Health Insurance Plans For Family

Family Health Insurance Plans gives you and your family stress-free coverage for several medical emergencies. Additionally, you get exclusive benefits and offers, cashback benefits, easy renewals, and many more for covered family members. Scroll down to learn in detail.

...Read more

Buy Policy in just 2 mins

Buy Policy in just 2 mins

With expert guidance from advisors

Happy Customers

2 lakh + Happy Customers

Real-time Reviews & Testimonials

Free Comparison

Free Comparison

Easy & Efficient Comparison Tool

Family health insurance

PolicyX has been customer-oriented & trusted for 10 years now!

PolicyX Exclusive Benefits

Buy Policy in just 2 mins

Buy Policy in just 2 mins

With expert guidance from advisors

Happy Customers

2 lakh + Happy Customers

Real-time reviews on Google

Free Comparison

Free Comparison

Find the best policy for you

Family health insurance

PolicyX has been customer-oriented & trusted for 10 years now!

Best Health Insurance Plans for Family in India 2024

Cover your entire family under a single health plan.

A family health insurance plan is a type of health insurance plan that covers the medical expenses of your entire family under one plan. To help you with the decision-making, PolicyX has come up with some of the best family health insurance plans considering their features and benefits from the top health insurance companies in India. Have a look below:

Family Health Insurance

A family health insurance plan is a type of health insurance plan that covers the medical expenses of your entire family under one plan. To help you with the decision-making, PolicyX has come up with some of the best family health insurance plans considering their features and benefits from the top health insurance companies in India. Have a look below:

...Read more

Plan Name

Entry Age

Members Covered

Sum Insured

Premium
Starting from

View Plan

Niva Bupa

Niva Bupa ReAssure 2.0

18 - 65 years

6

Upto 1 Crore

768/month

Niva Bupa

Niva Bupa Aspire

18 years

6

Upto 1 Crore

719/month

Aditya Birla

Aditya Birla Activ Health Platinum Enhanced

91 Days

5

Upto 2 Crore

5,029/month

ManipalCigna

ManipalCigna ProHealth Prime Advantage

18 years

5

Upto 1 Crore

909/month

Star Health

Star Health Assure

16 days

9

Upto 2 Crore

960/month

Care Health

Care Supreme

18 years

6

Upto 1 Crore

929/month

Star Health

Star Family Health Optima

16 days

5

Upto 25 Lakh

497/month

Care Health

Care Classic

91 Days

4

Upto 15 Lakh

707/month

ICICI Lombard

ICICI Lombard Health AdvantEdge

18 years

4

Upto 3 Crore

865/month

TATA AIG

TATA AIG Medicare

18 years

7

Upto 20 Lakhs

661/month

Why These Plans Are the Best?

So, we have chosen these ten plans for many legitimate reasons. Want to know what they are? Read below to understand in detail.

  1. Niva Bupa Reassure 2.0

    One of our top recommendations, Niva Bupa Reassure 2.0 is the best plan for those who are looking for comprehensive coverage. The quote for this plan says, "Nothing seems impossible". It is like your health superhero, protecting you from unexpected medical expenses.

    Why is it one of the best?

    • This plan provides extensive coverage for specific diseases like diabetes and hypertension.
    • This plan can be your personal accident cover and gives coverage if there is any accident-related medical care needed.
    • Lock the Clock benefit, in which your premium will not increase based on your age, and you just have to pay the same premium until you make the claim.
    • This plan will motivate you to stay healthy and give rewards if you stay healthy.
    • Also, covers modern treatments like robotic surgeries.
    • With this plan, you will benefit from health checkups starting from Day 1.

    This plan comes with FIVE variants- Platinum+, Titanium+, Bronze+, Gold, and Bronze.

  2. Niva Bupa Aspire

    Niva Bupa Aspire is the recently launched and most selling plan by Niva Bupa. The reason behind the success of this plan is its Plus in everything, starting from their variants to their benefits.

    Why is it one of the best?

    • M-iracle benefit for women and couples who are stepping into parenthood.
    • You can carry forward the unutilised base sum insured accumulated up to 10 times under the Booster+ benefit.
    • Lock the Clock+, ensures that your premiums will stay the same even in maternity benefits.
    • This plan makes you future-ready with the future-ready benefits in which you can add your future spouse in advance.
    • You can also go for international medical treatment in case you want to with the borderless benefits.
    • With the Safeguard+ benefits, you will be safeguarded against all the ordeals. This benefit will cover non-payable items, and also it protects you against inflation.

    You can choose the best among the 4 variants that are- Gold+, Diamond+, Platinum+, and Titanium+.

  3. Aditya Birla Activ Health Platinum Enhanced

    Aditya Birla Activ Health Platinum Enhanced plan strikes a great balance between affordability and extensive coverage in health insurance. It is the best choice if you are seeking a budget-friendly option with comprehensive protection. Beyond hospitalisation costs, it covers maternity expenses, outpatient department expenses, chronic disease management and much more.

