Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
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Content Manager with heart, mind, and soul dedicated to creating impactful content that exceeds the market standard, delivers and reaches the readers conveniently. Besides producing high-ranking content, my focus lies in creating content that solves user queries and adds value.
Reviewed By: Anchita Bhattacharyya
15 min read
Written By:Rhishabh Garg
Rhishabh Garg
Term Insurance Head
Rhishabh Garg is the Business Unit Head of Term Insurance at Policybazaar.com. He has over 10 years of experience and currently plays a crucial role in shaping the future of term insurance in the company. Rhishabh also has experience in customer services and crafts new strategies for organizational success, one of which is Policybazaar’s claim assistance program.
Reviewed By:Santosh Agrawal
Santosh AgrawalChief Business Officer
Santosh Agarwal is the Chief Business Officer of life Insurance at Policybazaar.com and has over a decade of experience in the insurance domain. She has helped shape Policybazaar's life insurance vertical and ensures the effective execution of the company's overall strategy. Santosh is also responsible for the Term Insurance for Women domain at Policybazaar.com and educates the masses about its importance and benefits.
Top 10 Family Health Insurance Plans in India 2025
Investing in the best health insurance plans for families will cover you, your spouse, dependent children, and parents/parents-in-law under a single policy. With medical care costs rising steadily, providing the best health insurance plan for your family is a necessty. Xplore the top 10 health insurance plans for families from the best health insurance companies covering all necessary features such as
In-patient hospitalization
Daycare and modern treatments
Domiciliary hospitalization
Ambulance cover
OPD cover
Global Cover
Maternity and Newborn Baby cover, and more
traordinary Facts
As per IRDAI, these are some factors you must consider before deciding on your top 5 health insurance plans for families in India.
Incurred Claims Ratio (ICR)
Claim Settlement Ratio (CSR)
Network Hospitals
Solvency Ratio
What is a Family Health Insurance Plan?
Health insurance plans for a family offer coverage against medical expenses like hospitalization, OPD, surgery organ transplants, etc. A family health insurance plan is an excellent way to preserve your loved ones. It offers comprehensive coverage under a single premium, simplifying your financial planning. A single sum insured is shared among all the family members and it depletes each time someone in the family avails of a medical care service. With numerous health insurance companies in the market, you can find a plan that best suits your family’s needs.
Selecting the best mediclaim policy for a family in India can be a confusing task as there are multiple health companies in India. However, we have sorted out the top 10 family health insurance plans for you to make a better purchase decision.
List Of Top 10 Family Health Insurance In India 2025
Mentioned below are the best health insurance plans for your family curated after considering various parameters like CSR, ICR, sum insured, features, and more.
Family Health Plan
Claim Settlement Ratio 2022-23
Sum Insured (In Rs.)
Incurred Claim Settlement Ratio (2024)
Niva Bupa ReAssure 2.0
100%
5 L - 1 Cr
59.02%
Care Supreme
100%
7 L - 1 Cr
57.69%
ManipalCigna ProHealth Prime Advantage
99.96%
5 L - 1 Cr
63.78%
Aditya Birla Activ Health Platinum Enhanced
99.01%
2 L - 2 Cr
68.31%
Star Health Assure
99.21%
5 L - 2 Cr
66.47%
Reliance General Health Infinity
87.50%
5 L - 5 Cr
NA
HDFC Ergo Optima Secure
98.59%
5 L - 2 Cr
87.7%
Liberty Health Connect
97.46%
3 L - 15 L
75.29%
Care Ultimate Plan
100%
5 L - 1 Cr
57.69%
ICICI Lombard Health AdvantEdge
98.53%
5 L - 3 Cr
70.79%
Top 10 Health Insurance Plans For Family Key Features
Understand the benefits that are offered by these health plans to make an informed decision that will protect you and your family for years to come.
Niva Bupa ReAssure 2.0
It is one of our top picks under the top 10 health insurance plans for families for its versatile features and benefits. This plan covers up to 6 family members and is available in 5 different variants for you to choose from.
