Checklist to Get the Best Health Insurance Plan for Your Family

Keeping the family secured is a priority for everyone, especially during a pandemic. But, if you wonder how to do it? Then, family health insurance is the best answer. These days you can get many options if you start browsing about health insurance policy for family. But remember, all the glitters are not gold; a policy that comes up with a low premium may not cover all your healthcare needs, or the one that offers extra coverage can cost you extra rupees. Thus, you have to be wise enough to make the right choice to protect your family. Below is the checklist for you to get the best health insurance plan for your family:

  • Healthcare needs vary from family to family, so opt for the policy accordingly instead of buying the same plan that your known has opted for recently. 
  • Choose the best family health insurance that includes in-patient hospitalization, pre and post hospitalization, medication, diagnosis, OPD, AYUSH treatment, advanced surgeries, etc. 
  • If you are worried about COVID-19, health insurance brings a sigh of relief. These days leading brands offer family health insurance with COVID Care. Check their plans for more details.
  • Never overlook your family member’s past medical history. If you want them to get a timely and hassle-free claim, disclose all the required details. 
  • Diabetes, hypertension, thyroid, etc., are pre-existing diseases. Suppose your family member has a pre-existing illness; opt for the plan that covers them too. Else, basic health insurance does not cover such medical conditions.
  • Go for the health insurance company with higher CSR (CLAIM SETTLEMENT RATIO). It ensures timely and hassle-free claim settlement.  Check below the top health insurance companies that offer the best family health insurance with their CSRs:

Health Insurance Company

Network Hospitals

Claim Settlement Ratio




Care Health Insurance






Max Bupa Health Insurance



Star Health


78. 15%

  • While opting for family health insurance, it’s good to compare the premium. Calculating the premium is easy with the health insurance premium calculator available on companies’ official websites. 
  • If you do not want your health insurance premium should burden your pocket, look for discounts. Companies like Care Health Insurance offering up to 20% online discount.
  • Now, you can buy a health insurance policy for family on EMI. Pay the premium on a monthly, quarterly, or yearly basis, which will not overburden your pocket.
  • Never skip a chance to read the sales prospectus and fine prints of the policy available on the companies’ official websites for details related to policy coverage, benefits, exclusions, and T&C. 
  • Read about exclusions carefully. These are the diseases, procedures, conditions, treatments that are not covered under the policy. Opt for the plan with maximum coverage and minimal exclusions.


A comprehensive family health insurance helps your family get the best possible treatment and healthcare facilities. It acts as a safeguard and keeps you and your family at bay from the financial trauma that a medical emergency can bring at any time. So, follow the checklist and secure your loving family now!