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.

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Best Health Insurance Plans for Family in India 2024

Family is one of the most important aspects of our lives. It is one of our most crucial duties to protect our family from any adverse event. But many of us still need to figure out how to secure our loved ones with family health insurance.

Even today, purchasing the right family health insurance can be overwhelming. The reason is simple, the market is full of health insurance plans dedicated to families and choosing the best one can be a serious and time-consuming task.

Let us help you out!

We at PolicyX are here to help you make this task as simple and efficient as possible. This article is a guide for you to make the best family medical insurance purchase decision. But before moving ahead let us understand what family health insurance is and how it is useful.

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Best Family Health Insurance Plans

Best Family Health Insurance Plans

Family Health Plans

Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.

Unique Features

  • Booster+ Benefit
  • Lock premiums at entry age
  • Health check-ups from day 1

Health ReAssure 2.0 Plan (Pros)

  • Personal accidents covered
  • Acute Care
  • Emergency Ambulance
  • Three Plan variants
  • Home Care Treatments

Health ReAssure 2.0 Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • Pre-Existing Diseases after 3 yrs.
  • Alcoholism not covered

Health ReAssure 2.0 Plan (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Second Opinion
  • Booster Benefit
  • Shared Accommodation Benefit

Health ReAssure 2.0 Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Activ Health Platinum Enhanced

A unique Plan with features such as a chronic management program, modern treatments, covid-19, and more.

Unique Benefits

  • High SI
  • Affordable Premiums
  • Wellness Benefits

Activ Health Platinum Enhanced (Pros)

  • Earn 100% Health Return
  • Cover for Dental Consultations
  • Modern Treatment Cover
  • Wellness Coach
  • Mental Illness Cover

Activ Health Platinum Enhanced (Cons)

  • Illness due to intoxicants
  • Change Of Gender Treatment
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Health Platinum Enhanced (Other Benefits)

  • Chronic Management Program
  • Premium Waiver Benefit
  • Reload of SI
  • Road Ambulance Cover
  • Second e-opinion

Activ Health Platinum Enhanced (Eligibility Criteria)

  • Entry Age - Years
  • Max Entry Age - Years
  • SI - 1 L to 1 Cr
  • Waiting Period - 30 Days

A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.

Unique Features

  • Premium Payment Flexibility
  • Wellness Program
  • Short Waiting Period

Assure Insurance Policy (Pros)

  • Second Medical Opinion
  • Health Check-up Covered
  • 100% Cumulative Bonus
  • Compassionate Travel
  • AYUSH Treatment

Assure Insurance Policy (Cons)

  • 10% Co-pay applicable
  • Deductibles
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Assure Insurance Policy (Other Benefits)

  • In Utero Fetal Surgery
  • Pain Management
  • Rehabilitation Cover
  • Organ Donor Cover
  • Modern Treatment Cover

Assure Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 75 Years
  • SI - 5 L - 2 Cr
  • Waiting Period - 30 Days

A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.

Unique Features

  • Unlimited E-consultations
  • Unlimited Automatic Restoration
  • Avail Up to 30% Discounts

Care Supreme Plan (Pros)

  • Day Care Treatments
  • No Sub-Limits
  • Emergency Ambulance
  • No-Claim Bonus
  • Organ Donor Cover

Care Supreme Plan (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Supreme Plan (Other Benefits)

  • Unlimited Recharge
  • 30% Renewal Discount
  • Unlimited E - Consultation
  • Wellness Benefits
  • Nutrition and Fitness Coaching

Care Supreme Plan (Eligibility Criteria)

  • Entry Age - 90 Days
  • Max Entry Age - No age limit
  • SI - 5 L to 15 L
  • 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 family floater plan that decides your policy premium based on the living cost of the city you reside in.