Platinum+
Titanium+
Bronze+
Bronze+
Gold and Bronze
Niva Bupa ReAssure 2.0 Inclusions
Safeguard your family from road accident hospitalization expenses and medical emergencies with in-built personal accident cover under Niva Bupa ReAssure 2.0
Avail up to 30% discounts on renewal premiums based on the number of steps taken. With Niva Bupa ReAssure 2.0 your family members are not only covered during illness but are also encouraged to maintain a healthy lifestyle.
Avail of health check-ups for all family members who are insured under the Niva Bupa ReAssure 2.0
Premium Chart
Sum Insured (In Rs.)
10 L
50 L
1 Cr
Premium (In Rs.)
1,621
3,749
4,396
*Niva Bupa Reassure 2.0 annual health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child
Care Supreme
Care Supreme Plan is an all-rounder health insurance plan with affordable premiums with multiple optional benefits, sum insured options, and various applicable discounts.
Care Supreme Inclusions
Care Supreme provides coverage for AYUSH treatment, domiciliary hospitalization, and organ donor cover without any sub-limits or capping
Family members can avail of the highest cumulative bonus of up to 500% to boost the sum insured with the Care Supreme plan
Up to 30% wellness discount is available on renewal premiums keeping your family encouraged and motivated to maintain fitness levels. So practice these Yoga Asanas to keep yourself healthy and maintain your fitness level.
Premium Chart
Sum Insured (In Rs.)
10 L
50 L
1 Cr
Premium (In Rs.)
1,533
2,220
2,882
*Care Supreme Plan annual health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child
ManipalCigna Prime Advantage
With features like OPD cover, sum insured restoration, AYUSH treatment, air ambulance cover, and more, ManipalCigna Prime Advantage offers your family up to INR 1 crore of the sum insured.
ManipalCigna Prime Advantage Inclusions
Family members can avail of consultations, prescribed diagnostics, and pharmacy for up to INR 50,000 per policy year
Secure your family members with ManipalCigna Prime Advantage’s second medical opinion feature for 36 listed critical illnesses
Switch Off Benefit under ManipalCigna Prime Advantage allows you and your family to close the cover after 1 year for a maximum of 30 days and get renewal premium discounts
Premium Chart
Sum Insured (In Rs.)
10 L
50 L
1 Cr
Premium (In Rs.)
7,521
3,253
3,588
*ManipalCigna Prime Advantage annual health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child
Aditya Birla Activ Health Platinum Enhanced
Aditya Birla Activ Health Platinum Enhanced offers up to INR 2 Crores sum insured. Avail coverage for rare conditions like mental illness hospitalization, and modern treatments that require advanced and modern technologies.
Aditya Birla Activ Health Platinum Enhanced Inclusions
Expert health coach for personalized workout plans, nutrition plans as well as mental health guidance.
On completing 2 claim-free years, you are awarded double sum insured on no additional premium.
Avail pre and post-hospitalization coverage for listed mental illnesses with Aditya Birla Activ Health Platinum Enhanced.
Premium Chart
Sum Insured (In Rs.)
10 L
50 L
1 Cr
Premium (In Rs.)
2,108
4,064
4,251
*Activ Health Platinum Enhanced monthly health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child
Star Health Assure
It is a versatile health insurance plan offering a high sum insured value of up to INR 2 crores making it an ideal choice to provide adequate cover for all family members.
Star Health Assure Inclusions
In case you want to accompany your family member during medical treatment for a life-threatening emergency, Star Health Assure compensates up to INR 10,000 for an immediate family member as a compassionate travel benefit
The built-in star wellness program is available for policyholders to encourage a healthy lifestyle. Points earned by fulfilling certain tasks like daily steps, regular health check-ups and more will give you 20% renewal premium discounts.
The Star Health Assure covers pain management and rehabilitation expenses plan up to 20% of the sum insured.
Premium Chart
Sum Insured (In Rs.)
10 L
50 L
1 Cr
Premium (In Rs.)
2,049
3,702
4,482
*Star Assure Plan monthly health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child
Reliance General Health Infinity
The plan is designed to provide all-around medical care to you and your family with no sub-limits and a large sum insured of up to INR 5 Crores.
