How Do You Find The Best Family Health Insurance Plans In India?

How to protect and secure your family at present is a concern for everyone. Whether it’s COVID-19, lifestyle diseases, critical illnesses, or chronic diseases, all you need is a comprehensive health insurance plan that gives your family maximum coverage. However, when you start browsing the ideal plan, you are flooded with numerous options. Therefore, to eliminate this state of confusion, here are some of the best family health insurance plans in India that you can opt for. Take a look!

Family Floater Plan

It is the plan that best serves your family’s healthcare needs at best. Different health insurance companies offer family floater plans with the following features:

• Coverage for all the members under a single plan
• Include a maximum of six family members under the same family floater plan
• Single premium at an affordable price
• Cover in-patient hospitalization, pre and post-hospitalization, ambulance, second opinion, alternative treatment, domiciliary hospitalization, alternate treatments, advanced treatment, daycare treatment, etc.
• Immediate cashless hospitalization facility for all the insured family members during a medical urgency
• Add-on benefits such as no claim bonus, automatic recharge, international second opinion, global coverage, and annual health check-up
• Tax benefit under section 80D of the Income Tax Act of India 1961

So, as healthcare inflation is rising, family floater policies help you get the best possible treatment for your loved ones in a medical emergency. It keeps you away from financial stress and protects your family. Below is the list of the best family health insurance plans in India:

Arogya Sanjeevani Policy

Intending to eliminate the state of ambiguity amongst the buyers and ensure healthcare facilities for all citizens, IRDAI has recently introduced the Arogya Sanjeevani Policy. It is a new wave of hope for the people who want to protect themselves and their families but have limited income. It is one of the best family health insurance plans in India; let’s check out its main features:

• Standard health insurance for individuals and families with basic coverage for healthcare and medical emergencies
• Covers hospitalization expenses and treatment costs up to the sum insured maximum of Rs.5 lac
• Claim process, inclusions, exclusions, terms, and conditions of the policy may differ slightly from regular health insurance
• Arogya Sanjeevani Health Insurance is also affordable with a low premium
• Offer AYUSH treatment, cataract treatment, pre and post-hospitalization consultation, surgeon fees, ICU charges, and modern treatment methods
• The minimum co-payment is only 5% of the claim amount, which is less than other health insurance policies
• Coverage for advanced treatments such as robotic surgeries, deep brain stimulation, balloon sinuplasty, stereotactic radio surgeries, and stem cell therapy
• Tax benefit under section 80D of the Income Tax Act of India 1961 

Top Health Insurance Companies Offer Arogya Sanjeevani Policy

Below is the list of the top health insurance companies that offer the Arogya Sanjeevani Policy

So, if you do not want to wipe off your savings on medical bills but want to secure your family, you can opt for any of them. But, explore wisely while choosing the best family health insurance plans to do a world of good for your loving family.