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With medical care costs consistently on the rise, safeguarding and providing the best medical care for your family becomes a priority. Explore the top 10 health insurance plans for families covering all necessary features such as
Given below are the top health insurance plans for families based on vital factors like, Premium Affordability, CSR, Claim assistance, Reviews, Features and Benefits & Add-Ons and Optional Cover
Family Health Plan |
Claim Settlement Ratio 2021-22
|
Sum Insured (In Rs.)
|
Incurred Claim Settlement Ratio (2023) |
Niva Bupa ReAssure 2.0 | 99.99% | 5 L - 1 Cr | 54.05 |
Care Supreme | 100% | 7 L - 1 Cr | 53.82 |
ManipalCigna ProHealth Prime Advantage | 99.90% | 5 L - 1 Cr | 64.66 |
Aditya Birla Activ Health Platinum Enhanced | 99.41% | 2 L - 2 Cr | 64.68 |
Star Health Assure | 99.06% | 5 L - 2 Cr | 65 |
Reliance General Health Infinity | 98.65% | 5 L - 5 Cr | 86.31 |
HDFC Ergo Optima Secure | 98.49% | 5 L - 2 Cr | 79.04 |
Liberty Health Connect | 97.30% | 3 L - 15 L | 74.17 |
United India Insurance Family Medicare Policy | 97.25% | 3 L - 25 L | 89.57 |
ICICI Lombard Health AdvantEdge | 97.07% | 5 L - 3 Cr | 77.33 |
The ratio of the entire claim amount paid by the insurer to the total premium collected in one financial year is called the incurred claim ratio (ICR).
Claim Settlement Ratio is the percentage of claims settled by an insurer compared to the total claims received in a financial year. A good CSR lies somewhere between 95 to 99 percent.)
Sum insured is the maximum monetary coverage that a health insurance policy provides you. You should decide your sum insured based on the cost of medical treatments, your health, income, and lifestyle habits.
Understand the benefits that are offered by these health plans to make an informed decision that will protect you and your family for years to come.
One of our top picks under the top 10 health insurance plans for families for its versatile features and benefits, This plan covers up to 6 family members and is available in 5 different variants for you to choose from, namely.
Sum Insured (In Rs.) | 10 L | 50 L | 1 Cr |
Premium (In Rs.) | 1,621 | 3,749 | 4,396 |
*Niva Bupa Reassure 2.0 annual health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child
Care Supreme Plan is an all-rounder health insurance plan with affordable premiums that comes with multiple optional benefits.
Sum Insured (In Rs.) | 10 L | 50 L | 1 Cr |
Premium (In Rs.) | 1,533 | 2,220 | 2,882 |
*Care Supreme Plan annual health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child
With features like OPD cover, Sum Insured Restoration, AYUSH Treatment, Air Ambulance cover, and more, ManipalCigna Prime Advantage offers your family up to INR 1 crore of the sum insured.
Sum Insured (In Rs.) | 10 L | 50 L | 1 Cr |
Premium (In Rs.) | 7,521 | 3,253 | 3,588 |
*ManipalCigna Prime Advantage annual health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child
Aditya Birla Activ Health Platinum Enhanced offers up to INR 2 Crores sum insured. Avail coverage for rare conditions like mental illness hospitalization, and modern treatments that require advanced and modern technologies.
Sum Insured (In Rs.) | 10 L | 50 L | 1 Cr |
Premium (In Rs.) | 2,108 | 4,064 | 4,251 |
*Activ Health Platinum Enhanced monthly health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child
It is a versatile health insurance plan offering a high sum insured value of up to INR 2 crores making it an ideal choice to provide adequate cover for all family members.
Sum Insured (In Rs.) | 10 L | 50 L | 1 Cr |
Premium (In Rs.) | 2,049 | 3,702 | 4,482 |
*Star Assure Plan monthly health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child
The plan is designed to provide all-around medical care to you and your family with no sub-limits and a large sum insured of up to INR 5 Crores.
Sum Insured (In Rs.) | 25 L | 1 Cr | 5 Cr |
Premium (In Rs.) | 18,660 | 31,310 | 36,979 |
*Reliance General Health Infinity annual health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child
If you are looking for a health plan that offers overall health care coverage with no sub-limits, no room rent-capping, no disease-based capping, and no co-payments, consider investing in HDFC Ergo Optima Secure.
Sum Insured (In Rs.) | 25 L | 50 L | 2 Cr |
Premium (In Rs.) | 21,540 | 30,480 | 46,533 |
*HDFC ERGO Optima Secure annual health premiums are calculated with a policy term of 2 years for 2 Adults + 1 Child
The plan offers 4 different variants suitable for your family's healthcare requirements that are E-connect, Basic, Elite, and Supreme—the sum insured options available range between 3 to 15 Lakhs with various additional and renewal features.
Sum Insured (In Rs.) | 7.5 L | 10 L | 15 L |
Premium (In Rs.) | 15,578 | 17,318 | 22,632 |
*Liberty Health Connect annual health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child
Some valuable features offered by the United India Insurance Family Medicare are restoration of sum insured, modern treatments, road ambulance cover, and maternity and newborn baby cover.
Sum Insured (In Rs.) | 10 L | 15 L | 25 L |
Premium (In Rs.) | 8,669 | 15,993 | 19,608 |
*United Family Medicare annual health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child
If a critical illness like cancer runs in your family, ICICI Lombard Health AdvantEdge is an ideal fit as it offers coverage against 20 listed critical illnesses along with base healthcare features.
Sum Insured (In Rs.) | 40 L | 1 CR | 3 Cr |
Premium (In Rs.) | 28,561 | 39,141 | 80,423 |
*ICICI Lombard Health AdvantEdge annual health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child
Protecting your family is the top priority of every one of us. With so many plans available in the market, choosing the right family health insurance plan can be hectic. By considering the needs and budget, you can find a suitable health insurance plan for your family. These top 10 family health insurance plans are being chosen based on what benefits they provide, how many members these plans include and the cost of premiums. These plans can be an investment in the well-being of your family for years to come.
Do not wait for an emergency, just buy the plan as early as possible, because the earlier you choose, the lesser the premiums you have to pay. So are ready to safeguard your family’s health?
Get free quotes from the best family health insurance plans at PolicyX and compare the plans to find the perfect fit for your requirements. Call us today to get started.
The CSR for the top 5 health insurance plans for families are:
The sum insured options are :
Family health plans are the best when customized as per the family's needs and requirements. To help you select the ideal family health plan, we have listed the top 10 family health insurance in India in this article with features, sum insured options, and premium illustrations.
Factors to be considered when opting for the ideal family health insurance plan are:
The best family health insurance must include pre and post-hospitalization charges, ambulance services, diagnostic tests, prescription drugs, maternity & newborn coverage and organ donor expenses.
There is a single sum insured amount for the entire family. Any of the members can use this sum insured as long as the total expenses do not exceed the limit.
Generally, 4-6 relationships are covered in the best family health plans which include, spouses, children, parents, parents-in-law, and grandparents. But in some cases, these plans also cover other relations like niece, nephew, uncle, aunt and other members of an extended family.
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Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.
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