Unique Benefits

  • Covers IVF treatment
  • Compassionate travel coverage
  • Unlimited e-consultation

Care Classic (Pros)

  • Zone-Based Health Insurance
  • Family Floater Plan
  • Affordable Plan
  • High Sum Insured
  • Value Added Services

Care Classic (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Classic (Other Benefits)

  • Unlimited e-consultations
  • Annual Health Check-up
  • Wellness Services
  • OPD care
  • ENT Consultations

Care Classic (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

ICICI Lombard Health AdvantEdge is a holistic plan that covers the policyholder against 20 critical illnesses including cancer.

Unique Features

  • New Born Baby and Vaccine Cover
  • Domestic Air Ambulance
  • 24x7 video/telephone consultation

A health plan that supports you in times of medical emergencies. The plan comes in 3 types, Tata AIG MediCare, Tata AIG MediCare Protect, and Tata AIG MediCare Premier.

Unique Features

  • Global Coverage
  • 540+ Day care treatments
  • Compassionate Travel up to 20K

Medicare Health Insurance (Pros)

  • Qualified Nurse
  • Restore Benefit
  • Room Rent
  • Organ Donor
  • Domiciliary Treatment

Medicare Health Insurance (Cons)

  • Injury due to Suicide Attempt
  • Death due to Drugs
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • STDs

Medicare Health Insurance (Other Benefits)

  • AYUSH Benefit
  • Health Checkup
  • Bariatric Surgery Cover
  • Vaccination cover
  • 50%Cumulative Bonus

Medicare Health Insurance (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L - 20 L
  • Waiting Period - 30 Days

What is Family Health Insurance? - The Definition

Family health insurance is a type of health insurance that gives coverage for major and minor healthcare expenses to the entire family. Let us understand this with an example:

Mr. Ashok purchased a family health insurance plan in 2010 in which he covered his father, mother and other family members. In 2015, he met with an accident and had to be hospitalised for a few days. The hospital bill was settled by his insurer as he was hospitalised in a network hospital.

After a few weeks, his father required a few preventive health check-ups. A family floater plan successfully covered the diagnostics of his father along with Mr. Ashok's prior emergency hospitalisation.

A family health insurance plan covers the family members for different kinds of health emergencies in a single premium. However, the number of family members and relationships eligible for coverage under the family health insurance varies.

How Is Family Health Insurance Useful? - Coverage Offered

Now that you know what family health insurance is, let us have a look at the inclusions and how it is useful.

Family Health Plan Inclusions What Does It Mean?
In-patient hospitalization Expenses incurred on hospitalization of more than 24 hours due to any illness or injuries
Daycare Procedures Procedures that require less than 24 hours of hospitalization. For example- dialysis
AYUSH Treatments Alternative treatments like Ayurveda, Unani, Siddha, and Homeopathy are covered
Modern and Advanced treatments Surgeries and treatments done with the use of modern and advanced technology are covered
Organ Donor Expenses Expenses covered during transplantation of required organ for the insured individual
Ambulance and Air Ambulance Expenses covered for road and air ambulance
Lifetime Renewability Enjoy continuous health benefits with this feature
Restoration Benefit The sum insured is restored automatically in case of partial or complete SI exhaustion
No-claim Bonus Added to your sum insured at the time of renewal on completing claim-free policy years

Best Family Health Insurance Plans In India 2024

One of the most important sections in this article for you and your family's well-being planning!

Here are our top health insurance plans for your family.

