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Best Health Insurance Plans for Family

Published On Feb 10, 2021 5:30 AM By Sakshi Aggarwal

A family health insurance is a type of health insurance, which covers the entire family in a single insurance plan. It can be customized further as per the requirements of the family. Your family obtains the much-needed insurance coverage against increasing medical expenditures. It comprises pre and post hospitalization expenses, ambulance cover, doctor consultation, and other medical expenditures arising in case of accidents and illness.

Table Of Top 5 Plans

Family Health Plan

Sum Assured (in Rs.)

Entry Age Criteria

Aditya Birla Activ Health Platinum Plan

2 Lakh - 2 Crores

Min: 91 days

Max: No age restriction

Bajaj Allianz Family Floater Health Guard

1.5 - 5 Lakh

Adults: 18 to 65 years

Children: 3 months - 25 years

Bharti AXA Smart Super Health Policy

5 Lakh – 1 Crore

Min: 5 years

Max: 65 years

Edelweiss Family Floater Health Insurance

1 Crore

Min: 3 months

Max: 21 years

IFFCO Tokio Family Health Protector Plan

1.5 lakhs - 30 lakhs

Min: Children-3 months, Adults-18 years

Brief Features of Each Plan

1. Aditya Birla Activ Health Platinum Plan

It is more than a health insurance plan, which comes with unique features, such as:

  • Stay covered from day 1 for diagnostic tests, medicines, consultation with physicians in case of illnesses such as blood pressure, diabetes, hypertension, asthma, etc.
  • Choose your hospital room as per your preference, right at the beginning of the policy term

2. Bajaj Allianz Family Floater Health Guard

It is a comprehensive health plan that takes care of medical treatment expenditures arising during hospitalisation resulting from accident or serious illness. Some of the unique features that this insurance plan offers are:

  • All day care treatments are covered under this plan
  • 90 days post hospitalisation expenses are covered
  • 60 days pre-hospitalisation expenses are covered

3. Bharti AXA Smart Super Health Insurance Policy

It offers a number of features and benefits, such as

  • Offers a no-claims bonus of up to 100% of the Sum Insured
  • Insured person can select between critical illness cover/hospital cash
  • No capping on the rent of the room

4. Edelweiss Family Floater Health Insurance

It offers maximum protection to the insured members at an affordable price.

  • Covers customary and reasonable charges incurred towards healthcare treatment.
  • Hospitalization room expenses in a standard single private room are covered
  • Domiciliary hospitalization charges up to the sum assured limit
  • Hospitalization room expenses in a standard single private room are covered

5. IFFCO Tokio Family Health Protector Plan

Some of the benefits offered by this plan are mentioned below:

  • In-patient hospitalisation coverage for room charges, doctor’s fee, etc.
  • Alternative treatments like Homeopathy, Ayurveda, etc., are covered
  • Organ donor expenses are covered during the transplantation


A healthcare policy is a protective cover that will guard your savings in case of a health emergency and will allow you to recover in peace. To find the best health insurance policy that suits you and your family, you must compare various policies as per the needs of your family.

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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