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Top 10 Family Health Insurance Plans in India

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

  • In-patient hospitalization
  • Daycare and modern treatments
  • Domiciliary hospitalization
  • Ambulance cover
  • OPD cover
  • Global Cover
  • Maternity and Newborn Baby cover, and more

List Of Top 10 Family Health Insurance In India 2024

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
What is Incurred Claim Settlement Ratio?

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).

What is Claim Settlement Ratio?

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.)

What is Sum Insured?

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.

Top 10 Health Insurance Plans For Family Key Features

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.

  1. Niva Bupa Reassure 2.0

    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.

    • Platinum+
    • Titanium+
    • Bronze+
    • Bronze+
    • Gold and Bronze

    Niva Bupa Reassure 2.0 Inclusions

    • Safeguard your family from road accident hospitalization expenses and medical emergencies with in-built personal accident cover under Niva Bupa Reassure 2.0
    • Avail up to 30% discounts on renewal premiums based on the number of steps taken. With Niva Bupa Reassure 2.0 your family members are not only covered during illness but are also encouraged to maintain a healthy lifestyle.
    • Avail of health check-ups for all family members who are insured under the Niva Bupa Reassure 2.0

    Premium Chart

    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

  2. Care Supreme

    Care Supreme Plan is an all-rounder health insurance plan with affordable premiums that comes with multiple optional benefits.

    Care Supreme Inclusions

    • Care Supreme provides coverage for AYUSH treatment, domiciliary hospitalization, and organ donor cover without any sub-limits or capping
    • Family members can avail of the highest cumulative bonus of up to 500% to boost the sum insured with the Care Supreme plan
    • Up to 30% wellness discount is available on renewal premiums keeping your family encouraged and motivated to maintain fitness levels

    Premium Chart

    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

  3. ManipalCigna Prime Advantage

    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.

    ManipalCigna Prime Advantage Inclusions

    • Family members can avail of consultations, prescribed diagnostics, and pharmacy for up to INR 50,000 per policy year
    • Secure your family members with ManipalCigna Prime Advantage's second medical opinion feature for 36 listed critical illnesses
    • Switch Off Benefit under ManipalCigna Prime Advantage allows you and your family to close the cover after 1 year for a maximum of 30 days and get renewal premium discounts

    Premium Chart

    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

  4. Aditya Birla Activ Health Platinum Enhanced

    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.

    Aditya Birla Activ Health Platinum Enhanced Inclusions

    • Expert health coach for personalized workout plans, nutrition plans as well as mental health guidance.
    • On completing 2 claim-free years, you are awarded double sum insured on no additional premium.
    • Avail pre and post-hospitalization coverage for listed mental illnesses with Aditya Birla Activ Health Platinum Enhanced.

    Premium Chart

    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

  5. Star Health Assure

    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.

    Star Health Assure Inclusions

    • In case you want to accompany your family member during medical treatment for a life-threatening emergency, Star Health Assure compensates up to INR 10,000 for an immediate family member as a compassionate travel benefit
    • The built-in star wellness program is available for policyholders to encourage a healthy lifestyle. Points earned by fulfilling certain tasks like daily steps, regular health check-ups and more will give you 20% renewal premium discounts.
    • The Star Health Assure covers pain management and rehabilitation expenses plan up to 20% of the sum insured.

    Premium Chart

    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

  6. Reliance General Health Infinity

    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.

    Reliance General Health Infinity Inclusions

    • Optional cover like 'More Global' covers emergency hospitalization and daycare treatment up to 100% of SI
    • Mother and Child care cover is available under the plan as an add-on, covering maternity expenses for INR 1 and 2 Lakhs depending on the sum insured option selected by you
    • You can restore your sum insured up to 100% with Reliance General Health Infinity for unrelated illness/injury

    Premium Chart

    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

  7. HDFC Ergo Optima Secure

    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.

    HDFC Ergo Optima Secure Inclusions

    • Under this plan, if you or your family members are diagnosed with any of the 51 listed critical illnesses, you can avail of e-opinions.
    • Optima Secure restores up to 100% of your SI for any illnesses or accidental hospitalization. In case you exhaust your sum insured the restore benefit provides you with the restored sum insured.
    • With the HDFC Ergo Optima Secure, you are entitled to up to a 100% increase in your base coverage amount on completing 2 claim-free years.

    Premium Chart

    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

  8. Liberty Health Connect

    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.