Family Health Plans
Entry Age
Sum Insured
Best Features View Plans
Niva Bupa Reassure 2.0 Minimum: 18 Years
Maximum: 65 Years
5 L - 1 Cr Health check-ups starting from day 1
Niva Bupa Aspire Minimum: 1 Day
Maximum: No Limit
3 L - 1 Cr Lock the clock
Booster+
M-iracle benefits
worldwide coverage
Aditya Birla Activ Health Platinum Enhanced Minimum: 91 Days
No maximum age for entry
2 L - 2 Cr Pre and post-hospitalization cover for mental illnesses
ManipalCigna Prime Advantage Minimum: 91 Days
No maximum age for entry
5 L - 1 Cr Switch off your coverage when traveling abroad
Star Health Assure Minimum: 91 Days
Maximum: 75 Years
5 L - 2 Cr Utero-fetal surgeries are covered after a specific waiting period
Care Supreme Minimum: 90 Days
Maximum: 99 Years
7 L - 1 Cr Discounts on diagnostics, consultations, etc.
Star Family Health Optima Minimum: 16 Days
Maximum: 65 Years
1 L-25 L Includes compassionate travel
cataract surgery
Care Classic Minimum: 91 Days
Maximum: No Limit
5 L- 15 L Assisted Reproductive Treatment included
ICICI Lombard Health AdvantEdge Minimum: 91 Days
Maximum: 65 Years
5 L- 3 Cr Gives worldwide coverage
TATA AIG MediCare Health Insurance Minimum: 91 Days
Maximum: 65 Years
5 L- 50 L Covers for compassionate travel
What is Entry age?

The age (last birthday) at which you buy an insurance policy is your entry age to that policy. Insurance policies usually come with a minimum and maximum age at entry which means that you must attain a specific age or should be less than the maximum age to buy a policy.

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.

  1. Niva Bupa Reassure 2.0

    The plan covers up to 6 members of your family. This plan is economical and best for big families. With features like Lock the Clock, Live Healthy, Booster+, and much more, this plan is one of the best plans in the market. Under this plan, all non-payables are covered under the Safeguard+ feature. It gives full coverage whether you opt for hospitalisation or domiciliary treatment.

    Download the brochure of Niva Bupa Reassure 2.0:

  2. Niva Bupa Aspire

    Another amazing product for health insurance by Niva Bupa, the Aspire plan offers multiple benefits for a single premium. You will get end-to-end maternity benefits which include, tests, vaccinations, surrogacy, IVF, delivery procedure, and even legal adoption. Along with this, the plan offers the option for Global coverage, Lock the Clock/ Lock the Clock+, Booster+, future-ready benefits, live healthy benefits and OPD wallet. Niv Bupa Aspire Plan is the wholesome plan that you need and gives coverage for almost everything that you can imagine in the case of health insurance.

    Download the brochure of Niva Bupa Aspire:

  3. Aditya Birla Activ Health Platinum Enhanced

    This plan is the best as it covers chronic illnesses from day 1 of the purchase. Moreover, this plan will secure you with INR 2 Crore of Sum Insured. You will get coverage for conditions like mental illness hospitalisation, modern treatments, and much more. The insured individuals are entitled to a premium waiver in case of the detection of the listed critical illness. Also, you can double your sum insured in 2 claim-free years which is up to 1 Crore max.

    Download the brochure of Aditya Birla Activ Health Platinum Enhanced:

  4. ManipalCigna Prime Advantage

    Your comprehensive health insurance plan with in-built OPD coverage. You can customise the plan as per your specific requirements. You can also, restore 100% of your sum insured any number of times be it for a related or unrelated illness. With the add-on benefit, you can add infertility treatments up to INR 2.5 Lakhs above the maternity limits. The critical illness riders with this plan give coverage for 11 listed critical illnesses.

    Download the brochure of ManipalCigna Prime Advantage:

  5. Star Health Assure Plan

    The plan offers multiple features such as a star wellness program, second medical opinion, organ donation, maternity cover, newborn baby cover, modern treatment, AYUSH treatment and much more. It is a comprehensive plan that will be suitable for your family, and you can add up to 6 adults and 3 kids. You can avail up to 20% discounts on renewal premiums on completing your fitness activities. You can also get long-term discounts for being associated with the Star Health Assure plan.

    Download the brochure of Star Health Assure Plan:

  6. Care Supreme

    The plan gives multiple health benefits such as doctor on chat, and discounts on services like consultations, diagnostics, maternity, and much more. Care Supreme is a comprehensive health plan that offers a large amount of sum insured options to its customers ranging between 7 Lakhs to 1 Crore. Additionally, the claim shield rider of this plan offers coverage for expenses related to 68 non-payable items during hospitalisation. You can also modify the waiting period as per your requirements.

