Family Health Insurance Policies in India 2025

How to Choose the Right Health Insurance for Your Family?

Check out some of the best tips to find the right health insurance plans for your family:

1. Assess Your Family's Health Needs

   Before picking a family health insurance policy, you need to assess the health needs of your family. If you plan to extend your family or have young children, you may prefer a health plan with maternity benefits and paediatric care. Similarly, if you have elderly people in your family, you may prioritize plans with critical illness cover and a lower waiting period. Thus, you must choose a plan that covers the health needs of all members of the family.

2. Go for Comprehensive Coverage

   Most medical insurance plans for families cover the cost of hospitalization, day care procedures, ambulance charges, organ donor expenses, etc. However, not all health plans offer the same level of coverage. This is why checking the coverage of various plans is essential to find the policy that offers your preferred coverage like maternity benefit, preventive health check-ups, critical illness cover, etc.

3. Opt for Unlimited Restoration of the Sum Insured

   In a family health policy, the same sum insured is shared by all the members of the family. In case multiple family members fall sick at the same time or in the same policy year, this sum insured may be insufficient for them. Therefore, it is essential to buy a family policy with unlimited restoration of the sum insured. With this benefit, your policy coverage amount will be automatically restored to the sum insured limit unlimited times a year on partial or complete exhaustion.

4. Stick to Your Budget

   While the priority is to opt for a comprehensive plan that covers the health needs of the entire family, it should not cross your budget. You must go for a family plan that offers your desired coverage but at an affordable price. The best way to do so is to compare multiple health plans online on Policybazaar.com.

5. Avoid Sub-limit or Co-payments

   While choosing a mediclaim insurance policy, make sure to opt for a plan with no sub-limits or co-payments. While sub-limits put a cap on the maximum amount that you can claim for a cover, co-payments ensure that you pay a fixed percentage of the claim amount, and only the remaining is paid by the insurer. In case you do opt for a plan with a co-payment, make sure to go for a co-payment that you can afford to pay.

6. Opt for Insurers with High CSR

   CSR, or Claim Settlement Ratio, is an excellent way to understand the claim payability of an insurance company. It is a ratio of the total claims paid by the insurer versus the total claims received by the insurer in a financial year. The higher is the CSR, the more is the likelihood of your claims being paid. Thus, you must pick a family health policy from an insurer with a CSR of 80% or more.

7. Go for Hassle-free Claim Settlement

   Before selecting a health plan for your family, make sure to understand the claim process of the insurance company. Opt for a plan from an insurance company with a simple claim process and quick claim settlement. Moreover, give preference to insurers with a 24x7 claim support team, allowing you to contact them for assistance anytime.

List of Family Health Insurance Plans in India

Take a look at the list of family health insurance policies in India:

*Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

Family Health Insurance Policies in Detail

1. Aditya Birla Activ Health Platinum Plan

   The Aditya Birla Activ Health Platinum plan covers you and your family against in-patient, pre and post-hospitalization expenses. It also covers day care treatments, mental illnesses, domiciliary hospitalization, ambulance charges, organ donor expenses, and second opinion on critical illnesses. It also offers OPD cover, critical illness cover, personal accident cover, reload of sum assured, cumulative bonus, and wellness program services.

   Moreover, you can opt for maternity benefit and hospital cash benefit as optional covers.

2. Bajaj Allianz Health Guard Plan

   Bajaj Allianz Health Guard is a family health plan that provides coverage to the entire family under a single sum insured. It covers hospitalization costs, bariatric surgery, maternity expenses and AYUSH treatments. It also offers convalescence benefit, preventive health check-ups and recharge benefit. The policy offers a cumulative bonus of 10% for each claim-free year up to a maximum of 100%.

3. Care Health Insurance Plan

   Care Health Insurance policy covers room rent in case of hospitalisation, pre-hospitalisation expenses, post-hospitalisation expenses, ambulance expenses, maternity expenses and vaccination expenses. It provides a daily cash allowance, global coverage and care anywhere benefit. There is no limit on ICU stay charges. Moreover, this policy offers private room in case of hospitalisation and free medical check-ups every year.

