7 Health Insurance Plans for Families in India 2023 ?

• Health Insurance Plan of Aditya Birla
• Health Insurance Plan of Digit
• Health Insurance Plan of Kotak
• Health Insurance Plan of Optimistic Star 
• Health Insurance Plan IFFCO-Tokio
• Health Insurance Plan of Care Healthcare
• Frequently Asked Questions About Health Insurance Plans

Family considered 7 health insurance plans in India for 2022 listed below.

• Aditya Birla Active Health Platinum Plan (Insured amount ranges from Lakh to Rs 2 crore) .
• Bajaj Allianz Health Protection Plan (Amount insured from Rs 1.5 lakh to Rs. 1 Crore)
• Bharti Axa Smart Super Health Insurance Scheme (amount insured ranges from Rs 50,000 to Rs 5,000)
• Health Insurance Scheme Malattia (amount insured is Rs 5,000 to Rs 5,000) .75 lakh)
• Digital Healthcare Plus Plan (total insurance is Rs 2 lakh to Rs 2 lakh

Family health insurance offers financial security for parents, spouses, children and grandparents. Insurance companies in India offer a variety of plans for customers with different features. However, you need proper research which will be very helpful in making the right choice. When choosing family insurance, there are a few things to consider in order to make the best decision. Most insurance plans are designed to meet the coverage requirements of people.

Policyholders should familiarise themselves with the inclusions and exclusions when choosing family insurance options. This in turn makes it easier to assert claims against the insurer. In addition, the right type of family insurance will help ensure maximum protection against high medical care bills. At the same time, it is good to learn about the best family health insurance plans in India from various sources before investing your money. It also allows policyholders to receive quality care at the listed hospitals.

1. Health Insurance Plan of Aditya Birla

Aditya Birla is one of the leading health insurance companies in India offering exclusive family plans. The plan includes sums insured from Rs. 2 lakhs to Rs. 2 crores.

Some of the benefits covered by the health  policy include the patient’s hospitalisation, pre-hospital stay with a 60-day waiting period, post-hospital stay with a 180-day waiting period, day care, home care, ambulance insurance, charitable expenses, health Checkup Program, Chronic Treatment Program, Wellness Coach, Hospital Benefits etc. Also, the family policy covers up to 9 members, giving you more benefits. In addition, the plan has age limits and the minimum age is 91 days.

2. Health Insurance Plan of Digit 

Among the best family health insurance plans in India, Digit Family Health Insurance offers comprehensive coverage.

The plan allows policyholders to limit the sum insured from Rs. 2 lakh to Rs. 25 lakh. Some of the features included in the policy include Accidental Hospitalisation Surcharge, Critical Illness Hospitalisation Surcharge, Annual Checkups, Ambulance Insurance, ICU Rental, Mental Health Health Insurance, Ayush Insurance, Organ Donation Expense, Maternity, Newborn Insurance, Bariatric Surgery, None Age-appropriate premium, surcharge, , etc. 

3. Health Insurance Plan of Kotak 

Kotak Insurance Company offers several types of plans for families to better protect them from financial crises. Family health insurance includes sums insured from PLN 1,000. From 3 lakhs to Rs. 25,000,000. This is a complete plan that offers exclusive features for family members.

Some of them include day care procedures for various diseases, organ donation expenses, home hospitalisation, hospital per diem, hospitalisation, flight ambulance insurance, etc. The maximum age to participate is 65 years and the minimum age to participate is 91 months.

4. Health Insurance Plan of Kotak 

Max Bupa Health Insurance offers a unique and affordable health family plan that shows you how to get comprehensive coverage. The policies that company offers is with sums insured from Rs. 1 lakh to Rs. 1 crore.

Enables the policyholder to receive quality care at the listed hospitals. Some of the benefits offered by the policy include patient’s hospitalisation, pre-hospital care, post-hospital care, home care, OPD insurance, AYUSH treatment, organ donation costs, asylum treatment, etc. The plan is the best family health insurance in india. which aims to meet customers’ needs in terms of reach. Plus, premium pricing is affordable, so the can easily outweigh the cost of financing.