    Download the brochure of Care Supreme:

  7. Star Family Health Optima

    The policy gives wellness rewards for keeping yourself healthy. With this plan, you can cover yourself and your loved ones too. It is a super saver policy, which gives extra benefits in a single sum insured. Its special features include domiciliary hospitalisation, organ donor expenses, health check-up costs and much more. You can also get assisted reproduction treatment, cataract surgery, accidental coverage and AYUSH treatment with the plan.

    Download the brochure of Star Family Health Optima:

  8. Care Classic Health Insurance Plan

    Get the coverage based on your residential zone. Care Classic is the family floater plan offered by Care Health Insurance Company. It is ideal for married couples, joint families, and young and grown-up families. The plan covers the expenses for IVF Treatment and gives some added services like health tips for staying healthy and doctor consultation in case of general consultation. Apart from all these, the plan also gives coverage for domiciliary hospitalisation up to the Sum Insured, ambulance cover, and covers the expenses for compassionate travel.

    Download the brochure of Care Classic Health Insurance Plan:

  9. ICICI Lombard Health AdvantEdge

    Another family floater beneficial plan that gives worldwide coverage along with teleconsultations, domestic air ambulance, day care treatment, home care treatment, health assistance services, vaccine coverage and much more. You will get a 15-day free look period, during which you can review the terms and conditions of the policy and understand it with the help of the insurer. It is a wholesome health insurance policy to protect you and your family in case of any health emergency.

    Download the brochure of ICICI Lombard Health AdvantEdge:

  10. TATA AIG Medicare Health Insurance

    It is a comprehensive health insurance plan that is specially designed after keeping in mind the increasing cost of medical expenses. This plan offers several benefits like lifelong renewal, restore benefits, global coverage, and a strong network hospital coverage. You will also get, annual health check-ups, global coverage, ambulance covers, and AYUSH treatment.

    Download the brochure of TATA AIG Medicare Health Insurance:

3 Essential Family Health Insurance Features

Take care of these 3 essential features before investing in a family medical insurance

  • Overall Health Coverage

    The first thing you must check is the inclusion of family health insurance. Whether the kind of medical care you need is available or not should be the first box to check in your list of features.

    Look at the sub-limits for maternity and newborn baby cover if you are planning to start a family. If you have dependent parents look for OPD coverage, doctor consultations, critical illness coverage, etc.
  • Sum Insured

    Adequate sum insured is a crucial part of your family medical insurance. The general thumb rule of insurance states that you must have a minimum of INR 10 L health coverage.

    However, depending on the number of family members you want to cover, age, and existing medical conditions, choose your ideal sum insured.
  • Waiting Period

    If you have elderly parents with pre-existing diseases like diabetes, hypertension, or other conditions be careful about waiting periods.

    You must check after how long your family health plan starts covering such PEDs.

What are the Benefits of Family Health Insurance Policy?

Now you might be thinking about the benefits of a family health insurance plan and why you should buy it. Well, there are several reasons we can give you for this question. Have a look below for the same.

  • Coverage For All

    Want to provide health coverage for your parents as well as your children? Family health insurance is your answer. Depending on insurer to insurer, you can cover 5-15 family members under one health plan. This provides efficient health care for all, that too under one roof!
  • Add New Family Members As Per Your Choice

    Depending on family health insurance plans, you can add new family members to your health plan. Many health plans allow you to add family members mid-term such as newborn babies.
    Premiums are adjusted as per the additional family members added to your family health insurance.
  • Tax Benefits

    If you are looking at health insurance as simple protection plans, you may want to rethink. Under section 80 D of the Income Tax Act,1961 you can save up to INR 1.5 Lakhs tax, making it an excellent financial planning tool.
    Investing in family health insurance secures your family's health along with your finances for the near & distant future, altogether.
  • Automatic Restoration Facility

