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Family health plans are essential for protecting your loved ones' futures in the face of adversity. The best health insurance for family provides financial stability through a variety of features and advantages. Multiple family members can be covered by the same family health plan; conventional family medical insurance covers 6-8 members, but other policies cover even more. PolicyX assists clients in comparing and obtaining the finest health insurance for their families, as well as providing efficient claim settlement service. The following are the basic eligibility criteria for the best health insurance plan for family.
3 months to 18 Years
Children : 25 Years
Adult : 65 years
Cashless Claim Settlement
INR 1.5 L to 2 Cr
Available
Available
The health insurance plans in India for family widely cover
Family Health Insurance is a category of health insurance plans that covers the individual along with their other dependents and family members such as a spouse, dependent children, and dependent parents or parents-in-law under one single policy. Best medical insurance for a family offers comprehensive cover for all family members without any additional or hidden premium charges and offers the best health care possible for planned and unplanned medical attention allowing you to lead a stress-free life. The best medical insurance for family includes features such as
There is a wide range of family medical insurance plans in India, out of which here are some of the top health insurance policies for families to make your search easier. PolicyX has shortlisted these plans on the basis of maximum cover amount, comprehensive coverage and benefits, flexibility, reliability of the insurance provider, a huge list of network hospitals, etc.
Family Health Plans | Sample Annual Premium 2A+2C | 30Yr | 10L |
Benefits | Eligibility |
Star Health Comprehensive Plan | INR 24686 |
|
Sum Insured: 5 Lakhs to 1 Cr Entry Age: 3 months to 65 years |
Star Family Health Optima | INR 20345 |
|
Sum Insured: 3 Lakhs to 25 Lakhs Entry Age: 18 years to 65 years |
Care Plan | INR 20177 |
|
Sum Insured: 3 Lakhs to 75 Lakhs Entry Age: 91 days to no upper age limit |
Niva BUPA Health Companion | INR 21631 |
|
Sum Insured: 2 Lakhs to 1 Cr Entry Age: 91 Days to no upper limit |
Niva BUPA Health Reassure | INR 20421 |
|
Sum Insured: 3 Lakhs to 1 Cr Entry Age: 18 years to 65 years |
You can find the details of the above-mentioned family insurance plans in the section below:
This policy is designed to provide complete protection against all health care eventualities to you and your family.
Unique Features
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
A comprehensive health plan for individual and family with SI of 3 lacs to 6 Cr. with global coverage.
Unique Benefits
A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakh to 1 Crore) and continues to give you more benefits.
Unique Features
An individual and family plan that covers all day care treatments, modern treatments, comes with a safeguard add-on and provides annual health check-ups.
Unique Features
To understand which family health insurance plan should you invest in we have curated a list of features of the best health policy for family:
Entry Age | Minimum: 3 Months Maximum: 65 years |
Renewal | Lifelong Renewal |
Sum Insured | INR 5 Lakh to INR 1 Crore |
Policy Term | 1/2/3 years |
Pre-Policy Medical Screening | Not Required |
Entry Age | Minimum: 16 Days Maximum: 65 years |
Renewal | Lifelong Renewal |
Sum Insured | INR 1 Lakh to INR 25 Lakh |
Policy Term | 1/2 years |
Pre-Policy Medical Screening | Not Required |
Sum Insured | Minimum: 91 Days Maximum: No limit |
Renewal | Lifelong Renewal |
Sum Insured | INR 3 Lakh to INR 6 Crore |
Policy Term | 1/2/3 years |
Pre-Policy Medical Screening | N/A |
Entry Age | Minimum: 18 Years Maximum: N/A |
Renewal | Lifelong Renewal |
Sum Insured | INR 3 Lakh to INR 1 Crore |
Policy Term | 1/2/3 years |
Pre-Policy Medical Screening | N/A |
Entry Age | Minimum: 18 years Maximum: N/A |
Renewal | Lifelong Renewal |
Sum Insured | INR 5 Lakh to INR 1 Crore |
Policy Term | 1/2/3 years |
Pre-Policy Medical Screening | N/A |
In contrast to individual health insurance, family health policies cover the entire family. These exceptional plans cover all of your chosen family members for a single premium, eliminating the need for you to pay separate premiums for each family member. Aside from the single premium USP, there are numerous additional features of the best family insurance plans for family.
There are numerous benefits involved when purchasing the best health insurance for family.
As there are numerous options accessible, a variety of factors influence the decision of how much sum insured is sufficient and which is the best health insurance for family. You must consider sum insured required for your entire family on the basis of your income, the features available under the plan, future requirements and more. The easiest way to to determine the amount of sum insured required by you and your family is to calculate if the sum insured is at least 200% of your annual income.
Recommendation: Choose a higher cover if you have 2 senior citizens covered under your family floater plan. Or you can buy a senior citizen plan for them and cover your partner and children under the health insurance for the family.
To get a better idea of how much coverage is required in different scenarios and how the premium will be affected, we have shared a few sample coverage and premiums below:
Policyholder's Age | Sum Insured | Sample Annual Premium |
30 Years | 15 lakhs | INR 27,790 |
Policyholder's Age | Sum Insured | Sample Annual Premium |
30 Years | 20 lakhs | INR 31,125 |
Policyholder's Age | Sum Insured | Sample Annual Premium |
30 Years | 25 lakh | INR 48,972 |
Check Your Premium
Buying a health insurance plan for a family is a huge responsibility as it provides you the required medical support, healthcare facilities, and ease of receiving quality medical treatments in an emergency. Therefore, several aspects should be considered carefully before purchasing a mediclaim for a family to ensure it meets all your needs. These are:
Check the coverage benefits offered under the plan such as expenses covered, sum insured options, key benefits, add-on riders, critical illness cover, etc.
