Family Health Insurance Plan 2023 Top 10 Family Health Plans

Family Health Insurance Plan 2023 – To be able to pay for medical care today, your family’s financial security is essential. On an individual or floater sum insured basis, family health insurance covers all of your family members against medical expenses incurred during an emergency. Policybazaar.com provides a selection of family health insurance plans with impressive benefits, a large network of cashless hospitals, and speedy claim resolution.

To be able to pay for medical care today, your family’s financial security is essential. On an individual or floater sum insured basis, family health insurance covers all of your family members against medical expenses incurred during an emergency.Policybazaar.com provides a selection of family health insurance plans with impressive benefits, a large network of cashless hospitals, and speedy claim resolution.

Family Health Insurance Plan

As the name suggests, family-specific health plans are included in family health insurance plans. A single plan of these medical insurance policies includes your spouse, children, parents, and grandparents. You can cover a legally wed spouse, dependent children, parents, parents-in-law, etc. with family health insurance plans. apart from oneself, on a floater basis with a sum insured. To put it another way, a family floater health insurance policy allows for emergency claims up to the total amount insured.

However, this would result in decreased coverage benefits for other members of the family. The majority of family floater health insurance plans cover COVID-19 treatment, which means that if your COVID-19 results are positive, you can now benefit from long-term coverage from a new or existing medical coverage strategy. This is the most important feature of family floater health insurance..

Family Health Insurance Plan 2022

Family Health Insurance Plan 2023 Details

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What is Family Health Insurance Plan 2023?

A type of health insurance called a “family health insurance plan” provides coverage for all members of your family under a single policy. With the assumption that not everyone will fall ill at the same time, this plan allocates a fixed insured sum among all family members. The majority of family health insurance plans cover pre- and post-hospital care as well as cashless hospitals and maternity benefits.

Why Buy Best Family Health Insurance Plan 2023?

In today’s world, healthcare costs a lot and inflation is very high. If you want to protect your loved ones’ futures or ease the financial burden of medical bills in the event of an emergency, you must purchase the best health insurance policy. Additionally, there are a lot of choices available to you when it comes to purchasing health insurance for yourself and your family. This can make it difficult to choose one.

Our team of knowledgeable insurance advisors at Renew Buy can assist you in selecting the best health insurance plan to meet your healthcare requirements. Your medical expenses, daycare costs, coronavirus-related treatment costs, and other costs are covered by health insurance. You can also shop for health insurance on your own by visiting the official Renew Buy website.

Family Health Insurance Plan 2023 Top 10 Family Health insurance Plans

There’s a lot of confusion surrounding family health insurance plans these days, which is why we’ve put together this list of the top 10 family health insurance plans in 2023. We’ve tried to include both premium-based and provider-based plans, as well as plans with and without prescription coverage. We hope this list will help you explore the many options available to you and make a decision that’s right for your family.

1. Aditya Birla Active Health Platinum Plan

  • Ratio of Incurred Claims (2018-2019): 59%
  • Minimum Age of Entry:91 days of experience
  • There is no age limit for members Between the ages of 25 and 50,
  • The minimum and maximum amount protected: Rs. 2 lakhs 2 crores
  • medical conditions that already exist 48 Month

Aditya Birla insurance’s Active Health Platinum plan covers inpatient, pre-hospital, and post-hospital expenses for 60 days and 180 days, respectively. Additionally, it covers the costs of day care, domiciliary hospitalization, ambulance hospitalization, organ donation, and a second opinion for serious illnesses. In addition, it provides services related to the wellness program and reload of sum assured.

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2. Bajaj Allianz Family Floater Health Guard Plan

  • Ratio of Incurred Claims (2018-2019): 85%
  • Minimum Age of Entry:3 month days of experience
  • The minimum and maximum amount protected: Rs. 2 lakhs 10 lakh
  • medical conditions that already exist 90 days

Bajaj Allianz Family Floater Health Guard has a maximum coverage of 10 lakh with simple eligibility requirements. The policy provides a bonus of up to 50% for each year without a claim, up to a maximum of 5%.In addition, the plan benefits from income tax under section 80D of the Income Tax Act. In the event that the policy is not renewed on time, there is a grace period of 15 days. Since it is a family health plan, everyone in the family is covered by this one plan.

3. Bharti AXA Smart Super Health Insurance Policy

  • Ratio of Incurred Claims (2018-2019): 89 %
  • Minimum Age of Entry:91 days of experience
  • There is no age limit for members Between the ages of 5 and 65,
  • The minimum and maximum amount protected: Rs. 2 lakhs 1 crores
  • medical conditions that already exist 48 Month

Value, Classic, and Uber are the three variations of this health insurance plan. Hospitalization coverage, Ayush Treatment coverage, domestic hospitalization, a 5% to 25% no-claim renewal discount, coverage for critical illnesses, a recuperation benefit for critical illness or dread disease, and domestic air ambulance coverage are some of the major benefits of the Uber plan’s coverage.

