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Best Health Insurance Plan in India September, 2023

Best Health Insurance Plans offer a plethora of benefits to insured individuals such as pre & post-hospitalization coverage, domiciliary hospitalization, OPD Coverage, rider benefits, and more. Individuals when investing in the best health insurance plan in India must consider a few factors like network hospitals, cashless hospitalization services, customer assistance, plan features, and more. To understand the benefits, features, and eligibility criteria read the article in detail.

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Best Health Insurance Plan At A Glance

Mentioned below are the basic eligibility criteria, features, policy tenure and benefits for the best health insurance in India for your better understanding.

Entry Age Minimum: 18 Years Children: 3 Months to 25 Years
Adult Entry AgeMaximum: 65 Years
Sum Insured1.5 L - 2 Crore
Relations CoveredSelf, Spouse, Dependent Children, Dependent Parents, Dependent Grand-parents, Dependent Grand-children, Dependent Parents-in-law
Tax BenefitsAvailable
No-Claim Bonus5% - 200% Up to Sum Insured
Cashless ClaimAvailable
BenefitsPre & Post Hospitalization, Ambulance Cover, Daycare Treatment, Organ Donor Cover, Second Medical Opinion, Optional Covers, Automatic Restoration
Rider BenefitsAccidental Death Benefit RiderCritical Illness Rider Terminal Illness Rider Permanent Disability Rider Loss of Income

Top 5 Health Insurance Plans In India

There are multiple categories and types of health insurance plans available for customers that cater to specific medical needs. We have mentioned below some of the best medical insurance as per your needs and requirements.

S. No.

Plan Name

Why We Like It?

Sum Insured

#1SBI Health Edge Unlimited Refill
Wellness Benefit
Stay Fit Health Check-up
SI - 3 to 25 L
#2HDFC My: Optima Secure 4X Coverage
Multiple Discounts
Restore Benefit
SI - 5 L to 2 Crore
#3Star Family Health Optima Insurance Plan 100% Automatic Restoration
Organ Donor Cover
Assisted Reproduction Treatment
SI - 3 to 25 L
#4Care Advantage Emergency Ambulance
Daycare Treatment
Unlimited E-consultation
SI - 25 L to 6 Crore
#5ICICI Health AdvantEdg OPD Coverage
Covers PED
Additional SI
SI - 5 L to 3 Crore
#6Star Health Premier Insurance Policy Cataract Treatment Cover
10% Health Check- Up Discount
100% Cumulative Bonus
SI - 10 L to 1 Cr
#7TATA AIG Medicare Premier Wellness Services
Compassionate Travel
Home Care Treatment
SI - 5 L - 3 Crore
#8Future Generali Health Super Saver Plan 10% Discount for Family Members
80% No Claim Bonus
100% Medical Reimbursement
SI - 3 L to 50 L
#9Royal Sundaram's Lifeline Supreme Health Insurance Plan-Supreme Plus Health And Wellness Benefits
Bariatric Surgery Cover
20% No Claim Bonus
SI - 5L to 1 Cr
#10Zuno Health Insurance Newborn Cover
50% No Claim Bonus
5000+ Network Hospitals
SI - 5 L to 1 Cr
#11Oriental Health Insurance Happy Family Floater Policy Non-TPA Discount 5.5%
10% Discount on Online Renewal
Waiver of Proportionate deduction
SI - 1 L to 50 L
#12ICICI Lombard Health Booster(Top UP Plan) No Check-up up to 10 Lakh
Discount of up to 12.5%
Reimbursement within 14 days
SI - 5 L to 50 L
#13Care Cancer Mediclaim Chemo & Radio Therapy
Organ Donor Cover
Annual Health Check-up
SI - 10 L to 2 Cr
#14Niva Bupa Health ReAssure 2.0 Plan Lock the Clock Benefit
Reassure Forever
Unlimited e-opinion
SI - 5 L to 1 Cr
#15Bajaj Allianz Global Personal Guard Death & Injury Cover
Children Education Benefit
Coma Cover
SI - 1 L - 25 Crore

Disclaimer: The sequence of plans in the table does not define their ranking.

Find and compare the top medical policies to pick the best plan. Here is a classification of the best health policies into different categories, offering you the convenience of selection.

Types of Best Health Insurance Plans

Understanding various kinds of health insurance categories in India will help you in selecting a suitable plan for yourself. There are various categories of health insurance plans available which are classified below in order to make you understand the features and benefits of each category better.

Best Health Insurance Plan for Individuals and Families

Individual health insurance plans serve an individual and give all coverage benefits to the covered individual. Individual plans provide benefits like pre and post-hospitalization, no-claim bonuses, nursery treatments, organ donor coverage, and so on. A family health insurance plan, on the other hand, covers several family members under a single policy and is charged a single payment. Such health insurance plans are reasonably priced and provide numerous features that are beneficial to a person with multiple dependents.

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

Unique Features

  • Avail free health check-ups
  • Hospital Cash Benefit
  • 100% Automatic Restoration

Star Comprehensive Plan (Pros)

  • 99.6% CSR
  • Up to 1 Cr SI
  • Maternity Cover
  • New Born Baby Cover
  • Road and Air Ambulance

Star Comprehensive Plan (Cons)

  • No Global Coverage
  • No IVF Treatment
  • No compassionate Travel
  • HIV/AIDS not covered

Star Comprehensive Plan (Other Benefits)

  • Individual and family floater
  • Mid-term inclusion available
  • Accidental Death
  • Permanent Total Disablement
  • Star Wellness Program

Star Comprehensive Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

Family Health Optima Policy (Pros)

  • No Pre-Policy Check-up
  • Lifelong Renewability
  • High SI available
  • COVID-19 cover
  • OPD covered

Family Health Optima Policy (Cons)

  • PED cover not available
  • Obesity Treatment Unavailable
  • Hazardous Activities
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Family Health Optima Policy (Other Benefits)

  • Long term discounts
  • Premium Payment flexibility
  • Health Check-up Cover
  • Domiciliary Hospitalization
  • Modern Treatment Cover

Family Health Optima Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

A comprehensive health plan for individual and family with SI of 3 lacs to 6 Cr. with global coverage.

Unique Benefits

  • In-built maternity cover
  • No upper age limit for enrollment
  • Coverage for modern treatments

Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.

Unique Benefits

  • No pre-policy checkup needed
  • Dialysis cover available
  • Annual Health Checkup

Care Freedom (Pros)

  • Cashless Healthcare
  • No pre-policy check-ups
  • SI Recharge
  • Lifelong Renewability
  • 15-day free-look period

Care Freedom (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Freedom (Other Benefits)

  • 2 Plan variants
  • Consumable Allowance
  • Annual Health Check-up
  • Long Term Discounts
  • Dialysis Cover

Care Freedom (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - Lifelong
  • SI - 3 to 10 L
  • Waiting Period - 30 Days

A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakh to 1 Crore) and continues to give you more benefits.

Unique Features

  • Covers a maximum of 6 members
  • Unlimited SI restoration
  • Coverage for modern treatments

Health Reassure Plan (Pros)

  • Booster benefit
  • Organ donor transplant
  • ReAssure
  • Live Healthy Benefit
  • Second Medical Opinion

Health Reassure Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • No Suicide Cover
  • No War Injury Cover

Health Reassure Plan (Other Benefits)

  • Air Ambulance
  • Hospital Cash
  • Personal Accident Cover
  • Domiciliary hospitalization
  • Day care treatment

Health Reassure Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

An individual and family plan that covers all day care treatments, modern treatments, comes with a safeguard add-on and provides annual health check-ups.

Unique Features

  • No room rent capping
  • 20% no-claim bonus on SI
  • 100% SI restoration

Health Companion V2022 (Pros)

  • 5% Doctor Discount
  • 10% Family discount
  • Tenure Discounts of upto 15 %
  • Annual Aggregate Deductible
  • Home Care Treatments

Health Companion V2022 (Cons)

  • No OPD Cover
  • No Maternity Cover
  • Cosmetic Surgery Uncovered
  • Specific Diseases after 2 yrs
  • No Alcoholism Cover

Health Companion V2022 (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Vaccination on Animal Bite
  • Organ Donor Benefit
  • Domiciliary treatments

Health Companion V2022 (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.

Unique Features

  • Free health checkup
  • 2X multiplier benefit
  • 100% SI restoration

Optima Restore Policy (Pros)

  • Daily Hospital Cash
  • Ambulance Cover
  • Modern Treatment
  • Lifetime Renewal
  • Pre and Post Hospitalization

Optima Restore Policy (Cons)

  • No Dental Cover
  • No Maternity Cover
  • No Non-Allopathic treatment
  • Pre-Existing Diseases after 3 yrs
  • Alcoholism not covered

Optima Restore Policy (Other Benefits)

  • Sum Insured Enhancement
  • Tax Benefit
  • E-Opinion
  • 10% Family Discount
  • 7.5% discount on 2 years premiums

Optima Restore Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

A comprehensive health insurance plan that covers you & your family's healthcare needs with a wide range of SI (2 Lakhs to 50 Lakhs)

Unique Features

  • Available in 4 different variants
  • 100% Automatic Restoration of SI
  • Riders for enhanced coverage

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

A comprehensive Plan with 5 different variants suitable for individuals and young couples, offering a sum insured up to 1 Crore.

Unique Features

  • Avail Family Discount
  • Worldwide Emergency Protection
  • Avail Healthy Lifestyle Benefits

Manipal Cigna Pro Health (Pros)

  • 5 Plan Variants
  • SI Up to 1 Crore
  • Hospital Cash Benefits
  • Up to 200% Cumulative Bonus
  • Avail Health Check-Up

Manipal Cigna Pro Health (Cons)

  • Optional Co-Pay
  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities

Manipal Cigna Pro Health (Other Benefits)

  • 8500+ Cashless Hospitals
  • Tax Benefits
  • Inflation Protection
  • Medical Check Up Cover
  • Health Reward Points

Manipal Cigna Pro Health (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No limit
  • SI - 2.5 L to 1 Cr
  • Waiting Period - 30 Days

Best Health Insurance Plan for Senior Citizens

Senior Citizen health insurance plan is designed for individuals between the age of 60 and 80 years of age. It is an essential health insurance category as it ensures financial stability and promises quality medical care to senior citizens across the country. The various benefits of senior citizen health insurance plans are home care, daycare treatments, cashless hospitalization, and more.

Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.

Unique Benefits

  • No pre-policy Medical Checkup
  • Lifelong Renewability
  • Automatic SI Recharge

Care Senior Citizen (Pros)

  • No pre-policy check-up
  • Annual Health Check-up
  • 540+ Day Care Treatments
  • EMI premium options
  • Discounts Available

Care Senior Citizen (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Senior Citizen (Other Benefits)

  • Organ Donor Cover
  • Second Opinion Available
  • Affordable Premiums
  • Covid-19 Treatment
  • Ambulance Cover

Care Senior Citizen (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - No age limit
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.

Unique Features

  • Guaranteed Lifelong renewals
  • No Pre-acceptance Medical test
  • Availability of Instalment Facility

Senior Citizens Red Carpet Policy (Pros)

  • Individual & family floater plan
  • Flexible SI
  • Road Ambulance Cover
  • ICU cover
  • Health Check-up cover

Senior Citizens Red Carpet Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Senior Citizens Red Carpet Policy (Other Benefits)

  • Flexible-Premium Payment
  • Cataract Treatment available
  • Modern treatment cover
  • No pre-policy checkup
  • OP Consultation

Senior Citizens Red Carpet Policy (Eligibility Criteria)

  • Entry Age - 60 Years
  • Max Entry Age - 75 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Offers 360 degrees protection to you and your family with multiple SI options of 3 to 75 Lakhs. Comes with EMI and lifelong entry option.

Unique Features

  • Fitness discounts during renewal
  • Room rent capping and co-pay
  • Loyalty discounts

my:health Suraksha (Pros)

  • Renewal Benefit
  • Wellness Benefit
  • Premium Payment Options
  • Reduced Premium Benefit
  • 1,2,3 Years policy Period Option

my:health Suraksha (Cons)

  • No Return Transportation Cost
  • Suicidal Injuries
  • No Non-Allopathic treatment
  • Adventure Sports Injuries
  • Alcoholism

my:health Suraksha (Other Benefits)

  • Pregnancy Complications Covered
  • Newborn Complications Covered
  • Loss of Job Covered
  • Post Diagnosis Support
  • 41 Critical Illness Covered

my:health Suraksha (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 75 L
  • Waiting Period - 30 Days

Best Health Insurance Plan for Critical Illness

Individuals face significant financial and emotional hardship as a result of several life-threatening conditions. Heart attacks, cancer, stroke, paralysis, and other illnesses are all covered by critcal illness health insurance. Insured people use their insurance money not only to treat themselves, but also to support their family members in the event of a debt or liability.

An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.

Unique Features

  • One-time lump sum payment
  • No medical checkup up to 45 years
  • Lifelong renewability

Critical Illness Policy (Pros)

  • In- Patient Hospitalization
  • High Cover at Low Premium
  • 1 or 2 Year Policy Period
  • End Stage Liver Failure
  • No Cover ceasing age

Critical Illness Policy (Cons)

  • 10 Lakh Fine on Wrong Claim
  • Tuberculosis Not Covered
  • PED after 48 months
  • Kaposi's sarcoma Not Covered
  • Lymphomas in brain Not Covered

Critical Illness Policy (Other Benefits)

  • 3 Variants (Silver, Gold, Platinum)
  • Two Year Policy Period
  • Guaranteed Renewal for Life
  • Loading on Renewal
  • Individual and Floater SI Options

Critical Illness Policy (Eligibility Criteria)

  • Entry Age - 5 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 90 Days

Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.

Unique Features

  • Modern Treatment Covered
  • Non-allopathic Treatment
  • Coverage Medicine and drugs cost

Designed to cover medical expenses incurred for the cancer treatment at all stages. The plan pays a lump sum amount to meet the cost of surgery, chemo, etc.

Unique Features

  • Up to 150% of cancer care cover*
  • No claim bonus
  • Age Limit: 18 - 65 years

Best Top-Up health insurance Plans

Top-up or Super top-up health insurance offers individuals to avail sum insured on top of their base policy. A top-up health insurance policy is utilized when the claim exceeds the limit of the base sum insured from your primary policy.

The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.

Unique Features

  • All Daycare procedure
  • Pre and Post Hospitalization
  • Organ Donor Expense

Star Super Surplus Policy (Pros)

  • Flexible Policy
  • Avail Long Term Discount
  • Cover family up to 2A+3C
  • Lifelong renewal
  • 2 Plan variants

Star Super Surplus Policy (Cons)

  • Includes Deductibles
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Super Surplus Policy (Other Benefits)

  • Avail e-opinions
  • Star Wellness Services
  • Recharge benefit
  • Air Ambulance
  • No pre-policy Medical check-up

Star Super Surplus Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

A super top-up plan providing extra coverage to you and your family on the basis of deductible with SI options of up to 95 lakhs.

Unique Features

  • No room rent capping
  • Unlimited E-consultation available
  • Pharmacy and diagnostic services

NivaBupa Health Recharge (Pros)

  • Loyalty Additions up to 50%
  • Pharmacy and Diagnostic Services
  • Personal Accident Cover
  • Easy Plan Convertibility
  • Day Care Treatments Coverage

NivaBupa Health Recharge (Cons)

  • Maternity Treatment not covered
  • Pre-existing Diseases not covered
  • Alcoholism not covered
  • Dietary Supplements not covered
  • No COVID-19 cover

NivaBupa Health Recharge (Other Benefits)

  • Intensive Care Unit charges
  • Domiciliary treatment
  • HIV / AIDS Treatment Covered
  • Artificial Life Maintenance Benefit
  • Room Rent (per day) Up to 1%

NivaBupa Health Recharge (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 Lakh - 95 Lakh
  • Waiting Period - 30 Days

An affordable health plan that offers added coverage to the policyholders as per their requirements with 2 plan variants.

Unique Features

  • Affordable Health Plan
  • Up to 30 Lakhs SI
  • Beat Medical Care Inflation

ManipalCigna Super Top-up Plan (Pros)

  • Add On CI benefit
  • Up to 50% Cumulative Bonus
  • Donor Expenses Cover
  • Day Care Treatment Cover
  • Ambulance Cover

ManipalCigna Super Top-up Plan (Cons)

  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities
  • Dental Treatment

ManipalCigna Super Top-up Plan (Other Benefits)

  • Optional Covers Available
  • Add-on Covers Available
  • Non-medical expenses Cover
  • Opt for Any Room Category
  • Tax Benefits

ManipalCigna Super Top-up Plan (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No limit
  • SI - 3 L to 30 Lakhs
  • Waiting Period - 30 Days

Benefits of the Best Health Insurance Plan in India

Mentioned below are the benefits embedded in the best mediclaim policy that can be availed by customers at the time of purchase.

  • Cashless Hospitalization Avail cashless hospitalization benefits with the best health insurance plans in India as insurance providers have a vast network of hospitals that offer seamless and efficient hospitalization and medical care.
  • OPD Treatment Many of the best mediclaim policy offers OPD coverage as an in-built feature wherein you can avail of doctor consultation, diagnostic tests, pharmacy bills, and other such coverage for outpatient services.
  • Medical Evacuation The best health insurance plan in India offers medical evacuation services like road ambulance cover and air ambulance cover both domestic and international depending on the plan chosen, and the sum insured variant chosen.
  • Maternity & New Born Coverage If you are a newlywed couple and are planning to start a family in the near future the ideal move for you is to invest in the best health insurance plan in India that covers maternity and newborn baby expenses.
  • Tax Benefits Investing in the best health insurance plan in India you are eligible for tax benefits under the Income Tax Act, 1961. All premiums paid for health insurance will make you eligible for tax exemptions under section 80 (D).
  • Medical Second Opinion Individuals can avail of a second medical opinion on investing in the best health insurance plan in India for major illnesses. This allows them to satisfy their search for expert medical advice.

How to Choose the Best Health Insurance Policy in India ?

There are a variety of health insurance policies available in India and each policy comes with some unique coverage benefits. To choose the best health insurance policy in India, you must check the offered benefits and understand what is covered and what is not. Before you decide on purchasing the best medical insurance for yourself, contact our customer service representatives to determine which is the best option that can meet your requirement. You can consider the factors given below while selecting the best mediclaim policy:

  • Look for the right coverage type Choose the right health care plan that shields you against a wide range of medical problems, providing you benefits. Consider your requirements, compare plans on benefits and costs and apply a little due diligence to choose a plan that caters to your needs.
  • Choose an adequate sum insured Ensure your sum insured is enough to cover hospitalisation expenses more than once. Choose the sum insured amount based on the number of members included in the policy and their residing location. Make sure your health insurance policy is flexible and does not fail to cover possible medical emergencies by opting for options such as increasing your sum insured at the time of renewal, buying a super top-up plan, or accessing the portability feature.
  • Set your budget for premium Can't afford a high insurance premium? Co-pay your medical bills, which means you will have to share the healthcare cost with your insurance provider for settling the treatment charges.
  • Extensive network hospitals A vast number of network hospitals is a must for any mediclaim policy to be the best. Network hospitals help the insured to avail of cashless treatment in either case of emergency or pre-planned treatment.
  • No-sub limits help Go for a medical plan that does not imply sub-limits on room rent as it is a major component of hospital bills during hospitalisation. Health insurance without sub-limits allows you to select the room at your convenience.
  • Waiting period Generally, the waiting period for pre-existing disease in health insurance policies is 1-4 years. However, you should select a plan that offers an option to reduce the waiting period for pre-existing diseases (PED).
  • Reliable insurance provider Buy a medical plan from the health insurance company with a good claim settlement ratio, annual premium, and market reputation. Besides, check for the insurance provider that offers the flexibility of changing sum insured, easy claim settlement process, and lifetime renewability.
  • Compare your health plan Click. Compare. Choose.
    Many insurance web aggregators allow customers to compare multiple health insurance plans within a few seconds. Compare health insurance premiums, features, benefits, network hospitals, etc. of as many plans as you want and make an informed decision.
  • Look for a maximum renewable age The feature of lifetime renewability is important for most policies especially health policies for senior citizens as the premium amount increases with increasing age. The benefit of lifetime renewability takes off the financial pressure in case of medical emergencies. Considering the dramatic rise in medicare expenses the importance of lifetime renewability has increased even more.

Why Buy the Best Health Insurance Plan In India

Having the best health insurance plan is imperative as it provides you with financial protection in the event of medical emergencies and planned hospitalization. It facilitates the best healthcare services in the form of individual and family floater health variants. At the time of purchase, it is possible that you may get overwhelmed by the different variants available in the market. We at PolicyX aim at simplifying your decision regarding purchasing the best health insurance plan in India. Depending on your needs and requirements we have listed below the reasons that will clarify your doubts and help you understand why you should buy the best health insurance plan in India.

  • Financial Planning : In order to plan your finances better it is essential to prioritize health care and safeguard yourself and your family's medical care needs so as to not drain your savings in the time of need. When customers invest in the best health insurance policy in India they not only can fight medical care inflation but also avail the best of medical care services provided by the insurers.
  • Avail Quality Health Care : Best medical insurance in India ensures that you can receive timely and quality healthcare services without worrying about the affordability or availability of medical resources.
  • Wellness Programs : In-built wellness programs are available with the best health insurance in India. These wellness programs are designed to motivate and encourage customers to keep a fit and active lifestyle by providing various discount options for health check-ups and points at the time of policy renewals.
  • Individual and Family Health Cover : The best health insurance plans in India offer individual and family floater options wherein you can cover your family members such as spouse, dependent children, dependent parents, parents-in-law, and more.
  • Customization Flexibility : When investing in the best medical insurance in India customers get the option to customize their health coverage with additional riders like accidental death rider, critical illness coverage, disability rider, temporary illness rider, and more.

Add-on Covers under Best Health Insurance Plan in India

Under the best mediclaim policy in India, insurance holders can find the option of availing various additional cover options. These additional covers provide insurance holders with extra protection during any medical emergency. Below mentioned are optional covers that are provided by health insurers to insurance holders at the time of any new health insurance policy purchase:

  • Critical Illness Cover The top health insurance policies include an optional critical illness cover that will assist policyholders with hospitalisation and treatment in the event of a critical illness. The add-on cover gives an additional sum in addition to the policy's fixed sum insured in the event that any serious illnesses, such as cancer of various types, cardiovascular disorders, and so on, are discovered. The sum offered under critical illness may vary between INR 10-15 Lakhs.
  • Maternity Cover and New Born Cover This additional coverage provides the insured with maternity and new-born baby coverage. Maternity add-on coverage includes hospitalisation costs, delivery costs, prenatal and postnatal care for a new mother, and coverage for congenital illnesses if identified in a new born.
  • OPD Cover Most Indians seek treatments in OPD and avoid getting hospitalized because of the high hospital bills. OPD cover is an additional cover option provided under the best health insurance plans that help you save money on consultations, dental treatments, pharmacy bills, opthamology tests, medical tests and more.

Deciding Coverage under Best Health Insurance Plan

There are various factors affecting the decision of how much sum insured is enough for an individual. To select the best health insurance plans there are certain factors mentioned below for our readers

  • Number of members insured under a single policy
  • Lifestyle of the applicant (smoking status, alcoholism, etc.)
  • Residence location
  • Gender and Age of the insured
  • Needs of insured

Best health insurance plan in India Inclusions

The various inclusions under the best health insurance plans in India include:

Pre and post hospitalization

Daycare treatments

Organ donor expense

Domiciliary treatment

AYUSH Treatment

Accident Cover

Health Check-ups

Best Health Insurance Plan Exclusions

The various exclusions under the best health insurance plans in India include:

Obesity/weight control treatments

Self-inflicted injuries

Cosmetic or plastic surgery

Injuries due to substance abuse

Medical Aid

Best Health Insurance Plans FAQs

1. What are the factors that define the best health insurance plan?

The needs of every individual vary from one another. However, there are few standard factors that should be kept in mind every time you buy health insurance like, checking the network hospitals in your vicinity, coverage the plans are offering, premium you need to pay etc.