   Add-on covers like air ambulance cover, personal accident cover, travel plus benefit, etc., can also be added to the plan.

4. Cholamandalam MS Healthline Insurance Plan

   The Cholamandalam MS Healthline Insurance plan comes in four variants - Value, Freedom, Enrich and Privilege. It covers hospitalization expenses, emergency ambulance charges, maternity expenses, room & nursing expenses, ICU charges, doctor fees, and day care procedures. It also offers health check-up benefit, double sum insured benefit, extended hospitalization allowance and child hospitalization allowance.

5. Digit Health Insurance Plan

   The Digit Health Insurance plan covers accidental & planned hospitalization, maternity expenses with newborn baby treatments, bariatric surgery, and health check-ups. It also offers AYUSH cover, psychiatric illness benefit, worldwide cover, personal accident cover, etc.

   Moreover, consumables cover and waiting period modification benefit are available as optional covers.

6. Future Generali Health Suraksha Plan

   The Future Generali Health Suraksha plan comes in four variants, i.e. gold, platinum, topaz and ruby. It provides coverage for in-patient hospitalization along with 60 days of pre-hospitalization expenses and 90 days of post-hospitalization expenses. It comes with hospital cash benefit, patient care, free medical check-up and recharge benefit. It also covers the cost of accidental hospitalization, day care treatments and modern treatments.

7. Galaxy Promise Plan

   The Galaxy Promise plan covers the medical expenses of the entire family, including hospitalization expenses, delivery expenses, home care treatment expenses, bariatric surgery expenses and cataract treatment expenses, amongst others. It promises not to increase the premium unless a claim is filed or the insured turns more than 55 years old under the Premium Promise benefit. Moreover, the policyholder can opt for Insta Care Cover to get their pre-existing asthma, cholesterol and blood pressure covered after 30 days.

   Moreover, this Galaxy health insurance plan comes in three variants – Premier, Elite and Signature with varied sum insured options.

8. HDFC ERGO Optima Secure Plan

   The HDFC ERGO Optima Secure plan provides medical coverage to the whole family and comes in five variants - Suraksha, Secure, Super Secure, Global and Global Plus. It covers the cost of in-patient care, home healthcare, day care treatments, modern treatments and organ donor expenses. It also offers preventive health check-up benefit as a wellness cover.

   Global health cover, secure benefit, plus benefit and consumables cover are available as optional covers.

9. ICICI Lombard Elevate Plan

   The ICICI Lombard Elevate plan provides unlimited health insurance coverage with no maximum sum insured limit and unlimited claim coverage once in the lifetime of the policy. It offers PED coverage from day 30, unlimited restoration of the sum insured and a 100% cumulative bonus for an infinite period. Besides, it provides coverage for hospitalization expenses, bariatric surgery, modern treatments and AYUSH hospitalization.

   You can opt for maternity benefit, worldwide cover, consumables cover, critical illness cover, personal accident cover and annual health check-up benefit on the payment of an additional premium.

10. IFFCO Tokio Family Health Protector Plan

    The IFFCO Tokio Family Health Protector plan reimburses hospitalization charges, including doctor fees, hospital registration and surgery expenses, etc. It also covers day care procedures, domiciliary hospitalization, AYUSH treatments, modern treatments and ambulance charges. Health check-up benefit, daily allowance and emergency assistance services are also available under this plan.

    Additionally, it covers 11 critical illnesses, such as motor neurone disease, permanent limb paralysis, major organ transplant, etc., on the payment of additional premium.

11. Liberty Secure Health Connect Plan

    The Liberty Secure Health Connect plan covers in-patient treatment, pre and post-hospitalization expenses, daily hospital cash allowance, day care procedures, and ambulance expenses. Health check-up benefit, AYUSH cover and Stay Fit perks are available under the policy.

    Reload of the sum insured and enhanced cumulative bonus can be considered to further enhance the policy coverage.

