Health First Family Floater

Health First is our default family floater for nuclear families in Bengaluru — one sum insured shared across adults and children, no room-rent cap (so you pick the room, not the insurer's table) and a restore benefit that refills sum insured mid-year for a second, unrelated hospitalisation.

We like Star's hospital desk in South India — cashless goes through faster in Manipal, Apollo and Fortis here. Add annual health check-up after year 1 and a telemedicine rider if your parents are not separately covered.