Shield360 · Personal Health
Family health cover that doesn’t leave gaps.
Floater plans sized for the whole family, critical illness cover for the diagnoses that upend an income, and super top-up to scale cover as costs rise — matched to your household by an advisor, not a one-size-fits-all form.
Three Ways to Cover a Family
Health cover, not a health lottery.
Family floater plans
One sum insured shared across you, your spouse, and children — sized once and used by whichever family member needs it, instead of a separate policy for each person.
Critical illness cover
A lump-sum payout on diagnosis of a listed critical illness — cancer, heart attack, kidney failure, and others depending on the plan — paid regardless of the actual treatment cost, to cover income loss and out-of-network care.
Super top-up
Extends your cover well beyond your base floater sum insured once a deductible is crossed, at a fraction of the premium a bigger base policy would cost — the standard way to size up cover as medical costs rise.
Health cover that also lowers your tax bill
Premiums paid for health insurance are deductible under Section 80D of the Income Tax Act.
Broadly: premiums for yourself, your spouse, and children qualify for one deduction band, and premiums for parents qualify for a separate, additional band — with a higher limit if the person covered is a senior citizen. Exact limits change with the tax year, so we confirm the current figures against your policy at the time of filing rather than quoting a fixed number here.
Ask About Your 80D BenefitHow It's Structured
- ✓Self, spouse & children — one deduction band
- ✓Parents — a separate, additional band
- ✓Higher limit when a senior citizen is covered
- ✓Applies to health premiums, not life cover
- ✓We confirm current-year limits at filing time
Matched, Not Sold
An advisor sizes it. You decide.
Family size, city of residence, existing employer cover, and any family medical history all change what “enough” cover looks like. We map that first, then bring back a shortlist — floater sum insured, whether critical illness cover is worth adding, and where a super top-up beats a bigger base policy on cost.
Also See
- Term life & income protection →
The other half of personal cover — how much life cover is enough.
- Compare personal plans →
Health Secure, Total Shield, and Life Secure, side by side.
- Back to Shield360 →
The full picture — corporate, employee, and personal cover.
Ready When You Are
Let’s size your family’s health cover properly.
A short conversation about your family and existing cover is enough to bring back a shortlist worth comparing.
Talk to an Advisor