Family Health Insurance

Why these family health insurance plans are the best?

We have chosen these ten family health insurance plans for many legitimate reasons. Want to know what they are? Read below to understand in detail.

1. Niva Bupa Reassure 2.0

   One of our top recommendations, Niva Bupa Reassure 2.0 is the best plan for those who are looking for comprehensive coverage. The quote for this plan says, "Nothing seems impossible". It is like your health superhero, protecting you from unexpected medical expenses.

   Why is it one of the best?

   • This plan provides extensive coverage for specific diseases like diabetes and hypertension.
   • This plan can be your personal accident cover and gives coverage if there is any accident-related medical care needed.
   • Lock the Clock benefit, in which your premium will not increase based on your age, and you just have to pay the same premium until you make the claim.
   • This plan will motivate you to stay healthy and give rewards if you stay healthy.
   • Also, covers modern treatments like robotic surgeries.
   • With this plan, you will benefit from health checkups starting from Day 1.

   This plan comes with FIVE variants- Platinum+, Titanium+, Bronze+, Gold, and Bronze.

2. Niva Bupa Aspire

   Niva Bupa Aspire is the recently launched and most selling plan by Niva Bupa. The reason behind the success of this plan is its Plus in everything, starting from their variants to their benefits.

   Why is it one of the best?

   • M-iracle benefit for women and couples who are stepping into parenthood.
   • You can carry forward the unutilised base sum insured accumulated up to 10 times under the Booster+ benefit.
   • Lock the Clock+, ensures that your premiums will stay the same even in maternity benefits.
   • This plan makes you future-ready with the future-ready benefits in which you can add your future spouse in advance.
   • You can also go for international medical treatment in case you want to with the borderless benefits.
   • With the Safeguard+ benefits, you will be safeguarded against all the ordeals. This benefit will cover non-payable items, and also it protects you against inflation.

   You can choose the best among the 4 variants that are- Gold+, Diamond+, Platinum+, and Titanium+.

3. Aditya Birla Activ Health Platinum Enhanced

   Aditya Birla Activ Health Platinum Enhanced plan strikes a great balance between affordability and extensive coverage in health insurance. It is the best choice if you are seeking a budget-friendly option with comprehensive protection. Beyond hospitalisation costs, it covers maternity expenses, outpatient department expenses, chronic disease management and much more.

   Why is it one of the best?

   • Covers for dental consultation and investigations on a cashless basis.
   • You can double your sum insured in just 2 claim-free years.
   • Get mental illness hospitalisation covered, pre- and post-hospitalisation.
   • And amazingly, you can earn up to 100% of your premiums by just staying healthy.
   • This plan covers the medical expenses for the donor as well, in case you require organ donation.

4. ManipalCigna ProHealth Prime Advantage

   A health insurance that gives 360-degree coverage. This plan ensures a maximum of 2 adults and 3 children under the single policy. ManipalCigna ProHealth Prime Advantage is designed to be easier on your wallet. Also, with this plan, you will get the freedom to choose the type of room you want to stay in during your medical treatment procedure.

   Why is it one of the best?

   • You can avail of an unlimited restoration of the sum insured that is up to 100% of the base sum insured.
   • Get the optimum level of care with an annual health check-up benefit from the first year of the policy.
   • Worldwide emergency coverage with out-patient coverage benefits, if you need emergency medical treatment when abroad.
   • You have the power to switch off the policy for up to 30 days in case you are travelling abroad.
   • You will get the freedom to choose any room you want for your medical treatment.
   • The plan gives you the advantage of teleconsultation that you can use anytime.

5. Star Health Assure

   Star Health Assure is a versatile plan that will give complete coverage for everyone in your family. It covers up to 9 members of the family, in which you can cover 6 adults and 3 children. It is the indemnity plan that also financially protects you and your family in case of hospitalisation due to illness or accident.

   Why is it one of the best?

   • This plan has the power to restore your sum insured even if it gets exhausted during the policy year.
   • Stay healthy and get exciting discounts with this plan.
   • You will get high sum insured options with up to INR 2 Crore.
   • You can also avail of the expenses incurred for rehabilitation and pain management treatment.
   • Annual health check-up benefit, to every insured member.

6. Care Supreme

   Care Supreme Plan is an extensive coverage health insurance plan that safeguards you and your family members. The basic standard insurance coverage of this plan helps you to meet your health and wealth goals at the same time by covering pre-hospitalisation, post-hospitalisation, daycare procedures, organ donor expenses and much more.

   Why is it one of the best?

   • This plan gives broad coverage including daycare procedures, advanced medical treatments, AYUSH treatments, and much more.
   • Get the highest cumulative bonus super of 500% to boost the sum insured.
   • This plan allows you to get the benefit of unlimited automatic recharge of the sum insured so that you and your family can get continued coverage.
   • This plan offers unlimited e-consultation and special discounts on several services.
   • Avail a 30% bonus for maintaining a better lifestyle with the wellness benefits.
   • Also, you will get a claim shield for all the non-payable items.

7. Star Family Health Optima

   This is a supersaver policy covering every family member. Star Family Health Optima is a strategically priced family health insurance plan that offers comprehensive medical coverage to fulfil the different needs and requirements of your family. Also, it allows you to maintain a healthy lifestyle by guiding you through their app.