    Why is it one of the best?

    • Covers for dental consultation and investigations on a cashless basis.
    • You can double your sum insured in just 2 claim-free years.
    • Get mental illness hospitalisation covered, pre- and post-hospitalisation.
    • And amazingly, you can earn up to 100% of your premiums by just staying healthy.
    • This plan covers the medical expenses for the donor as well, in case you require organ donation.
  4. ManipalCigna ProHealth Prime Advantage

    A health insurance that gives 360-degree coverage. This plan ensures a maximum of 2 adults and 3 children under the single policy. ManipalCigna ProHealth Prime Advantage is designed to be easier on your wallet. Also, with this plan, you will get the freedom to choose the type of room you want to stay in during your medical treatment procedure.

    Why is it one of the best?

    • You can avail of an unlimited restoration of the sum insured that is up to 100% of the base sum insured.
    • Get the optimum level of care with an annual health check-up benefit from the first year of the policy.
    • Worldwide emergency coverage with out-patient coverage benefits, if you need emergency medical treatment when abroad.
    • You have the power to switch off the policy for up to 30 days in case you are travelling abroad.
    • You will get the freedom to choose any room you want for your medical treatment.
    • The plan gives you the advantage of teleconsultation that you can use anytime.
  5. Star Health Assure

    Star Health Assure is a versatile plan that will give complete coverage for everyone in your family. It covers up to 9 members of the family, in which you can cover 6 adults and 3 children. It is the indemnity plan that also financially protects you and your family in case of hospitalisation due to illness or accident.

    Why is it one of the best?

    • This plan has the power to restore your sum insured even if it gets exhausted during the policy year.
    • Stay healthy and get exciting discounts with this plan.
    • You will get high sum insured options with up to INR 2 Crore.
    • You can also avail of the expenses incurred for rehabilitation and pain management treatment.
    • Annual health check-up benefit, to every insured member.
  6. Care Supreme

    Care Supreme Plan is an extensive coverage health insurance plan that safeguards you and your family members. The basic standard insurance coverage of this plan helps you to meet your health and wealth goals at the same time by covering pre-hospitalisation, post-hospitalisation, daycare procedures, organ donor expenses and much more.

    Why is it one of the best?

    • This plan gives broad coverage including daycare procedures, advanced medical treatments, AYUSH treatments, and much more.
    • Get the highest cumulative bonus super of 500% to boost the sum insured.
    • This plan allows you to get the benefit of unlimited automatic recharge of the sum insured so that you and your family can get continued coverage.
    • This plan offers unlimited e-consultation and special discounts on several services.
    • Avail a 30% bonus for maintaining a better lifestyle with the wellness benefits.
    • Also, you will get a claim shield for all the non-payable items.
  7. Star Family Health Optima

    This is a supersaver policy covering every family member. Star Family Health Optima is a strategically priced family health insurance plan that offers comprehensive medical coverage to fulfil the different needs and requirements of your family. Also, it allows you to maintain a healthy lifestyle by guiding you through their app.

    Why is it one of the best?

    • In case of emergency, you can fly with the help of an air ambulance which is also covered.
    • You will get an additional sum insured in case the insured met with an accident.
    • This plan also covers the cost of medical treatment.
    • The minimum entry age of this plan is 16 days and also covers the person up to 65 years.
    • Most importantly, you will get lifelong renewability with this plan.
  8. Care Classic

    With the Care Classic plan, you will get coverage based on your residential zones. This plan is perfect for you if you are a married couple, a joint family, or a young family. You will get expenses for hospitalisation, domiciliary treatment, doctor consultation, and many added services.

    Why is it one of the best?

    • You can add two riders which are OPD benefits, which cover the cost of doctor consultation and an annual health check-up rider which covers pre-selected health checkups.
    • This plan covers the treatment cost of cataracts.
    • In the case of organ donation, you will get the coverage of an organ donor.
    • Considering today's scenario, this plan also covers the cost of IVF treatment and gives every couple a chance to enjoy parenthood.
    • You will get coverage for pre-existing diseases after a 48-month waiting period.
  9. ICICI Lombard Health AdvantEdge

    A very inclusive plan that covers almost everything that might be medically needed by your family and more. ICICI Lombard Health AdvantEdge policy provides a wide range of sum insured with high benefits. It is a family health insurance that secures your loved ones with a multitude of features. It provides a wide range of coverage against 20 critical illnesses including cancer.

    Why is it one of the best?

    • Get the benefit of annual health check-ups starting from 1st year.
    • Covers 20 major critical illnesses including cancer.
    • No need for pre-policy health check-ups.
    • You can get cashless hospitalisation at 7500+ hospitals in India.
  10. TATA AIG Medicare

    TATA AIG Medicare Plan is designed keeping in mind the increasing cost of medical expenses. This upgraded and simplified plan covers people starting at 5 years old until 65 years old. The plan clearly says not to compromise when it comes to our health.