Reliance General Health Infinity Inclusions
Optional cover like ’More Global’ covers emergency hospitalization and daycare treatment up to 100% of SI
Mother and Child care cover is available under the plan as an add-on, covering maternity expenses for INR 1 and 2 Lakhs depending on the sum insured option selected by you
*Reliance General Health Infinity annual health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child
HDFC Ergo Optima Secure
If you are looking for a health plan that offers overall health care coverage with no sub-limits, no room rent-capping, no disease-based capping, and no co-payments, consider investing in HDFC Ergo Optima Secure.
HDFC Ergo Optima Secure Inclusions
Under this plan, if you or your family members are diagnosed with any of the 51 listed critical illnesses, you can avail of e-opinions.
Optima Secure restores up to 100% of your SI for any illnesses or accidental hospitalization. In case you exhaust your sum insured the restore benefit provides you with the restored sum insured.
With the HDFC Ergo Optima Secure, you are entitled to up to a 100% increase in your base coverage amount on completing 2 claim-free years.
Premium Chart
Sum Insured (In Rs.)
25 L
50 L
2 Cr
Premium (In Rs.)
21,540
30,480
46,533
*HDFC ERGO Optima Secure annual health premiums are calculated with a policy term of 2 years for 2 Adults + 1 Child
Liberty Health Connect
The plan offers 4 different variants suitable for your family’s healthcare requirements that are E-connect, Basic, Elite, and Supreme—the sum insured options available range between 3 to 15 Lakhs with various additional and renewal features.
After 2 years of continuous policy renewal, Liberty Health Connect rewards you with free health check-ups regardless of your claim status
The plan comes with a no co-pay benefit, relieving you from all the financial stress
Premium Chart
Sum Insured (In Rs.)
7.5 L
10 L
15 L
Premium (In Rs.)
15,578
17,318
22,632
*Liberty Health Connect annual health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child
Care Ultimate
Ultimate Care health plan is amongst the best mediclaim policies for families in India. It is a newly launched, comprehensive cover with new-age benefits such as money back for your first year’s base premium upon spending 5 claim-free years.
Ultimate Care Policy Inclusions
Infinity bonus will increase your cover by 100% of your base SI on every renewal
Loyalty boost will increase coverage by 100% of your first year’s base sum insured after spending 7 claim-free years
The plan offers medi vouchers and pharmacy vouchers
Premium Chart
Sum Insured (In Rs.)
10 L
25 L
50 L
Premium (In Rs.)
8,582
10,800
13,707
*Ultimate Care annual health premiums are calculated with a policy term of 1 year for 1 Adult
ICICI Lombard Health AdvantEdge
If a critical illness like cancer runs in your family, ICICI Lombard Health AdvantEdge is an ideal fit as it offers coverage against 20 listed critical illnesses along with base healthcare features.
ICICI Lombard Health AdvantEdge Inclusions
In-built value-added services and wellness benefits such as video consultations, doctor-on-call, and ambulance assistance are available
Avail of hospitalization expenses outside of India including countries like the USA and Canada, up to the specified sum insured limits
Air ambulance services are covered for emergency hospitalizations up to the sum insured
Premium Chart
Sum Insured (In Rs.)
40 L
1 CR
3 Cr
Premium (In Rs.)
28,561
39,141
80,423
*ICICI Lombard Health AdvantEdge annual health premiums are calculated with a policy term of 1 year for 2 Adults + 1 Child
Benefits Of Family Insurance Plans
Take a look at all the benefits included with the best mediclaim policy for your family in India:
Cover your entire family with a single sum insured with your family insurance plan. Forget the hassle of purchasing and renewing separate health insurance for different family members.
Financial readiness for medical emergencies or planned hospitalization. Avail cashless treatments with the top mediclaim policy for your family. Invest smartly and create a financial safety net keeping your worries at bay.
Buy a mediclaim for your family at cheaper premiums as they are comparatively more affordable than individual health policies. Despite opting for a higher sum insured, investing in the top family health plan will be more economical than investing in different individual health insurance plans.
