A List of the Best Family Health Insurance Options in India

Family health insurance aka family floater policy is one where several members of a single family can be covered paying a single premium in a year. It works out to be more cost-effective than taking individual policies separately in the name of family members. Most health insurance companies in India offer family health insurance.

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There are several family floater plans from leading insurers with a variety of benefits. Some of the plans are:

Oriental General Insurance – Happy Family Floater

The key features of this Happy Family Floater plan:

  • The Happy family Floater from Oriental General Insurance, is for the entire family it includes cover for Self, Spouse, Children, Parents, and Parents in Laws.
  • They have 2 variants for the Happy Family Floater, and are available in Gold and Silver.
  • The policy offers daily hospital cash benefit, as per the Gold variant and will have a limit of 0.1% of the sum assured or maximum of 10 days.
  • An attendant allowance will be provided under the gold scheme, if the child below 10 years is admitted. Rs. 500 per day will be paid to a maximum of 10 days.
  • Ambulance services are also covered under both variants, Silver – Rs. 1000/- or 1% of the sum insured; Gold – Rs. 2000/- or 1% of the sum insured.

Apollo Munich – Optima Restore:

The key features of this Optima Restore family health insurance are:

  • Pre and post-hospitalization is covered under this policy, the pre-hospitalization is covered for 60 days prior and post hospitalization is covered up to 180 days.
  • In-patient care is provided for 24 hours and above, this also provides cover for medical expenses for all day care processes which is less than 24 hours.
  • The policy covers treatment of organ transplant for the donor, in the time an organ transplant is needed.
  • Cover for ambulance charges in case of emergency Up to Rs. 2000
  • A lump sum amount for choosing shared accommodation, in network hospitals.

Max Bupa – Heartbeat Family First (Gold):

The key features of this Heartbeat Family First (Gold) are:

  • The costs of medical treatment while any of the insured individuals are admitted in the in-patient care.
  • Both pre and post hospitalization is covered under this policy, the pre-hospitalization is covered for 30 days prior to you getting admitted, and post hospitalization is covered up to 60 days after discharge.
  • Maternity Benefits are covered under this plan as well as the new-born. The new-born is covered as an insured member of the family without the need of extra premium.
  • Vaccination expenses for the new-born are covered under this plan.
  • This plan doesn’t have an age limit, all family members are covered irrespective of age.
  • Cashless facility is offered within 4 hours at any of the network hospitals.

 ICICI Lombard – Complete Health Insurance:

The key features of this completefamily health Insurance are:

  • There’s no maximum entry age for this plan, and the insured will not require going through medical tests if they are below the age of 46 years.
  • This policy will be for the whole family from children to parents. At least 1 proposer should be over the age of 18 years when purchasing this policy.
  • The policy covers expenses like inpatient hospitalization for 24 hours and above including medicine and drugs costs, surgeon fees, room charges etc.
  • Both pre and post hospitalization is under this policy, the pre-hospitalization will be covered for 30 days prior and post hospitalization will be covered up to 60 days.
  • Cashless facility is available in over 4000 partner hospitals.

Bajaj Allianz – Family Health Guard:

The key features of this Family Health Guard are:

  • With this policy Family Health Guard, both pre and post hospitalization is covered under this policy, the pre-hospitalization is covered for 60 days prior and post hospitalization is covered up to 90 days.
  • All expenses are reimbursed at the time of being admitted in the in-patient care, includes room rates, all medical consumable products, medical procedures, etc.
  • Up to Rs. 1000/- as ambulance charges in case of emergencies.
  • Medical Check-up for a continuous 4 years for the whole family.

With numerous choices to pamper you, as a consumer, there’s perfect sense in picking the one that will provide you with not just a meager health policy but an all-inclusive package. Unless you’re super-rich, it’s high time you should consider investing in a good family health insurance.

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