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Health Insurance Plans for Family

Tax Benefits under section 80D of Income Tax Act

Covid-19 Coverage Available

Maternity and Newborn Coverage

Peace of mind regarding health and well-being

Health Insurance Plans for Family refers to the plans that allow coverage to all members of a family under one policy to cover expenses incurred against any medical emergencies. These plans are available on family floater or individual sum insured basis.

What are Health Insurance Plans for Families?

Health Insurance Plans for Family with PayBima

What are Health Insurance Plans for Families?

Family insurance plan is a single policy that encompasses each and every member of a family within it. With a health policy for family in hand, you don't have to wait to start treatment of any of your family members in the event of a health situation requiring immediate medical attention. So, under Family Health Insurance Plans, you can pay a single premium while you can ensure the health security of each of your family members against diseases and uncertainties. Since these family floater mediclaim policies provide cashless treatment in network hospitals, you can get the treatment started even if you don't have enough cash in hand in case of any medical emergency.

Paybima by Mahindra is a platform where you can avail a wide number of best family health insurance policies with lucrative plus points, such as commendable features and benefits, high ratio of claim settlement, and an extensive network of hospitals offering cashless treatment facilities.

Key Features of Health Insurance Plans for Family

A list of the key features of best family health insurance plans in India are mentioned below:

Cashless Treatment Facility

The family insurance plans present the facility of cashless hospitalization in the event of a medical emergency or in case of illness of any member of the family covered under the plan.

Maternity Cover

Best medical insurance for family allows you to avail maternity cover for pregnant mothers. They include charges like delivery cost, c-section cost, and cost incurred in case of missed abortion and so on.

Fertility Treatments

Many plans of the best health policy for family also cover fertility treatment as part of the family insurance plans. So, this helps the family to stay protected from the cost incurred at the time of embracing parenthood.

Accident Cover

With best family health insurance in India you can avail the add-on feature of accident cover. It also helps with premium waivers if the accident causes permanent or temporary disability to the insured.

Critical Illnesses

Another facility available with family health insurance plans is that you can receive remittance allowance for critical diseases for its first diagnosis. You can avail this facility even without showing any hospital bills for the illnesses covered under the plan.

Key Features of Health Insurance Plans for Family

A list of the key features of best family health insurance plans in India are mentioned below:

Benefits of Family Health Insurance Plan

A list of benefits of family floater health insurance are mentioned below:

What is covered in a Family Health Insurance Plan?

What is Not Covered under a Family Health Insurance Plan?

Below is a list of inclusions that you should know about the health insurance plans in India for families:
  • Covers in-patient hospital charges - best health insurance plan for family cover expenses of hospitalization for all the insured members. (hospitalized for 24 hour or more).
  • Day Care Charges - the mediclaim policy for a family plan cover the expenses of Day Care procedure where the patient needs hospitalization for less than 24 hours.
  • Ambulance Charges - best family health insurance covers the cost of using ambulance service for transferring the patient to the hospital during an emergency health situation.
  • Pre & Post Hospital Charges - the best cashless mediclaim policy for family in India allow coverage for pre and post hospitalization charges of the patient for investigation of the treatment and for follow up check-ups.
  • Maternity Cover - a family health insurance policy comes equipped with maternity cover for expecting mothers, and they also include costs incurred on the health of the new born baby.
  • Organ Transplant - these cashless health insurance plans for family cover expenses of organ transplantation.
  • Alternative Medical Treatment - some best family health insurance plans cover hospitalization costs that a patient incurs for getting Unani, homeopathy, Ayurveda etc. treatment.
  • Domiciliary Treatment - best family floater health insurance plans in India 2022 also cover domiciliary care where the patient avails treatment at home.
Below is a list of exclusions that you should know about full family health insurance in India:
  • Alcohol/Drugs - it doesn't cover expenses incurred for treatment of drug/alcohol abuse.
  • Cosmetic Surgery - it doesn't cover any costs brought upon the insured for the treatment of plastic surgery.
  • HIV AIDS - medical insurance policy for family doesn't cover costs against treatment of HIV and AIDS.
  • Nuclear Weapons - family medical insurance plans don't cover costs against injuries/illness caused due to use of nuclear weapons or during war.
  • OPD- some mediclaim insurance policies for family doesn't cover OPD costs as well as the cost of regular medical check-ups.
  • Life Support - the health insurance policies for family doesn't cover expenses incurred on using life support machines for the insured.
  • Overseas Treatment - if it is not mentioned in the policy, the mediclaim plans for family doesn't cover the expenses of treatment undertaken outside the country.
  • Injury caused by Criminal Activity - medical insurance India for family also doesn't cover injury caused due to getting involved in criminal activities.
  • Medical conditions already existing - health insurance for the whole family - doesn't cover medical conditions that are already existing or which the insured are already suffering from until the completion of the waiting period.

