optional benefits

  • 6

    Proceed to secure payment

  • 7

    Receive instant policy confirmation

How to Renew

  • 0

    Login to the renewal portal

  • 1

    Enter your current policy details

  • 2

    Review and update coverage if required

  • 3

    Check for renewal offers

  • 4

    Add or remove riders

  • 5

    Confirm details and proceed

  • 6

    Complete renewal payment online

  • 7

    Receive instant confirmation for your policy renewal

How to Claim

  • 0

    Notify Bajaj Allianz about the claim

  • 1

    Submit all the required documents

  • 2

    Choose cashless or reimbursement mode for your claim

  • 3

    Avail treatment and share required bills

  • 4

    Receive claim settlement after approval

How to Port

  • 0

    Check eligibility for porting

  • 1

    Compare new policy benefits

  • 2

    Apply before your current policy expires

  • 3

    Provide details of your existing policy

  • 4

    Undergo risk assessment by Bajaj Allianz

  • 5

    Receive approval from Bajaj Allianz

  • 6

    Pay the premium for your new policy

  • 7

    Receive policy documents & coverage details

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24x7 Roadside/Spot assistance

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Cashless Claim

24x7 Missed Facility

Filing a Travel Insurance Claim

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Home Insurance Simplified

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Create your profile to unlock exclusive benefits.

  • Customised plans that grow with you
  • Proactive coverage for future milestones
  • Expert advice tailored to your profile
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What Our Customers Say

Cashless Claims

Excellent service for your mediclaim cashless customers during COVID. You guys are true COVID warriors, helping patients by settling claims during these challenging times.

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Arun Sekhsaria

Mumbai

4.5

29th May 2021

Instant Renewal

I am truly delighted by the cooperation you have extended in facilitating the renewal of my Health Care Supreme Policy. Thank you very much.    

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Vikram Anil Kumar

Mumbai

4.5

27th Jul 2020

Quick Claim Settlement

Good claim settlement service, even during the lockdown, has enabled me to sell the Bajaj Allianz Health Policy to more customers.

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Prithbi Singh Miyan

Pune

4.5

27th Jul 2020

Instant Policy Issuance

Very user-friendly. I got my policy in less than 10 minutes.

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Jaykumar Rao

Bhopal

4.7

25th May 2019

FAQ's

What is AYUSH benefit under the Family Health Care plan?

If you are hospitalised for at least 24 hours in an AYUSH hospital, either a government facility or an institute recognised by the government and/or accredited by the Quality Council of India/National Accreditation Board on Health on a doctor's advice due to illness or accidental injury during the policy period, we will cover your expenses.

What is the cumulative bonus under the Family Health Care policy?

If you renew your Family Health Care policy with us without any break and make no claims in the previous year, we will increase your sum insured by 10% annually. This cumulative bonus is capped at five years or 50% of your original policy’s sum insured, whichever is lower.

What are the conditions for the portability of the Family Health Care

The insured beneficiary can port the policy to another insurer, including all family members, by applying at least 45 days but no earlier than 60 days before renewal, as per IRDAI portability guidelines. If continuously covered without lapses under any Indian health insurance policy, they will retain accrued continuity benefits for waiting periods

What is the coverage for organ donor expenses under the Family Health

We will cover expenses for a major organ transplant, including organ harvesting, provided the donor complies with The Transplantation of Human Organs (Amendment) Bill, 2011, and the organ is for the insured person. Coverage applies only if we approve an inpatient hospitalisation claim for the insured. These expenses are included within the chosen

What is the hospital cash benefit under the Family Health Care plan?

If you are hospitalised on a doctor's advice, as defined in the policy, due to an illness or accidental bodily injury sustained or contracted during the policy period, we will pay you a daily allowance of ₹300 per day for each continuous 24-hour hospitalisation. This benefit is capped at a maximum of 30 days per policy period.

Why is medical insurance necessary for your health?

Medical insurance provides financial protection against unexpected medical expenses, ensuring access to quality healthcare without depleting your savings.

How many dependent members can I add to my family health insurance pla

You can add your spouse, children, parents, and other dependents as per the policy terms, ensuring comprehensive family coverage.

Why should you compare health insurance plans online?

Online comparison helps you find the best plan that suits your needs and budget, offering a clear understanding of coverage and benefits.

Why should you never delay the health insurance premium?

Delaying premiums can result in policy lapse, losing coverage benefits and financial protection, and may lead to difficulties in renewing the policy.

How to get a physical copy of your Bajaj Allianz General Insurance Com

Request a physical copy from the insurer or take a printout of the digital policy document received via email.

Is there a time limit to claim health cover plans?

Claims should be made within the stipulated time as per the policy terms to avoid rejection and ensure timely processing.

What exactly are pre-existing conditions in an Individual Health Insur

Pre-existing conditions are medical conditions you had before buying your Individual Health Insurance plan. Coverage for these might require waiting periods or exclusions. Be transparent about your health history.

How is the insurer going to pay my hospital bills?

Insurers cover hospital bills through reimbursement (you pay upfront and get reimbursed later) or cashless hospitalisation (insurer settles bills directly with network hospitals).

Are there any tax advantages to purchasing Individual Health Insurance

Individual Health Insurance premiums often qualify for tax deductions under Section 80D of the Income Tax Act (India).

