Best Health Insurance Plans for Families Under ₹10,000 in India (2025)

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IntroductionHealthcare costs in India are rising, and a single hospitalization can drain your savings. That’s why health insurance is essential. The good news is that in 2025, several insurers offer family health insurance plans under ₹10,000 annually.Top Affordable Family Health Insurance Plans

1. Star Health Family Health Optima
   • Coverage: ₹5–25 lakhs
     
   • Premium: Starts at ₹9,500/year
     
   • Free health check-ups
     
2. Care Health Insurance Family Plan
   • Coverage: ₹5–20 lakhs
     
   • Premium: ₹9,800/year
     
   • Cashless treatment in 10,000+ hospitals
     
3. HDFC ERGO Health Suraksha
   

• Coverage: ₹5–15 lakhs
  
• Premium: ₹9,700/year
  
• No claim bonus up to 100%
  

Why Choose Family Plans?

• Covers spouse, children, and parents.
  
• More affordable than individual policies.
  
• Tax benefits under Section 80D.
  

ConclusionWith the right plan, you can protect your entire family’s health without breaking the bank. These top health insurance plans under ₹10,000 are perfect for middle-class families in India.