12. Magma HDI OneHealth Insurance Plan

    The Magma HDI OneHealth Insurance plan covers hospitalization and OPD expenses of the entire family. It offers coverage for hospitalization expenses, LASIK surgery, bariatric surgery, psychiatric treatments, IVF treatment and HIV AIDS. OPD benefit, annual health check-ups, hospital cash benefit, maternity benefit and worldwide emergency hospitalization covers are also available under this plan.

    Moreover, critical illness cover, personal accident cover, non-payable expenses cover and global cover are available as optional benefits.

13. 12. ManipalCigna ProHealth Insurance Plan

    You can buy a ManipalCigna ProHealth Insurance plan to ensure comprehensive health cover for your family by covering pre, post, and in-patient hospitalization expenses, maternity expenses, alternative treatments and ambulance charges. It also offers a cumulative bonus, worldwide emergency cover, health check-up benefit and covers the cost of diagnostic procedures, contact lenses, medical aids, etc. under health maintenance benefit.

    Moreover, hospital daily cash benefit, critical illness cover, health 360 cover, etc., are available as optional covers.

14. National Parivar Mediclaim Policy

    The National Parivar Mediclaim policy covers the expenses incurred on hospitalization, cataract surgery, mental illnesses, morbid obesity, organ donation, anti-rabies vaccination, day care treatment and ambulance expenses. It also offers maternity benefit, hospital cash benefit and good health incentives to you and your family. s

15. New India Assurance Floater Mediclaim Policy

    The New India Assurance Floater Mediclaim plan provides reimbursement on hospitalization expenses, critical illnesses, congenital diseases, AYUSH treatments and cataract surgery. Hospital cash benefit, newborn baby cover and cumulative bonus are also available under this plan.

    You can avail maternity insurance benefit and consumables cover as optional covers.

16. Niva Bupa (Formerly known as Max Bupa) Heartbeat Insurance Plan

    Niva Bupa Heartbeat Insurance provides coverage for in-patient treatment, HIV AIDS, mental disorders, alternative treatments and pharmacy & diagnostic services. Maternity benefit, childcare benefit, health check-up benefit and emergency assistance services are also available under this plan. Auto-refill of the sum insured is available in case the basic coverage amount is exhausted.

    Moreover, personal accident cover, critical illness cover, hospital cash benefit and e-consultations are available as optional covers.

17. Oriental Happy Family Floater Policy

    The Oriental Happy Family Floater plan is available in four variants - platinum, diamond, gold and silver. It covers the cost of hospitalization, maternity expenses, OPD expenses, ambulance services and second medical opinion. It also offers daily hospital cash allowance, restoration of the sum insured, accidental death benefit and additional sum insured for listed critical illnesses.

18. Raheja QBE Health QuBE Insurance Plan

    Raheja QBE Health QuBE Insurance offers comprehensive coverage for in-patient hospitalization, pre and post hospitalization expenses, domiciliary hospitalization, day care procedures and non-medical expenses. It also offers daily allowance, recharge benefit, health check-up benefit and organ donor benefit.

    Home care treatment and OPD cover are available as optional covers under this plan.

19. Reliance Health Infinity Insurance Plan

    Reliance Health Infinity Insurance is a comprehensive health insurance plan that covers in-patient hospitalization, pre and post hospitalization expenses, domiciliary hospitalization, day care procedures and transportation expenses. It also offers restore benefit, global coverage and renewal benefit. Optional covers, such as consumables cover, unlimited restore benefit, maternity benefit, OPD benefit, home treatment, etc. are also available.

    Moreover, the plan also provides a 5% discount on premiums for single women and families with a girl child.

20. Royal Sundaram Family Plus Plan

    The Royal Sundaram Family Plus plan covers in-patient, pre and post-hospitalization expenses along with the cost of availing second opinion for 11 critical illnesses. It pays for day-care procedures, maternity expenses, AYUSH treatments, vaccinations for animal bites, and preventive healthcare services.

