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Health Insurance

Insurance that shields you financially during medical situations.

Health Insurance provides financial coverage to you and your family against medical expenses incurred due to an accident, minor injury, illness, or critical disease. A health insurance policy and the sum insured help you deal with such unexpected crises without having to worry about the treatment cost.

Health Insurance Plans

Find top health insurance plans available in India.

Care Plan

A plan that provides comprehensive health protection to you and to your family.

Unique Features

  • Organ Donor Cover
  • 541 Day Care Treatment
  • Lifelong Renewability

Star Health Comprehensive Plan

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Health Checkup for Every Claim-Free Year.
  • Hospital Cash Benefit
  • Automatic Restoration 100% Available

NivaBupa Health Companion

This is a unique plan that covers up to 19 relationships and offers protection to your family at two levels.

Unique Features

  • Cover All Day Care Procedures
  • Animal Bite Cover
  • No Maximum Age Limit

Activ Health - Platinum Enhance

This is a plan that comes with wellness and chronic care benefits.

Unique Features

  • Day 1 Cover for chronic disease
  • 586 Day Care Treatment
  • Worldwide Emergency Assistance Service

Manipal Cigna Pro Health Plus

This plan is a comprehensive health insurance solution for your illness as well as wellness.

Unique Features

  • Worldwide Emergency Cover
  • Restoration of Sum Insured
  • Cumulative Bonus for No Claims

HDFC ERGO Optima Restore

This plan restores your 100% Sum Insured when you need it the most.

Unique Features

  • 100% Restore benefit
  • Lifelong Renewability
  • All Day Care Treatment

Royal Sundaram Lifeline Supreme

This plan offers comprehensive coverage with benefits such as Health & Wellness benefits, Annual Health Check-up, and many more.

Unique Features

  • All Day care procedures Covered
  • Restoration of Sum Insured
  • Ayush Treatment

SBI Arogya Premier Plan

This policy provides wider coverage option to meet the special medical requirement of any individual.

Unique Features

  • Wider Coverage Options
  • No Pre Policy Medical Check-Up
  • Maternity Expenses

Care Plus

This plan is designed to provide new age benefits to make you fully secured.

Unique Features

  • All Day Care Treatment Covered
  • Air Ambulance Coverage
  • Unlimited automatic recharge (100% of SI)

Star Family Health Optima

This policy is designed to cover all the members of the family under a single policy

Unique Features

  • New Born Baby Cover from 16th Day
  • Instant Recharge UPTO 30% of SI
  • Domiciliary Hospitalization

NivaBupa Health ReAssure Plan

This plan is designed to provide the coverage option up to 1cr.

Unique Features

  • Cover All Day Care Procedures
  • No Room Rent Capping
  • AYUSH Treatment Covered

Aditya Birla Diamond Plan

This is a plan that provides comprehensive range of sum insured from Rs. 200K to Rs. 2cr.

Unique Features

  • Health Coach
  • Unlimited Reload of SI
  • 30% Return of Premium

Manipal Cigna Pro Health Plus

This plan is a comprehensive health insurance solution for your illness as well as wellness.

Unique Features

  • Worldwide Emergency Cover
  • Restoration of Sum Insured
  • Cumulative Bonus for No Claims

HDFC ERGO my:health Suraksha

This plan provides the complete healthcare protection to you and to your family.

Unique Features

  • Covers Mental Illness
  • Domiciliary Hospitalization
  • Air Ambulance Cover

Royal Sundaram Lifeline Supreme

This plan offers comprehensive coverage with benefits such as Health & Wellness benefits, Annual Health Check-up, and many more.

Unique Features

  • All Day care procedures Covered
  • Restoration of Sum Insured
  • Ayush Treatment

SBI Arogya Plus Plan

This plan helps you to get the best treatment possible.

Unique Features

  • Cover 142 Day Care Expenses
  • Domiciliary Treatment
  • Ambulance Expenses


Under this plan your premium will decide based on the city you live in.

Unique Features

  • Covers Ambulance Expense
  • Domiciliary Hopspitalization
  • All Day Care Treatment Covered

Young Star Health Insurance

This Plan offers coverage against Road Traffic Accidents (RTA), Health Checkups and Hospitalization, among other benefits.

