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Health Insurance Plans for Family in India

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.

Minimum Entry Age

3 months to 18 Years

Maximum Entry Age

Children : 25 Years
Adult : 65 years

Claim Settlement

Cashless Claim Settlement

Sum Assured

INR 1.5 L to 2 Cr

No-claim bonus


Tax Benefits


The health insurance plans in India for family widely cover

  • Individual
  • Spouse
  • Dependent Children
  • Parents or Parents-in-law

What is Family Health Insurance?

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

  • Pre and post hospitalization
  • Maternity Care
  • Annual Health Check-ups
  • AYUSH treatments
  • Organ donor cover and more

Best health insurance for family in India 2023

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
  • Auto Restoration
  • Hospital Daily Cash
  • Air Ambulance Expense
Sum Insured: 5 Lakhs to 1 Cr
Entry Age: 3 months to 65 years
Star Family Health Optima INR 20345
  • Daycare Procedures
  • Pre and Post Hospitalization
  • Road Ambulance
Sum Insured: 3 Lakhs to 25 Lakhs
Entry Age: 18 years to 65 years
Care Plan INR 20177
  • Organ Donor Cover
  • Domiciliary Hospitalization
  • Ambulance Cover
Sum Insured: 3 Lakhs to 75 Lakhs
Entry Age: 91 days to no upper age limit
Niva BUPA Health Companion INR 21631
  • Emergency Ambulance
  • Rome Rent Cover
  • Animal Bite Vaccination Covered
Sum Insured: 2 Lakhs to 1 Cr
Entry Age: 91 Days to no upper limit
Niva BUPA Health Reassure INR 20421
  • Emergency Ambulance
  • Accommodation Cash Benefit
  • Day Care Treatment
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

  • Avail free health check-ups
  • Hospital Cash Benefit
  • 100% Automatic Restoration

Star Comprehensive Plan (Pros)

  • 99.6% CSR
  • Up to 1 Cr SI
  • Maternity Cover
  • New Born Baby Cover
  • Road and Air Ambulance

Star Comprehensive Plan (Cons)

  • No Global Coverage
  • No IVF Treatment
  • No compassionate Travel
  • HIV/AIDS not covered

Star Comprehensive Plan (Other Benefits)

  • Individual and family floater
  • Mid-term inclusion available
  • Accidental Death
  • Permanent Total Disablement
  • Star Wellness Program

Star Comprehensive Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

Family Health Optima Policy (Pros)

  • No Pre-Policy Check-up
  • Lifelong Renewability
  • High SI available
  • COVID-19 cover
  • OPD covered

Family Health Optima Policy (Cons)

  • PED cover not available
  • Obesity Treatment Unavailable
  • Hazardous Activities
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Family Health Optima Policy (Other Benefits)

  • Long term discounts
  • Premium Payment flexibility
  • Health Check-up Cover
  • Domiciliary Hospitalization
  • Modern Treatment Cover

Family Health Optima Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

A comprehensive health plan for individual and family with SI of 3 lacs to 6 Cr. with global coverage.

Unique Benefits

  • In-built maternity cover
  • No upper age limit for enrollment
  • Coverage for modern treatments

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

  • Covers a maximum of 6 members
  • Unlimited SI restoration
  • Coverage for modern treatments

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

  • No room rent capping
  • 20% no-claim bonus on SI
  • 100% SI restoration

Health Companion V2022 (Pros)

  • 5% Doctor Discount
  • 10% Family discount
  • Tenure Discounts of upto 15 %
  • Annual Aggregate Deductible
  • Home Care Treatments

Health Companion V2022 (Cons)

  • No OPD Cover
  • No Maternity Cover
  • Cosmetic Surgery Uncovered
  • Specific Diseases after 2 yrs
  • No Alcoholism Cover

Health Companion V2022 (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Vaccination on Animal Bite
  • Organ Donor Benefit
  • Domiciliary treatments

Health Companion V2022 (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Features of the Top 5 health insurance plans for family

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:

  1. Star Health Comprehensive Plan Features

    • The star health comprehensive plan offers a wide range of coverage from INR 5 lakh to INR 1 Crore. It allows individuals to select the required Sum Insured according to their family requirements.
    • The plan has a flexible premium payment policy. The premium can be paid quarterly and half yearly as well as annually, biennial (once in 2 years) and triennial (once in 3 years).
    • Cumulative Bonus is available under Star Health Comprehensive Plan up to a maximum of 100% for every claim free year.
    • The plan covers outpatient consultations and treatment.
    • As a diverse family cover, the plan covers maternity benefit and offers cover for normal and c-section deliveries.

    Eligibility Criteria

    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
  2. Star Family Health Optima

    • The star family health optima is among the top 5 health insurance plans for families. A versatile plan with affordable premiums with maximum coverage.
    • The plan offers a recharge benefit on the exhaustion of the sum insured amount and can be availed for the treatment of any illness/injury.
    • Star family health optima plan covers organ donor expenses.
    • A wellness program is embedded in the plan in order to provide insurance holders with the best recovery and motivate them toward an active lifestyle.
    • 2-year policy term.