    Besides, the hospital cash benefit is available as an optional cover.

21. SBI Super Health Insurance Policy

    SBI Super Health Insurance is a family floater policy that covers in-patient treatment, pre and post-hospitalization expenses, day care procedures, home health care, OPD treatments and alternative treatment expenses. It also pays for bariatric surgery, maternity expenses, non-medical expenses and medical treatments abroad. You can also avail annual health check-ups, loyalty credit, enhanced cumulative bonus and recovery benefit under this plan.

    Optional covers, such as additional sum insured for accidental hospitalization, enhanced reinsure benefit and wellness benefit are also available.

22. Star Family Health Optima Insurance Plan

    The Star Family Health Optima plan provides coverage for ambulance expenses, hospitalization charges, modern treatments, day care procedures, assisted reproduction treatment, newborn baby treatments, etc. It also offers an additional sum insured for road traffic accidents and emergency domestic medical evacuation services. Moreover, if the sum insured is exhausted, it will be automatically restored three times a year with automatic restoration of the sum insured benefit.

    Moreover, you do not have to undergo any medical screening to buy this policy if you are below 50 years old.

23. Tata AIG Medicare Premier Plan

    You can consider buying the Tata AIG Medicare Premier plan to ensure access to the best available treatment for yourself and your family without worrying about its cost. It pays for in-patient treatment, day care procedures, vaccination charges, domiciliary treatment, AYUSH hospitalization, and OPD treatment. It also covers the cost of hearing aid, compassionate travel, bariatric surgeries, high-end diagnostics and home care treatments.

    Global health insurance coverage, maternity benefit, prolonged hospitalization benefit and accidental death benefit are also available under this plan.

24. United India Family Medicare Policy

    United India Family Medicare is a family floater policy that will cover you and your family against hospitalization expenses, 30 days of pre-hospitalization and 60 days post-hospitalization expenses, cataract surgery, AYUSH treatment, modern treatments and mental illnesses. It also offers restoration of the sum insured and health check-up benefits.

    You can opt for maternity benefit and daily cash allowance benefit on the payment of an additional premium.

25. Universal Sompo Complete Healthcare Insurance Plan

    Universal Sompo Complete Healthcare Insurance is a comprehensive health insurance plan that comes in seven variants: Basic, Essential, Privilege, Plus, Premier, Executive and Digi-Pro. It covers in-patient, pre and post-hospitalization expenses, OPD treatments, accidental dental treatments, organ donor expenses and maternity expenses, including newborn baby treatments. It also provides restore benefit and health check-up benefit.

    The plan can be further enhanced with optional covers, such as personal accident cover, critical illness cover, daily hospital cash, global cover, and consumables cover, among several others.

26. Zuno Health Insurance Plan

    Zuno Health Insurance is a family health plan that comes in three variants, i.e. Silver, Gold, and Platinum. The plan covers in-patient treatment, pre and post-hospitalization expenses, ambulance charges, AYUSH treatments and day care treatments. It also offers maternity benefit, recovery benefit, health check-up benefit, restoration benefit and critical illness cover

27. Zurich Kotak (formerly known as Kotak Mahindra) Health Care Insurance Plan

    Zurich Kotak Health Care is a comprehensive health insurance plan that offers coverage to you and your loved ones under a single sum insured on a floater basis. It covers hospitalization expenses along with 30 days of pre-hospitalization expenses and 60 days of post-hospitalization expenses. It also provides coverage for day care treatments and ambulance charges, along with free health check-up benefit.

    To enhance your coverage, you can opt for 12 add-on covers, including hospital daily cash benefit, critical illness cover, maternity benefit, restoration benefit and convalescence benefit.

In a Nutshell

A family healthcare policy is a protective cover that will shield your family and your lifelong savings in case of a health emergency, allowing you to recover in peace. However, it is essential to opt for a policy that adequately covers your family's medical needs without crossing your budget. To find the right health insurance policy in India that suits you and your family, you can compare different policies online on Policybazaar.com.