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Top 5 Family Health Insurance Plans To Buy In 2021

Published On Aug 23, 2021, Updated On Aug 25, 2021

A health insurance plan is important for all the members in a family. Regardless of age, every individual must have a health insurance policy to get financial aid and quality treatment at the time of medical emergency. Health insurance plans give peace of mind regarding the high medical dues that can incur during hospitalization. It offers compensation for hospitalization costs, room rents, ambulance charges, healthcare checkups, etc. Along with the basic features tax deduction benefits, no claim bonus, discounts, and various other benefits are also provided to the policyholder by the insurer.

A family health insurance plan offers health insurance to all the members in a family. It covers all the members in a family under a single sum assured and combined premium payment. The coverage of this plan is equally distributed among all the members which are insured under the policy. This type of health insurance plan can include you, your spouse, children, and dependent parents. Additional discounts and bonuses are also offered under this cover by the insurer.

Top 5 Family Health Insurance Plans To Buy In 2021

About Family Floater Health Insurance Policy

A family floater health insurance policy is a type of health insurance plan that can cover all your family members within a single policy. This health insurance cover is comprehensive and affordable for the customers as the premium payment is distributed equally among all the members insured within the plan. A basic COVID-19 specific health insurance plan is also provided along with the base cover to the policyholders. Let us look at some of the standard benefits of a family floater health insurance plan:

  • It ensures stress-free hospitalization of the policyholders as the medical dues are taken care of by the insurer.
  • You can easily add new members in the family plan and get discounts on the family floater health insurance policy.
  • The premium of this cover is affordable and cost-effective as it is distributed equally among all the members insured within the plan.
  • It includes COVID-19 specific health insurance cover to help the policyholders deal with the medical expenses incurred due to the treatment of coronavirus disease.

Top 5 Family Floater Health Insurance Plans

Following are some of the commonly bought and efficient family floater health insurance plans:

1. Aditya Birla Activ Health Platinum Plan

This family floater plan can cover you, your spouse, and children up to the age of 25 years. The guaranteed amount of money under this plan ranges from Rs. 2 Lakhs to Rs. 2 Crores. The minimum entry age for this cover is 91 days and there is no limit on the maximum entry age of this plan. For pre-existing diseases, this plan comes with a waiting period of 48 months. It offers basic benefits like hospitalization costs, organ donor expenses, ambulance charges, and much more. Cumulative bonus and wellness programs are additional services offered by the insurer.

2. Bajaj Allianz Family Floater Health Guard Cover

This health insurance cover can include children of age 90 days to 25 years and adults of age 18 years to 65 years. The money assured under the cover ranges from Rs. 2 Lakhs to Rs. 10 Lakhs. This policy can cover up to 6 members of your family with basic health insurance facilities and lifelong renewability services.

3. Bharti AXA Smart Super Health Insurance Policy

This family floater health insurance policy insures people of age 5 years to 65 years with assured sum of money ranging from Rs. 5 Lakhs to Rs. 1 Crores. It comes with a waiting period of 48 months for the pre-existing diseases. It includes AYUSH treatments, domiciliary expenses, etc. and comes in three variants for the customers to choose from.

Must Read: Who Should Choose Family Health Insurance Plans?

4. Care Health Insurance

This health insurance policy by Care Health Insurance company can cover up to 6 members from your family with an assured sum of money ranging from Rs. 3 Lakhs to Rs. 60 Lakhs. This health insurance policy includes ICU charges, personal accident covers, free medical checkups, etc.

5. IFFCO Tokio Family Health Protector Plan

With a guaranteed sum of money ranging from Rs. 1.5 Lakhs to Rs. 30 Lakhs, this health insurance cover can include all your family members. The standard inclusions under this policy are AYUSH treatments, critical illness covers, day care procedures, etc. It comes with a waiting period of 48 months for pre-existing diseases.


You can conduct your own research on the different family floater plans available in the insurance market and after comparing them you can choose to buy a suitable policy for yourself. Make sure that you go through the fine print of the policy papers carefully to avoid any confusion at the time of claim settlement process.

Also Read: How To Make A Family Health Insurance Claim?

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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