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.

Five of the best health insurance plans for family which can be considered

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