Cashless everywhere, for all your family members. Once you invest in a family mediclaim policy you are eligible to avail of cashless treatments anywhere at your convenience.
Add new family members easily under a family insurance plan at a minimal additional premium. You can also add some family members mid-policy like a newborn child.
Conclusion
Protecting your family is the top priority of every one of us. With so many plans available in the market, choosing the right family health insurance plan from the best health insurance company can be hectic. By considering the needs and budget, you can find a suitable health insurance plan for your family. Today, many employers in India also provide group health insurance plans to employees and their families. These top 10 family health insurance plans are being chosen based on what benefits they provide, how many members these plans include and the cost of premiums. These plans can be an investment in the well-being of your family for years to come.
Do not wait for an emergency, just buy the plan as early as possible, because the earlier you choose, the lesser the premiums you have to pay. So are ready to safeguard your family’s health?
Get free quotes from the best family health insurance plans at PolicyX and compare the plans to find the perfect fit for your requirements. Call us today to get started.
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Investing in India’s top family health insurance plans, a fixed sum insured amount is shared by all the covered family members. The sum insured is reduced each time a family member claims for any medical treatment. In case the sum insured is exhausted during the policy term no family member can claim their family health insurance and will have to wait for the renewal.
2. Can I add family members to my family insurance plan?
Yes, you can add your family members under the existing family health insurance at the time of renewal. However, if you are new parents some top family health insurance plans offer mid-policy addition of family members.
3. Which health insurance is best in India for family?
There are no right answers to this as each family has different medical care needs. However, there are certain parameters as suggested by IRDAI to find the top 5 health insurance plans for families in India suitable for you including CSR, ICR, wide-range of network hospitals, and solvency ratio.
4. What is the claim settlement ratio of the top 5 health insurance plans for families?
The CSR for the top 5 health insurance plans for families are:
Care Supreme Health Plan - 100% CSR
Niva Bupa Reassure 2.0 - 99.99% CSR
ManipalCigna Prime Advantage - 99.90% CSR
Aditya Birla Activ Health Platinum Enhanced - 99.41% CSR
Star Health Assure Plan - 99.06% CSR
5. What are the sum insured options available under the top 5 health insurance plans for families?
The sum insured options are :
Care Supreme - INR 7 L - 1 Crore
Niva Bupa Reassure 2.0 - INR 5 L to 1 Crore
ManipalCigna Prime Advantage - INR 5 L - 1 Crore
Aditya Birla Activ Health Platinum Premium (In Rs.) - INR 2 L - 2 Cr
Star Health Assure Plan - INR 5 L - 2 Cr
6. Which family health insurance plan is the best in India?
Family health plans are the best when customized as per the family& 039;s needs and requirements. To help you select the ideal family health plan, we have listed the top 10 family health insurance in India in this article with features, sum insured options, and premium illustrations.
7. How to select the ideal family health plan among the top 10 health insurance plans in India for families?
Factors to be considered when opting for the ideal family health insurance plan are:
Claim Settlement Ratio
Affordable Premiums
Add-ons and Optional Covers
Reviews and Ratings
Claim Support
Network Hospitals
Sum Insured Options
8. What are the common health covers in the top health insurance plan for families?
The best family health insurance must include pre and post-hospitalization charges, ambulance services, diagnostic tests, prescription drugs, maternity & newborn coverage and organ donor expenses.
9. How is the coverage amount distributed among each member in family health insurance plans?
There is a single sum insured amount for the entire family. Any of the members can use this sum insured as long as the total expenses do not exceed the limit.
10. Which relationships are covered in the top family health insurance plans in India?
Generally, 4-6 relationships are covered in the best family health plans which include, spouses, children, parents, parents-in-law, and grandparents. But in some cases, these plans also cover other relations like niece, nephew, uncle, aunt and other members of an extended family.
11. Is 5 Lakh enough for health insurance?
Yes, if you are healthy individual, then 5 Lakh sum insured is enough for health insurance.
12. Which company has the highest claim settlement ratio?
According to the IRDAI report for 2023-2024, Max Life Insurance has the highest claim settlement ratio, 99.65%.
Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.
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