Best Family Floater Health Insurance Plans in India

3 min read

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 Sum insured limits 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.

Also Read: Best Tips to Select Health Insurance for Your Family

Choose wisely!

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Gayatri Prabhu, Head-Digital Business at Mahindra Insurance Brokers Limited (MIBL) is one those few digital leaders who has the width and depth that is required to execute an ROI driven holistic digital strategy. She cuts through the noise, identifies the critical levers and leads her team to successful execution of the defined strategy. Her core mantra to win new and retain existing customers is: understand the consumer behavior and craft experiences around it.

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