A family health insurance plan is a single health insurance plan that covers your entire family including spouse, children, dependent parents, and in-laws with the sum insured shared among the all registered people. People these days are looking for holistic coverage, which family floater health insurance policy provides. Buying a health insurance plan for family is a much cheaper option than buying individual health plan for each individual in your family.

Most family health insurance plans offer cashless hospitalization facilities, maternity benefits and cover pre & post hospitalization as well. Nearly 30% of the population – amounting to 40 crore individuals are without a health insurance. It is important for every family to avail a health insurance as lifestyle related illness are highly prevalent and the medical expenses related to treating it are very high. There are so many health insurance policy for families available in the market, picking the best health insurance for family is a big task. We have made that task easier for you.  Fincover, India’s best insurance aggregator has listed out the top 5 health insurance plans for family 2024

Health Plan Sum Assured Family Members Premium
Niva Bupa Reassure 2.0 5 Lakhs – 1 crore Up to 6 Members From ₹10,519/yr
Aditya Birla ACTIV HEALTH PLATINUM ENHANCED up to ₹2 crores Upto 6 Members From ₹8215/Yr
ManiPal Cigna ProHealth Prime Insurance Advantage Rs 5 lakhs to Rs 1 crore Upto 5 Members From ₹9783/Yr
Star Health Assure Insurance Policy Rs. 5 lakhs to 2 crores From ₹7259
Care Supreme Rs 7 Lakhs to 1 crore From ₹11129


1. Niva Bupa Reassure 2.0


This plan is available in 5 types – Platinum+ , Titanium+, Bronze+ , Gold, Bronze

In-patient care for hospitalization of more than 2 hours, 24 hours for AYUSH

Pre-and Post-hospitalization expenses for 60 days prior to hospitalization, 180 days after you get discharged

Get domiciliary treatment : Your health insurance will cover a host of dental, ENT and other procedures

Standout points

  1. Pay premiums as per your entry age (until you make a claim). (part of ReAssure+ Benefit
  2. Each Claim under ReAssure “Forever” will be up to Sum Insured.
  3. Get up to 30% renewal premium discount
  4. Avail health check-up for all insured members starting from Day 1
  5. Save taxes on the premiums paid under section 80D of the Income Tax act
  6. Carry forward the unused sum insured up to 10 times of base cover

Add-on covers

Disease management – day 1 coverage for BP and Diabetes. Along with 20% renewal discount

  • Acute Care – Unlimited tele-consultations with Doctors of Apollo 24/7
  • Safeguard – Annual increase in coverage based on inflation
  • Personal accident cover – 1 lakh cover
  • Hospital Cash – It pays for hospital cash for upto 30 days of hospitalization If hospitalized for more than 48 hours,


2. Bajaj Alliance Active Health Platinum Enhanced

Unique Features

  • Upto 100% Health Returns – Get upto 100% premium back as healthreturnsTM by staying active and healthy
  • Expert Health Coach – Get dedicated health coach who will provide a personalized workout, nutrition plans, and mental health guidance
  • Double Sum Insured in just 2 claim free years – Get double sum assured for having two successive claim-free years
  • 100% Sum Insured Reload – get 100% of your Sum Insured as a refill during the policy year
  • Dental Procedures – This policy provides listed dental treatments on a cashless basis
  • Coverage for Mental Illness – pre and post hospitalization expenses for mental illnesses.

Understanding the coverage better

  • HealthReturnsTM – It offers a chance to get 100% of your premium back. You can get that by completing a health assessment on their Activ Health App and by generating a healthy heart score
  • Start your fitness journey to earn ActivDayz
  • 1 ActiveDayz = Walking 10000 steps a day or burning 300 calories a day or 30 min gym session
  • Health Assessment – Measure your Medical report on demand  including BP, BMI, Smoking Status, Blood Sugar, and Total Cholestrol
  • Premium Waiver – Premium waiver feature that can use to have a premium-free year
  • Chronic Care Management Program – It is specially designed to keep these lifestyle conditions in check and lead an empowered life

Why Aditya Birla Health Insurance?