Unique Features

  • Low Waiting Periods
  • Automatic Restoration of the Sum Insured
  • Infant Cover from the 91st day of its Birth

NivaBupa Health ReAssure Plan

This plan is designed to provide the coverage option up to 1cr.

Unique Features

  • Cover All Day Care Procedures
  • No Room Rent Capping
  • AYUSH Treatment Covered

Active Health Essential

This is a plan that provides coverage for Covid-19 hospitalization and chronic diseases

Unique Features

  • Chronic Management Program
  • 586 Day Care Treatment
  • Worldwide Emergency Assistance Service

Manipalcigna Lifetime

This plan comes with standard health insurance & value added covers for your complete protection.

Unique Features

  • Domiciliary Treatment
  • Maternity Expenses
  • Infant Expenses & First Year Vaccinations

HDFC ERGO Optima Secure Plan

This plan provides you 4x coverage with no additional cost.

Unique Features

  • Dental Treatment due to injury
  • AYUSH Treatment
  • Day Care Procedures

Royal Sundaram Lifeline Supreme

This plan offers comprehensive coverage with benefits such as Health & Wellness benefits, Annual Health Check-up, and many more.

Unique Features

  • All Day care procedures Covered
  • Restoration of Sum Insured
  • Ayush Treatment

SBI General Arogya Sanjeevani Policy

This plan is designed for the individuals between the age of 18 Years to 65 Years on Individual and Family floater basis.

Unique Features

  • Cataract Treatment
  • Co-Pay Option
  • Maternity Expenses

Looking for more medical insurance plans? PolicyX has a complete list of the Best health insurance plans suggested for you.

Health Insurance Companies

Finding a reliable insurance company is as critical as purchasing a suitable insurance plan to avail of all the expected benefits of the policy. Here are the 30 most trusted health insurance providers in India.

Health Insurance Premium

Health insurance price depends on various factors:

  • The number of members covered under a single policy
  • The age of the eldest member
  • Sum assured
  • Types of features chosen in a plan

Get an approximation of medical insurance premiums based on different age groups and sum assured.

If you are 26 years old, Click Here

AGE 26

Sum Assured1 Adult2 Adult2 Adult+1 Child2 Adult+2 ChildAverage Premium

If you are 36 years old, Click Here

AGE 36

Sum Assured1 Adult2 Adult2 Adult+1 Child2 Adult+2 ChildAverage Premium

If you are 46 years old, Click Here

AGE 46

Sum Assured1 Adult2 Adult2 Adult+1 Child2 Adult+2 ChildAverage Premium

If you are 56 years old, Click Here

AGE 56

Sum Assured1 Adult2 Adult2 Adult+1 Child2 Adult+2 ChildAverage Premium

Check Your Premium

Types of Health Insurance Plans

6 health insurance plans suitable for the different needs of different customers.

Family Floater Health Plan

Covers all the family members (you, your spouse, children, and parents) in a single policy

Critical Illness Health Plan

Provides financial coverage to the insured in case he/she is diagnosed with a listed critical illness/disease.

Top-up Health Plan

Provides extra coverage if your existing health plan is not enough to meet the medical bills.

Senior Citizen Health Plan

Offers quality healthcare treatment such as domiciliary hospitalization and psychiatric care to people who are above 60 years of age.

Individual Health Insurance

Provides coverage only to an individual and covers medical expenses such as hospitalization for injuries and illnesses, surgery costs, room rent, daycare procedures, and more.

Personal Accident Insurance

Covers the medical expense that occurred due to an accident while providing coverage to the policyholder in case of partial disability, permanent disability, and accidental death

What are the Benefits of Health Insurance?

Know all good reasons to strengthen your decision of opting for a health insurance policy.

Cashless Treatment

No cash payments are required to settle medical bills. Your insurance provider will pay the cost of your medical treatment when hospitalized in a network hospital.

Pre & Post Hospitalization Expenses

Any medical expenses incurred before and after the hospitalization will be covered by the sum insured under your health insurance policy.

Tax Benefits

Health Insurance offers tax benefits under section 80D of the Income Tax Act, 1961.

No Claim Bonus (NCB)

The policyholder gets the extended coverage amount for not making any claim in a policy year.

Free Health Check-Ups

Insurance companies offer free health checkups, motivating the policyholder to maintain a healthy lifestyle.

