Best Private Health Insurance Plans for Families in India
Private health insurance companies offer a range of health insurance plans for both individuals and families. Family floater health insurance plans are more popular because these plans cover the entire family under a single coverage. Each family member gets to enjoy optimal coverage and the premiums are also affordable. There are hundreds of private health insurance plans available in the market.
Best private health insurance plans for families which can be considered are:
Apollo Munich Easy Health Insurance
Apollo Munich’s Easy Health is one of the most popular health insurance plans for families. The policy comes in three variants with different sum insured levels and coverage features. A family can choose any variant as per its coverage requirements. Some salient features of the plan are as follows:
- The Stay Active benefit gives premium discounts if you adopt the habit of walking
- Sum insured levels of up to Rs.50 lakhs
- Daily cash benefit if shared accommodation is chosen
- Maternity cover is inbuilt in higher sum insured levels
- Free health check-ups after every 2-4 policy years depending on the plan variant selected
- Optional critical advantage rider and new born baby cover
ICICI Lombard Complete Health Insurance Plan
This plan is also a comprehensive health plan for families. Some of the plan’s notable features include the following:
- In patient AYUSH treatments are covered
- 100% of the basic sum insured is reinstated if it is exhausted in any policy year due to a claim
- 10% cumulative increase in the sum insured without an increase in premium id no claim is made in the policy year
- Free annual health check-ups for up to two family members
- A range of optional coverage features like hospital daily cash, convalescence benefit, home nursing, maternity benefit, etc.
Religare Care
Care is an exceptional health plan which offers coverage of up to Rs.6 crores. Other features of the plan include the following:
- More than 540 day care treatments are covered
- Annual health check-ups for all family members
- Second opinion in case of a major illness
- Optional no claim bonus super feature which doubles the sum insured within two claim-free years
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.
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