    Eligibility Criteria

    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
  3. Care Plan

    • A global health plan with a vast scope of coverage and high-sum insured options.
    • Global Coverage is available for you and your family under this plan.
    • The care plan offers up to 540 daycare treatments for individuals who are insured under this plan.
    • The plan offers multiple rider benefit options such as COVID Care with OPD, No claim super bonus, Covid Care, Unlimited automatic recharge, and more.
    • International Second Opinion is available with Care Health Plan.

    Eligibility Criteria

    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
  4. Niva Bupa Health Companion

    • Offers Health Insurance Cover for you and your family up to INR 1 crore.
    • In case of sum-insured exhaustion, you can avail of a 100% sum-insured refill benefit for the treatment of any different illnesses.
    • No third-party agents are involved while the claim settlement process making it smooth and hassle-free for insurance holders.
    • The policy provides lifelong renewal with no extra loading based on your claim history.
    • Avail AYUSH Treatments under Niva Bupa Health Companion plan.

    Eligibility Criteria

    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
  5. Niva Bupa Health Reassure 2.0

    • Two Plan variants are available under Health Reassure 2.0 namely, titanium+ and platinum+ with high-sum insured options
    • 5 Lakh to 1 Crore SI available for individuals and family floater plan variants.
    • Air Ambulance cover available for up to 2.5 Lakh per hospitalization.
    • Insurance holders can avail of booster benefit which means that the unutilized base Sum insured carries forward to the next policy year for a maximum of up to 5 times or 10 times of Base Sum Insured.
    • Organ Donor cover is available for policyholders.

    Eligibility Criteria

    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

Other Family Health insurance Companies

Top 10 Family Floater Health Insurance Plans
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Features of health insurance plans in India for Family

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.

  • High Sum Insured
    As there are several family members to cover under a single premium, health insurance plans for families give a wide variety of sum insured options, and a large sum insured allows insurance holders to decide the required quantity of coverage for their family.
  • Tax Benefits
    Health insurance plans in India for family are eligible for tax benefits under the income tax act of India section 80D.
  • Additional Benefits
    Family floater health insurance provides numerous value-added benefits to insured lives, including as wellness programmes, discounts, and add-on covers such as maternity and new-born coverage, among others.
  • Add multiple family members
    The best mediclaim policy for family ensures that you can cover all members of your family under a single health insurance policy for a low premium. It is simple, painless, and effective to include other members of your family under a single family mediclaim insurance and offers all the essential features.
  • Annual Medical tests
    Annual medical check-ups are available to insurance holders based on their family medical insurance. The feature is one of many available features in India's numerous family health plan.

Benefits of health insurance plans in India for family

There are numerous benefits involved when purchasing the best health insurance for family.

  • Affordable
    The best health insurance policy for family provides coverage for several family members with a single premium payment, resulting in a low cost and the ability for insurance holders to save money.
  • No claim Bonus
    Various family health insurance plans in India provide policy holders no-claim bonus options ranging from 50% to 100% of SI at the time of renewal.
  • Hospitalization cover
    In the event of an emergency or planned hospitalization, insured family members can use cashless hospitalization at network hospitals. Covered family members can be admitted and focus on their recovery without worrying about medical expenditures.
  • Maternity Cover
    Various family medical insurance policies provide maternity coverage, which is necessary and beneficial for your spouse who may be financially dependent on you. Under a family health insurance plan, policyholders can obtain maternity coverage for a low fee.
  • Critical Illness Cover
    In the event that an insured family member suffers from a critical illness, you can use the critical illness cover to prevent your hard-earned money from being wasted on costly critical illness treatments. If you have elderly parents who rely on you, a critical illness cover under the family health insurance plan may benefit you and relieve you of the stress of dealing with such a sickness.

Deciding Sum Insured Required Under Family Health Plan

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:

2 Adults + 1 children

Policyholder's Age Sum Insured Sample Annual Premium
30 Years 15 lakhs INR 27,790

2 Adults + 2 children

Policyholder's Age Sum Insured Sample Annual Premium
30 Years 20 lakhs INR 31,125

1 Adult + 1 child + 1 senior citizen

Policyholder's Age Sum Insured Sample Annual Premium
30 Years 25 lakh INR 48,972

Check Your Premium

Factors to Consider While Buying Health Insurance Plan for Family

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.

Network Hospitals

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.

Claim Process

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.

Number of family members covered

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.

Sum insured enhancement option

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.

Add-on Riders

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.

Benefits of Family Health Insurance

Health insurance policy for families provides various advantages to the insured members such as:

  • Cashless Hospitalization: Policyholders can avail hospital facilities without having to worry about paying hospital bills.
  • Health Insurance for parents: You can also cover your elderly parents under the same mediclaim for family.
  • Affordable Premiums: You don't have to pay individual premiums for each family member under a family health insurance plan. you can cover your spouse, child, and parents under the same plan at an affordable cost.
  • Add new members: Policyholders can add new members under a family health insurance plan at the time of renewal.
  • COVID-19 Treatment: Family health insurance plans in India covers the cost of covid-19 related treatment.
  • Tax Benefits: Policyholders are eligible for a tax benefit under section 80D of the Income Tax Act.
Benefits of Family Health Insurance

What is Covered under Family Health Insurance?

