Family Insurance
A family floater covers the household under a single policy and a single sum insured, rather than issuing a separate policy to every member.
One policy, one renewal date, cover for the whole household
Rather than issuing a separate policy to every member, a family floater covers the household under a single policy and a single sum insured — that sum insured is typically shared across whoever is covered in a given policy year.
Why families choose a floater over separate policies:
- Typically more cost-effective than insuring each member separately
- One renewal date and one set of paperwork for the household
- Coverage can be customised with riders as the family’s needs change
Why family cover matters
Simpler than insuring everyone separately
One renewal date and one set of paperwork for the household, instead of tracking a separate policy for every member.
Typically more cost-effective
A floater plan is often more cost-effective than the same cover bought as separate individual policies.
Grows with your family
Coverage can be customised with riders as the family’s needs change — a new child, an ageing parent, a growing household.
What family insurance covers
In-Patient Hospitalisation
Cover for any covered family member’s hospital admission.
Day-Care Procedures
Cover for procedures that don’t require a full 24-hour admission.
Maternity & Newborn Cover
Available on plans that include it, where opted.
Ambulance Charges
Cover for ambulance charges up to your plan’s limit.
Pre-Existing Conditions
Covered after the applicable waiting period.
Built for households of every shape
Households
One policy covering everyone under one roof.
Multi-Generation Families
Cover that can extend across generations living together.
Parents
Add a new child or dependant as the family grows.
Supported from comparison through claims
Our Digital Insurance Journey is how we work every family insurance enquiry, start to finish.
Enquire
Tell us who’s in your household and what you need covered.
Learn & Compare
We walk you through floater sizing and hospital networks, then compare relevant plans across insurers.
Apply & Issue
Your advisor handles the paperwork, liaises with the insurer, and checks the policy before you rely on it.
Renewals & Claims
We stay reachable for renewals, and our Claims Support desk helps when a family member needs to claim.
Frequently asked questions
Cover that often goes with family insurance
Looking for the right cover for your household?
Talk to an advisor about how Family Insurance fits your situation — we compare across insurers rather than selling a single product.