The family plan is offered either as a Single Round trip plan OR Annual Multi-Trip Plan. 

The offerings has restrictions and differs as well. 

For Family Single Trip Plans 

  1. Maximum 2 adults travelling with any number of children. 
  2. The adults need not be related but each child must be related to either of the insured adults. 
  3. They must travel and return together for a trip of maximum duration of 182 days.

For Family Multi-Trip Annual Plans
  1. The insured and/or spouse travelling with any number of their children. 
  2. Each child must be accompanied by at least one insured parent for each trip made during the policy period. 
  3. The maximum number of days for the trip is 
  • AXA's cap is 92 days.
  • AIG's Cap is 90 days

**Note : Definition of "Children" differs between insurers
AXA's definition

under the age of 18 or up to 25 years old if they are studying full-time in a recognized institution.

AIG's definition 

 A child is an unmarried person under 18 years of age or a full-time student who is below 23 years of age during the policy period. 

If your child is falls out of the definitions, he/she will not be able to to covered under the same family plan as you and will need a separate cover. 

** Information correct as of 1st Dec 2016