Best Family Floater Health Insurance Plans in India
.png)
There are a lot of health insurance plans available in the market covering the entire family. These are called family floater plans and they are cheaper than individual health insurance for each family member. Since family health plans are popular, every health insurance company offers a family insurance plans. Among hundreds of family floater health insurance plans in India, it becomes difficult for individuals to choose the best mediclaim for family. So, here is a list containing the best family floater health insurance plans in India:
.png)
List of Best Family Floater Health Insurance Plans Available:
Name of the plan | Covered members | Covered members | Salient features |
Apollo Munich Optima Restore | Self, spouse, dependent children, dependent parents or parents-in-law. Maximum of 6 members with a maximum of 2 adults and 5 children. | Rs.3,5,10,15,20,25 and 50 lakhs | 100% restoration of the sum insured Multiplier benefit doubles the sum insured in two claim-free years under this insurance for family No room rent sub-limits Optional critical advantage rider Stay Active benefit provides premium discounts |
Bharti AXA Smart Health Insurance Plan | Self, spouse and a maximum of two dependent children | Up to Rs.5 lakhs | Inbuilt critical illness cover AYUSH treatments covered up to the sum insured Home nursing and inpatient physiotherapy expenses are also covered |
Cigna TTK ProHealth Plus | Self, spouse, dependent children. Maximum 2 adults and 3 dependent children | Rs.4.5, 5.5, 7.5 and 10 lakhs | Up to 30% premium discounts Worldwide emergency cover Maternity, new born and first year vaccination expenses are covered Free annual health check-ups |
ICICI Lombard iHealth Complete Health Insurance Plan | Self, spouse, dependent children, dependent parents and siblings. | Rs.3,4,5,7,10,15,20,30 and 50 lakhs | 100% sum insured reinstatement Free value added health services |
Max Bupa Health Companion Family Floater Plan | Self, spouse and dependent children. Maximum of two adults and four children | Up to Rs.1 crore | Three different variants with different coverage limits and features Vaccination cover against animal bite No maximum entry age |
Oriental Insurance’s Happy Family Floater Silver Plan | Self, spouse, dependent children, dependent parents or parents-in-law, dependent unmarried siblings. | Rs.1 to Rs.5 lakhs | On request coverage extension to SAARC countries free of cost Maternity and new born baby cover Restoration of sum insured Optional personal accident cover |
Star Health Family Health Optima | Self, spouse, dependent children. Maximum of two adults and three children | Rs.3, 4, 5, 10, 15, 20 and 25 lakhs | Auto recharge of sum insured up to three times at start health family health optima Assisted reproductive treatments are covered New born coverage from the 16th day |
TATA AIG Mediprime | Self, spouse, dependent children and dependent parents. Maximum of two adults and three children | Rs.2, 3, 4, 5, 7.5 and 10 lakhs | Accidental dental treatments are covered Vaccination costs, whether incurred as an inpatient expense or outpatient expense, are covered |
So, after compare insurance plans, choose your favorite mediclaim policy for family from this list and insure your family.
Over to You
Care Health Supreme and HDFC ERGO Optima Restore are among the best health insurance policies in India today. It is a matter of your priority, coverage depth over cost effectiveness. Here’s a quick recap for you to make an informed decision.
Both offer coverage of up to ₹1 crore; Optima Restore starts at ₹3L, Care Supreme at ₹7L. Supreme offers unlimited recharge; Optima Restore offers 100% once a year, after a claim is made. Care includes OPD + unlimited e-consults; Optima lacks OPD, allows one consultation/year. Care gives a 30% discount + 500% bonus; Optima offers 8% discount + 50% bonus. Care Supreme is costlier but has more features. Optima suits budget buyers; Care fits those needing wider, long-term coverage.
Whichever health insurance plan you choose, ensure to read the policy wordings and seek advice from an expert before you make the purchase. The best health insurance is the one that covers you the way you want to be covered.
Speak to an Advisor Both offer coverage of up to ₹1 crore; Optima Restore starts at ₹3L, Care Supreme at ₹7L. Supreme offers unlimited recharge; Optima Restore offers 100% once a year, after a claim is made. Care includes OPD + unlimited e-consults; Optima lacks OPD, allows one consultation/year. Care gives a 30% discount + 500% bonus; Optima offers 8% discount + 50% bonus. Care Supreme is costlier but has more features. Optima suits budget buyers; Care fits those needing wider, long-term coverage.
Whichever health insurance plan you choose, ensure to read the policy wordings and seek advice from an expert before you make the purchase. The best health insurance is the one that covers you the way you want to be covered.


Author Bio
Paybima Team
Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.
Other Health Insurance Products
Latest Post
So, you’ve crossed the fabulous 60 mark. Retirement may be on the cards, your kids might be off doing their own thing, and suddenly your knees are making more noise than your WhatsApp notifications. Welcome to the senior citizen club.
Now let’s talk about something most of us tend to postpone until a doctor gives us a reality check: health insurance. If you are wondering whether buying health insurance after 60 makes sense, the answer is a loud and clear yes. This article will cover everything you need to know about it, how it makes sense, how it differs from health insurance for young adults, and what you need to look out for when checking for medical insurance above the age of 60.
.png)
April 2 is observed as World Autism Awareness Day and there is no better way to observe the day than to raise awareness of this condition and to promote kindness towards autistic people. Read on to know more.

Car depreciation implies the difference between the cost of a car at the time of buying the car and when you sell it. A car insurance claim amount is determined by the car depreciation rate. The car depreciation rate is the reduction in the value of your car over its lifespan caused by wear and tear.

Fixed Deposits (FDs) are one of the safest ways to grow your savings. HDFC Bank offers attractive FD interest rates, allowing you to earn guaranteed returns on your investment. But before you invest, it's important to know how much interest you will earn and what your final maturity amount will be.

If you think of life insurance, chances are you are picturing something people buy in their 30s or 40s. But what if you are 65 or older and just getting started? The good news is that you are never too late. Whether you are thinking of easing the financial burden on your family, covering final expenses, or simply leaving behind a legacy, there are life insurance options tailored just for you.
This article will be a guide to life insurance for senior citizens above 65 years, explaining why it is important, the type of insurance options, and how to get the right policy for you.