Best Family Health Insurance Plans in India You Should Buy in 2022

A family health insurance policy provides financial security for parents, spouses, children, and grandparents. The insurance companies in India offer a variety of plans for customers with several features. However, they need proper research that will help a lot to select the right one accordingly. While choosing a family insurance plan, one should consider certain things in mind which give ways to make the best decision. Most insurance plans aim at satisfying the requirements of people when it comes to coverage.

Policyholders should understand the inclusions and exclusions while choosing a family floater option. This, in turn, gives ways to make claims from an insurer with ease. Moreover, having the correct type of family insurance provides methods to ensure maximum protection from high medical expenses. At the same time, it is wise to know the best family health insurance plans in India from different sources before investing money. Not only that, it allows policyholders to get high-quality treatments in listed hospitals.

List of 7 Best Family Health Insurance Plans in India for 2022

1. Aditya Birla Activ Health Enhanced Plan
2. Digit Family Health Insurance Plan
3. Kotak Family Health Insurance Plan
4. Max Bupa Health companion Health Insurance
5. Star Family Health optima Insurance Plan
6. IFFCO-Tokio Health Insurance Plan
7. Care Health Care Insurance Plan

1. Aditya Birla Activ Health Enhanced Plan

Aditya Birla is one of the leading insurance companies in India that offers exclusive plans for a family. The plan covers sum insured options from Rs. 2 lakhs to Rs. 2 crores. Some of the features covered by the policy include in-patient hospitalization, pre-hospitalization with 60 days waiting period, post-hospitalization with 180 days waiting period, daycare procedures, homecare treatment expenses, ambulance coverage, organ donor expenses, health check-up program, chronic management program, wellness coach, hospital cash benefit, etc. In addition, the family floater policy covers up to 9 members that helps gain more advantages. Moreover, the plan includes a no-age limit, and the minimum age is 91 days.

2. Digit Family Health Insurance Plan

Digit is a reputed insurance company that offers comprehensive coverage of the best family floater health insurance plans in India. The plan allows policy buyers to choose sum insured amounts ranging from Rs. 2 lakhs to Rs.25 lakhs. Some of the features covered by the policy include additional sum insured for accidental hospitalization, additional sum insured for critical illness hospitalization, annual check-ups, ambulance coverage, ICU room rent, mental illness coverage, Ayush coverage, organ donor expenses, maternity benefit, newborn baby cover, bariatric surgery, no age-based co-payment, refill sum insured, etc.

3. Kotak Family Health Insurance Plan

Kotak health insurance company offers different types of plans for families to ensure more protection against financial crunches. The family health insurance policy provides coverage with sum insured amounts ranging from Rs. 3 lakhs to Rs. 25 lakhs. It is a comprehensive plan that offers outstanding features for family members. Some of them include daycare procedures for various ailments, organ donor expenses, domiciliary hospitalization, hospital daily cash, in-patient hospitalization, air ambulance coverage, etc. The maximum entry age is 65 years, and the minimum entry age is 91 months.

4. Max Bupa Health companion Health Insurance

Max Bupa health insurance offers an exclusive plan for families at affordable rates, thereby showing ways to ensure comprehensive coverage. The company provides policies with sum insured options ranging from Rs. 1 lakh to Rs. 1 crore. It allows a policyholder to undergo high-quality treatments in listed hospitals. Some of the benefits offered by the policy include in-patient hospitalization, pre-hospitalization, post-hospitalization, domiciliary hospitalization, OPD coverage, AYUSH treatment, organ donor expenses, daycare treatments, etc. The plan is the best family medical insurance in India that aims to cater to customers’ needs when it comes to coverage. Moreover, the premium prices are affordable, which gives ways to overcome the financial burden to a large extent.

5. Star Family Health optima Insurance Plan

Star health is one of the health insurance firms which offer a wide range of plans for a family. It lets policyholders choose a plan with the sum insured options ranging from Rs. 1 lakh to Rs. 25 lakhs, thereby showing ways to gain more advantages. The plan covers benefits such as health check-ups, domiciliary hospitalization, in-patient hospitalization, road ambulance charges, air ambulance, coverage for modern treatment, coverage for newborn cover, organ donor coverage, pre-hospitalization, post-hospitalization, etc. Not only that, the plan provides an additional sum insured for road accidents when a policyholder travels in a 2-wheeler.

6. IFFCO-Tokio Health Insurance Plan

IFFCO-Tokio, a health insurance company, provides different types of plans for families to ensure comprehensive coverage. The plan offers sum insured options ranging from Rs.1.5 lakhs to Rs. 30 lakhs. Some of the features covered by the policy include coverage for 160 daycare surgeries, health check-ups, vaccination expenses, critical illnesses coverage, AYUSH treatment coverage, etc. Besides that, the policy provides a daily allowance of up to a maximum of Rs.1000 per day based on the sum insured amount. Customers can buy a plan online by visiting the company’s website directly. The policy excludes medical tests for policyholders up to 60 years.

7. Care Health Care Insurance Plan

Care health care, formerly known as Religare health insurance, offers affordable family plans in the markets. The company provides the plan starting from Rs. 5 lakhs to Rs.6 crores. Some of the features covered by the policy include AYUSH treatment, annual health check-ups, emergency hospitalization, pre-hospitalization, organ donor expenses, post-hospitalization, daycare expenses, daily allowance, etc. It is the best family insurance policy in India, with a co-payment waiver and other features. The plan is available with a lifelong renewability option with no upper age limit. At the same time, it has a waiting period for specific illnesses and pre-existing illnesses.

Where to buy the best health insurance plans for your Family in India?

Anyone who wants to buy a family group health insurance should search for the details online to meet essential needs. This is because customers can compare the plans and prices of companies online that will help select the best one among them with choices. A policy buyer can know more about the details online that will help a lot to get maximum protection from potential threats. Moreover, he/she can contact the customer care team of an insurer before buying a policy that gives ways to overcome mental worries and other problems.