    Most family health insurance offers automatic sum insured restoration. In case the sum insured is exhausted partially or completely of your family health insurance, the base sum insured is restored automatically.
    This is an essential and useful feature for your family members when the need arises. Automatic sum insured is applicable for related or unrelated illnesses.
  • Affordable Premiums

    Paying separate premiums for different health plans for each family member? Inefficient and unnecessary.
    Investing in the best health insurance for the family will save you from paying extra premiums. Family health insurance is lighter on your pocket than individual health insurance plans.
  • Family Planning

    Having maternity coverage with a family floater plan gives you the freedom to plan your family accordingly. This plan is best for young couples who are looking forward to starting a family shortly. But you need to check the family floater plan terms & conditions, whether it covers maternity benefits or not.
  • High Coverage for Every Member

    The insured members in the case of health insurance plans for families, every member is covered under the sum insured by the policy. This sum insured can be used entirely by any of the members of the family at the time of emergency. This way, every member of the family has complete access to the sum insured and can benefit from the high coverage if you choose an optimal sum insured level.

How to Choose the Right Health Insurance Plan for a Family?

Buying a health insurance plan for a family is hugely beneficial as it provides them with 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 health plan for a family to ensure it meets all your needs. These are:

  • Instant Premium Rates

    When purchasing a health insurance plan for your family, you do not want to take any chances. Most individuals will check for features and benefits along with premium rates. It is best to compare your choice of health insurance on insurance aggregator portals such as PolicyX. By doing this, you get to know instant premium rates for the amount of coverage you and your family require.
  • Compare Health Insurance Riders

    When comparing family health insurance plans, it is essential to compare riders that are available with your base coverage. Health insurnace riders are an essential part of any family medical insurance policy as they enhance the overall coverage. Some individuals might want critical illness riders, some may require a personal accident rider and some may even want a daily hospital cash rider. Comparing family health insurance will give you an overview of the riders available with various plans along with their premiums.
  • Compare Network Hospitals

    One of the major benefits of comparing family health insurance plans is the comparison of network hospitals in your city. You can compare various health insurance plans on PolicyX and determine the number of network hospitals available with all insurance plans of your choice.
  • Compare Waiting Periods

    When purchasing a family health insurance plan, it is important to understand the waiting periods attached to it for pre-existing diseases, listed diseases, and more. Insurance aggregators like PolicyX will help you understand the different waiting periods when comparing your preferred health insurance plans on the website. It will further help you in making an informed decision.
  • Compare Sub-Limits and Capping

    Many family health insurance plans will give you the same amount of sum insured and almost similar features that might leave you feeling confused. Comparing health insurance plans further will help you filter out factors such as sub-limits and capping on various features like room rent, ICU charges, AYUSH treatments, annual health check-ups, and more.
  • Check for the Co-Pay and Deductibles

    How many times have you clicked on 'I agree' without reading the terms and conditions? Can't remember right? Do not do this when investing in family health insurance. Co-pay and deductibles are conditions applied by health insurers to reduce premiums for you. However, co-pays and deductibles are the percentage of money that you are entitled to pay on your own during hospitalisation. Co-pays are fixed values set by insurers while deductible amounts can be opted by you. So, always check for the co-pay and deductibles before clicking on 'I agree'.
  • Read the Reviews

    Read online reviews about family health insurance plans if you want to understand the services provided by the insurer. Understanding the market image of the insurer/insurance company is important before making a purchase decision.
  • Ask Questions to the Expert

    Do not make the mistake of trusting a sales rep blindly. Ask questions as per your needs and requirements.

    Here is a list of questions you can ask your family health insurance provider.

    • How many family members can be covered?
    • What are the relationships that can be covered under the family health insurance?
    • How much sum insured is available?
    • Is there a critical illness cover available?
    • Are there any co-pays and deductibles involved?
    • What is the average premium I have to pay?
    • Are there any available discounts on premiums?
    • What are the riders available with this plan?
    • Are there any value-added benefits available?
    • How many network hospitals are associated with the plan?