    Why is it one of the best?

    • Get a special bonus for being healthy.
    • No reason to split the bill, as your insurer bears all the cost of the treatment.
    • Gives global coverage, so you can also opt for the treatment outside India.
    • It also covers the expenses incurred for the Bariatric surgery.

Other Family Health insurance Companies

Why These Plans Are the Best?

A family health insurance plan is a cost-effective way to make sure that everyone you care about has access to quality healthcare without needing separate policies for each person. Here is how a family health plan will work for you.

Multiple Members, One Plan

A family plan will cover you, your partner, and your dependent children; sometimes the plan also covers in-laws.

Shared Sum Insured

There is a maximum amount the insurance company will pay for the covered medical expenses per year. This amount is shared among all the insured family members.

More Affordable Premiums

It is typically cheaper to insure the whole family under one plan than to buy individual policies for everyone.

Things to Consider Before Choosing the Right Family Health Insurance Plan

When you are looking for the best health insurance plan for your family, you need to consider a few points. Although it is an overwhelming process, there are some factors that you need to consider to ensure you find a plan that exclusively fits your family's needs and budget.

Things to Consider
  • Number of family members you need to cover.
  • Policy's renewal clause to understand the terms.
  • The company should have a good claim settlement ratio.
  • Your plan should cover the medical needs of your family.
  • Sufficient sum insured to cover potential hospitalisation cost.
  • Exclusions of the policy.
  • Reputation of the company.
  • The age of each of your family members.
  • Compare and contrast different policies.
  • Number of network hospitals the plan covers.

To know more about how to choose the right health insurance plans, click here

Things to Consider

Health Insurer Network Hospitals

How PolicyX Can Help?

Choosing the right family health insurance plan can be a daunting task, but it is crucial to secure your loved ones' well-being. You can reach out to us, we can simplify your search for the best family health insurance plan. We do compare quotes for you and suggest you the best plan. Let us help you find the peace of mind that comes with knowing your family is protected. Visit our website or talk to one of our advisors today to get started!

Family Health Insurance: FAQs

1. What are the benefits of having a family health insurance plan?

Family health insurance plan offers several benefits like cost-effective, shared sum insured, convenience, and wider coverage options.

2. How many family members can be covered under a family health insurance plan?

Although, the number will depend on plan to plan. But, generally, a family floater plan allows 4 to 5 members in the plan.

3. How PolicyX can help to buy the best family health insurance plan?

PolicyX can help you by:

  1. Comparing quotes from different insurance companies
  2. Recommending plans based on your family's needs and budget
  3. Simplifying the search process
  4. Guiding you to understand plan features and exclusions

4. Is there any waiting period for claiming benefits under a family health insurance plan?

Yes, most plans have a waiting period for pre-existing conditions, typically ranging from 2 to 4 years. You cannot claim for illnesses diagnosed before the waiting period ends.

5. Which is the best health insurance plan for a family in 2024?

We have mentioned below some of the Top 5 family health insurance plans that offer holistic coverage:

  1. Niva Bupa Reassure 2.0
  2. Aditya Birla Activ Health Platinum Enhance
  3. ManipalCigna Prime Advantage
  4. Star Health Assure
  5. Care Supreme

To know more, please read the above article or call us at 1800 4200 269

6. What is the policy term option for family health insurance?

You can get a policy for 1, 2, or 3 years with a lifelong renewable option.

7. How many people can be covered under family health insurance?

You can cover up to 6 family members in a family health insurance.

8. Which family member can I cover under the family health plan?

You can cover your spouse, dependent children and parents, and your other blood relatives and in-laws under a family floater plan.

9. Are family health plans cheaper than individual health plans?

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.

10. My parents are above 60, Can I cover them under a 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.

11. Does the family health insurance offer coverage for AYUSH treatments?

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

12. How much coverage should I opt for a family health insurance policy?

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.

13. How long can I cover my dependent children under the best medical insurance for family?

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.

14. Is cashless hospitalization available under the best health policy for family?

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.

15. What are the documents required for a family health insurance plan?

The documents required to purchase the family health insurance plan are

  • Age proof
  • Address Proof
  • Identity proof
  • Medical Reports

16. Can I add family members in the middle of policy tenure?

Newborn babies can be included under a family health insurance plan during the middle of a family health insurance policy. However, adding other family members will mean that you have to wait for renewal.

17. Do I need a family health insurance plan if my family members are covered under my corporate medical insurance?

Yes, it is best to invest in a family health plan since most of the time a corporate health plan will not offer you adequate coverage for you and all of your family members.

Health Insurance Companies

Explore top health insurance companies to buy the most suitable mediclaim policy for families.

What Our Customers Have to Say

Customer Review Image

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...

Customer Review Image

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...

Customer Review Image

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, ...

Customer Review Image

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.

Customer Review Image

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.

Customer Review Image

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.

Customer Review Image

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

Customer Review Image

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 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.