One policy that covers your whole family under a single sum insured is usually the most cost-effective. These plans offer the best family-floater cover and benefits.
Our top pick for this is HDFC ERGO Optima Secure — A best-in-class all-round plan that effectively doubles your cover from day one and restores the sum insured if exhausted — strong network and claim record make it the default pick for most families.
| # | Name | Score | Sum Insured | Cashless Hospitals | Claim Settled* | Standout |
|---|---|---|---|---|---|---|
| 1 | HDFC ERGO Optima SecureTop pick | 9.1/10 | ₹5L–₹2Cr | 13,000+ | ~99% | 2x cover from day 1 |
| 2 | Niva Bupa ReAssure 2.0 | 9.0/10 | ₹5L–₹1Cr+ | 10,000+ | ~99% | Unlimited reinstatement |
| 3 | Star Family Health Optima | 8.7/10 | ₹3L–₹25L | 14,000+ | ~98% | Affordable family cover |
| 6 | Tata AIG Medicare | 8.3/10 | ₹5L–₹1Cr | 10,000+ | ~95% | Value + global cover |
| 8 | Bajaj Allianz Health Care | 8.1/10 | ₹3L–₹1Cr | 18,000+ | ~96% | Highly customisable |
Best overall
A best-in-class all-round plan that effectively doubles your cover from day one and restores the sum insured if exhausted — strong network and claim record make it the default pick for most families.
A family favourite with unlimited reinstatement of cover and a strong claim-settlement record — excellent for families wanting near-bulletproof protection against repeated claims in a year.
An affordable family floater from India's largest standalone health insurer, with one of the biggest cashless networks — a great value entry point for covering a whole family.
A value-priced plan from a trusted brand, with global coverage options and solid everyday benefits — a dependable mid-market choice for families and individuals.
A flexible, customisable plan with a wide cashless network and a broad menu of add-ons, letting you tailor cover to your family's needs.
Claim ratios indicative; premiums vary by age, city and members. Read the policy document and get a quote before buying. Information only, not insurance advice.