Best Cashless Health Insurance Policies For A Family In India 2022

Rupam (23-years-old) belongs to a small family from Kolkata and he just started his career with a private ad agency company. Being the only son of the family, Rupam is always protective of his parents. Rupam’s father doesn’t have any fixed income, so, Rupam wants to purchase the best mediclaim policy for the family. Since he is not earning a sufficient amount, he is looking for a cashless mediclaim policy for the family to strengthen their protection against various illnesses. While searching for the list of the best mediclaim policies in India, he prefers the cashless ones.

The best mediclaim policy for families in India that offers cashless facilities brings a smile to the life of policyholders. With the best cashless mediclaim policy, the policyholder doesn’t need to worry about the finances without compromising the quality of the treatment.

Here, we are going to mention the best cashless mediclaim policy for families in India so that people like Rupam get adequate knowledge regarding which policy they should purchase for their families.

List of 06 Best Cashless Health Insurance Plans for Family in India for 2022

1. Niva Bupa Health Companion
2. Niva Bupa Heartbeat
3. Apollo Munich Optima Restore
4. Reliance Health Gain Plan
5. ICICI Lombard Health Care Plus
6. Future Generali Health Suraksha – Family Floater

1. Niva Bupa Health Companion

This is the best medical insurance policy for families who are looking for cashless facilities. This comprehensive family floater plan covers self, spouse, and up to 4 children.

Some features of the policy plan are:

• This best medical insurance policy for family comes up with three variants (Variant 1, Variant 2, and Variant 3)
• The policy tenure period is 2 years
• The range of sum insured is between Rs.1 lakh to Rs.1 Crore
• There is a top-up option with each variant
• The plan offers coverage for hospital accommodation and pre-and post-hospitalization expenses
• All daycare treatments are covered by this plan
• The plan also offers domiciliary treatment costs, emergency ambulance charges, organ transplants, alternative treatments, and many more
• The plan also gives refill and renewal benefits to policyholders
• The claim process is also very simple and the insurance company intimates network hospitals regarding its decision within 30 minutes

2. Niva Bupa Heartbeat

This cashless health insurance for families in India gives protection for up to 19 relationships. The policy offers an individual coverage amount along with a floating coverage that can be accessed by every member of the family.

Some features and benefits are:

• The policy plan comes up with three variants (Silver, Gold, and Platinum)
• The range of sum insured is between Rs.3 lakh to Rs.1 Crore
• The plan offers several benefits including, pre-and post-hospitalization medical expenses, maternity benefits, newborn baby coverage, daycare treatment, organ transplants, emergency ambulance costs, domiciliary costs, hospital cash allowance, OPD treatment, and many more
• The policy offers free health check-ups once every 2 years
• No age limit for enrolment
• The plan offers international treatment support for specified illnesses (platinum)
• The claim process is very convenient and the company conveys its decision to network hospitals within 30 minutes
• The plan doesn’t offer coverage for autoimmune disorder treatments, neurodevelopment treatments, HIV/AIDS, dental treatment, cosmetic surgery, Substance abuse, optical services, obesity treatment, etc.

3. Apollo Munich Optima Restore

This floater plan is ideally designed to cover self, spouse, dependent children, parents, and parents-in-law.

Some features and benefits are:

• The range of the sum insured is between Rs. 3 lakh to Rs. 50 lakh
• The plan also covers in-patient treatment, pre-and post-hospitalization expenses, domiciliary treatment, daycare procedures, organ transplant treatment, ambulance coverage, emergency ambulance services, etc.
• The plan also offers daily cash allowance for choosing shared accommodation
• The policy comes up with restoration benefits
• The policy doesn’t offer coverage for intentional injury, injury due to war & nuclear weapons, autoimmune disorder treatments, neurodevelopment treatments, HIV/AIDS, dental treatment, cosmetic surgery, Substance abuse, optical services, obesity treatment, etc.
• In case of emergency hospitalization, you must inform the insurance company 24 hrs. within hospitalization

4. Reliance Health Gain Plan

This policy is ideal for those who want a higher sum assured, but can’t pay the premium at a time. The policy allows policyholders to pay the premium amount in four installments.

Some prominent features and benefits are:

• The plan has two variants (Plan A and Plan B)
• The range of sum insured is between Rs.3 lakh to Rs. 18 lakh
• The plan also covers in-patient treatment, pre-and post-hospitalization expenses, domiciliary treatment, daycare procedures, organ transplant treatment, ambulance coverage, emergency ambulance services, etc.
• To enjoy the cashless facility, you need to collect the pre-authorization form from the TPA and then, submit it along with the required details
• The policy won’t offer coverage for arthritis, gout, all vertebrae disorders, joint replacement surgery, cataract, kidney stone, hernia, nasal septum deviation, throat disorders, and surgeries

5. ICICI Lombard Health Care Plus

This policy takes care of the excess payment that may arise due to an illness or injury.

Some features and benefits are:

• Individual coverage for each family member
• Flexible sum insured
• The policy offers long term cover of 1 year and 2 years
• Entry age for members is from 5 years to 65 years
• No sub-limits on room rent, diagnostic tests/ doctor’s fees, hospitalization expenses, etc.
• After renewal, any of the family members will get a free health check-up
• This policy is effective when your hospitalization amount is more than the deductible
• The policy won’t offer coverage for self-injuries, treatment of birth defects, congenital diseases, cosmetic surgery, aesthetic treatment, and hormone replacement therapy

6. Future Generali Health Suraksha – Family Floater

This is the ultimate policy that offers coverage for you and your family.

Some features and benefits are:

• The policy comes up with four variants (Gold, Platinum, Topaz, and Ruby)
• The range of the sum insured is between Rs. 50000 to Rs. 10 lakh
• Pre-and post-hospitalization expenses (60 days and 90 days respectively)
• The policy covers ambulance costs up to Rs. 2000
• 409 daycare benefits
• Hospital cash allowance for the Platinum plan
• Free medical check-ups after every 4 claim-free years
• Daily patient care expenses (Rs. 500 per day) for patients above 60 years and attendant person expenses (up to Rs. 500) are offered by the policy

These are some of the best cashless mediclaim policies for a family in India.

The Conclusion

By opting for cashless health insurance for your family, you don’t need to worry about arranging funds in case of emergency hospitalization or treatment. Always choose an insurance company that has the maximum number of network hospitals to enjoy cashless facilities.