Best Health Insurance Plans for Families in India (2025)
LEGAL & INSURANCE
Shivani Chourasia
4/6/20253 min read
Choosing the right health insurance plan for your family in India can feel overwhelming, given the many options available. In 2025, with rising medical costs and evolving health needs, having a comprehensive health insurance policy is more important than ever. This blog explores the best health insurance plans tailored for Indian families, based on coverage benefits, claim settlement ratios, premiums, and recent IRDAI updates.
Why Family Health Insurance Is Crucial in 2025
Health emergencies don’t come with a warning. A family health insurance plan offers a shared sum insured for all family members, often covering pre and post-hospitalization, daycare procedures, maternity, and more.
Key Benefits:
Comprehensive medical coverage for all members
Cashless hospital network
Tax benefits under Section 80D
Wellness and preventive healthcare features
For a deeper dive, check out this guide on how health insurance works in India.
Top Family Health Insurance Plans in India (2025)
Here’s a look at some of the best-performing and most recommended family floater health insurance plans in India, based on the latest available data and customer feedback.
1. Oriental Happy Family Floater Policy
Sum Insured: ₹1 lakh to ₹50 lakhs
Key Benefits: In-patient hospitalization, domiciliary hospitalization, organ donor expenses, AYUSH treatment, and mental illness coverage.
Limitations: OPD, dental, and ophthalmic treatments are not covered unless due to accidents.
2. New India Assurance Floater Mediclaim
Sum Insured: ₹2 lakhs to ₹15 lakhs
Key Benefits: In-patient care, maternity benefits after 36 months, cover for congenital diseases, and mental illness treatment.
Limitations: No cover for OPD treatment or alternative therapies like AYUSH.
3. Niva Bupa Heartbeat Plan
Sum Insured: ₹5 lakhs to ₹1 crore
Key Benefits: Maternity and newborn benefits (after the waiting period), annual health check-ups, and mental illness cover as per IRDAI guidelines.
Limitations: AYUSH and HIV/AIDS treatment may not be included in all variants.
4. Raheja Health QuBE
Sum Insured: ₹2 lakhs to ₹50 lakhs
Key Benefits: Daily hospital cash, organ donor cover (up to ₹1 lakh), in-built personal accident cover, and free health check-ups.
Limitations: Non-medical expense coverage and OPD coverage are limited or not available.
5. Reliance Health Infinity
Sum Insured: ₹3 lakhs to ₹1 crore
Key Benefits: 90 days pre & 180 days post-hospitalization, maternity and newborn coverage (in plans with 3+ year term), double cover for an unrelated illness.
Limitations: No dental or OPD cover in the base variant.
6. Royal Sundaram Family Plus
Sum Insured: ₹3 lakhs to ₹50 lakhs
Key Benefits: Maternity cover up to ₹50,000, ₹10,000 nutritional allowance for mothers, evacuation expenses up to ₹1 lakh, AYUSH coverage.
Limitations: OPD treatment and infertility treatments are not covered.
7. SBI Super Health Insurance
Sum Insured: ₹5 lakhs to ₹2 crore
Key Benefits: Health multiplier benefit for 37 conditions, recovery benefit, AYUSH treatment, and wellness services.
Limitations: Maternity and OPD are not available in the base plan; higher variants are needed.
Latest IRDAI Updates in Health Insurance (2025)
Stay informed of the latest IRDAI changes impacting your policy. Read full updates at IRDAI.gov.in
One-Time Mandate for Premium via UPI (Feb 2025)
IRDAI’s new Bima-ASBA facility allows customers to authorize a one-time UPI mandate for premium payment. This simplifies renewals and reduces transaction failures.
Senior Citizen Premium Cap (Jan 2025)
To make insurance more accessible, IRDAI has capped annual premium increases for senior citizens at 10%, unless specifically approved.
Guidelines for Multiple Policies
Insurers must ensure clear claim settlement procedures even when customers hold multiple policies. This enhances transparency and reduces disputes.
FAQs: Choosing the Best Family Health Insurance Plan in India
Q1. What should I look for in a good family health insurance plan?
Look for comprehensive coverage, low waiting periods, and a large hospital network.
Q2. Is maternity covered in all plans?
No. Maternity is only covered in select variants after a waiting period of 2–4 years.
Q3. How do I claim tax benefits?
Premiums paid qualify for tax deduction under Section 80D
Tips to Choose the Best Family Health Insurance in India
Assess Coverage Needs: Based on age, health conditions, and family size
Check Co-Payment Clauses: Avoid high co-pays to reduce out-of-pocket expenses
Review Waiting Periods: Especially for maternity and pre-existing diseases
Compare Network Hospitals: Cashless tie-ups ease emergencies
Read Policy Wordings Carefully: Brochures don’t always highlight exclusions
Wrap-Up
Health insurance is not just a financial product but a safety net for your entire family. In 2025, with new digital tools, evolving IRDAI guidelines, and broader coverage options, Indian families have better choices than ever. Compare, research, and pick a policy that grows with your family’s needs.
Disclaimer: The information provided is based on publicly available sources as of April 2025. Please consult insurance advisors or official insurer websites before making any decisions.