Top 10 Family Health Insurance Plans 2023 in India

Good health directly impacts the stability and happiness of the entire family. It fosters both physical and emotional well-being. If the health of even a single family member is disturbed, it destroys the harmony in the family. In this post, we discuss the top family health insurance plans in India in 2023 to help you choose the best health policy for your family.  

With the rise in the number of new and deadly diseases, hospital visits have increased. And this has increased the healthcare costs for different treatments in the country. The enhanced expenses in treatment have emptied your pockets while paying towards the various healthcare expenses. Thus, to keep your savings intact, you must seriously contemplate getting comprehensive family health insurance coverage. This will allow you to avail of cashless treatments in case of any medical emergency.

Let us look at the top family health insurance policies in 2023 offered by different insurance companies in India.

Top 10 Family Health Insurance Plans 2023

Below are some of the best health insurance plans you can avail of to cover your entire family. 

Let us now understand the plans in detail:

1. Care Health Insurance

This policy allows coverage for pre- and post-hospitalization for 30 and 60 days, respectively. Other features include room rent coverage, ambulance charges, daily cash option, no limit on ICU charges, etc. It also offers free annual medical check-ups and add-on facilities like air ambulance benefits and personal accident cover, among others.

Eligibility 

• Age of entry –Adults – 18 years, Children – 3 months
• No max entry age, Lifelong renewability
• Maximum members covered – 6
• Waiting period for PED – 48 months
• Waiting period for policy-specified diseases – 24 months

2. Bajaj Allianz Family Floater Health Guard Plan

This family health plan covers the entire family under a single plan. It allows coverage for pre- and post-hospitalization for 60 and 90 days, respectively, along with other facilities like room rent, domiciliary facility, ambulance charges, daycare facility, daily cash benefit, and more.

Eligibility 

• Age of entry –Adults – 18 years, Children – 3 months
• Maximum Age of Entry – Adults – 65 years, Children 25 years
• Lifelong renewal option
• Maximum members covered – 6
• Waiting period for PED – 48 months
• Waiting period for policy-specified diseases – 24 months

3. Aditya Birla Activ Health Platinum Plan:

This plan covers in-patient hospitalization and pre- and post-hospitalization up to 60 and 180 days, respectively. Further, it covers charges for daycare treatment, ambulance charges, domiciliary hospitalization, organ donor costs, second opinion costs in case of critical illnesses, etc.

Eligibility 

• Age of entry – 91 days
• No maximum age limit
• Maximum members covered – self, spouse, and children up to 25 years of age
• Waiting period for PED – 48 months

4. Bharti AXA Smart Super Health Insurance Policy

This policy is available in three variants, namely Value, Classic, and Uber. The coverage offered includes hospitalization, domiciliary hospitalization, Ayush Treatment NCB benefit, critical illnesses coverage, and domestic air ambulance cover (Uber plan).

Eligibility 

• Age of entry – 5 years
• Maximum entry age – 65 years
• Maximum members covered – self, spouse, and children up to 23 years of age
• Waiting period for PED – 48 months

5. Edelweiss Family Floater Health Insurance:

This comprehensive health policy is available in three variants: Silver, Gold, and Platinum. The coverage offered includes pre- and post-hospitalization (ranging between 30 and 120 days, depending on the plan variant). The policy has no co-payment clause for policyholders below 60 years. 60-year-old people can have a 20% co-pay under this plan.

Eligibility 

• Age of entry – 3 months
• Maximum entry age – 21 years
• Maximum members covered – self, spouse, and children
• Waiting period for PED – 48 months

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6. Niva Bupa Health Companion Insurance Plan:

The policy offers an auto-refill option for the sum insured if it gets exhausted. The premium is reasonable and does not cause a hole in your pocket. It also allows higher daily cash benefits.

Eligibility 

• Age of entry – Adults – 18 years, kids – 3 years
• Maximum entry age – No maximum limit, Lifelong renewability
• Maximum members covered – up to 6, including 4 adults and 2 kids
• Waiting period for PED – 48 months
• Waiting period for policy-specified diseases: 24 to 36 months

7. Raheja Health QuBE Comprehensive Insurance Plan:

Under this all-inclusive health policy, the coverage received includes in-patient hospitalization, pre- and post-hospitalization, domiciliary treatment, etc. The plan also covers over 140 daycare procedures requiring less than 24 hours of hospital admission.

Eligibility 

• Age of entry – Adults – 18 years, kids – 90 days
• Maximum entry age – Adults – 65 years, kids – 17 years
• Maximum members covered – parents and children
• Waiting period for PED – 48 months
• Waiting period for policy-specified diseases: 24 to 36 months

8. SBI Arogya Premier Policy:

This is another family floater health plan that allows entry without any medical check-up till the age of 55 years. The plan offers coverage for pre- and post-hospitalization for up to 60 and 90 days, respectively. It provides coverage for daycare procedures, alternative treatment costs, etc.

Eligibility 

• Age of entry – Adults – 18 years, kids – 3 months
• Maximum entry age – Adults- 65 years, Children- 23 years
• Maximum members covered – self, spouse, and dependent children
• Waiting period for PED – 48 months

9. Manipal Cigna Family Floater ProHealth Protect Plan:

This family health plan is available with an extensive range of sum insured. The coverage offered under the plan includes pre- and post-hospitalization, in-patient hospitalization, diagnostic procedure costs, medical aids, and more. It further covers alternative treatments such as Ayurveda, Siddha, Unani, and homeopathy under AYUSH treatment.

Eligibility 

• Age of entry – Adults – 18 years, kids – 91 days
• Maximum entry age – No maximum age limit for adults, kids – 23 years
• Maximum members covered – elf, spouse, dependent kids, dependent parents
• Waiting period for PED – 48 months

10. IFFCO Tokio Family Health Protector Plan:

Last but not least, the IFFCO Tokio family health plan covers features like room rent costs, doctor fees, and other medical expenses. It also covers daycare costs, domiciliary hospitalization, AYUSH treatment, etc. It further covers 11 critical illnesses.

Eligibility 

• Age of entry – Adults – 18 years, kids – 3 months
• Maximum entry age – Adults- 65 years, Children- 23 years
• Waiting period for PED – 48 months

Popular Health Insurance Companies 2023

To Sum Up

Health insurance policies serve as a protective cover to safeguard your pocket and your savings during health emergencies. They allow the head of the family to stay worry-free in health emergencies, especially from monetary hassles. Compare different policies to choose the best health plan in India to protect yourself and your dear ones from health concerns.

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