5. Health Insurance Plan of Optimistic Star 

Star Health is one of the health insurance companies that offers a wide range of family plans. It allows policyholders to choose a plan with sums insured starting at Rs. 1 lakh to Rs. 25 lakh, thus revealing opportunities to gain more benefits. The plan includes benefits such as health checks, home hospitalisation, hospitalisation, ambulance expenses, air ambulance, modern health insurance, newborn insurance, organ donation insurance, pre-hospital, post-hospital, etc.

In addition, the tariff provides for an additional sum insured against traffic accidents if the insured person is travelling on two wheels.

6. Health Insurance Plan of IFFCO-Tokio

IFFCO-Tokio, a health insurance company, offers different types of plans for families to ensure comprehensive coverage. The plan offers sum insured options starting at Rs. 1.

5 lakhs to Rs. 30 lakhs. Some of the features covered by the policy include 160-day clinic coverage, medical check-ups, vaccination costs, critical illness coverage, AYUSH treatment coverage, etc. In addition, the policy provides daily allowance up to a maximum of Rs. 1,000 per day depending on the sum insured .

Customers can purchase a plan online by visiting the company’s website directly. The policy does not cover medical visits for policyholders under the age of 60.

7. Health Insurance Plan of Care Healthcare 

Care Healthcare Insurance, formerly known as Religare Health Insurance, offers affordable family plans in the markets. The company offers a tariff starting at Rs.5 lakh to 6 crore. 

Some of the features covered by the policy include AYUSH treatment, annual check-ups, emergency hospital stays, pre-hospital care, organ donation fees, follow-up care, day care expenses, plans, etc. It is the best family insurance in India with co-payment exemption and other features. The plan is available with a lifetime renewal option with no age limit.

At the same time, there is a waiting period for certain illnesses and pre-existing conditions. 

Frequently Asked Questions About Health Insurance Programs

What are the main benefits of purchasing family health insurance?

• You’ll be covered for all family members• Premiums are reasonable and won’t break the bank

• Some insurance companies also offer maternity insurance

• You will get yourself comprehensive health insurance

• New members can easily be added to the plan

• You can receive tax credits on all premiums paid

Who is not covered by family health insurance?

If your parents are over the age of 65, they may not be covered by family health insurance. Maternal uncles are also not insured.

What is the minimum health insurance premium for a family in India?

According to various insurance sites, a Rs 5,000 family policy covering you, your spouse and one child costs between Rs 10,000 and Rs 17,000 annually. Likewise, an individual health insurance plan for a 34-year-old man costs almost Rs 4,000 to 7,000 per year.

What differentiate single person health insurance and family health insurance?

Individual health insurance includes one person. But the family health policy covers the entire family of people.

Do I receive non-cash care with my family health insurance plan?

Like individual health insurance, family health insurance provides policyholders with non-cash care. With this type of plan, you and your family members can use cashless devices in hospitals on the insurance company’s network. Once you or a family member are admitted to an affiliated hospital, all bills are billed directly to the hospital insurance company.

How does Family Health Insurance work?

The Family Health Plan is the most convenient and affordable health plan that covers all of your family’s health needs at one premium. You can purchase coverage for up to six family members, including you, your spouse and up to four children.

Why do I need family health insurance? 

Healthcare costs and medical inflation are raging like never before, especially during the COVID-19 pandemic. Many families cannot afford the healthcare costs associated with their illnesses and injuries. Family health insurance with adequate coverage protects you and your family against a variety of life-threatening illnesses. In addition, family health insurance is much cheaper and more convenient than individual policies for each member of the family.

Conclusion

The purpose of health insurance is to provide financial protection for you and your family during medical emergencies. Now is the time to get your family health insurance done!