Top 5 Best Health Insurance Policies For Whole Family

In today’s lifestyle, to maintain a good health has become a challenging task. Looking at the increasing rate of health issues, there is no doubt why the medical expenses and treatment are going up. For a middle man, it is certainly unbearable to pay lump sum amount to get treated especially when the individual has a family. Thankful there are some of the best health insurance policy which can protect you and your family from financial burden that you might face during family emergencies.

health insurance

Here is the list of 5 Best Health Insurance Policies in India

1. Apollo Munich’s Optima Restore

This is one worth investing policy to consider. It offers the benefits up to 100% of the sum insured. You also get the no-claim bonus which is equivalent to the 50% of the sum insured. . In case your policy gets exhausted in a year then it automatically reinstates the basic sum which is insured.  There are many advantages for the family as it covers the medical expenses which are incurred in 180 days. The expenses that incurred due to severe illness after hospitalization during the 60 days is also covered. Other than this, it covered domiciliary treatment, emergency ambulance, and a health checkup is also covered.

2. ICICI Lombard iHealth – Complete Health Insurance Plan

It is one of the worth and affordable investment which gives good returns during the emergencies. This policy offers best coverage plan for you and your family against different health issues. With a comprehensive coverage, you get the option to choose the medical plan. It offers the coverage up to Rs. 10 Lac with the option to insure multiple individual. You can also enjoy the tax benefit and claim the policy renewal facility. There is no age restriction to avail the policy. For people below 46 years of age don’t have to perform any medical. You can also avail the cashless treatment in more than 4500 hospitals.

3. Bharti Axa’s Smart Health Plan

In this policy a family can avail lump sum benefit and reimbursement advantage as well. It covers more than 13 critical illness and offers great advantages of regular cash which may be required during the recovery period phase of the illness is quite severe. This is standard health insurance policy that double the sum insured in case the patient is hospitalized. It can be utilized at more than 4300 hospitals. There is unlimited room rent coverage and a Day-care procedures cost is also covered.

4. Max Bupa Health Companion Policy

It does not matter whether you have a big family or a smaller one, this policy can cover up to 19 family members and have different plans best designed for every size of family. It helps to avoid the unnecessary medical expenses and healthcare cost that are likely to arise. There I a comprehensive blanket coverage to avail in this policy. It covers Pre & Post hospitalization expenses maternity, OPD coverage, new born coverage, maternity coverage, and has no Room Rent capping as well.

5. Cigna TTK PRoHealth Plus

This is another great policy which offers the world-wide emergency health cover to the family members. The family can avail the benefits of Health Maintenance and claim different rewards program. The sum amount may vary from2.5 Lakh up to Rs. 100 Lakh. There are different customization options that cover world-wide emergency which can be claimed anywhere across the world.

The above mentioned policies are a part of Family floater which covers one family under a fixed cover. The sum amount which is insured floats over the whole family with a certain limit. This limit can be used by any family member for as many times as needed. Many people often compare such policies to individual health plan. The fact is this type of policy covers children, individual and spouse and contributes in a stress free living.

Manoj Mehra, a blogger and co-founder of Blazed Story, He always tries to share top 10 lists for India and worldwide to increase The knowledge of internet users.
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