Best Family Health Insurance Plans in India 2017

If you are in the market for the best family health insurance plan in Indian insurance market, the task is tough. You will find a wide range of insurance products offered by different insurance companies, but to find the best one that fulfils all your requirements and charges nominal premium rate is difficult.

In this article you will find some good family health insurance plans and their benefits available in the market. Before listing the top insurance plans in the market let’s see some amazing benefits of buying family health insurance plan below:

High medical costs are the major reason why demand of health insurance plan is rising. Health insurance coverage is essential for everyone, for self and family. To offer health insurance coverage for entire family, insurance providers are offering family health insurance plan. This plan helps you to cover yourself and family under single umbrella. Family health insurance plan also provides coverage like regular health insurance plan, the only difference between these two insurance plans is the sum insured under family health insurance plan is higher. Check the top family health insurance plan in India:

1. Star Family Health Optima Insurance Plan

Star Family Health Optima is a health insurance policy, which offers financial protection at the time of medical emergency. Under this family floater plan you can include your entire family for the coverage. The whole sum insured offers coverage to all insured persons. The benefits offered under Star family health optima plan is given below:

Plan Name

Sum Insured

Entry Age

Coverage and Benefits

Star family Health Optima Insurance Plan

Rs. 1,00,000 to Rs.15,00,000.

18 years to 65 years

· 400+ day care treatment

· Donor treatment expenses are covered in transplant

· New born baby coverage

· 600+ network hospitals

· Pre-hospitalization expenses covered up to 60 days and post hospitalization expenses up to 90 days.

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2. Apollo Munich Optima Restore

Apollo munich optima restore plan is a individual and family floater plan. Its restoring feature is one of the best amongst all the benefits offered under this plan. This feature automatically restores the sum insured of the policy, if you use it during the policy tenure. In case of family floater plan when the family members uses the sum insured of the policy in a policy year and later any other family member falls sick in the same insured time period, this policy will restore the total sum insured without any extra premium. Following benefits are offered under Apollo Munich Health Optima Restore plan:

Plan Name

Sum Insured

Entry Age

Coverage and Benefits

Apollo Munich Health Optima Restore

Rs. 3,00,000 to Rs.15,00,000.

5 years to 65 years

· 400+ day care treatment

· Donor treatment expenses are covered in transplant

· New born baby coverage starts after 91 day of its birth

· 4000+ network hospitals

· Expenses incurred in ambulance services

· Pre-hospitalization expenses covered up to 60 days and post hospitalization expenses up to 90 days.

4. ICICI Lombard Complete Health Insurance

ICICI Lombard Complete Health Insurance plan is considered to be an effective investment tool and also financial protecting shield against medical expenses during emergency. The benefits offered under this plan are given below in the table:

Plan Name

Sum Insured

Entry Age

Coverage and Benefits

ICICI Lombard Complete Health Insurance

Rs.10,00,000.

Entry age is 3 months.

No age limit

· 400+ day care treatment

· New born baby coverage starts after 91 day of its birth

· 4000+ network hospitals

· Pre-hospitalization expenses covered up to 30 days and post hospitalization expenses up to 60 days.