#98 : Bengaluru - 29 August 2025 at 8:39 pm
cheapest health insurance plans for family
How to Choose the Right Option
Assess Eligibility
Government schemes like PM-JAY or state programs could be free or heavily subsidized — check if your family qualifies.
Define Coverage Needs
Decide on required sum insured (₹5L, ₹10L, ₹25L, etc.) and features like maternity, restoration, OPD.
Balance Premium vs Benefits
Ultra-cheap plans like Arogya Sanjeevani offer essential coverage.
Mid-range plans (₹10k–₹13k/year) such as Reliance, HDFC ERGO, or Aditya Birla deliver richer features.
Check Hospital Network and Claim Settlement
Choose insurers with wide network hospitals and strong claim settlement ratios (~90%+). Eg: Star Health, Bajaj Allianz.
Add-ons and Waiting Periods
Note that maternity benefits or coverage for pre-existing diseases often have waiting periods.
Budget-Friendly Private Plans (Approximate Premiums & Features)
| Plan & Insurer | Approx. Yearly Premium for Family (₹) | |
|---|---|---|
| Reliance / Care Health (Care Family Plan) | ~9,000 | |
| HDFC ERGO Health Optima Restore | ~12,000 | |
| Aditya Birla Activ Health Platinum Enhanced | ~12,600 | |
| Star Health – Family Health Optima | ~10,000 | |
| Bajaj Allianz Family Floater | (Premium not specified; affordable range) | |
| New India Assurance Family Mediclaim | ~12,000 |
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