    Moreover, you can call the toll-free number of PolicyX and our insurance experts will guide you through the features, benefits and even terms & conditions of any family health policy.

  • Looking At The Claim Settlement Ratio

    Claims are the most essential part of a health insurance cycle. A high claim settlement ratio means a high number of claims settled by the insurer in a financial year. Your family health insurance plan should provide you with a hassle-free claim settlement process so you can focus only on recovery.
  • Looking At Available Riders

    If you have a family history of cancer or any other major ailment, pair a Critical Illness (CI) rider with your family health plan. Similarly, a lot of people skip riders thinking that it will increase their overall premiums. Riders are tools to enhance your family's health insurance at minimal additional premiums.
  • Understand your Family's Healthcare Needs

    Everyone would buy a Ferrari if they could. But is it practical for your daily routine? A lot of times, we are tempted by the best product in the market and ignore our usage value. Select a family health insurance that caters to your family as a whole and also individually. Pick the right coverage features with an adequate sum insured.

Other Family Health insurance Companies

Mistakes To Avoid When Choosing Family Medical Insurance

Avoid these common mistakes most people make when purchasing family health insurance:

  1. Ignoring Co-Pay and Deductibles

    How many times have you clicked on 'I agree' without reading the terms and conditions? Can't remember right?

    Do not do this when investing in family health insurance.

    Co-pay and deductibles are conditions applied by health insurers to reduce premiums for you.

    However, co-pays and deductibles are the percentage of money that you are entitled to pay on your own during hospitalization. Co-pays are fixed values set by insurers while deductible amounts can be opted for by you.

  2. Not Reading Reviews

    Read online reviews about the family health insurance plan if you want to understand the services provided by the insurer.

    Understanding the market image of the insurer is important before making a purchase decision.

  3. Not Asking Enough Questions

    Do not make the mistake of trusting a sales rep blindly. Ask questions as per your needs and requirements.

    Here is a list of questions you can ask to your family health insurance provider.

    • How many family members can be covered?
    • What are the relationships that can be covered under the family health insurance?
    • How much sum insured is available?
    • Is there a critical illness cover available?
    • Are there any co-pays and deductibles involved?
    • What is the average premium I have to pay?
    • Are there any available discounts on premiums?
    • What are the riders available with this plan?
    • Are there any value-added benefits available?
    • How many network hospitals are associated with the plan?
  4. Not Looking At The Claim Settlement Ratio

    Claims are the most essential part of a health insurance cycle. A high claim settlement ratio means a high number of claims settled by the insurer in a financial year.

    Your family health insurance plan should provide you with a hassle-free claim settlement process so you can focus on recovery.

  5. Not Looking At Available Riders

    If you have a family history of cancer or any other major ailment, pair a Critical Illness (CI) rider with your family health plan.

    Similarly, a lot of people skip riders thinking that it will increase their overall premiums. Riders are tools to enhance your family's health insurance at minimal additional premiums.

  6. Ignoring Family Healthcare Needs

    Everyone would buy a Ferrari if they could. But is it practical for your daily routine? A lot of times, we are tempted by the best product in the market and ignore our usage value.

    Select a family health insurance that caters to your family as a whole and also individually. Pick the right coverage features with an adequate sum insured.

Health Insurer Network Hospitals

Documents Required for Buying 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.

Wrapping It Up

Buying a family health insurance means, keeping your mind free from unnecessary tensions. When purchasing family health insurance for your family, remember to ask many questions. Understand the needs and requirements of your family members and choose the plan wisely.

If you still are unsure about the best family health insurance plans in India, consider giving us a call. Our expert PolicyX advisors will guide you through the process of making the right insurance purchase decision end-to-end. This ensures not only your well-being but the overall health protection of your dear family members.

Family Health Insurance: FAQs

1. 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

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.

16. How does a family health insurance plan work?

A single sum insured is shared by all the family members. Each time any of the family members avails hospitalization coverage, the amount of claim filed will be reduced from the total sum insured.

17. 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

18. 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.

19. 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.

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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.