The data from the National Family Health Survey India suggests that one family member is covered by health insurance in 41% of households. Do you need another source of information? In the years between 2019-2021, only 30% of females or 33% of men between 15 and 49 were covered through health insurance.
These numbers can be enough to comprehend why the majority of Indian families are facing financial difficulties when health emergencies occur. One of the primary reasons for families not having insurance is the lack of knowledge about the health insurance plans for their families.
The article Aapka Poliwala — a reliable source as a family health insurance provider in India is going to share the best family health insurance plans in India. Let’s start!
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The Best Health Insurance Plans in India for Family
Here are the top 8 health insurance plans available in India for families that will protect all members during a health emergency:
The Niva Bupa Health Companion Plan for Family Floater Plans
Formerly named Max Bupa Health Insurance, Niva Bupa is one of the most reputable companies offering health plans across India. It offers 10,000+ hospitals and thirty minutes for claim handling. It’s a great solution for the wellbeing and health of loved ones since it covers every family member with a single health insurance plan.
Niva Bupa provides affordable and complete healthcare plans that meet the diverse needs of customers. The family insurance policy starts at just 6,655 per year, with the possibility of 500,000 insures. They want to provide each Indian access to top health care according to their requirements.
ICICI Lombard Health AdvanEdge
ICICI Lombard Health AdvanEdge is the perfect choice for those who have a serious illness such as cancer that occurs in the family. The family insurance plan provides insurance against 20 critical illnesses, and comes with basic health features. Value-added, in-built services and wellness benefits like video-consultations, doctor on call, and ambulance assistance are offered.
Family members can get hospitalization costs outside of India such as countries like Canada, the USA and Canada in the limit of the amount insured. The air ambulance service is protected for hospitalizations that require emergency treatment as long as the insured amount is met.
HDFC ERGO Health Suraksha Family Floater Plan
An attractive health insurance plan that is ideal for families in search of health insurance that gives adequate coverage, with no limits or room rent caps and no capping based on disease and no co-pays. They offer claim service that is cashless with the highest claim settlement percentage. In a nutshell, you can obtain e-opinions if or family members have been diagnosed with one of the listed 51 essential diseases.
The following are the things covered in the HDFC ERGO Health Suraksha Family Floater Plan:
- Pre & post hospitalization
- All-day care treatments
- Preventive health check-ups
- Air ambulance in emergency
- Road ambulance
- Cash for the daily hospital
- E-opinions for 51 ailments
- Home healthcare
- Organ donor expense
- Lifelong renewability
Star Health Assure
Star Health Assure is a flexible health insurance policy that provides the highest sum insured value that can reach INR 2 crores. This makes it a great option to offer adequate coverage for the entire family. The family health insurance plan provides as much as INR 10,000 for a immediate household member to provide a compassionate travel reward. It will cover rehabilitation and pain management expenses that exceed 20 percent of the amount guaranteed.
The integrated star wellness program is available to policyholders to help promote an active lifestyle. Policyholders earn points for performing certain tasks, such as daily exercise, regular health checks, and more to earn the 20% renewal discount. An excellent health insurance policy for the entire family, If you want us to!
ManipalCigna Prime Advantage
ManipalCigna Prime Advantage offers families the possibility of up to one crore of sum insured. The family health insurance plan includes features like OPD insurance as well as sum insured renewal, Air ambulance, AYUSH treatment and many more. Members of the family and policy holders are able to avail consultations, diagnostics prescribed by a doctor, and pharmacies for as much as INR 50000 per year for the policy.
ManipalCigna Prime Advantage in India will also allow policyholders to protect their family members with ManipalCigna Prime Advantage’s second medical advice feature that covers 36 crucial ailments.
Aditya Birla Active Health Platinum Enhanced
The family health insurance plan offers coverage for a variety of rare ailments such as hospitalization, mental illness, and treatments that use modern and sophisticated technology. It will provide coverage up to INR 2 crores of sum covered to policyholders as well as family members. It also offers insurance for post-hospitalization and pre-hospitalization for the mental disorders listed.
Aditya Birla’s health insurance policy includes health experts who provide individualized workout plans along with nutrition programs and mental health advice. In addition, you’ll receive the double amount of insurance on the basis of a single premium following two claim-free years.
Reliance General Health Infinity
Reliance General Health Infinity is specifically designed to provide complete medical treatment to policyholders and their families without limit. It provides a huge sum covered as much as INR five crore. You also have the option of restoring the amount you are insured up to 100% using Reliance General Health Infinity for non-related injuries or illnesses.
Mother and Care insurance is offered under the Reliance General Health Infinity plan as an added benefit. It covers the cost of maternity care for INR 1 lakh or 2 lakh, based on the amount of insurance selected by the customer and their relatives.
Liberty Health Connect
Liberty Health Connect offers 4 different models that can meet your family’s health needs. The four variants include:
- E-connect
- Basic
- Elite
- Supreme
Sum insured choices are ranging from 3 and 15 lakhs, with different renewal and additional features. The plan includes an option to pay no co-pays that takes away all financial burdens. Additionally, you can avail the coverage for organ donation expenses with Liberty Health Connect up to the amount of insurance.
The family health insurance plan provides you with no cost health checks regardless of your claim status, after two years of policy renewals that are continuous.
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