    Liberty Health Connect Inclusions

    • Avail of organ donor expense coverage with Liberty Health Connect up to the sum insured
    • After 2 years of continuous policy renewal, Liberty Health Connect rewards you with free health check-ups regardless of your claim status
    • The plan comes with a no co-pay benefit, relieving you from all the financial stress

    Premium Chart

    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

  9. United India Insurance Family Medicare Policy

    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.

    United India Family Medicare Policy Inclusions

    • Daily hospital cash allowance is available up to INR 20,000 per policy period
    • Newborn baby cover is available from day one up to the age of 90 days and expenses incurred for treatment taken in the hospital are payable
    • Up to INR 25,000 is available per policy period for AYUSH treatment

    Premium Chart

    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

  10. ICICI Lombard Health AdvantEdge

    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.

    ICICI Lombard Health AdvantEdge Inclusions

    • In-built & value-added services and wellness benefits such as video consultations, doctor-on-call, and ambulance assistance are available
    • Avail of hospitalization expenses outside of India including countries like the USA and Canada, up to the specified sum insured limits
    • Air ambulance services are covered for emergency hospitalizations up to the sum insured

    Premium Chart

    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

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Conclusion

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.

Top Family Health Insurance Plans: FAQs

1. What is the claim settlement ratio of the top 5 health insurance plans for families?

The CSR for the top 5 health insurance plans for families are:

  • Care Supreme Health Plan - 100% CSR
  • Niva Bupa Reassure 2.0 - 99.99% CSR
  • ManipalCigna Prime Advantage - 99.90% CSR
  • Aditya Birla Activ Health Platinum Enhanced - 99.41% CSR
  • Star Health Assure Plan - 99.06% CSR

2. What are the sum insured options available under the top 5 health insurance plans for families?

The sum insured options are :

  • Care Supreme - INR 7 L - 1 Crore
  • Niva Bupa Reassure 2.0 - INR 5 L to 1 Crore
  • ManipalCigna Prime Advantage - INR 5 L - 1 Crore
  • Aditya Birla Activ Health Platinum Premium (In Rs.) - INR 2 L - 2 Cr
  • Star Health Assure Plan - INR 5 L - 2 Cr

3. Which family health insurance plan is the best in India?

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.

4. How to select the ideal family health plan among the top 10 health insurance plans in India for families?

Factors to be considered when opting for the ideal family health insurance plan are:

  • Claim Settlement Ratio
  • Affordable Premiums
  • Add-ons and Optional Covers
  • Reviews and Ratings
  • Claim Support
  • Network Hospitals
  • Sum Insured Options

5. What are the common health covers in the top health insurance plan for families?

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.

6. How is the coverage amount distributed among each member in family health insurance plans?

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.

7. Which relationships are covered in the top family health insurance plans in India?

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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What Our Customers Have to Say

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Achintya Sharma

Ranchi

May 10, 2024

I’ve been covered by HDFC ERGO Platinum Health Guard plan for years now, and it has been a lifesaver. The coverage is extensive, and the claim process is so easy. I highly recommend the p...

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Parag Mehta

Jamshedpur

May 10, 2024

I’m impressed with the assistance of the ManipalCigna Prime Senior Insurance policy that I’ve bought for my father. I don’t fear now being a NRI because I’m assured of h...

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Anshul Garg

Vishakapatnam

May 10, 2024

The ManipalCigna LIfestyle Protection Critical Care Policy has coverage for up to 30 critical illnesses with a sum insured of up to 25 Crores. If you’re searching for a policy like this, ...

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Shivalika Varghese

Delhi

May 10, 2024

If you are searching a health insurance like ManipalCigna ProHealth choose that offers straightforward claim assistance and the flexibility to optimize your coverage, go for it.

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Pratibha Chandrakar

Kolkata

May 10, 2024

I was majorly focused on pre and post-hospitalization expenses coverage and found the best health coverage for these with the ManipalCigna ProHealth insurance policy.

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Kanupriya Ghadge

Nagpur

May 10, 2024

For anyone who’s looking for a comprehensive health insurance policy, I would recommend buying the ManipalCigna ProHealth Prime insurance plan as it provides maximum coverage.

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Neelam Sharma

Bengaluru

May 10, 2024

Star health has been my health insurer for more than 2 years and I am happy. Thanks to PolicyX for suggesting me Star Health

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Adi Kukreja

Jalandhar

May 10, 2024

My wife fell ill and was diagnosed with jaundice, due to which she had to be hospitalised for a week. But Star’s Family Health Optima Insurance Plan helped me pay the bill and PolicyX mad...

Simran Kaur Vij

Written By: Simran Kaur Vij

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.