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:

  • In-patient Hospitalization: Inpatient hospitalization is a type of inpatient facility, where the insured is admitted to the hospital and spends 24 hours or more depending on his/her condition.
  • 30 days pre-hospitalization: Medical expenses of up to 30 days before your hospitalization are covered.
  • 90 days post-hospitalization: Medical expenses of up to 60 days after you get discharged from the hospital are covered.
  • Day-care treatment: More than 500 day-care treatments are covered under family health insurance plans in India.
  • Domiciliary Treatment: Home hospitalization due to unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get the medical expenses covered under family health insurance plans in India.
  • AYUSH Treatment: Coverage for treatments like Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy are covered family health insurance plans in India.
  • Ambulance charges: Mediclaim for family in India offer up to INR 2K per hospitalization to move the patient from home to hospital, transfer to another hospital, and take them for different tests outside the hospitals.
  • Maternity Cover: It covers the expenses for normal and c-section procedures deliveries after 1 year of the waiting period under family health insurance in India.
  • Organ Expenses: It covers the cost of the procedure for removing the damaged or malfunctioning organs from the body.
  • Vaccination: It covers the expenses incurred on vaccinations for animal bites.
  • Daily hospital cash: Insured will receive a cash amount of up to INR 8K each day during the time of hospitalization for a certain period.
  • Mental illness cover: If the insured is suffering from any mental illness then the cost of treatment will be covered under the health insurance plans in India for family.
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Disclaimer: The number of coverages offered and their amount may vary depending on the type of plan or the health insurer.

Family Health Insurance Exclusions

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:

  • OPD treatment
  • Sexual Transmitted Diseases
  • Self-inflicted injury
  • Illness due to drugs and alcohol abuse
  • Injury incurred due to adventurous sports

Buy Family Health Plan

You can buy a mediclaim policy for your family either from the brand website of your desired insurance company or through 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.

  • Get quotes from top insurers by filling up a form given at the top of this page.
  • Compare quotes of different insurers and select the desired plan as per your requirements.
  • Submit all the required details and documents.
  • Make the online payment and the policy documents will be shared at your e-mail address.

Family Health Insurance Claim Process

2 types of claim processes are available for family health insurance claims. Choose the one at your convenience.

Reimbursement Process

  • Intimate the company
  • Pay the hospital bills
  • Collect original bills and discharge summary
  • Fill and submit the claim form along with ID proof (Voted ID/Aadhaar Card/PAN Card) and canceled cheque
  • Insurer will verify the information and documents
  • Insurer will initiate the reimbursement process

Planned Hospitalization

  • Intimate the insurer before 48 to 72 hours of hospitalization
  • Insurance company will provide a confirmation letter
  • Submit your health card and confirmation letter
  • Insurance company will settle all the bills directly with the hospital

Emergency Hospitalization

  • Notify the insurer about the hospitalization (within 24 hours)
  • Fill and submit the claim form
  • Submit other required documents
  • The hospital will receive an authorization letter from the insurer
  • The medical bills will be paid directly by the insurer

Mandatory documents for Family Health Insurance

  1. Age Proving Documents

    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:

    • Aadhar card
    • PAN card
    • Voter ID card
    • Birth certificate
    • Driver’s license or any other document suggested by the insurer.
  2. Address Proof

    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:

    • Aadhar card
    • PAN card
    • Driver’s license
    • Bills such as electricity, telephone or gas pipeline bill
    • Any other document suggested by the insurer.
  3. Identity Proof

    Identity proofs state your individuality to the insurance company. You can submit the following documents to the insurer:

    • Aadhar card
    • Voter ID card
    • Passport
    • Birth certificate
    • 10th or 12th marksheet
    • Ration card or any other document requested by the insurer.
  4. Medical reports

    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.

  5. Proposal form

    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.

Family Health Insurance: FAQs

1. Best family health insurance plans in India?

Following are the best family health insurance plans in India:

  1. Star Health Comprehensive Plan
  2. Star Family Health Optima
  3. Care Plan
  4. Niva BUPA Health Companion
  5. Niva BUPA Health Reassure

2. 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.

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

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

4. 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.

5. What is mediclaim insurance for a family?

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.

6. 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.

7. 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.

8. 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

9. How many members can be added in a family health insurance policy?

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.

10. 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.

11. How to choose the best mediclaim policy for family?

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.

12. 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.

13. What are the waiting period criteria for the best health policy for family?

The best health insurance policy for family have different waiting periods available which are mentioned below:

  • PED (Pre-existing diseases) are covered after 2 to 4 years
  • Initial waiting period is of 30 days
  • Maternity cover is activated after 9 months to 2 years of policy purchase
  • Critical illness cover is activated after 90 days

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. Is a family health plan better than an individual health insurance plan?

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.

Health Insurance Companies

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

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