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 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 serves your family healthcare needs at best. Different health insurance companies offer family floater plans with the below 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:
| Health Insurance Company | Family Floater Plan | Sum Insured |
| Star Health & Allied Insurance | Family Health Optima | 1-25 Lac |
| HDFC Ergo | Health Suraksha Plus Regain-Gold & Silver | 3-10 Lac |
| Care Health Insurance | Care Family Health Insurance | 4 Lac- 1 Cr |
| TATA AIG General Insurance | Mediprime | 2-10 Lac |
| The Oriental Insurance Company | Happy Family Floater Policy | 1-20 Lac |
Arogya Sanjeevani Policy
Intending to eliminate the state of ambiguity amongst the buyers and ensure healthcare facilities to all citizens, IRDAI has recently introduced the Arogya Sanjeevani Policy. It is a new wave of hopes 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 individual and family 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
- Minimum co-payment is only 5% of the claim amount, which is lesser than other health insurance policies
- Coverage for advance 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 offer Arogya Sanjeevani Policy
| Health Insurance Company | Policy Name | Sum Insured |
| Raheja QBE Health Insurance | Arogya SanjeevaniRaheja QBE Health Insurance | 1-5 Lac |
| Max Bupa | Arogya Sanjeevani Max Bupa Health Insurance | 1-5 Lac |
| Care Health Insurance | Care Health Arogya Sanjeevani Health Insurance | 5 Lac |
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.
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