Domiciliary Hospitalization

Covers medical expenses generated while receiving medical treatment at your home if you are unable to reach a hospital for a justifiable reason

Lifetime Renewability

Get your policy renewed for a lifetime without any restriction on the age limit.

AYUSH Treatment

Coverage for the expense related to Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy (AYUSH) treatments

Restoration of Sum Insured

Allows you to refill your sum insured in case it is exhausted in a policy year.

Add-on Covers in Health Insurance

Add-on CoversWhat is Covered?
Maternity CoverExpenses related to pregnancy, childbirth, and the vaccination of newborn babies
Personal Accident CoverExpenses of accidental injuries including disability, death, etc.
Reduction in Waiting Period CoverReduces the waiting period for Pre-Existing Diseases
Room-rent CoverFlexibility to increase your policy's sub-limit for hospital room rents or opt for no sub-limit at all
Hospital Daily Cash CoverProvides a daily cash allowance to the insured to take care of additional expenses such as food, travel, etc. while he/she is in the hospital
Air Ambulance CoverAir ambulance cost generated for shifting the insured in case of a medical emergency
Zone Upgrade CoverOffers additional financial coverage based on the zone in which the insured is hospitalized

What is not Covered under Health Insurance?

As per IRDAI, some common exclusions under the health insurance plans are:

  • Pre-existing diseases (PEDs), however, some companies cover PEDs after a waiting period
  • Eyes and Dental care, but some new plans have started covering them
  • Suicidal injuries or intentional self-injuries
  • STDs like HIV
  • Health issues that arise due to the consumption of alcohol or drugs
  • Health issues or injuries caused due to war, act of war, nuclear, chemical, or biological weapons

**To know all the exclusions of your plan, refer to the product brochure or directly get in touch with your respective insurer.

How much Coverage do I Need?

Decide who all should be insured in a single health insurance plan.

We would recommend buying plans for your immediate family and a separate plan for your parents as:

  • A medical policy generally covers up to 2 adults and 4 children up to the age of 18**.
  • Your parents' needs are quite different from yours in terms of f sum assured, medical history, pre-existing conditions, requirements of co-payment, etc.

**For some companies children up to the age of 21 can be covered under a policy

Below are the recommendations of minimum covers you may require based on your age and city of treatment.

Health Insurance Coverage (Metro)

MetroAbove 3510 Lacs
MetroBelow 355 lacs

Health Insurance Coverage (Non - Metro)

Non - MetroAbove 357.5 Lacs
Non - MetroBelow 355 lacs

Documents Required to Buy Health Insurance

New Insurance PolicyPort Insurance PolicyRenew Insurance Policy
1. Duly-filled policy form
2. Medical history of pre-existing diseases
1. Address and ID proof
2. Medical history of pre-existing diseases
3. Previous policy documents
1. Existing policy number
2. Medical history of pre-existing diseases

**Document requirement may vary from insurer to insurer

Claim Settlement Process in Health Insurance

Health insurance companies offer 2 types of claim settlement processes to choose from at your convenience.

Planned Hospitalization

  • Informed the insurer before 48 to 72 hours of hospitalization
  • The insurance company to provide a confirmation letter
  • Submit your health card and confirmation letter
  • The insurer will settle the medical bills directly with the hospital

Emergency Hospitalization

  • Informed the insurer within 24 hours of hospitalization
  • Fill and submit the cashless claim form
  • Submit other necessary documents
  • The insurer will send an authorization letter to the hospital
  • The insurer will settle the medical bills directly with the hospital

Reimbursement Claim Process

  • Intimate the company within the designated timeline
  • Collect original discharge summary and medical bills and submit with the claim form
  • Fill and submit the claim form along with ID proof (Voted ID/Aadhaar Card/PAN Card) and canceled cheque
  • The insurance company will evaluate the documents.
  • The insurance company will initiate the reimbursement proces.

Trouble connecting with an insurance company?

Contact PolicyX.comCall at our toll-free number 1800-4200-269Email:

We are happy to help.

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Health Insurance FAQs

Before buying a health insurance plan, you must run into some questions in your head and wonder what's their solution? Don't worry! is here to solve them. Let's go through some common queries:

1. What is the average cost of health insurance in India?

In India, the insurance providers use factors like age, health condition, coverage and number of individuals to be covered to determine the premium of a health plan. Let's take the help of an example for better understanding.

