Data from the National Family Health Survey India indicates that only one family member has regular health insurance coverage in 41% of homes. Need another piece of data? Between 2019 and 2021, just 30% of women and 33% of males between the ages of 15 and 49 were protected by health insurance.
These numbers are enough to understand why most Indian families face financial challenges when health emergencies strike. One of the major reasons behind families not getting insurance is limited knowledge of family health insurance plans.
In this article, Aapka Policywala – trusted for family health insurance in India – will share the list of the top 8 health insurance plans for families in India. Let’s start!
Top Health Insurance Plans in India for Family
Below are the top 8 health insurance plans in India for families to safeguard everyone during a health crisis:
Niva Bupa Health Companion Family Floater Plan
Formerly known as Max Bupa Health Insurance, Niva Bupa is one of the most trusted providers of health insurance plans in India. It has a network of 10,000+ hospitals with 30 minutes of claim processing. It is a perfect solution for the well-being of your loved ones as it covers every single family member in a single health plan.
Niva Bupa provides affordable and comprehensive healthcare policies catering to the different needs of consumers. Their basic family insurance plan starts at 6,655 per year with 500,000 sums insured. They aim to give every Indian access to the best healthcare as per their needs.
ICICI Lombard Health AdvanEdge
ICICI Lombard Health AdvanEdge is a perfect fit for consumers where critical illness like cancer runs in the family. This family insurance plan offers coverage against 20 listed critical illnesses with basic healthcare features. In-built, value-added services, and wellness benefits such as video-consultation, doctor-on-call, and ambulance assistance are available.
Families can avail hospitalization expenses outside of India including countries like the USA and Canada up to the specified sum insured limits. Air ambulance services are also covered for emergency hospitalizations up to the sum insured.
Buy the best individual health insurance in India at affordable prices.
HDFC ERGO Health Suraksha Family Floater Plan
A promising health insurance plan for families looking for a health plan that offers good coverage with no sub-limits, no room rent capping, no disease-based capping, and no co-payments. They offer cashless claim services with a 99% claim settlement ratio. In short, you can avail of e-opinions if you or your family members are diagnosed with any of the 51 listed critical illnesses.
Below things are covered in the HDFC ERGO Health Suraksha Family Floater Plan:
- Pre & post hospitalization
- All-day care treatments
- Preventive health check-ups
- Emergency air ambulance
- Road ambulance
- Daily hospital cash
- E-opinion for 51 illnesses
- Home healthcare
- Organ donor expense
- Lifelong renewability
Star Health Assure
Star Health Assure is a versatile health insurance plan offering a high sum insured value of up to INR 2 crores making it an ideal choice to provide adequate cover for all family members. This family health insurance plan compensates up to INR 10,000 for an immediate family member as a compassionate travel benefit. It also covers pain management and rehabilitation expenses up to 20% of the sum assured.
The built-in star wellness program is available for policyholders to encourage a healthy lifestyle. Policyholders can earn points by fulfilling certain tasks like daily steps, regular health checkups, and more to get a 20% renewal premium discount. A solid health insurance plan for the family if you ask us!
ManipalCigna Prime Advantage
ManipalCigna Prime Advantage offers families up to 1 crore of the sum insured. This family health insurance plan proposes features like OPD cover, sum insured restoration, AYUSH treatment, air ambulance, and more. Family members and policyholders can avail of consultations, prescribed diagnostics, and pharmacy for up to INR 50,000 per policy year.
ManipalCigna Prime Advantage in India also allows policyholders to secure their families with ManipalCigna Prime Advantage’s second medical opinion feature for 36 listed critical illnesses.
Learn everything about critical illness insurance plans in India.
Aditya Birla Activ Health Platinum Enhanced
This family health insurance plan avails coverage for rare conditions like mental illness, hospitalization, and modern treatments that require advanced and modern technologies. It offers up to INR 2 crores sum insured to policyholders and family members. You can also avail of pre and post-hospitalization coverage for listed mental illnesses.
Aditya Birla’s affordable health insurance plan offers expert health coaches for personalized workout plans, nutrition plans, and mental health guidance. You will also be awarded a double sum insured on no additional premium after completing 2 claim-free years.
Reliance General Health Infinity
Reliance General Health Infinity is specially designed to provide all-around medical care to policyholders and their families with no sub-limits. It brings a large sum insured of up to INR 5 crores. You can also restore your sum insured of up to 100% with Reliance General Health Infinity for unrelated illnesses or injuries.
Mother and care cover is available under the Reliance General Health Infinity plan as an add-on, covering maternity expenses for INR 1 lakh and 2 lakh depending on the sum insured option selected by the consumer and family members.
Liberty Health Connect
Liberty Health Connect offers 4-different variants suitable for your family’s healthcare requirements. The 4 variants are:
- E-connect
- Basic
- Elite
- Supreme
The sum insured options available range between 3 to 15 lakhs with various additional and renewal features. The plan comes with a no co-pay benefit, relieving you from all the financial stress. You can also avail of organ donor expense coverage with Liberty Health Connect up to the sum insured.
This family health insurance plan awards you with free health check-ups regardless of your claim status after completing 2 years of continuous policy renewal.
Buy or renew group health insurance in India.
Family Health Insurance Plans in India: Wrapup
We hope that the above insights helped you learn about the best family health insurance plans in India. Before buying a health insurance plan for yourself and your family, make sure to check online reviews and sum insured to get the treatment done.
On Aapka Policywala, you can compare the best plans from health insurance providers and get the best value for your policy. The best thing is that policy discovery and comparison is super easy and free! Want to buy family health insurance in India? Email us at info@aapkapolicywala.com to buy an affordable family health insurance plan in India.