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!
Author Bio
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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