Health Insurance Plans for Family

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What is Family Health Insurance?

A family health insurance plan is a kind of medical insurance that covers all your family members in a single health insurance policy. Under this plan, a fixed sum insured is shared by all family members with an assumption that not everyone will get sick at the same time. Most family health insurance plans offer cashless hospitalization facilities, maternity benefits and cover pre & post hospitalization as well.

why to buy family health insurance

Best Health Insurance Plans for Family in India 2021

To make it easier for you to buy a mediclaim policy for your family at Policybazaar.com, we have listed some of the best family health insurance plans from top health insurance companies in India below. Take a look:

Family Health Insurance Plans Sum Insured
(Rs)
Key Benefits
Aditya Birla Activ Health Platinum Plan 2 lakh to 2 crore
  • Day care procedures
  • In-patient hospitalization expenses
  • OPD cover
  • Home treatment
  • Obesity Treatment
Bajaj Allianz Health Guard Plan 1.5 lakh to 1 crore
  • Pre-post hospitalization expenses charges
  • Road ambulance
  • Preventive health check-up
  • Maternity expenses
  • Bariatric surgery cover
Bharti AXA Smart Super Health Insurance Policy 50,000 to 5 lakh
  • Hospitalization benefit
  • Critical illness
  • Pre-existing diseases
  • Transplantation of organs
  • Pre-post hospitalization expenses
Care Health Insurance Plan 5 lakh to 75 lakh
  • Maternity cover
  • In-patient-hospitalization expenses
  • Organ donor expenses
  • Daily allowance
  • Annual health check-up
Cholamandalam Healthline Insurance Policy 2 lakh to 25 lakh
  • Emergency ambulance expenses
  • Hospitalization coverage
  • Maternity cover
  • Extended hospitalization allowance
  • Outpatient expenses (dental, hearing aid, contact lens & spectacles)
Digit Health Care Plus Policy 2 lakh to 3 crore
  • Pre-post hospitalization expenses
  • Maternity benefit
  • Hospitalization benefit
  • Infertility treatment cover
  • OPD benefit
Edelweiss Health Insurance Policy 1 lakh to 1 crore
  • Day care treatment
  • Maternity benefit
  • Recovery benefit
  • Hospitalization expenses
  • Health check-up
Future Generali Future Health Suraksha Plan 2 lakh to 10 lakh
  • Ambulance charges
  • Day care treatment
  • Hospitalization expenses
  • Pre-post hospitalization expenses
  • Patient Care
IFFCO Tokio Family Health Protector Policy 1.5 lakh to 30 lakh
  • Organ donor expenses
  • Hospitalization expenses
  • Vaccination expenses
  • Domiciliary hospitalization
  • Daily allowance
Kotak Mahindra Health Care Policy 3 lakh to 25 lakh
  • In-patient hospitalization expenses
  • Free health check-up
  • Ambulance cover
  • Pre-post hospitalization expenses
  • Day care procedures
Liberty Secure Health Connect Policy 2 lakh to 15 lakh
  • Emergency local road ambulance charges
  • Pre-post hospitalization expenses
  • Daily cash allowance
  • Day care procedures
  • Cumulative bonus
ManipalCigna ProHealth Insurance Plan 2.5 lakh to 1 crore
  • AYUSH cover
  • In-patient hospitalization expenses
  • Maternity expenses
  • Domiciliary hospitalization
  • Worldwide emergency cover
Niva Bupa (Formerly known as Max Bupa) Heartbeat Health Insurance Plan 3 lakh to 50 lakh
  • Maternity benefit
  • In-patient care
  • Alternative treatment
  • Mental disorder treatment
  • HIV AIDS treatment
National Parivar Mediclaim Policy (Floater Policy) 1 lakh to 10 lakh
  • Pre-post hospitalization expenses
  • Morbid obesity treatment
  • Organ donor’s medical expenses
  • Mental illness cover
  • Infertility
New India Assurance Floater Mediclaim Policy 2 lakh to 15 lakh
  • Hospitalization expenses
  • Hospital cash
  • Modern treatment
  • Critical care benefit
  • Congenital disease treatment
Oriental Happy Family Floater Policy 2 lakh to 20 lakh
  • Maternity expenses
  • Pre-post hospitalization cover
  • Mental illness cover
  • Domiciliary hospitalization benefits
  • Attendant allowance
Raheja Health QuBE Insurance Policy 2 lakh to 50 lakh
  • Medical check-up
  • In-patient hospitalization expenses
  • Organ donor benefit
  • Ambulance charges
  • Daily allowance
Reliance HealthWise Policy 1 lakh to 5 lakh
  • Critical illness
  • Modern treatment
  • Donor expenses
  • Pre-post hospitalization expenses
  • Domiciliary hospitalization
Royal Sundaram Lifeline Insurance Policy 2 lakh to 1.5 crore
  • OPD treatment
  • Day care procedures
  • In-patient care
  • Maternity benefits
  • Worldwide emergency hospitalization
SBI Arogya Premier Health Insurance Policy 10 lakh to 30 lakh
  • Ambulance expenses
  • Hospitalization expenses
  • Advanced treatments
  • Maternity expenses
  • Genetic disorders
Star Family Health Optima Insurance Plan 3 lakh to 25 lakh
  • Day care procedures
  • Pre-post hospitalization expenses
  • Assisted reproduction treatment
  • Newborn baby cover
  • AYUSH treatment
Tata AIG MediCare Policy 3 lakh to 20 lakh
  • In-patient treatment
  • Ambulance cover
  • AYUSH benefit
  • Consumables benefit
  • Vaccination cover
United India Family Medicare Policy 3 lakh to 25 lakh
  • Health Check-up
  • Pre-post hospitalization expenses
  • Modern treatment
  • Day care treatment
  • Organ donor expenses
Universal Sompo Complete Healthcare Insurance Policy 1 lakh to 10 lakh
  • Maternity and childcare benefit
  • OPD treatment
  • In-patient hospitalization expenses
  • Vaccination cover
  • Domiciliary hospitalization
SEE MORE PLANS

