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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

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
What is Insurance Company?

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.)

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 Health AdvantEdge is an ideal fit as it offers coverage against 20 listed critical illnesses along with base healthcare features.

    ICICI 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 Health AdvantEdge annual health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child

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The Final Verdict

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.

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

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February 16, 2024

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February 16, 2024

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Gandhinagar

February 16, 2024

I am really happy with the customer service of PolicyX. I got my health insurance policy from Niva Bupa, and the members of the team helped me prepare my mind and finances for the policy.

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Bhopal

February 16, 2024

PolicyX insurance experts helped me enjoy the full potential of my Aditya Birla Health Insurance plan by informing me of all the impressive wellness benefits provided by the insurer.

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Kolkata

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Mysore

February 16, 2024

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Ranchi

February 16, 2024

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Simran Saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.