Best Family Floater Health Insurance Plans in India

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:

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 Free health check-ups once in 2 years irrespective of claim history 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 Recuperation benefit if diagnosed with a critical illness 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 Healthy rewards reduce the premium by up to 10% 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 Optional covers available for hospital cash, convalescence benefit, critical illness and donor cover 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 Reinstatement of sum insured 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 Organ donor coverage for the insured 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 Free annual health check-ups 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.

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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.

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