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.
Speak to an Advisor

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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