Best Health Insurance Plans for Couples

In the present times, a hospital visit due to an illness or injury can hurt your finances because of the rising healthcare costs. In such times, it is necessary to protect yourself and your spouse with health insurance that will cover different hospitalization expenses.

On this page, we will discuss some of the best health insurance plans for couples along with their features and benefits so that you can make the right decision.

Features and Benefits of Top Health Insurance Plans for Couples in India

Insurance companies in India provide a wide range of health insurance plans to financially protect yourself and your partner from a medical emergency. These comprehensive health insurance plans act as a shield if you or your partner fall ill.

Some of the most popular plans for couples are Star Family Health Optima, Care Family, HDFC Health Suraksha Gold, Chola MS Family Healthline and Future Generali Health Total Plan. You can go through the features and benefits of these health insurance plans mentioned below one after another.

Star Family Health Optima Insurance Plan

Star Family Health Optima Insurance Plan could help you take care of your family at an affordable premium. You only need to pay a single premium for your policy to get coverage for the entire family. This policy from Star Health provides the following benefits to you.

1. Room, Boarding and Nursery-related expenses cover
2. Pre- and Post-hospitalization expenses up to 60 and 90 before and after the admission to the Hospital, respectively
3. Ambulance Charges cover (For emergency transportation to the hospital)
4. Air Ambulance charges covered up to 10% of the Basic Sum Insured during the Total Policy period
5. AYUSH Treatment Coverage
6. Organ Donor expenses cover up to 10% of the sum insured (A maximum of INR 1 lakh)
7. Newborn Baby Cover up to 10% of the Sum Insured or INR 50,000
8. Compassionate Travel up to INR 5,000 for immediate family members
9. Surgeon, Consultants, Medical Practitioner, Specialist Fees, Oxygen, Operation Theatre, Imaging Modalities, and Medicines & Drugs, Diagnostic and Cost of Pacemaker
10. Repatriation of Mortal Remains up to INR 5,000
11. Second Medical Opinion from the doctor in the Insurance Company’s network of Medical Practitioners
12. Additional Sum Insured for Road Traffic Accident (RTA) up to INR 5,00,000. (The person must be wearing a helmet and traveling in a two-wheeler)

Care Family Health Insurance Plan

If you want to get comprehensive coverage for yourself and your spouse, Care Family Health Insurance Plan could be the perfect choice for you. This plan provides overall financial protection to your entire family. Let’s check out the key features of this plan mentioned below.

1. Flexible sum insured options starting from INR 5 lakh to 6 crore
2. In-patient hospitalization cover up to the sum insured limit
3. Pre and post-hospitalization cover up to sum insured for 30 and 60 days, respectively
4. Day Care Treatment Cover up to the sum insured
5. Room Rent Cover for Single Private Room
6. Cover for ICU Charges with no sub-limit
7. Ambulance Cover up to INR 3,000 per hospitalization
8. Domiciliary Hospitalization Cover up to 10% of the sum insured
9. Free Annual Health Check-up for all insured members under the policy
10. Automatic Recharge of Sum Insured up to the sum insured once in a policy year
11. Organ Donor Cover of INR 50,000
12. Multiple Add-on Cover Options
13. A 15-day waiting period for COVID-19 treatment
14. A grace period of 30 days

HDFC Ergo Health Suraksha Gold Insurance Plan

HDFC Ergo Health Suraksha Gold plan could be the right health cover for couples wanting to protect themselves from a medical emergency. With features like free health check-up cover, sum insured rebound, no room rent capping, and cashless home healthcare, this plan from HDFC Ergo is one of the most popular ones among customers. Have a look at the important features mentioned below.

1. Flexible sum insured options ranging from INR 7.5 to 15 lakh
2. Up to 586 Day Care Procedures Coverage
3. Pre and Post-hospitalization Cover for 60 and 180 days, respectively
4. Policy term options of 1, 2 and 3 years
5. The minimum premium amount stands at INR 2,908
6. Recovery Benefit of INR 15,000 as a lump sum amount
7. Alternative Treatments (Non-allopathic) Coverage
8. Air Ambulance Coverage
9. Hospitalization Expenses ( Bed-charges, Nursing charges, Blood tests, ICU and Consultation fees)

Chola MS Family Healthline Insurance Plan

With Chola MS Family Healthline Insurance Plan, you can cover yourself along with your spouse and dependent children, on a floater sum insured basis. This plan also offers different variants that you can choose according to your needs and affordability. Let’s see its key features mentioned below to understand the plan better.

1. Option to choose from 4 Different plans – Value Healthline, Freedom Healthline, Enrich Healthline, and Privilege Healthline
2. Flexible Sum Insured options up to INR 25 lakh
3. In-patient Hospitalization expenses
4. Pre and Post- Hospitalization expenses for 60 and 90 days, respectively
5. Up to 141 specific Day Care Procedures Cover
6. Health Checkup and Cumulative Bonus under Renewal Benefits
7. Ambulance Expenses Coverage up to INR 5,000
8. Hospitalization expenses for New Born babies
9. Extended hospitalization charges cover up to 10,000 (For Enrich and Privilege Plan)
10. Maternity Expenses Cover (On choosing Privilege Plan) up to INR 1 lakh per delivery
11. Double sum insured for accidents and critical illnesses
12. Child hospitalization allowance
13. Outpatient Dental/Specs/Hearing aids/Contact Lens up to INR 10,000 every two years
14. Specialist opinion for critical illness cover up to INR 25,000

Future Generali Health Total Plan

Future Generali Health Total Plan from Future Generali offers comprehensive health coverage to yourself and your family with multiple sum insured options and customizable features. Do check the important features of this plan mentioned below.

1. Option to choose from 3 plan – Vital, Superior and Premiere
2. Multiple sum insured options ranging from INR 3 lakh to 1 crore
3. Day Care treatment expenses
4. Pre and post-hospitalization expenses for 60 and 180 days, respectively
5. Maternity coverage (INR 15,000 – 50,000 and INR 25,000 – 1 lakh for normal and LSCS delivery, respectively)
6. Accidental Hospitalization Cover up to INR 10 lakh
7. Road Ambulance Charges up to INR 5,000
8. Child Vaccination Benefits up to 5,000 per policy period
9. Patient Care Benefit ranging from INR 350-1,000 per day (Up to 10 days of hospitalization)
10. No pre-acceptance medical tests up to 50 years of age
11. Policy term up to 3 years
12. Family and long-term discount up to 10% on the premium
13. Emergency Medical Evacuation up to 5% of the sum insured
14. The minimum premium amount stands at INR 4,418 per year
15. E-opinion facility for a maximum of 2 illnesses or injuries during the policy term