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Best Family Health Insurance Plans In India

By Aamirbasha
|

Right now there are plenty of options for the best family floater health insurance plans in India. One needs to visit every possible website and see which is the best suited for you. What is good for one individual may not necessarily be the best for another. Here are some of the best family floater health insurance plans in India.

 

We have begun from the cheapest to the costliest in ascending order and the benefits that are covered and not covered. We wish to emphasize on the need to make a health insurance plan, as you also get tax benefits under the Income Tax Act.

Oriental Insurance

Oriental Insurance

The Oriental Insurance Company provides a plan called Happy Family Floater. The premium cost of Oriental Insurance happy Family Floater Plan is Rs 9297. In this happy family floater plan the insurance company will cover up to per cent and 10 per cent should be paid by patient. For pre existing disease the plan will start covering after 4 years.

The room rent under the plan is limited up to Rs 5000. There is no free health check up under the plan. All treatment, including allopathic treatment, non allopathic treatment such as Ayurvedic/Homeopathic/Unani treatment are covered. In this plan if the policy is not claimed the policy holder will get no claim bonus.

Star Health
 

Star Health

Star Health and Allied Insurance Co provides a plan called Family Optima. In this plan these are the benefits which are covered and not covered. The premium cost of the Star Health Family Optima is Rs 11,055. For pre-existing disease Family Optima plan will begin coverage after four years only. The room rent depends upon the city where the treatment is taking place and there are limits ranging from Rs 2,000 to Rs 15,000. Free health check up-consulting fee and health checkup are covered in this plan. This plan has a life time renewal option as well.

Bharati Axa

Bharati Axa

Bharti AXA General Insurance provides a plan called Smart Health. The premium cost of Bharati Axa Smart Health plan is Rs 12,064. In this Smart Health plan one gets coverage for 100 per cent. Again, like most other plans the pre existing disease coverage starts after 4 years. The room rent is completely covered in this policy. This plan has a life time renewal option as well.

Max Bupa

Max Bupa

Max Bupa Health Insurance Company provides a plan called Health

Companion Family Floater. In this plan there are good benefits. The premium that one needs to pay under the Max Bupa Health Companion Family Floater Plan is Rs 13,718. The plans gives various benefits like no limit on room rent, life long renewal, no claim bonus, free health check up. However, it is important to note that pre exisiting disease are not covered under this plan. However, free health check up- consulting fee and health checkup are covered in this plan. If the policy is not claimed the policy holder will get no claim bonus. This plan has a life time renewal option as well.

ICICI Lombard

ICICI Lombard

ICICI Lombard General Insurance provides a plan called ihealth plan. The premium cost if you want to avail the ihealth plan is Rs 14,668. There are no restrictions as such under the plan and the coverage is 100 per cent. Like is the norm for most health insurance companies, the pre existing disease coverage will start after 4 years. The room rent is completely covered in this policy. You can also avail a free health check up and consulting fee under this plan. Non allopathic treatment such as Ayurvedic/Homeopathic and Unani treatment are not covered. In this plan if the policy is not claimed the policy holder will get no claim bonus. This plan has a life time renewal option as well.

Apollo Munich

Apollo Munich

This is another popular health insurance company. Apollo Munich Health Insurance Company Limited provides a plan called Optima Restore. The premium payable under the Optima Restore Plan is Rs 15,274. You get coverage for 100 per cent. Interestingly, pre existing disease coverage will start after 3 years, unlike most other insurance companies where they begin after 4 years. The room rent is completely covered under this policy. You can also avail free health check upno claim bonus. In this plan if the policy is not claimed the policy holder will get no claim bonus.

TATA AIG

TATA AIG

Tata AIG General Insurance Company Limited provides a plan called Medi

Prime. The premium cost of the medi prime plan is Rs 15,488. Like most other insurance companies 100 per cent of the amount would be covered. For pre existing condition the plan will start covering after 4 years. The room rent is completely covered in this policy, which is another good benefit.

There is also free health check up and consulting fee is also free. Interestingly, non allopathic treatment such as Ayurvedic and Homeopathic/Unani treatment are covered.

Cigna TTK

Cigna TTK

CignaTTK Health Insurance Company Limited provides a plan called Pro Health Plus. The premium cost of pro health plus plan is Rs 16,063. For pre existing disease the plan will start covering after 4yrs. The room rent is completely covered in this policy. There is also free health check up- consulting fee and health checkup are covered in this plan. Remember, that you get tax benefits under the Income tax Act for premium paid for health insurance. There are many other health insurance companies that we cannot highlight. Pick and choose the one that suits you the best.

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