Activ Health App – Track your health and get rewarded

Healthcare Network – Make Convenient cash payments at 6000+ network hospitals in 650+ cities

Quick and easy claim settlement – Gets claim processed and receive an update within 2 hours

3. ManiPal Cigna ProHealth Prime Insurance Advantage


  • Get cover up to Sum Insured for pre, post, & in-patient hospitalization – for 60 days before & 180 days after the hospitalization
  • Get a single private room with AC & ICU room up to Sum Insured
  • Get cashless cover up to ₹50K per year for pharmacy, consultations, diagnostics, including dental and vision with Advantage plan
  • Daily Hospital Cash – Get daily hospital cash as per your Sum Insured up to a maximum of ₹7K per day.
  • Air Ambulance – Get Air Ambulance cover upto Rs.10000
  • Comprehensive Cover – Get modern and advanced treatments for mental illness, HIV/AIDS and stigma related diseases
  • Entry Age – Valid for children aged 90 days to 25 years for floater, and adults from 18 years – 70 years are eligible for the policy

Optional Packages

  1. Enhance – Room Accommodation – upgrade to “Any Room”,

Maternity & New Born (Including 1st year vaccination expenses)
10% of SI per delivery subject to a maximum of ₹ 1Lac

  1. Freedom – Room Accommodation upgrade to any room

Worldwide emergency hospitalization with OP covers

  1. Cumulative Bonus Booster – 50% of SI per policy, subject to a maximum of 200%
  2. Critical Illness Add-on cover – Critical Illness benefit rider subject to the maximum of Base SI

Discounts available

  • Get discount of 3% on the renewal premium, if it is received via standing instruction
  • Get discount of 7.5% on total premium for one-time two year policy, and 10% of premium for one-time 3 year policy
  • For multi-individual policies within a family comprising 2 or more members, enjoy a discount of 20% on the total premium.
  • ManipalCigna ProHealth Prime offers the best sum Insured to cover Hospitalisation expenses, Pre & Post Hospitalisation expenses & day care treatments. Consider the high medical inflation these days, it easily emerges as one of the best options. Additionally, this policy also provides cover for Individuals with pre-existing conditions like Asthma, Diabetes, and Hypertension

4. Star Health Assure Insurance Policy

Plan Essentials

  • Wide Cover – Enjoy wide coverage with your spouse, children (maximum 3), parents, and parent-in
  • Comprehensive Coverage: Provides extensive coverage for hospitalization, pre and post-hospitalization expenses, and daycare treatments, ensuring your family is protected against a wide range of medical expenses.
  • Mid-term – Newly born baby, Legally adopted baby can be added to the policy by paying an additional premium
  • Delivery – Delivery expenses including Caesarean section (pre-natal and post-natal) are covered
  • Automatic Restoration of Sum Insured – 100% of the Sum Insured will be restored unlimited number of times in the policy year that can be utilised for all the claims.
  • New Born Cover – Hospitalisation expenses for the treatment of newborn are covered from day one of birth till the expiry date of the policy subject to limits
  • Waiting Period – Pre-Existing Diseases (3 year term) – 30 months, For Pre-Existing Diseases (1 and 2 year term) – 36 months, For Specific Diseases/Procedures – 24 months
  • Domiciliary Treatment – Expenses incurred for home care treatment for specified conditions are covered up to 10% of the Sum Insured

Star wellness program

The Star Wellness Program is designed to promote a healthy lifestyle among policyholders. It includes personalized health coaching, fitness and diet plans, and regular health check-ups. Get premium discounts of upto 20%

Diagnostic Centres

Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkup at doorstep


Get medicines online at a discounted price. Home delivery and Store pick-ups are available across 2780 cities.

  • Exclusions
  • Intentional Self-injury
  • Cosmetic Treatment
  • Sexually Transmitted Diseases
  • Contraception and sterilization
  • Refractive error

Hospitalization due to war, strike, or riots

5. Care Supreme

  • Comprehensive Coverage: Get coverage from 7 lakhs to 1 crore depending on your requirement
  • Inpatient Care, Daycare treatment, Pre and Post-hospitalization for 60 and 120 days respectively
  • Ayush Treatment cover provided for treatments that require you to stay in hospital for more than 24 hours
  • Domiciliary treatment covers for a minimum of 3 days at a stretch
  • Network Hospitals: They have tie-ups with all the leading hospitals in metropolitan cities and towns
  • Bonus: Highest Cumulative Bonus of upto 500% to boost sum assured
  • Wellness Benefits: Wellness benefits that offer upto 30% discounts on your premiums
  • Free consultations: Unlimited E-consultations and discounts on diagnosis, pharmacy, & consultation
  • Restoration of Sum Insured – Automatically restores the sum insured if it gets exhausted during the policy year, ensuring continuous protection

Add-ons for Care Supreme Policy

  • Annual Health Check-ups – Get one free annual check-up every year
  • Cumulative Bonus Super – Boost your sum insured to a maximum of 500% in 5 consecutive years4
  • Instant Cover – Instant Cover is available for hospitalization expenses related to Diabetes, Hypertension, Hyperlipidemia, and Asthma after the initial waiting period
  • Air Ambulance Cover – Covers the cost of air ambulance services for emergency transportation, ensuring quick and efficient medical assistance.
  • Claim Shield – Get coverage for non-payable items like gloves, masks, etc

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