At the age of 25, if you want to purchase an individual health plan of the sum insured (Rs.10 lakhs), your premium amount will be Rs.608/month. Whereas, if you want to purchase an individual health plan of the sum insured (Rs.10 lakhs) at the age of 50 with smoking habits, your premium amount will be Rs.1831/month.

If you want to opt for a higher sum insured or require a family floater plan, take the help of our health insurance premium calculator to know the correct amount.

Note -The premium values keep on changing. Please check the amount first before investing in a plan.

2. Does smoking affect health insurance premiums?

If you are a smoker, you will end up paying higher premiums as you are subjected to greater medical risks.

3. If I want to use and claim health insurance immediately, is it possible?

Most companies allow you to avail health insurance after a certain waiting period. You must check your policy document for the same.

4. Is there any waiting period applicable to the coronavirus health insurance plan?

Yes, Coronavirus health insurance comes out with a waiting period of 15 to 30 days from the date of commencement of the policy. Hence, it is advisable to check with your insurance company regarding any initial waiting period. Moreover, if you already have a regular health insurance plan, then you don't have to serve any waiting period under the same.

5. Do insurance companies cover pre-existing diseases?

It varies from insurer to insurer. Some companies do not provide cover for pre-existing diseases, while others cover the same after a waiting period of 4 years (this may vary as per the company).

6. My age is 25 years, should I buy health insurance now?

It is important to buy health insurance at an early stage of life. The early you invest, the better coverage you get, and the less premium you have to pay.

7. Is it necessary to buy health insurance in India?

A health insurance plan safeguards your finances against the future mighty medical expenses. It is necessary but not mandatory to buy health insurance in India.

8. Can I claim health insurance multiple times under the fixed tenure of 1 year?

Yes, there's no limit to the number of claims in a single year unless there is a specific cap laid down in the policy.

9. Does every network hospital provide a cashless facility?

Yes, every insurance company has a network of hospitals in which cashless treatment facilities are available to the policyholders. To get the information about the nearest network hospital, you should check the policy document or respective insurance provider's website.

10. If I forgot to renew the policy on time, will the company deny to renew it later?

Most insurance companies will not deny the renewal within the grace period, which is usually of 15-30 days from the date of expiry of the policy. However, you will not be entitled to any coverage for the period during which the insurance company did not receive any premium. Also, the policy would lapse if the premium is not paid within the grace period.

11. How does insurance help in health check-up facilities?

Some insurance companies promise to reimburse general health checkup expenses once every 4 years. But it can vary from insurer to insurer. You need to check for the same with your respective insurer.

12. Does health insurance policy offer coverage to diabetes patients?

health insurance provides cover to diabetes patients and related complications. However, it may vary from insurer to insurer. Most of the companies provide the same after a waiting period of 4 years.

13. Does health insurance in India cover any kind of diagnostic charges like MRI, X-Ray or any other body scans?

Yes, health insurance covers the medical tests and scans for the inpatient treatment, i.e., during hospitalization for at least 24 hours.

14. What's the waiting period and sum insured for maternity insurance in India?

A waiting period of 48 months applies to avail of maternity insurance benefits. A cover of Rs. 25,000 in cesarean delivery and Rs. 15,000 is usually provided in a maternity benefit of health insurance plans.

15. What factors affect the premium payable for a health insurance policy?

Age is the biggest factor that determines the premium payable. The older you are, the higher is your premium, as you'll be more prone to illness. Your medical history is another factor that will go into determining the premium. If you don't have any medical history, the premium would be naturally lower. You are also eligible for a discount on the future premium payable if you have not claimed in the previous years.

16. What is GST and how does it impact health insurance?

Goods and Services Tax (GST) - implemented in 2017 - is an indirect tax levied on the sale of goods and services in India. It has replaced many indirect taxes imposed on goods and services by the State and Central Government. Before the new tax regime, the service tax rate applicable to health insurance was 15%. However, with the implementation of GST, the tax rate has been raised by 3% placing health insurance in the 18% tax bracket.

17. Does Health Insurance Plan Covers Ayurveda & Other Treatments?

Nowadays, many health insurers have started offering AYUSH Benefit to their policyholder, that covers Ayurvedic Homeopathic, Unani and Siddha treatment. By availing of this benefit, one can get their inpatient Ayurvedic, Yoga and Naturopathy, Unani, Siddha and Homeopathy treatment reimbursed by the health insurer.

