Top 7 Health Insurance Plans for Family In India - 2025

1 Aditya Birla Activ Health Platinum

• High Coverage: You and your family get a sum insured up to Rs. 2 Crores.
• Day-Care and Chronic Cover: This plan also provides 527 procedures and chronic illness cover from day 1.
• Hospitalization Coverage: It covers expenses 60 days before and 180 days after hospitalization.
• Health Returns: Get part of the premium back for staying healthy.
• Room and Reload Options: It also benefits by providing flexible room choice and extra coverage if the sum insured expires.
• Extra Protection: Aditya Birla Activ also covers organ donor expenses and emergencies abroad.

2 ICICI Health AdvantEdge plan

• High Coverage: Sum insured of this plan ranges from Rs. 5 lakh to Rs. 3 crore for the entire family.
• Family Floater: AdvantEdge plan covers up to 5 members, including spouse, children, and dependent parents.
• Unlimited Restoration: The Sum insured automatically restores if used during the policy year.
• Hospitalization Coverage: You will also get coverage 60 days before and 180 days after hospitalization.
• Day-Care & Organ Donor Cover: It covers 527 day-care procedures and organ donor expenses.
• Optional Add-ons: Maternity, newborn care, air ambulance, OPD, and consumables coverage.
• No Pre-Medical Check-up: Under this plan, there is no check-up required for individuals under 45.

3 Bajaj My Health Care

• Automatic Sum Insured Restoration: In case of a claim, this plan restores 100% of the sum insured for subsequent claims within the same year.
• Comprehensive Coverage: You and your family also get hospitalization, daycare, hospitalization, and preventive check-ups.
• No Room Rent Limit: The Insured also gets a flexible choice of room category during hospitalization.
• Renewal Bonus: This plan gives a Rs. 5,000 bonus on policy renewal to increase the sum insured.
• Preventive Health Check-ups: Free health check-ups after every policy year.
• Loss of Income Cover: Bajaj My Healthcare also provides compensation for loss of income due to hospitalization.
• Cumulative Bonus: This plan offers a bonus of up to 100% of the sum insured for every claim-free year.

4 Super Star Health Insurance Plan

• Unlimited Restoration: With this benefit of Super Star Health, the insured can restore 100% of the sum insured any number of times in a policy year.
• Modular Coverage: At the time of purchase, you can choose from 21 optional covers to customize your plan.
• Freeze Your Age: You can also lock your entry age to keep premium rates stable.
• No Room Rent Limit: The Insured can also choose any hospital room.
• Unlimited Bonus: This plan also offers up to 100% extra sum insured at each renewal, even after a claim.
• Pre-existing Disease Cover: This plan also covers certain diseases like diabetes and hypertension from Day 31.

5 HDFC Ergo Optima Secure

• Sum Restoration: This plan restores 100% of the insured amount for new claims in the same year.
• Pre and Post-Hospital Cover: Optima Secure also covers 60 days before and 180 days after hospitalization.
• Room Choice: No limit on room category during hospital stay for you and your family.
• Renewal Bonus: This plan also increases coverage by 50% after 1 year and 100% after 2 years.
• Protect Benefit: You also get payment for non-medical items like gloves and masks with no deductions.
• Global Cover: There is an option to get medical treatment abroad, with companion expenses covered.
• Wellness Discount: The policyholder also gets up to 8% premium discount for completing health goals.

6 Niva Bupa Reassure 2.0

• In-patient Care: Covers hospitalization costs, including AYUSH treatments, up to the sum insured.
• Pre-hospitalization: Medical expenses for up to 60 days before hospitalization are covered.
• Post-hospitalization: Medical costs for up to 180 days after discharge are covered.
• Modern Treatments: Covers advanced medical procedures up to the sum insured.
• Ambulance Cover: Includes road ambulance up to the sum insured and air ambulance up to Rs. 2,50,000 per hospitalization.
• Home Care: Treatment taken at home is covered up to the sum insured.
• Organ Donor Cover: Covers organ donor expenses up to the sum insured.

7 Care Supreme Health Insurance

• Disease Management: Covers diseases like diabetes and hypertension. Also, offers up to 20% renewal discount.
• Acute Care: Care Supreme gives unlimited teleconsultations with Apollo 24x7 doctors and covers diagnostic costs up to the set limit.
• Personal Accident Cover: Acts as both a health and personal accident insurance plan.
• Hospital Cash: Provides daily cash benefits for up to 30 days of hospitalization to cover non-medical expenses.
• Lock the Clock: Lets you pay premiums based on your entry age until you make a claim.
• Live Healthy Benefit: Policyholders get up to a 30% renewal discount for maintaining good health.

• One plan for everyone: You do not need to buy a separate policy for each family member. One family plan takes care of everyone together.
• Saves money: Paying for a single plan for your family is cheaper than buying individual plans for each family member. It is an easy way to protect your family without spending too much.
• No stress about high medical costs: Hospital expenses are rising every year. A family health plan helps you stay safe from big hospital bills. Your whole family is financially secured against medical emergencies.
• Covers everyone’s age: Family plans provide financial coverage for kids, adults, and even elderly parents. Knowing your family’s health is covered gives you a sense of relief.
• Free health check-ups: Some family plans offer yearly check-ups to help you stay healthy and detect problems early. This helps to avoid serious medical issues later.
• Cashless hospital stays: At network hospitals, you do not have to pay in advance. The insurer settles the bills directly with the network hospitals. Policyholders get the best treatment for themselves and their families at such hospitals.

• Sum insured amount for members
• Wide cashless hospital network
• Restoration of the sum insured after claims
• No room rent limit
• Pre and post-hospitalization costs coverage
• Inclusion of all age groups
• No Claim Bonus (NCB) offering
• Maternity and newborn cover (if needed)
• Lifetime renewability
• Tax benefits under Section 80D
• Simple and quick claim process

• Inpatient Hospitalization Expenses
• Day Care Procedures
• Ambulance Charges
• Pre and Post-Hospitalization Expenses
• Maternity Cover
• Organ Donor Expenses
• AYUSH Treatment
• Domiciliary Treatment
• OPD Cover
• Daily Cash Allowance
• Mental Illness Cover
• Consumables Cover
• Health Check-ups

• Cosmetic or plastic surgeries
• Routine medical check-ups
• Non-accidental dental treatments
• Treatment taken abroad (unless covered in the plan)
• Issues due to war, rebellion, nuclear incidents, or acts of foreign enemies
• Injuries resulting from participation in criminal or unethical activities
• Self-inflicted injuries or suicide
• Treatment for drug or alcohol addiction