Best Health Insurance Plans for Family in India

Below are the top 5 Family Health Insurance Plans available Online in India:

Insurer Name Plan Name Sum Insured Key Features
Health Insurance Plans for Family Available Online with PayBima Aditya Birla Health Insurance Aditya Birla Activ Health Platinum Plan ranges between rupees 2 lakh - 2 crore
  • Day care charges
  • In-patient cost of hospitalization
  • OPD cover
  • Home domiciliary treatment
  • Treatment of Obesity
Bajaj Allianz Health Insurance for Family Bajaj Allianz Health Insurance Bajaj Allianz Health Guard Plan ranges between rupees 1.5 lakh - 1 crore
  • Pre, post charges of hospitalization
  • Ambulance charges for road emergencies
  • Precautionary health check-up
  • Maternity expenses
  • Cover for Bariatric surgery
Bharti AXA Health Insurance for Family Bharti AXA Health Insurance Bharti AXA Smart Super Health Insurance Policy ranges between rupees 50,000h - 5 Lakh
  • Hospitalization costs
  • Grave illness
  • Already existing diseases
  • Organ Transplantation
  • Pre, post costs of hospitalization
Care Health Insurance for Family Care Health Insurance Care Health Insurance Plan ranges between rupees 2 Lakh - 25 Lakh
  • Pregnancy cover
  • In-patient hospitalization costs
  • Organ donation charges
  • Everyday allowance
  • Yearly health check-up
Digit Health Insurance Digit Health Insurance Digit Health Care Plus Policy ranges between rupees 2 Lakh - 3 Crore
  • Pre-post hospitalization expenses
  • Maternity benefit
  • Hospitalization benefit
  • Infertility treatment cover
  • OPD benefit

Frequently Asked Question

Health Insurance for Family refers to the plans that allow coverage to all members of a family under one plan to cover expenses incurred in case of any medical emergencies. The family health plans are available on the basis of floater or individual sum insured.

Here are some benefits of the best mediclaim for the family:

  • You can avail single premium policies to save money with family insurance
  • Family Insurances are hassle-free
  • Family insurances offer flexibility to Include family members
  • Family insurance policies offer Tax Benefits
  • Family insurance plans offer good discounts

You can search for the best family health insurance plans through Paybima.com. We have a range of best family plans to cover your health. Our team can guide you through the top plans on family health insurance to help you choose the best one.

Here are some best family insurance plans available online in India:

  • Digit Health Care Plus Policy
  • Care Health Insurance Plan
  • Bharti AXA Smart Super Health Insurance Policy
  • Bajaj Allianz Health Guard Plan
  • Aditya Birla Activ Health Platinum Plan

Family health insurance plans cover all the members in a family. Thus, family insurance is a single policy that encompasses each and every member of your family within it.

Yes, a cashless facility is provided under family health insurance plans.

Yes, you can add family members to the existing family health insurance.

Both the plans have their own merits. The best thing about a family health insurance plan is that it covers all the members of a family in a single policy, so it is cost effective and hassle-free.

You can cover your legally wedded spouse, your minor/dependent kids, your parents, your spouse's parents etc.

You need a family health insurance plan to cover your loved ones as they are more affordable and covers all members of a family.

No, only family members are included in a family insurance plan, such as insurer, spouse, children, grandchildren, brother, sister, nephew/niece, parents, uncle/aunt, etc.

Yes, it is better to buy a standalone health policy, even if you are covered in a corporate health policy so that you can cover your entire family with enough coverage.

Yes, a newborn baby can be covered along with the parents in a family health insurance plan.

Here are some tips:

  • Look for the right policy coverage for the entire family.
  • Choose an affordable plan within your budget.
  • Choose the right plan that could offer enough coverage to each member of the family. 
  • Opt for a plan with a lifetime renewability option.
  • Compare quotes online before buying the plan.
  • Look for the network hospital coverage.
  • Look for a high claim settlement ratio.

Finally, select the right plan and enter your details to make the purchase

This can be done at the time of renewal of the policy. But, adding dependent members in the middle of the policy duration might not be possible, except for newly born babies. However, it depends on the insurance company and the policy you have chosen.