Why should I need Personal Medical Insurance?

Personal medical insurance offers financial protection against unexpected medical expenses due to illness, accidents, or hospitalisation. It provides peace of mind and safeguards your savings.

How do I go about renewing health insurance plans?

Don’t stress the small things in life! The easiest and quickest way to renew your life insurance policy is by doing it online. Topping up your health cover gives you freedom from worrying about heavy medical expenses.

How is the health insurance renewal premium calculated?

We know that reading through the ponderous terms and conditions section of a health insurance policy isn’t always easy. So, here is the quick answer. Your renewal premium is calculated based on your age and coverage. As always, you can put the power of compounding to good use by investing in health insurance as early as possible.

Can I renew my expired health insurance policy?

Yes, of course. Life can get really busy and even things as important as renewing your health insurance plan can get side-lined. With Bajaj Allianz, we turn back the clock to give a grace period where you can renew your expired policy. For 30 days from the expiry date, you can still renew your health cover with ease. Now, you can run the race at yo

Can I renew health insurance online?

Absolutely! All you have to do to renew your health insurance is click or tap a few times! You can definitely renew health insurance policies online and also buy new policy for your family & friends click here to know more.

Will I be able to transfer my health insurance policy from another pro

Yes, as per IRDAI regulations, insurance portability between providers is allowed. This also includes transfer of benefits like Cumulative Bonus and credits relating to waiting period for pre-existing diseases.
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Why juggle policies when one app can do it all?

Download Caringly your's app!

Family Health Plan Insurance Limited (FHPL) is a leading Third-Party Administrator (TPA) in India. It offers a range of health insurance services designed to cater to families' medical needs. With an extensive network of hospitals and customer support services, FHPL ensures that policyholders have access to quality healthcare.

Their health plans cover medical expenses, hospitalisation costs, and preventive care, providing families with the financial security they need in times of medical emergencies. FHPL's user-friendly mobile app and widespread presence across India make it a convenient and reliable choice for health insurance.

Benefits of Family Health Plan Insurance Limited

FHPL TPA offers several key benefits, making it one of the top TPAs in India:

  • FHPL Sparrow App:

    Available on iOS and Android, this mobile application allows users to access policy details, download TPA cards, check the list of network hospitals, and manage claims efficiently.

  • 50+ Offices Nationwide:

    FHPL has a strong presence across 25 states in India with over 50 offices, ensuring easy access to services and support for policyholders.

  • 24/7 Multilingual Call Centre:

    FHPL operates a multilingual call centre that handles over 12 lakh calls, ensuring customer queries are promptly addressed in their preferred language.

  • Extensive Hospital Network:

    With over 7,000 hospitals, FHPL provides comprehensive coverage, allowing policyholders to avail of cashless treatment at numerous facilities across India.

FHPL Claim Status

You can check your FHPL claim status by following these simple steps:

  • Step 1: Visit the FHPL Claim Tracker at FHPL Claim Tracker.
  • Step 2: Select your insurance provider from the dropdown list.
  • Step 3: Enter your claim number, cashless number, or UHID, along with the date of hospitalisation.
  • Step 4: Submit the details to view your claim status.
  • Step 5: Additionally, claim status updates are sent via SMS or email to your registered contact details.

FHPL TPA Login Process

To use FHPL TPA services for a cashless treatment request, follow these steps:

  • Verify Network Hospitals:

    Confirm that the hospital you seek treatment is listed in the FHPL or your insurer's network.

  • Present Required ID Cards:

    For identity verification, show your insurance ID card, corporate ID, and a government-issued ID (such as Aadhaar or voter ID).

  • Submit Cashless Request:

    Fill out the pre-authorization form at the hospital, which will then forward the cashless request to FHPL TPA.

  • Receive Cashless Authorisation:

    FHPL TPA will issue the cashless authorisation upon verification. The member must sign the final bill before leaving the hospital.

FHPL Claim Process

Here's a guide to help you through the steps of FHPL Claim:

  • Notify Your Insurance Provider:

    ✓ Contact your insurance provider within the specified timeframe after hospitalisation.
    ✓ Provide them with the necessary details, such as the date of admission, hospital name, and your policy number.

  • Gather Required Documents:

    ✓ Collect all relevant medical documents, including hospital bills, prescriptions, test reports, and discharge summary.
    ✓ Ensure the documents are clear, legible, and properly organised.

  • Submit Your Claim:

    ✓ Submit your claim form along with the required documents to your insurance provider.
    ✓ You can usually submit claims online, by mail, or in person.

  • Await Claim Processing:

    ✓ Your insurance provider will review your claim and verify the information provided.
    ✓ The processing time may vary depending on the complexity of your claim and the insurer's efficiency.

  • Receive Reimbursement or Cashless Settlement:

    ✓ If your claim is approved, you will receive reimbursement for eligible expenses.
    ✓ In some cases, you may be eligible for cashless settlement at network hospitals.

FHPL TPA Group Health Insurance Customer Care Number

For any assistance or queries related to group health insurance, you can contact FHPL TPA:

  • Customer Care Number: 1-800-425-4033 (Available 24/7)
  • Email: info@fhpl.net

For any assistance or queries related to group health insurance, you can contact FHPL TPA: