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Top 10 Health Insurance Plans In India

Health is the most beautiful thing in our life. Somewhere it is rightly said that "Health is Wealth".  A good health insurance plan will help you keep your health on point. Here we have listed the best health insurance plans that will guide you to achieve your perfect health goal with the best health insurance plan.

Top 10 Best Health Insurance Plans in 2024

Plan Name
Eligibility Criteria
Plan Type
Sum Insured
Incurred Claims Ratio 2023
Niva Bupa Aspire Plan 18 years to 46 years Comprehensive and maternity Plan Upto INR 1 Crore 54.05
Niva Bupa ReAssure 2.0 18 years to 65 years Family Floater Plan Upto INR 1 Crore 54.05
Star Health Assure Policy 18 years to 75 years Comprehensive Plan Upto INR 2 Crore 65
Care Supreme Plan 18 years to 99 years Comprehensive Plan Upto INR 1 Crore 53.82
ManipalCigna Prime Senior Elite 18 years Senior Citizen Plan Upto INR 50 Lakh 64.66
Aditya Birla Activ Health Platinum Enhanced 91 days Comprehensive plan with Chronic Management Upto INR 2 Crore 64.68
HDFC ERGO My: Optima Secure Health 18 years Family Floater Plan Upto INR 2 Crore 79.04
Royal Sundaram Lifeline Supreme Health 18 years Comprehensive plan with Critical Illness coverage Upto INR 50 Lakh 83.36
ICICI Lombard Health AdvantEdge 18 years to 65 years Comprehensive Plan with additional coverage Upto INR 3 Crore 77.33
Manipal Cigna ProHealth Prime 18 years Comprehensive Plan Upto INR 1 Crore 64.66
What is Eligibility

Eligibility is the pre-set criteria that you must fit into to buy an insurance policy. Eligibility includes age, the status of your health, income, pre-existing diseases, nationality, salaried or self-employed, etc.

What is Incurred Claim Ratio?

The ratio of the entire claim amount paid by the insurer to the total premium collected in one financial year is called the incurred claim ratio (ICR).

What is Sum Assured?

Sum assured is the total amount which will be given to your nominee as death payout after your demise.

Why These Plans Are the Best?

Talking about the best health insurance plans, we have curated a list of some of the most popular plans in 2024. Read below to know more about their features and the reasons behind them being top-selling plans in India:

  1. Niva Bupa Aspire

    One of the best health insurance plans launched on 13th December 2023 is the Niva Bupa Aspire plan. It has everything you would ask for in a modern health insurance plan. If you ask for in-patient coverage, you will get that; ask for maternity benefits, you will get that; also you can include up to 6 members of your family in this plan. Have a look below at the key features of the plan.

    • Comes with 4 variants like Gold+, Diamond+, Platinum+, and Titanium+.
    • No sub-limit on the surgeries. You will get coverage for surgeries like joint replacement and cataract treatments up to the chosen sum insured amount.
    • This plan covers maternity expenses, including delivery, pre and post-natal care, and even infertility treatments.
    • You can carry forward the unutilised sum insured and use it in next year's sum insured.
    • You will get free annual health check-ups at any of the wide range of network hospitals as per your choice.
  2. Niva Bupa ReAssure 2.0

    Among the top 10 best health insurance plans in our recommendation is Niva Bupa ReAssure 2.0. It gives extended coverage to you and your family. This plan covers hospitalization expenses, ambulance charges, home care expenses, AYUSH Treatment, e-consultation, and much more. But, there are some other key benefits that this plan offers. These are-

    • ReAssure Forever - After your first claim, your Niva Bupa ReAssure 2.0 plan will play for unlimited future claims related to the same conditions.
    • Lock the Clock - You can lock the premium rate for the number of years, regardless of your age.
    • With the Booster+ benefit you will be allowed to carry forward any unused sum insured amount to the next year, for up to 5 to 10 times the base amount.
    • Family Plan Option- With this plan, you can cover up to 6 people in the plan.
  3. Star Health Assure Plan

    An exclusive comprehensive health plan that gives complete coverage at a very reasonable rate. This plan also covers maternity treatment and infertility treatment. You will also get coverage for hospitalisation and related expenses. If you are an individual and want to secure your child then you can buy the plan when your child is 91 days old. Here are some of the key features of the plan.

    • Automatic Sum Insured Restoration is one of the major advantages. With this benefit, you will get automatic restoration of the sum insured in case you use up your entire sum insured amount during a policy year due to hospitalisation. This will provide essentially unlimited coverage for the hospitalisation expenses within that year.
    • Wellness discount - Star Health rewards the policyholders who keep themselves healthy. This means, that if you do not make any claim in a year, then you will get a discount on your next renewal premium. This is how you can be financially benefited to prioritise preventive care.
    • Family Coverage - You can extend the coverage to your spouse, dependent children, and even parents under a single plan, making it the best option for the family.
    • Assured Health Checkup- You will get a free annual health checkup irrespective of whether you make a claim. This way you can promote preventive healthcare.
    • Fertility Treatment- Something unique that this plan offers. You will get Assisted Reproductive Treatment for couples who are struggling due to infertility.
  4. Care Supreme Health

    Another comprehensive health insurance plan that includes wellness benefits. With the cumulative bonus super benefits, you will get up to 500% of the sum insured. If you are 18 years old and looking for a perfect health insurance plan, Care Supreme Health is your best choice. This plan aims to provide healthcare to more family members without charging extra premiums. Here are the key features of this plan:

    • No restriction on room rent - With the Care Supreme Health plan you do not need to consider the room rent when you are hospitalised.
    • You will get coverage for the daycare procedures including OPD.
    • Usually a health insurance plan covers only medical expenses. However, the Care Supreme plan covers non-medical expenses as well.
    • This plan covers domiciliary treatment as well. So, if you want to continue the treatment at home, you can do so.
    • Air Ambulance Coverage - Every year you will get Up to 5 Lacs for air ambulance. Do not worry about the traffic jams when you are far from the hospital. Your air ambulance charges will be covered up to Rs 5 Lacs.
  5. Manipal Cigna Prime Senior Elite

    When we grow old, our body starts becoming weak. We start becoming prone to getting more diseases that can be there till our last breath if not treated well. Manipal Cigna Prime Senior Elite plan is a health insurance plan that is specifically designed for senior citizens. With this plan, you can ensure your retired life is healthy. This plan offers preventive health check-ups, unlimited regular consultation, advanced treatment, listed critical illness safety and so on. Here are some of the key features of the plan.

    • PED Waiting period- You can reduce the waiting period to 90 days from 24 months in the case of pre-existing diseases.
    • Variants- This plan comes with two variants, Manipal Signa Prime Senior Classic and Manipal Cigna Prime Senior Elite. You can choose the best variant among them for you.
    • Room rent flexibility- When we get old, we need proper health facilities. Considering this, the Manipal Cigna Prime Senior Health Insurance Plan provides flexibility in choosing the room type as per your comfort.
    • Advanced Treatment Coverage- With this plan, you can opt for modern treatments like HIV, AIDS, Mental illness, and STDs without any additional sub-limits.
    • Air Ambulance- You do not worry about road traffic, and opt for an air ambulance in distress.
  6. Aditya Birla Activ Health Platinum Enhanced

    A plan that provides coverage for mental illness treatment. You will also get access to the Chronic Management Program if you are someone who is dealing with asthma, high blood pressure, high cholesterol and diabetes. Moreover, this plan will be upgraded automatically at no extra cost, in case you develop a chronic condition after buying the policy.

    • Aditya Birla Activ Health Platinum Enhanced is a comprehensive plan that offers a plan to a person aged 91 days.
    • You can turn this plan into a personal accident cover to give additional protection in case of emergency.
    • In case of any major illness, you will get cashless benefits at international hospitals as well.
    • Aditya Birla Activ Health Platinum Enhanced gives complete coverage for your critical illness treatment.
    • Expert Health Coach - For a sum insured up to Rs 3 Lakh, you will get an expert health coach who can guide you to stay fit.
  7. HDFC ERGO My:Optima Secure Health

    HDFC ERGO My:Optima Secure Health provides coverage from day 1 and you will get double the coverage. Also, you can include add-on coverage that will help you fight against 51 types of critical illness. The plan offers So Many Choices to the policyholders, which includes wide coverage choices, quick turnaround time, fast claim payment, and 24x7 customer service. You can read the key features of the plan below.

    • Policy Options - You can choose family floater where you can add 4 adults and 6 children at max or individual policy in which you can add 6 adults and 6 children.
    • You can select the policy tenure from 1  year to 3 years as per your convenience.
    • You will get options to pay the premiums on an instalment basis which can be monthly, quarterly, or half-yearly.
    • When we are ill, it is very difficult to go on the job. Sometimes, health insurance policies do not cover non-medical equipment such as gloves, scissors and related equipment. So daily hospital cash will help you with this.
    • Add-on cover for critical illness - Optima Secure gives comprehensive coverage for 51 critical illnesses with sum insured options of up to Rs 1 crore.
  8. Royal Sundaram Lifetime Supreme Health

    The Royal Sundaram Lifetime Supreme Health plan is of a kind health insurance plan that offers holistic coverage with a wide range of benefits. These benefits include annual health check-ups, preventive health care, disease management, second medical opinion for up to 11 critical illnesses, no capping on room rent, and much more. This plan is an ideal plan for everyone, and here are the reasons below.

    • Health and Wellness Benefits - You will get built-in health and wellness benefits such as health check-ups that you can use every year.
    • Vaccination Expenses - Royal Sundaram Lifetime Supreme Health Supreme provides coverage of up to INR 5,000 in case of animal bite.
    • Organ Donor Expenses - If you need to go for organ donation in case of a medical situation, then you can use the health insurance policy.
    • No Cost Installment Option- By using easy installment benefits, you can purchase HDFC ERGO Optima Secure. You can pay for the installation on a monthly, quarterly or yearly basis.
  9. ICICI Lombard Health AdvantEdge

    A comprehensive health insurance plan designed to cater to all your health care needs. Along with the general healthcare benefits, it also covers the treatment cost of cancer-related issues and major critical illnesses as add-ons. These add-ons will also include maternity health insurance for both the mother and the newborn baby, which is available for individuals who can opt for the sum insured above Rs 5 Lakh. Here are a few more exclusive benefits of this plan.

    • You will be covered with hospitalisation expenses internationally. This means that you can avail medical health insurance claim if you opt to go abroad for treatment.
    • Teleconsultation- Now you do not need to go anywhere for a basic understanding of your health. Teleconsultation is available with this plan.
    • Domestic Air Ambulance- You do not worry about the road traffic getting in your way of life. In India, you can choose an air ambulance facility and get covered by your health insurance.
    • Pneumococcal Vaccine Discount- With the ICICI Lombard Health AdvantEdge, all the adult members who are covered in the policy can enjoy vaccination charge coverage.
    • Health Assistance Service- Obviously, the assistance you will get has its charges an will be added to your bill later. But with this plan, you will be covered with the same.
  10. Manipal Cigna ProHealth Prime

    Manipal Cigna ProHealth Prime is not just any health policy, but it is a complete healthcare insurance plan. It is a comprehensive and flexible health plan that offers exclusive coverage, better control, and better care for the insured. This plan comes in three variants including, ProHealth Prime Protect, ProHealth Prime Advantage, and ProHealth Prime Active. You can choose any variant as per your choice of benefits.

    • No Age Limit - There is no upper age limit with Manipal Cigna ProHealth Prime. This means you can avail of benefits until death.
    • Regular health check-ups - Now you can keep a record of your health with the annual health checkup benefit.
    • Covers Bariatric Surgery- In case of medical requirement, your bariatric surgery cost will be covered.
    • Domestic Second Opinion- Sometimes we do not agree with the doctors's opinion, which is normal. You might need to consult with another specialist if required. With ProHealth Prime, your second opinion consultation will also be covered.

Importance of top health insurance plans

In this busy and rapid lifestyle, the need for healthcare is also increasing. According to economics, "as the demand rises, the price also rises". So you need to be prepared for the following instances in the upcoming years:

  • Unexpected medical treatment
  • Hospitalisation cost
  • Maternity cost
  • Pre and post-hospitalisation
  • Critical illness care
  • Expenditure for treatments of injuries due to accident
  • Unexpected medical treatment

Why You Should Buy a Health Insurance Plan?

There are several reasons to buy a health insurance plan. Although you might have read about the benefits, to brush up once again here are some of them given below:

  • Cashless Treatment: Provides the best medical care without paying out of pocket.
  • Regular Health Check-ups: Get regular updates on your health and diagnose any health issues.
  • Critical Illness Coverage: Covers you in a critical health problem without loading your pockets.
  • Free hospitalization: Get an extended Medicare with zero extra charges.
  • Tax Benefits: Avail tax benefits under Section 80D of the Income Tax Act.
  • Ambulance Services: Get free ambulance services without delay in an emergency.
  • Financial Protection: Saves you hard-earned money in times of distress
  • Peace of Mind: Live life worry-free, health insurance will cover you with everything.