Disclaimer: *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

Benefits of Buying Health Insurance Plans for Family

There are several benefits that the insured family members can avail with family floater health insurance plans. For instance, you can get coverage for all the family members, irrespective of their age, under a single policy. Here is a quick rundown of the major benefits of buying a family health insurance plan:

1. Stress-free Hospitalization Expense Cover

In case of hospitalization, the insured family member can avail cashless treatment in a network hospital of the insurer just like in individual health plans. In this way, you can get all your family members eligible to get medical attention without compromising on their treatment.

What is covered in a Family Health Insurance Plan?

Take a look at the most common coverage available under family health insurance plans:

  • In-patient Hospitalization Expenses– Any medical expenses incurred on hospitalization of more than 24 hours due to an illness or accidental injury is covered.
  • Day Care Procedures– It covers the cost of day care procedures that require hospitalization of less than 24 hours.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

What is not covered in a Family Health Insurance Plan?

When buying health insurance for family, you must thoroughly read the policy documents in order to understand the policy exclusions in detail. Also, check the waiting periods under the policy. Following medical expenses are generally not covered by family health insurance plans in India:

  • OPD treatments and routine medical check-ups
  • Expenses incurred on any aesthetic treatment or plastic surgeries

Eligibility Criteria to Buy a Family Health Insurance Plan

Every family health insurance plan comes with eligibility criteria. Although the eligibility criteria vary from one plan to another, the following table shows the common eligibility criteria for family health insurance plans in India:

Why to Buy Health Insurance Plans for Family Online?

There are a plethora of family mediclaim policies in India, which makes choosing the best plan a difficult task. You can save your time by comparing the quotes of different family health insurance plans online at websites like Policybazaar.com. Let’s look at some of the reasons why you should consider buying a family health insurance plan online:

  • More Convenient

    Buying a health insurance plan for your family online is a convenient process. You can easily compare various plans or get expert advice anytime, anywhere. Besides, you don’t need to fill up multiple forms at the time of buying the plan or stand in a queue to submit them.

Things to Consider Before Buying a Family Health Insurance Plan

Here are a few important points that you must consider before buying a health insurance plan for your family:

  • Check the Family Health Insurance Plan Coverage

    Before buying a family health insurance plan, it is important to check the coverage offered under the plan. Almost all family health plans offer coverage for day care expenses, in-hospitalization expenses, ambulance charges, pre & post-hospitalization expenses, etc. Opt for a plan that appropriately covers your family health needs within your budget.

How to File a Claim for a Family Health Insurance Plan?

You can file a health insurance claim in two ways – cashless claim and reimbursement claim. The procedure for both types of claims are given below:

Cashless Claim Process:

  • Inform your insurance company about the health emergency
  • Fill upthe pre-authorization form, which you can find at the TPA or insurance desk of the network
  • Submit the pre-authorization form with otherdocuments to the hospital who will forward it to your insurer