   Why is it one of the best?

   • In case of emergency, you can fly with the help of an air ambulance which is also covered.
   • You will get an additional sum insured in case the insured met with an accident.
   • This plan also covers the cost of medical treatment.
   • The minimum entry age of this plan is 16 days and also covers the person up to 65 years.
   • Most importantly, you will get lifelong renewability with this plan.

8. Care Classic

   With the Care Classic plan, you will get coverage based on your residential zones. This plan is perfect for you if you are a married couple, a joint family, or a young family. You will get expenses for hospitalisation, domiciliary treatment, doctor consultation, and many added services.

   Why is it one of the best?

   • You can add two riders which are OPD benefits, which cover the cost of doctor consultation and an annual health check-up rider which covers pre-selected health checkups.
   • This plan covers the treatment cost of cataracts.
   • In the case of organ donation, you will get the coverage of an organ donor.
   • Considering today's scenario, this plan also covers the cost of IVF treatment and gives every couple a chance to enjoy parenthood.
   • You will get coverage for pre-existing diseases after a 48-month waiting period.

9. ICICI Lombard Health AdvantEdge

   A very inclusive plan that covers almost everything that might be medically needed by your family and more. ICICI Lombard Health AdvantEdge policy provides a wide range of sum insured with high benefits. It is a family health insurance that secures your loved ones with a multitude of features. It provides a wide range of coverage against 20 critical illnesses including cancer.

   Why is it one of the best?

   • Get the benefit of annual health check-ups starting from 1st year.
   • Covers 20 major critical illnesses including cancer.
   • No need for pre-policy health check-ups.
   • You can get cashless hospitalisation at 7500+ hospitals in India.

10. TATA AIG Medicare

    TATA AIG Medicare Plan is designed keeping in mind the increasing cost of medical expenses. This upgraded and simplified plan covers people starting at 5 years old until 65 years old. The plan clearly says not to compromise when it comes to our health.

    Why is it one of the best?

    • Get a special bonus for being healthy.
    • No reason to split the bill, as your insurer bears all the cost of the treatment.
    • Gives global coverage, so you can also opt for the treatment outside India.
    • It also covers the expenses incurred for the Bariatric surgery.

To understand the difference between individual and family health insurance, check out our latest article on Individual Vs. Family floater plans.

Benefits of buying a health insurance plan for a family

A family health insurance plan is a cost-effective way to make sure that everyone you care about has access to quality healthcare without needing separate policies for each person. Here is how a family health plan will work for you.

Check more details about such insurance in our article Group Health insurance

Why buy health insurance plans for family online?

Buying a family health insurance online can give you a lot of benefits.

• You can buy the policy without wasting any time on the paperwork.
• Comparison of several family health insurance plans is an easy task online.
• Get the family health insurance policy documents over the mail.
• Customise the policy as per your family’s requirements.
• Save on premiums by getting exciting discounts while purchasing a suitable family health plan online.

Eligibility criteria to buy a family health insurance plan

• The minimum age of the policyholder and the family members should be between 18 to 65 years to get insured under the family health plan.
• For dependent children, the age limit should be between 3 months to 25 years to opt for family health insurance.

What is covered under family health insurance plans?- Inclusions

What is not covered under family health insurance plans?- Exclusions

How To File A Claim Against Your Family Health Insurance Policy?

• Step 1

  Visit the website of PolicyX.com, and select the "Claim" option. Then click on the "Claim Intimation" to get the form.

• Step 2

  Now select "health claim" and add the required information which is the policy number, date of birth, and other details they ask for.

• Step 3

  Now select the "claim type", whether you want to opt for a cashless claim or reimbursement. Click on the authorize and you will receive the OTP on the verified number.

• Step 4

  Get verified with the OTP and fill in the required hospital admission information, select the hospital, and fill in the hospital details in case of a non-network hospital.

• Step 5

  Upload the required documents and click on the "review" button.

• Step 6

  After clicking on the review button you need to submit the intimation for the company to review. You will receive a claim intimation number which you need to note down for future purposes.

Documents Required for Family Health Insurance Claim Reimbursement

Submit the following documents when filing for family health claims:

• Duly completed and signed claim form, in original
• Valid photo-ID proof
• Medical practitioner's referral letter and prescription
• Original bills, receipts, and discharge cards from the hospital/medical practitioner
• Original bills from pharmacy/chemists
• Original pathological/diagnostic tests reports/radiology reports and payment receipts
• Indoor case papers
• First Information Report (FIR), final police report, if applicable
• Post-mortem report, if conducted
• Any other document as required by the company to assess the claim

Things to Consider Before Choosing the Right Family Health Insurance Plan

When you are looking for the best health insurance plan for your family, you need to consider a few points. Although it is an overwhelming process, there are some factors that you need to consider to ensure you find a plan that exclusively fits your family's needs and budget.

• Number of family members you need to cover.
• Policy's renewal clause to understand the terms.
• The company should have a good claim settlement ratio.
• Your plan should cover the medical needs of your family.
• Sufficient sum insured to cover potential hospitalisation cost.

• Exclusions of the policy.
• Reputation of the company.
• The age of each of your family members.
• Compare and contrast different policies.
• Number of network hospitals the plan covers.

To know more about how to choose the right health insurance plans, click here