Check the list of network hospitals to avail of cashless hospitalization facilities. Choose an insurance plan from the insurer, offering a wide range of network hospitals.
Always go for the plan that meets your requirements in terms of the sum insured, the number of members covered, minimum and maximum entry age.
Go for an insurer that has a simple, quick, and hassle-free claim settlement process.
Pick the plan offering maximum flexibility to add features, increase the sum insured at the time of renewal, etc.
When it comes to buying a mediclaim for family, the number of family members covered becomes a crucial thing. Most health companies covered 5 dependents other than the policyholder.
Many health insurance companies offer a "No Claim Bonus" of up to 100% which means if you do not claim in a policy year, your sum insured will increase up to 100% at the time of renewal of the policy.
Always go for the plan that offers a good number of add-on riders as add-on riders cover the costs of additional expenses. You can get these additional riders by paying a little more premium.
Choose a family health insurance plans that offer lifelong renewability.
Health insurance policy for families provides various advantages to the insured members such as:
Health insurance policy for families offer comprehensive, flexible, customised, and affordable coverage, depending on the mediclaim policy you choose for your family. In case you or an insured family member under health insurance plans for families, the following coverage is provided:
Disclaimer: The number of coverages offered and their amount may vary depending on the type of plan or the health insurer.
Medical insurance for families generally does not include some healthcare expenses and medical conditions. Mentioned below are some of the exclusions under mediclaim policies for families:
You can buy a mediclaim policy for your family either from the brand website of your desired insurance company or through PolicyX.com as it comes with an easy and user-friendly buying process that is safe, quick, and hassle-free and allows you to buy your policy from anywhere and anytime.
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2 types of claim processes are available for family health insurance claims. Choose the one at your convenience.
Due to the priorly set age brackets by all the insurers, you will have to produce the age proof of all the family members that you wish to include in the mediclaim policy for family. You can submit the following documents to prove that all of your family members fall into the age cap set by the insurance company:
Your address proof is required so that the insurance provider can send all the necessary documents to your place of residence. You can submit the following documents to prove your residency:
Identity proofs state your individuality to the insurance company. You can submit the following documents to the insurer:
Apart from your personal details, the insurer can ask for the medical reports of you and your family members. Health insurance plans for family require the medical history of all the members so that the insurer knows about the possible and pre-existing health issues. This particular information depends on the policy that you are purchasing or your insurer.
The insurer will provide you with a policy proposal form when you will purchase a mediclaim policy for family. You must fill the form with accurate details for yourself and your family and submit with the other required documents.
If you conduct a comparison of health insurance plans in India, you will find that a family plan is incredibly cost-effective and easy to manage. It takes away your worries, provides the best of benefits to each and every family member, and gives you peace of mind to carry on. Investing in a family health insurance plan is the need of the hour, so make sure you buy a suitable plan soon.
Following are the best family health insurance plans in India:
You can get a policy for 1, 2, or 3 years with a lifelong renewable option.
You can cover up to 6 family members in a family health insurance.
You can cover your spouse, dependent children and parents, and your other blood relatives and in-laws under a family floater plan.
Health insurance policies that cover the family members of a policyholder under a single policy are a mediclaim insurance for a family or a family floater policy. These insurance plans allow the policyholder to cover spouse, children, parents, and parents-in-law and offer common healthcare benefits to all insured members.
Mediclaim insurance for families is considerably cost-effective as compared to individual health plans. You pay an annual premium only once for all the family members insured under a single family floater plan.
Yes, you can cover senior citizens under a family floater plan as various mediclaim policies for families allow that. However, it is suggested to add children in a family floater and cover parents above 60 under a senior citizen health plan to avail of better coverage and facilities.
Yes. Most family health plans look after AYUSH (Ayurvedic, Homeopathy, Siddha, and Unani) treatment expenses. Still, it's advisable to check with your chosen provider before making the purchase decision
You can include yourself, spouse, and your children under your mediclaim policy for family. Some policies also let you include your siblings as well as some relatives such as nephews, niece and in-laws who reside with you.
The sum insured of health insurance plans for family depends upon the factors such as the health condition of the members, pre existing health issues and the minimum coverage each member should get individually. As it is said that each individual should have a minimum 5 lakhs worth of health insurance plan, buy a policy that at least allows this much to each member of the policy. You can also opt for a sum insured enhancement featured policy so that the sum insured can be revised at the time of renewal.
Choosing the best mediclaim policy for family comes with various factors such as coverage, features of the policy such as pre and post hospitalization, ambulance cover, good amount of network hospitals, claim settlement process and policy renewal options.
It depends from policy to policy and which one you select for your loved ones. Usually, dependent kids are covered from 91 days to 25 years of age only if they are financially dependent on you.
The best health insurance policy for family have different waiting periods available which are mentioned below:
Yes, insurance holders can avail of cashless hospitalization under the best health insurance plan for families and do not have to worry about bill settlements with the hospital. They can inform their insurer and let them handle the billing process while they can focus on the recovery of their loved ones or themselves.
It depends entirely on your status. If you are an individual who has no responsibilities and is not married then they can opt for an individual health insurance policy whereas individuals with dependent children and parents must invest in the health insurance plans for family.
Explore top health insurance companies to buy the most suitable mediclaim policy for families.
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May 1, 2023
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Bhopal
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Chandigarh
May 1, 2023
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May 1, 2023
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Bengaluru
May 1, 2023
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Durgesh Kumar
Jaipur
March 25, 2023
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