4. Care Health Care Health Insurance

  • Ratio of Incurred Claims (2018-2019): 55%
  • Minimum Age of Entry:91 days of experience
  • There is no age limit for members Between the ages 18 Years
  • The minimum and maximum amount protected: Rs. 2 lakhs 60 lakh
  • medical conditions that already exist 24 Month

The premium will be waived in half for every year of no claims, up to a maximum of 150 percent. This policy provides a daily cash benefit, covers room rent in the event of hospitalization, pre-hospitalization and post-hospitalization costs in the event of surgery, and ambulance costs. Additionally, it provides coverage for up to 60 days of post-hospitalization and 30 days of pre-hospitalization expenses. Charges for staying in the ICU are unlimited. In the event of hospitalization, this policy provides a private room and one free annual medical exam. Add-ons like personal accident coverage and coverage for air ambulances, can be added as well.

5. Cholamandalam  Family Health Insurance Plan 2023

  • Ratio of Incurred Claims (2018-2019): 35%
  • Minimum Age of Entry:91 days of experience
  • There is no age limit for members Between the ages of 26 and 65
  • The minimum and maximum amount protected: Rs. 2 lakhs 15 lakh
  • medical conditions that already exist 48 Month

Cholamandalam offers this medical insurance plan in three variations: Standard, Superior, and Advance. It covers expenses for hospitalization, emergency ambulance, maternity, room and board, OPD dental cover in advance, ICU, doctor fees, and 141 daycare procedures.

6. Digit Health Insurance

  • Ratio of Incurred Claims (2018-2019): 11%
  • Minimum Age of Entry:365 days of experience
  • There is no age limit for members Between the ages of 60
  • The minimum and maximum amount protected: Rs. 2 lakhs 25 Lakh
  • medical conditions that already exist 48 Month

Individuals and families alike are covered by the Digit health insurance plan. Accidental hospitalization, maternity expenses with new-born baby coverage, and annual health exams are covered by this health insurance policy. Additionally, there is no age-based co-payment or restriction on room rent. It also provides benefits for critical illness, psychiatric benefits, daily hospital cash cover, and other benefits. There are some extra advantages that you can think about, for example, maternity benefit with barrenness cover, zone redesigns, and Ayush treatment cover (Unani, Ayurveda, homeopathy, and Siddha).

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7. Edelweiss Family Floater Health Insurance

  • Ratio of Incurred Claims (2018-2019): 59%
  • Minimum Age of Entry:91 days of experience
  • There is no age limit for members Between the ages of 25 and 50,
  • The minimum and maximum amount protected: Rs. 2 lakhs 1 crores
  • medical conditions that already exist 48 Month

Silver, Gold, and Platinum are the three versions of this family health plan. In silver, gold, and platinum plans, the plan covers pre-hospitalization and post-hospitalization costs for 30 days, 60 days, 90 days, 90 days, and 120 days, respectively. Furthermore, members under the age of 60 are exempt from paying a copayment. Additionally, only a 20% co-pay is required for those over 60.

8. Future Generali Health Suraksha Family Plan

  • Ratio of Incurred Claims (2018-2019): 73%
  • Minimum Age of Entry:91 days of experience
  • There is no age limit for members Between the ages of 25 and 50,
  • The minimum and maximum amount protected: Rs. 2 lakhs 10 Lakh
  • medical conditions that already exist 48 Month

Wellbeing Suraksha plan by Future Generali comes is accessible in both individual and family floater choices. There are three variations of this plan: basic, silver, and platinum. The pre-hospitalization costs are covered for 60 days, and the post-hospitalization costs are covered for 90 days. In addition, it provides insured members with the option to renew for life.

9. IFFCO Tokio Family Health Protector Plan

Incurred Claim Ratio (2018-19): 102%

  • Min Entry age: Children- 3 months; Adults- 18 years
  • Max Entry age: Children- 23 years; Adults- 65 years
  • Minimum and the maximum sum assured: 1.5 lakhs – 30 lakhs
  • Waiting period for pre-existing medical conditions: 48 months
  • Ratio of Incurred Claims (2018-2019): 102%
  • Minimum Age of Entry:91 days of experience
  • There is no age limit for members Between the ages of 25 and 50,
  • The minimum and maximum amount protected: Rs. 2 lakhs 30 Lakh
  • medical conditions that already exist 48 Month

The Iffco Tokio family health protector plan covers things like room rent, doctor fees, hospital registration, and other medical costs. During the policy period, it also covers 121-day care surgeries. Ayurveda, Unani, and homeopathy treatments, as well as the cost of a domiciliary hospital stay, are also covered. It also covers 11 serious diseases, like motor neurone disease, permanent limb paralysis, and major organ transplants, among others..

