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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
Insurance Company |
Family Health Plan |
Claim Settlement Ratio 2021-22 |
Sum Insured (In Rs.) |
Niva Bupa | Reassure 2.0 | 99.99% | 5 L - 1 Cr |
Care Health Insurance | Care Supreme | 100% | 7 L - 1 Cr |
ManipalCigna | Prime Advantage | 99.90% | 5 L - 1 Cr |
Aditya Birla | Activ Health Platinum Enhanced | 99.41% | 2 L - 2 Cr |
Star Health Insurance | Star Health Assure | 99.06% | 5 L - 2 Cr |
Reliance General | Health Infinity | 98.65% | 5 L - 5 Cr |
HDFC Ergo | HDFC ERGO Optima Secure | 98.49% | 5 L - 2 Cr |
Liberty General | Liberty Health Connect | 97.30% | 3 L - 15 L |
United India Insurance | Family Medicare Policy | 97.25% | 3 L - 25 L |
ICICI Lombard Health Insurance | Health AdvantEdge | 97.07% | 5 L - 3 Cr |
Any company that sells an insurance policy is the insurance provider. A good insurance company has a high CSR, solvency ratio, good customer reviews, a vast product portfolio, and transparency towards its customers.)
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 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 Health AdvantEdge annual health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child
All of the above-mentioned features, benefits, sum insured, and details for the top 10 family health insurance in India are provided to help you make an informed purchase decision.
For further assistance in selecting the ideal healthcare plan for your family, talk to our experts at PolicyX.
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:
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Raghoba Phadke
Guwahati
April 8, 2024
PolicyX made me buy the Niva Bupa Reassure 2.0 health policy. And the customer care executives are so soft-spoken and compassionate about their customer needs.
Akshat R Verma
Allahabad
April 8, 2024
PolicyX suggested buying Niva Bupa Senior First health insurance for my old age parents. I& 039;m happy to gift them good health, thank you PolicyX.
Akash Banerjee
Pune
April 8, 2024
The team of PolicyX is always open to clear any doubts. I highly recommend buying Niva Bupa health policy from them.
Sarthak Parmal
Delhi
April 8, 2024
I bought Niva Bupa health insurance for my parents, thanks to PolicyX that now I can be prepared for their health needs.
Trishna Rohilla
Bengaluru
April 8, 2024
I got hospitalized due to an accident and my base policy was not sufficient for treatment. So, PolicyX made me buy the Niva Bupa Health Recharge add-on plan. Now, I’ll be prepared for any...
Sunaina Khanna
Ahmedabad
April 8, 2024
All my queries related to claim settlement ratio for Niva Bupa and claim process were resolved by PolicyX insurance agents
Prakash Kaur
Hyderabad
April 8, 2024
PolicyX helped me with all my queries regarding the Aditya Birla Active Essential Plan and helped me with the buying process. I am so grateful.
Radhika Aneja
Coimbatore
April 8, 2024
With the help of PolicyX, I got my health insurance policy from Aditya Birla Health Insurance. They answered all my queries without any hesitation and helped with every process.
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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