Things to Remember Before Buying the Top Health Insurance Plan

  • Check whether the plan is affordable or not.
  • Check if your plan provides broad coverage.
  • Your plan should be flexible enough to buy additional riders.
  • Your plan should also give a larger sum insured.
  • Check the exclusions of the plan before buying it. 
  • Check for the waiting period that the plan is imposing for specific coverage.
  • Check the record of the company for claim settlement.
  • Some health insurance companies have their app to track health and help you with the policy specifications. Check for the same, they give discounts too.

Factors to Consider While Choosing the Best Health Plans

  • Affordability

    The premiums should be affordable and easy on your pockets. Check if you have to pay monthly, quarterly, or annual premiums for the plan.
  • Broad Coverage

    The plan should cover hospitalization, medication, doctor's consultations, diagnosis, lab tests, ambulance charges, critical illness, and other facilities.
  • Flexibility

    Your plan should be flexible for buying additional riders like riders for particular critical illnesses, accidental death or disability riders, etc for more safety.
  • Higher Sum Insured

    Having a health plan with a larger sum insured is necessary as it will cover the maximum expenses of your medical treatment and healthcare.
  • Exclusions

    It's really important that you check the exclusions of your health plan so that you can opt for a better plan where you get minimum exclusions.
  • Waiting Period

    Check out if the waiting period of your plan is not more than 1 year for specific coverage benefits.
  • Claim Settlement

    Check the record of your insurance company's claim settlement ratio, it'll help you get assurance of your claim being accepted.
  • Freebies

    Some health insurance companies have their app to track and help you with your policy specifications, free coaching, free consultations, etc for the customer's ease.


No wonder how but choosing the best health plan for yourself or your dear ones is not a cakewalk. Today, there are hundreds of health plans available in the market that promise to be the top health plan among all. But you need not worry about finding the perfect one among the hundreds. We have sorted the top 10 health insurance plans in the Indian insurance market, just for you.

Top 10 Best Health Insurance Plans: FAQ's

1. From where can I buy the best health plans in India?

You can buy the best health insurance plans from

2. What is the waiting period for health insurance in India?

The waiting period in health insurance plans ranges from 30 days to 2 years depending on the plan specification. The accidental benefits are covered from day one.

3. Can I save on taxes with my health insurance policy?

Yes, you can get exciting tax benefits under Section 80D of the Income Tax Act.

4. Is health insurance affordable?

Losing all your savings in a medical emergency is terrifying. It's secure buy a health plan to secure your well-being as well as save your money.

5. Which add-ons should I take with my health plan?

If you have a base health plan, you can buy additional riders for critical illness, accidental death & disability, permanent disability, etc.

Health Insurance Companies

What Our Customers Have to Say

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Achintya Sharma


May 10, 2024

I’ve been covered by HDFC ERGO Platinum Health Guard plan for years now, and it has been a lifesaver. The coverage is extensive, and the claim process is so easy. I highly recommend the p...

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Parag Mehta


May 10, 2024

I’m impressed with the assistance of the ManipalCigna Prime Senior Insurance policy that I’ve bought for my father. I don’t fear now being a NRI because I’m assured of h...

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Anshul Garg


May 10, 2024

The ManipalCigna LIfestyle Protection Critical Care Policy has coverage for up to 30 critical illnesses with a sum insured of up to 25 Crores. If you’re searching for a policy like this, ...

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Shivalika Varghese


May 10, 2024

If you are searching a health insurance like ManipalCigna ProHealth choose that offers straightforward claim assistance and the flexibility to optimize your coverage, go for it.

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Pratibha Chandrakar


May 10, 2024

I was majorly focused on pre and post-hospitalization expenses coverage and found the best health coverage for these with the ManipalCigna ProHealth insurance policy.

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Kanupriya Ghadge


May 10, 2024

For anyone who’s looking for a comprehensive health insurance policy, I would recommend buying the ManipalCigna ProHealth Prime insurance plan as it provides maximum coverage.

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Neelam Sharma


May 10, 2024

Star health has been my health insurer for more than 2 years and I am happy. Thanks to PolicyX for suggesting me Star Health

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Adi Kukreja


May 10, 2024

My wife fell ill and was diagnosed with jaundice, due to which she had to be hospitalised for a week. But Star’s Family Health Optima Insurance Plan helped me pay the bill and PolicyX mad...

Simran Saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Traveling and writing is her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and solves the reader’s query seamlessly.