10. Kotak Health Care Family Health Insurance

  • Ratio of Incurred Claims (2018-2019): 59%
  • Minimum Age of Entry:91 days of experience
  • There is no age limit for members Between the ages of 25 and 50,
  • The minimum and maximum amount protected: Rs. 2 lakhs 50 Lakh
  • medical conditions that already exist 48 Month

You and your family will be covered by this comprehensive health insurance plan on a floater basis with a single sum assured. This family health insurance policy covers 150 distinct medical procedures and treatments. It covers the cost of the hospital stay, as well as the costs of 30 days before the hospital stay and 60 days after. Five additional covers are available to enhance the benefits of the coverage.

11. Liberty Secure Health Connect Family Insurance Plan

  • Ratio of Incurred Claims (2018-2019): 82%
  • Minimum Age of Entry:91 days of experience
  • There is no age limit for members Between the ages of 25 and 50,
  • The minimum and maximum amount protected: Rs. 2 lakhs 15 Lakh
  • medical conditions that already exist 48 Month

The Health Connect family plan covers pre- and post-treatment costs for up to four family members who need in-patient care. Additionally, the plan covers the cost of a domiciliary treatment if necessary, a daily cash allowance from the hospital, the cost of an organ donor, and the cost of a second medical opinion. To further enhance the benefits of the policy’s coverage, there are a variety of additional and renewal features that can be taken into consideration.

12. Niva Bupa (Formerly known as Max Bupa) Health Companion Insurance Plan

  • Ratio of Incurred Claims (2018-2019): 54 %
  • Minimum Age of Entry:91 days of experience
  • There is no age limit for members Between the ages of 25 and 50,
  • The minimum and maximum amount protected: Rs. 2 lakhs 1 crores
  • medical conditions that already exist 48 Month

In the event that the initial sum assured is exhausted, automatic replenishment is available. This policy has a higher daily cash benefit and a premium that won’t break the bank. Additionally, as NCB, the basic sum assured will be increased by 100% for five consecutive years of no claims.

13. Manipal Cigna Family Floater – Pro Health Protect Plan

  • Ratio of Incurred Claims (2018-2019): 62 %
  • Minimum Age of Entry:91 days of experience
  • There is no age limit for members Between the ages of 25 and 50,
  • The minimum and maximum amount protected: Rs. 2 lakhs 1 crores
  • medical conditions that already exist 48 Month

This plan offers a wide range of sum assured for health coverage for your family. It covers costs before, during, and after a hospital stay. Additionally, it provides a bonus that can add up to 200 percent of the sum assured. The plan also covers the cost of diagnostic procedures, contact lenses, medical aids, and other similar items. under the benefit for health maintenance It also covers the costs of alternative treatments like homeopathy, Siddha, Ayurveda, and Unani.

14. National Parivar Mediclaim Policy

  • Ratio of Incurred Claims (2018-2019): 107%
  • Minimum Age of Entry:91 days of experience
  • There is no age limit for members Between the ages of 25 and 50,
  • The minimum and maximum amount protected: Rs. 2 lakhs 10 Lakh
  • medical conditions that already exist 48 Month

People who want to donate their organs are covered by the National Health Insurance. Regardless of any complications you experience when donating your organ, All of our costs are covered by the insurance policy. In contrast, it also covers the cost of an anti-rabies vaccine worth up to Rs 5,000 for children under the age of 5.In addition, National Health Insurance will pay for all of your treatment if you require 24-hour day care.

Additionally, it provides coverage for ambulance costs for around Rs.1,000 for each condition. In addition, all premium subscribers receive a yearly discount of 5% from the National Health Insurance. The fact that this cover provides a free health incentive check-up benefit is another important feature. This plan also covers costs associated with getting pregnant.

15. New India Assurance Mediclaim Policy

  • Ratio of Incurred Claims (2018-2019): 103%
  • Minimum Age of Entry:91 days of experience
  • There is no age limit for members Between the ages of 25 and 50,
  • The minimum and maximum amount protected: Rs. 2 lakhs 15 Lakh
  • medical conditions that already exist 48 Month

The costs of one’s own and other family members’ hospitalizations are covered by this plan. Maternity insurance is also available to those who buy insurance for more than Rs 5 lakh. Medicines, oxygen, X-rays, radio/chemotherapy, medicines, surgical equipment, prosthetic limbs and devices, and other similar costs associated with medical treatment are covered. Homeopathic, Ayurvedic, and Unani treatments are also covered up to 25% of the sum assured (only in government hospitals).It also provides a voluntary co-pay option and additional cataract coverage.

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16. Oriental Health Family Floater Health Insurance Policy

  • Ratio of Incurred Claims (2018-2019): 106%
  • Minimum Age of Entry:91 days of experience
  • There is no age limit for members Between the ages of 25 and 50,
  • The minimum and maximum amount protected: Rs. 2 lakhs 10 Lakh
  • medical conditions that already exist 48 Month

The gold and silver versions of the Oriental Health Insurance Family Floater plan are available. The insured and his or her immediate family are covered by the policy. Under the Income Tax Act’s section 80D, the insured can receive tax benefits. Additionally, the plan provides a 5% no-claim bonus for each claim-free year up to a maximum of 20%.

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