18. When should I consider buying a Critical Illness Health Insurance?

Critical Illness Health Plans is a typeof health insurance that protects your hard-earned money in case you are diagnosed with a critical illness such as Cancer, Kidney Failure etc. Buying this ensures that your treatment expenses will be taken care of. One should consider buying this plan if they have a family history of such illness, or if they think that habits or lifestyle may make you vulnerable to such disease. For example, if you are a chain smoker, there are 90% of you being vulnerable to lung cancer.

19. I am already getting Health Insurance from my office? Do I still need to buy another health policy?

It's good if you are getting health insurance from your company. But what if you decided to switch the job? You will lose all the benefits. Hence, chances are that you will need to pay a higher premium for your new policy because of your growing age. Therefore, to be on the safer side, you can buy a separate health plan that will ensure your and your family's healthcare needs are looked after even if you no longer have your company's health policy.

20. Can I buy Health Insurance for my parents if I am not earning, because my parents are not literate enough to understand the insurance plans and documentation?

Yes, the premium can be paid by any earning member of the family. Documents should be submitted by that member only.

21. Can I have multiple Health insurance at times?

Yes, policyholders can have multiple health insurance and can claim from multiple insurance for the same expense. If one cover is not enough then they can use the other cover.

22. Does Health insurance also cover the consultation fee?

Yes, But it can vary from plan to plan.

23. How is the policy premium determined?

Age and gender of the eldest member of the family, city, are the primary pricing factors. With the help of actuarial statistics, these determine your life expectancy. The benefit and sum assured you need are the next greatest factor.

24. Will the policy help me to save money if I am healthy and not claiming the assured amount?

No, it can not be your saving.

25. If I am interested in alternative therapies, how does health insurance work?

It vary from plan to plan

26. Does Health insurance cover Mental health treatment?

Yes. But it varies from plan to plan

27. What is the process of updating the nominee, address, phone number and any other information in my policy documents?

You can update at the time of renewal of your plan. Also , if required you can update the nominee, address, phone number by endorsement, or by sending Email to insurer

28. What all factors need to consider while choosing Health insurance plan?

you should consider the claim process, family health insurance, selecting the correct sum assured, network hospitals, maternity benefits, pre and post hospitalization, renewal, free medical check ups.

29. I can only nominate my blood relatives or can I also nominate my in-laws?

Yes, you can nominate any person.

30. In case of part settlement can an insured claim for the balance amount?


31. Can I Change my Health Insurance Policy? (Health Insurance Portability)?

Nowadays, many health insurance companies are offering a feature of portability. In simple terms, it means that you can switch from your existing provider to another one or from one plan to another (within the same insurer) if you are not satisfied with it. And the best part is that you don't have to lose the continuity benefits (like the waiting period). We have written a comprehensive article on the pros & cons of health insurance portability that might help you decide whether to go for it or not.

What Our Customers Have to Say

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Lavi Sharma

Ahmedabad November 22, 2021

I am very happy that I bought health insurance from apollo munich. One of the best health insurance companies in India. Great plans with good features.

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Ramesh Kumar

Hyderabad November 22, 2021

they have great impressive plans to offer. very amazing and helpful customer service. helped me a lot at the time of claim settlement

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Ravinder Dewan

Delhi November 22, 2021

Good Customer service, and very very good plans at affordable price. very quick claim settlement process.

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Abhishek Dhawan

Bhopal November 17, 2021

Good company with great health plans, amazing customer care team as they explained the plans very briefly and helped me to find the best suitable plan for myself.

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Sheersha Kundra

Bengaluru October 28, 2021

The company has various affordable plans also they have an amazing customer care team that helps their customer in their time of need.

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Jason Imanuel singh

Hyderabad October 28, 2021

may claim was settled in no time... I went to a non-network hospital and they reimburse my claim with in 2 days

Customer Review Image

Ravi Rajora

Delhi October 28, 2021

Quick reimbursement process with good and supportive claim team... customer care team is very efficient and helpful.

Customer Review Image

deepankar singh

Chandigarh October 26, 2021

Good company with supportive customer care. I am very happy with the way the company settled my claim.

Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of Insurance Web Aggregator.