Types of Health Insurance Plans Best-Suited for Families

Your family should always be your top-most priority. Apart from taking care of their material needs, it is also important for you to protect them from medical exigencies. With a family insurance plan, you can safeguard your family with the necessary financial cover in times of need. 

A family floater health insurance plan allows you to cover two or more family members for all their healthcare expenses under a single policy. In most cases, it also includes the costs of pre-hospitalisation, post-hospitalisation, and in-patient hospitalisation. Some insurance companies also cover the costs of day-care.

Niva Bupa, the best health insurance company in India, has quite a few significant things to offer in this regard. Go through this article to enlighten yourself about the types of health insurance packages that work best for your family. Further, you will also learn about the benefits offered by all those health insurance packages. Let’s begin.

Know About the Best Family Health Insurance Plans

If you are looking for an appropriate health insurance policy for your family, Niva Bupa would offer the best options. Read through the plans carefully to know which is the ideal health insurance for your family.

  • Health Companion

This family health insurance plan is incorporated with all the smart features. It provides you with everything you will ever require for your family medical insurance. The premium amount starts from Rs. 5,085 for one year. On the other hand, it provides an insured sum of up to Rs. 5,00,000.

This plan has three kinds of variants and you have the privilege to choose the one that best suits your needs. Other additional features include:

  • Alternative treatment options.
  • Zero claim bonus.
  • Zero room rent cap.
  • Exclusive all daycare treatment, etc.
  • Go Active™

This health insurance policy is the new age health insurance that works for you every day. The premium value starts from Rs. 13,352 for a single year. It provides an insured sum up to Rs. 5,00,000. Other additional features include:

  • Provides an early age advantage.
  • Covers all the expenses of Diagnostic and OPD.
  • There is no room rent sub-limit.
  • Offers daily health coach for health monitoring.
  • Reassure

This is the bestselling and most comprehensive health insurance plan. The premium rate starts from Rs. 9,111 for one year. On the other hand, it provides an insured sum up to Rs. 10,00,000. Some of the additional features include:

  • Provides you with reassured benefits.
  • It covers up to Rs. 1 crore.
  • Offers effective annual health check-ups.
  • Provides benefits of boosters.
  • Money Saver

It is one of the finest health insurance plans provided by the best health insurance company. It combines a base as well as top-up plan that offers complete protection to your family. The annual premium amount starts from Rs. 8,181 and provides an insured sum up to Rs. 30,00,000. Other features are:

  • There is no claim bonus.
  • Option for refilling benefits.
  • Offers no room rent cap.
  • Covers all the expenses of pre and post hospitalisation.
  • Heart Beat

This comprehensive health insurance takes care of the finest details of your family’s wellbeing. The premium amount begins from Rs. 16,414, and the insured sum shoots up to Rs. 7,50,000. It has two variants: gold and platinum. Other features include:

  • Offers refill benefits.
  • Covers maternity and newborn expenses.
  • Additional coverage up to Rs. 1 crore.
  • Provides international coverage.
  • Super Saver

The affordable combo offers advanced health coverage for your family. The premium begins from Rs. 9,214 per year and the insured sum rises to Rs. 20,00,000. Additional features are:

  • Covers pre and post hospitalisation expenses.
  • Provides day-care treatment.
  • Enhanced NCB.
  • Enhanced refill benefits.
  • Health Premia

This health insurance provides comprehensive coverage for you and your family. It has options of silver, gold, and platinum plans. The premium amount starts from Rs. 12,488 per year and the insured sum rises to Rs. 5,00,000. Other features are:

  • In-built travel insurance.
  • Covers maternity and new-born expenses.
  • Provides international coverage.
  • Offers coverage up to Rs. 3 crores.
  • Senior First

This health insurance is especially tailor-made for all senior citizens. It has gold and platinum options. The premium starts from Rs. 13,453 for one year and they provide insured sum up to Rs. 5,00,000. Additional features include:

  • No claim bonus.
  • Offers daycare treatments.
  • Provides reassured benefits.
  • No mandatory pre-issuance medical test.