Your family’s health is priceless, but for safeguarding it, you do not have to break the bank. With the rising costs of medical care in India, having a reliable family health insurance plan is not a luxury – but a mere necessity.
The right plan not only provides financial security during medical emergencies but also ensures access to quality healthcare for your loved ones. Here, we will explore the top 5 family health insurance policies in India options that offer comprehensive coverage and peace of mind.
5 Most Promising Family Medical Insurance Plans: At a Glance!
| Plan Name | Claim Settlement Ratio | Network Hospitals |
| TATA AIG MediCare | 96.70% | 11,000+ Cashless Hospitals |
| Niva Bupa ReAssure | 91.6% | 10,000+ Cashless Hospitals |
| Care Supreme | 100% | 9,400+ Cashless Hospitals |
| ICICI Elevate | 98.53% | 9,500+ Cashless Hospitals |
| Aditya Birla ACTIV | 96% | 11,000+ Cashless Hospitals |
TATA AIG MediCare
TATA AIG MediCare is one of the most budget-friendly family health insurance plans in India, and it is designed to support you during medical emergencies. It offers valuable benefits like global coverage and bariatric surgery coverage. You can choose a sum insured that suits your needs, ranging from ₹3 lakhs to ₹20 lakhs.
Plus, if you buy a health insurance plan with TATA AIG, you can also enjoy other convenient features like teleconsultation services and ambulance booking, making healthcare access simpler and more efficient.
Key Features
- Global Cover: Provides coverage for inpatient and daycare hospitalisation expenses incurred abroad, provided the diagnosis was made in India and the insured travels for treatment.
- Wellness Services: Includes 8 teleconsultations with general physicians and a facility to book road ambulances in India through empanelled service providers.
- Restore Benefits: Automatically restores the Basic Sum Insured if it gets exhausted, including any accrued cumulative bonus, during the policy period.
Niva Bupa ReAssure
Niva Bupa Health Insurance, formerly Max Bupa, is a trusted name in standalone medical insurance plans for families in India. They offer affordable, comprehensive plans tailored to diverse needs, empowering every Indian to access quality healthcare. With innovative policies and customer-centric solutions, they have become one of India’s leading health and medical insurance providers.
Key Features:
- Pre-Hospitalisation: This feature covers medical expenses such as diagnostic tests, consultations and prescribed medicines incurred up to 60 days before hospitalisation.
- Post-Hospitalisation: It provides coverage for expenses like follow-up consultations, medications and therapies for up to 180 days after discharge, helping you focus on a smooth recovery.
Care Supreme
Care Health Insurance (CHI) is a trusted provider of medical insurance in India for families offering diverse health insurance plans for individuals, families and employees, including affordable options. Committed to customer satisfaction, CHI leverages advanced technology to deliver exceptional service and tailored solutions.
Key Features:
- Room Rent/ICU Charges: This plan covers room rent and ICU charges up to the full sum insured, ensuring no additional burden during hospitalisation.
- Co-pay: It offers complete coverage with no co-payment required from the policyholder.
ICICI Elevate
Healthcare costs can be overwhelming, but ICICI Lombard’s Elevate mediclaim policy in India for families is here to help. It is a flexible health plan that grows with your needs, offering coverage options you can customise. You will also enjoy perks like teleconsultations, easy medicine access and quick hospital transport.
Key Features:
- Health Check-up: The policy offers coverage for health check-ups up to 0.5% of the sum insured, with a maximum limit of ₹5,000, provided on a cashless basis for added convenience.
- No Claim Bonus: Earn an unlimited bonus on your sum insured for every claim-free year, enhancing your coverage as you stay healthy.
Aditya Birla ACTIV
Aditya Birla is dedicated to protecting lives and securing futures with the best family health insurance plans in India. With over 2.5 crore lives insured, it is a trusted name in healthcare. Their extensive network of cashless hospitals ensures families across India can access treatment easily without the stress of payment worries.
Key Features:
- Modern Treatments: The policy covers advanced medical treatments, including robotic surgery, up to the base sum insured, ensuring access to the latest healthcare technologies.
- Maternity Benefit: For a Base Sum Insured of ₹50 lakh to ₹75 lakh, maternity expenses are covered up to ₹1 lakh (domestic). For a BSI of ₹1 crore or more, worldwide maternity expenses are covered up to ₹2 lakh, providing comprehensive support for expectant mothers.
To Conclude
The best health insurance policy in India for families offers comprehensive coverage for various medical expenses, from basic healthcare to specialised treatments. It is, however, essential to assess your needs carefully and choose a plan that suits your requirements.
Always review the policy details, including the sum assured, illnesses covered, network hospitals and claim settlement procedures. The best health insurance in India for a family plan for someone else may not be ideal for you, so select the one that provides the best coverage for your situation.
Stay safe and protected!
