What is the right family floater size in 2026?

For a family of 4 in a tier-1 city, ₹15-25 lakh family floater is the practical band. Add restoration so the cover refills after one claim — multiple family members can claim in the same year.

Is family floater better than individual cover?

For a young family (couple + kids), floater is cheaper per member. Once a senior parent is added, separate cover for parents is usually better — their premium is higher and pulls everyone's premium up.

Calculator — Family floater

Same flat fee on every plan

Right-size your family floater

Four inputs. We'll size the floater for the size of your family, the city you live in, and your household income. Restoration is non-negotiable.

Four inputs.

Family size

Oldest adult age

Drives premium and cohort weighting.

City

Household income

Anonymous. 30 seconds.

Methodology

Floater SI = family-size scaling on top of the individual ideal. Cohort weights favour restoration + modern treatments for young-family cohorts.

Read the full methodology →

Related checks

Maternity cover — what to look for →
Parents' health cover →
All 15 calculators →

Want the exact number — not an estimate?

Connect your Gmail (read-only). We'll find your existing insurance and tell you whether you have a gap, you're overpaying, or you're set — in 30 seconds.

Find my right cover →