In an age where health emergencies can strike at any time, having a reliable family health insurance policy is not just wise—it’s essential. Rising medical costs, increasing incidence of lifestyle diseases, and unpredictable health crises demand a safety net that covers your entire family. That’s where Policybazaar steps in as a game-changer in the insurance sector, offering a wide array of family health insurance plans from top insurers under one roof.
Policybazaar is not an insurance company, but an online insurance aggregator platform that helps users compare, choose, and buy the most suitable policies. It is one of India’s largest and most trusted insurance marketplaces.
What is Family Health Insurance?
Family health insurance is a type of health insurance plan that covers the entire family under a single sum insured. This includes you, your spouse, children, and in many cases, dependent parents. Instead of paying separate premiums for individual policies, you pay a single premium for the entire family, making it more affordable and manageable.
Why Choose Policybazaar for Family Health Insurance?
1. One-Stop Platform for Multiple Insurers
Policybazaar partners with 30+ health insurance providers like:
- Star Health Insurance
- Niva Bupa Health Insurance
- HDFC ERGO
- Care Health Insurance
- ICICI Lombard
- Tata AIG
- Aditya Birla Health Insurance
This means you can compare plans from all leading insurers on a single platform.
2. Compare Plans Easily
With Policybazaar’s comparison tool, users can evaluate:
- Sum insured options
- Premiums
- Network hospitals
- Inclusions & exclusions
- Claim settlement ratio
- Customer reviews
This transparency helps customers make well-informed decisions.
3. Customized Recommendations
Based on your family size, health history, and budget, Policybazaar provides tailored plan recommendations. Whether you’re looking for maternity cover, child care, or senior citizen benefits, you’ll find a suitable plan.
4. Free Expert Advice
Policybazaar offers free assistance from licensed insurance advisors who help explain policy terms, recommend suitable plans, and assist with claim settlement.
5. Cashless Hospital Network Information
Policybazaar provides real-time access to the network hospital list of each insurer. You can search hospitals by city, speciality, and insurer.
Key Features of Family Health Insurance Plans on Policybazaar
- Coverage for All Family Members
Most plans cover 4 to 6 family members, including dependent parents and in-laws. - Cashless Hospitalization
All plans offer cashless treatment at network hospitals across India. - Pre & Post-Hospitalization Cover
Expenses incurred before and after hospitalization (e.g., diagnostic tests, doctor visits, medications) are covered. - Maternity & Newborn Coverage
Some family floater plans include maternity expenses and coverage for the newborn from day one. - Free Annual Health Checkups
Many plans offer complimentary health checkups each year. - No Claim Bonus (NCB)
Get rewarded with increased sum insured for every claim-free year, up to 100% or more. - Restoration of Sum Insured
Automatic restoration of the sum insured after it is exhausted in a policy year, at no extra cost.
Popular Family Health Insurance Plans Available on Policybazaar
1. Care Supreme Plan by Care Health Insurance
- Sum insured: ₹5 lakh to ₹6 crore
- Features: OPD cover, mental illness coverage, no capping on room rent
2. Niva Bupa ReAssure 2.0
- Unique features: Unlimited restoration, booster+ benefit (double sum insured in 2 years), lock premium till age 55
3. HDFC ERGO Optima Restore
- Key benefits: Automatic sum insured restoration, cumulative bonus of 50% for each claim-free year
4. Star Health Family Health Optima
- Special features: Affordable premium, coverage for assisted reproduction, newborn baby cover
5. Tata AIG MediCare
- Global cover for 540+ listed procedures
- Maternity & newborn benefits
How to Buy Family Health Insurance on Policybazaar
- Visit www.policybazaar.com
- Select “Health Insurance” and then choose “Family Health Insurance”
- Enter basic details – age, city, family members to be covered
- Browse through personalized plan options
- Compare features, premiums, hospital lists
- Choose your preferred plan
- Pay securely and receive policy documents via email
Policybazaar also offers doorstep KYC assistance and video-based verification for select insurers, making the process seamless.
Benefits of Buying Through Policybazaar
| Benefit | Details |
|---|---|
| 24×7 Customer Support | Helpline and chat assistance throughout the policy lifecycle |
| Claim Assistance | Help with paperwork, follow-ups, and grievance redressal |
| Renewal Reminders | Alerts and offers when your policy is due for renewal |
| Paperless Transactions | Instant policy issuance with minimal documentation |
| Portability Support | Assistance in switching from one insurer to another |
Tips for Choosing the Right Family Health Plan
- Assess Needs Accurately: Consider age, health history, and future medical needs.
- Opt for Higher Sum Insured: Medical costs are rising—choose at least ₹10 lakh coverage.
- Check Network Hospitals: Ensure your preferred hospitals are on the insurer’s list.
- Understand Exclusions: Read policy terms to avoid surprises during claims.
- Add Critical Illness Rider: Protect against life-threatening diseases with an add-on cover.
Conclusion
Policybazaar has revolutionized how Indian families buy health insurance by simplifying the decision-making process, offering real-time comparisons, and supporting customers throughout their insurance journey. A family health insurance policy purchased through Policybazaar not only ensures comprehensive protection for your loved ones but also offers peace of mind during emergencies.
Whether you’re a young couple starting a family, a large household with senior members, or someone looking to upgrade their existing policy, Policybazaar makes it easy to find the perfect family health insurance plan tailored to your needs.
Investing in the right family health insurance today can save you from massive financial burdens tomorrow. So, take the first step—compare, choose, and secure your family’s health with Policybazaar.