2. What is the benefit of having the best health plan?

Having the best health insurance plan will ensure that you get complete coverage in case of a medical emergency. With the best health insurance, you can avail benefits like cashless hospitalization at network hospitals as well as can save taxes under Section 80D of the Income Tax Act, 1961.

3. I am a cancer patient. How do I choose the best health insurance policy for me?

A cancer policy is specifically designed to meet the insurance needs of a cancer patient. However, if you are already suffering from cancer, you will not be covered under a cancer specialist policy.

On the contrary, if you have cancer in your family history, or you might feel that you may get this unfateful disease due to your lifestyle, it is better to be prepared in advance. Along with your standard health plan, you can buy the best cancer specific policy that will protect you as well as your finances during such dreadful times.

4. My grandparents never had health insurance. Which would be the best health plan for them?

While choosing the best health plan for your grandparents, the one factor you need to keep in mind is that you choose a plan that offers a maximum renewal age. This factor, along with the other factors like the entrance age, extent of coverage, the number of available network hospitals etc should be kept in mind when choosing a health plan for grandparents.

5. Do I need to compare all the health plans before buying the best health plan for myself?

Yes, before buying a health plan for yourself, always compare health insurance premiums, features, benefits, network hospitals, etc. of as many plans. This will not only help you choose the best individual health plan but will also help you to customize your plan as per your needs.

6. What is the best medical insurance plan for a family in India?

The best medical insurance plan for a family in India depends on factors like family size, age of family members, and healthcare requirements. Popular options for family medical insurance include Family Floater plans offered by companies .

7. What should a policyholder consider before buying the best medical insurance policy?

It's important to assess coverage, sub-limits, waiting periods, and network hospitals before making a decision.

8. Are pre-existing conditions covered by medical insurance in India?

Yes, the best medical insurance policies in India cover pre-existing conditions, but they often have a waiting period before the coverage becomes active. The waiting period typically ranges from 2 to 4 years.

9. What is the minimum and the maximum age required to buy the best health insurance plan?

The age eligibility criteria for health insurance in India varies across insurers. Typically, it ranges from 18 years to 65 years. However, it's important to note that the age limits can be lower or higher depending on the specific health insurance plan you choose.

10. Are critical illnesses covered by medical insurance in India?

Yes, the best medical insurance policy in India covers critical illnesses, such as cancer, heart attack, paralysis but they often have a waiting period before the coverage becomes active. Kindly check the inclusion and exclusion of the policy before buying it.

11. Do all health insurance plans have family coverage?

No, not every health insurance has family coverage. And the plan covering family comes with the name' Family Floater Plan'.

12. Can I get coverage for a pre-existing medical condition?

Yes, there are many health insurance plans with pre-existing diseases that cover them, the only point to notice here is the waiting period of the disease, that is mentioned in the policy brochure.

13. Do all health insurance plans cover vaccinations and preventive care?

No, not all plans offer vaccinations and preventive care coverage. There are plans that provide the coverage but with limitations of the sublimity of cost or in some cases waiting period.

14. Can I switch my health insurance plan mid-year if I find a better option?

It is generally not permissible to switch health insurance in the mid-year. Policies are portable at the time of renewal.

15. What happens if I need treatment while traveling abroad?

When it comes to international healthcare coverage, there are few companies that provide international health insurance policies. Few insurance plans have travel insurance as an add-on, while others may provide limited coverage.

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August 25, 2023

a good experience in this company very fast and helpfull customer service and support one of Advisor Mr. Gulshan very talented advisor and resolved my all questions and doubts thank you policyx...

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Very good experience in this company and one of advisor mr.gulshan sendhav very talented person and good knowledge

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June 13, 2023

Fast and helpful customer support. Had issues with claim filing and the query was resolved in just some time. Very happy with the forever available assistance.

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A thoughtful health insurance provider, they helped with the claim settlement without any hassle in a medical emergency when my father was hospitalized

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June 3, 2023

The company has some of the best health plans from low budget to high. The company provides support 24/7 and does not bother with spam calls.

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Richa Agrrawal


May 1, 2023

my experience with PolicyX has been overwhelmingly positive. Their excellent service, a wide range of insurance options, user-friendly website, competitive pricing, and trustworthiness make the...

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.