Top 5 Health Insurance Plans for Family – 2025 Best & Affordable Family Mediclaim Policy in India

Whether it is taking treatment at a hospital for a medical condition or buying health insurance plan for your family and yourself, affordability is prime in both the cases. With healthcare costs on the rise at all times, it cannot be denied that one simply cannot afford to spend all their hard-earned money on one hospital stay in case of an emergency. This is where health insurance comes to the rescue. However, medical insurance itself should not become so unimaginably expensive that one needs to think twice before buying a financial cover for their health.

This is why it is crucial that family health care plans are within affordability limits of an individual so that they can easily buy the required number of policies to take care of all their healthcare needs and those of their family. To help you make an informed decision, here we list out some of the most affordable family health insurance plans in India that you can consider buying this year.

5 Best and Affordable Health Insurance Plans in India 2025

When buying a mediclaim policy for you and your loved ones, you may consider one of the following top and easily affordable health insurance plans available in India in 2025:

1. Star Health Senior Citizens Red Carpet Health Policy

As is evident from its name, the policy is exclusively designed for the elderly to help them take care of their healthcare costs in old age.

Here are some of the top features of the Senior Citizens Red Carpet Health Plan by Star Health Insurance:

• Entry limit for the plan: 60 years and over
• Cover amount: Between Rs 1 lakh and Rs 25 lakh
• Network hospitals: Over 12,000
• Policy tenure: Available for 1, 2 and 3 years
• Plans available: Individual and family floater plans
• Coverage under the policy: Costs incurred on surgery, including robotic surgery, deep brain stimulation, bronchial thermoplasty, intra vitreal injections, and more, as well as on general procedures requiring day care.
• Pre-existing illnesses: Covered from the second year of the plan
• Medical test: Not required

2. Aditya Birla Activ Health Platinum Plan

One of the top names in the insurance sector, Aditya Birla offers health insurance plans in a wide affordable range to make healthcare easily affordable to every common man.

Here are some of the top features of the Activ Health Platinum Policy by Aditya Birla:

• Types of plans offered: Basic and comprehensive
• Cover amount: Between Rs. 2 lakh and Rs. 2 crore
• Network hospitals: More than 10,000
• Pre-existing illnesses: Chronic health conditions like asthma, diabetes, hypertension, and the like are provided coverage from the first day of the plan
• Coverage scope: Costs incurred during 2 months of pre-hospitalization treatment and 6 months of post-hospitalization care; consultation charges, diagnostic tests, medicine charges, treatment of illness, conditions like obesity, and domiciliary treatment also covered up to the sum insured
• OPD cost coverage: Rs. 1000 offered in case of sum insured of Rs 15 lakh and more

3. ICICI Lombard Complete Health Insurance Policy

As the name suggests, the plan is designed to take care of all your health care needs and is a complete protection package for every type of unforeseeable medical requirement.

Here are some of the top features of the Complete Health Insurance Plan by ICICI Lombard:

• Types of plans available: Basic and comprehensive, individual and family health plans
• Network hospitals: Over 6500
• Cover amount: Between Rs 1 lakh and Rs 50 lakh
• Medical test required pre-insurance: No medical test needed upto 45 years
• Co-pay required: Not needed up to the age of 45
• Pre-existing health conditions: Covered after the completion of 2 years from the start date of the plan; also available only under the plan that has sum insured of Rs. 3 lakh and more
• Special features: Two free coupons for medical checkup are provided to policyholders every year under family floater plan

4. HDFC ERGO Health Suraksha

The best part about this plan from HDFC ERGO is that it offers cost coverage to people of any age, meaning that there is no restriction in terms of age when it comes to availing the benefits of this affordable plan.

Here are some of the top features of  the Health Suraksha Plan by HDFC ERGO:

• Cover amount: Rs. 3-10 lakhs
• Network hospitals: Over 13,000
• Coverage under the plan: Surgeries and day care costs, organ donation expenditure, alternative treatment cost such as Ayush, pre-hospitalization treatment cost for 2 months and post-hospitalization care expenditure for 3 months
• Other benefits: Air ambulance costs covered along with those of mental health therapies, and maternity costs, including newborn baby care.

5. Star Family Health Optima

Yet another offering by Star Health Insurance company, this plan is a great affordable choice for those looking to cover the needs of the entire family under one single plan. Family floater plans are available with the company at easily affordable premium rates.

Here are the top features of the Family Health Optima policy by Star Group:

• Network hospitals: Over 12,000
• Cover amount: Rs, 1-25 lakhs
• Grace period for renewal: 120 days
• Accident coverage: Sum insured increases automatically by 25% or up to Rs. 5 lakhs in case of accident of the policyholder
• Scope of coverage: All hospital stay costs, including cost of medicines, consultation, room charges, and tests. Emergency ambulance and air ambulance service charges are also covered ( up to 10% of the sum insured).
• Organ transplant coverage: Costs up to Rs. 1 lakh covered
• Pre- and post-hospitalization costs: Covered for 2 months of pre-hospitalization treatment and 3 months of post-hospitalization care.