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Top 10 Health Insurance Plans in India 2019

According to The, here is the Top 10 list of health insurance plans:

  1. Apollo Munich Optima Restore

  2. Religare NCB Super Premium

  3. Star Family Health Optima

  4. Max Bupa Health Companion Individual

  5. ManipalCigna Prohealth Plus

  1. HDFC ERGO Health Suraksha Gold Regain

  2. Royal Sundaram Lifeline Supreme

  3. Aditya Birla Active Assure Diamond

  4. Star Senior Citizen Red Carpet Health Insurance Policy

  5. Universal Sompo Health Insurance

Name of the PlanAge at Entry (Min & Max)Sum Assured AmountMonthly PremiumPolicy RenewabilityFeatures/Specifications of the plan
Apollo Munich Optima Restore91 days & 65 yearsRs. (3-50) lakhsRs.LifetimeExtension Benefit Online Services/Advice Restore Benefit Stay Active Benefit Critical Illness Additional Cover
Religare NCB Super Premium91 days & No limitRs.LifetimeLifelong Renewability Availability of No Claim Bonus Daycare Benefit 24/7 Ambulance Services Recharge of the Sum assured Automatically
Star Family Health Optima16 days & No limitRs. (2, 3, 4, 5, 10, 15) lakhsRs.Benefit for Solicitous Travel Expenses Rehabilitation of Mortal debris Cover for Road Traffic Accidents Benefit of Auto Recharge facility Restore advantage of the Sum Assured
Max Bupa Health Companion Individual90 days & No limitVariant 1 – Rs. (1, 2, 3, 4, 5 , 10) lakhs
For Variant 2 – Rs. (5, 7.5, 10, 12.5) lakhs
Variant 3 – Rs. (15, 20, 30, 50) lakhs & Rs. 1 Crore
Rs.LifetimeAvailability for Long-Term Policy Benefit for Restoration Vaccination for Animal Bite Direct Claim Settlement Cash for Hospitalization
ManipalCigna Prohealth Plus91 days & No limitRs. (4.5, 5.5, 7.5, 10) lakhsRs.LifetimeHealthcare Benefit Increased Sum Assured Specilists’ Advice for Critical Illness Refill Benefit Cover for Maternity Expenses
HDFC ERGO Health Suraksha Gold RegainNo RestictionsRs. (3, 4, 5, 7.5, 10) lakhsRs.LifetimeRestoration of the Sum Assured Zero Sub-limit Benefit Cover for Maternity Expenses Enhanced Bonus Facility Coverage Basis
Royal Sundaram Lifeline Supreme90 days & 25 Years (Children); 18 Years & No limit (Adults)Rs. (5, 10, 15, 20, 50 ) lakhsRs.LifetimeCover for Pre-Hospitalization and Post-Hospitalization Expenses Regain amount for Sum Insured Expert Opinion Benefit Charges for Emergency Discharge Organ Transplant Costs Benefit
Aditya Birla DiamondRs.Regain Benefit of the Sum Assured Charges for Pre-Hospitalization and Post-Hospitalization Cover for Cancer Hospitalization Upgradation of Hospital Rooms No limit for Sum Assured Amount
Star Senior Citizen Red Carpet60 years & 75 yearsRs. (7.5-10) lakhsNALifetimeCover for Health Consultation Medical Tests Not Included Availability of Sub-Limits Benefit for Pre-Existing Illnesses User-Friendly Claim Settlement Process
Universal Sompo Privilege90 days & 55 yearsBasic Plan – Rs. (1-2) lakhs Essential Plan – Rs. (3-5) lakhs Privilege Plan – Rs. (6-10) lakhsRs.LifetimeAdvantage for Refill of the Sum Assured Benefit of Recuperation Exclusive of Medical Screening Tests Experts’ Consultation Services Maternal and Nursery Benefits

1. Apollo Munich Optima Restore

ApolloMunich brings you innovative health insurance to cover your loved ones under one plan. Optima Restore family floater plan is designed specially to cover your family, which includes your spouse, dependent children, parents, and parents-in-law.

The plan includes unique benefits such as Restore, Multiplier and Stay Active.

With Restore benefit even if anyone in your family uses the sum insured partially or fully, the insurer will instantly add 100% of the sum insured to your policy, which would be available to everyone covered under the plan.

Features and Benefits of Apollo Munich Optima Restore

  • It is applicable only once during a policy year and is not carried forward to the next year.

  • Single claim size cannot exceed the sum of base sum insured and multiplier benefit (if any).

  • In addition, the policy also comes with a Multiplier benefit, which rewards you with a 100% increase in your sum insured after 2 claim-free years.

  • The Stay Active benefit rewards customers who lead an active lifestyle, also allows a customer to enjoy premium discounts.

  • Buy the best-selling Optima Restore health insurance plan online to secure the future of your family right away.

Exclusions of Apollo Munich Optima Restore

  • 30 days waiting period.

  • Pre-existing illnesses for 3 years waiting period.

  • Disease-specific waiting period for 2 years waiting period.


  • Drugs-induced illnesses or injuries.

  • Incurred expense during pregnancy.

  • Dental treatment expenses.

  • External aids.

  • Personal comfort goods.

  • Unauthorized treatment.

2. Religare NCB Super Premium

NCB Super Premium offers an enhanced sum insured along with the comprehensive insurance coverage. Also, the plan offers No-claim Bonus (NCB) benefits.

Features and Benefits of Religare NCB Super Premium

  • Room rent.

  • ICU charges.

  • Health check-up.

  • Domestic Air-Ambulance Cover.

  • International Second Opinion.

  • Pre-hospitalization and post-hospitalization coverage.

  • Organ donor cover: The plan covers reimbursement for incurred medical expenses for harvesting an organ for an organ transplant of the insured.

  • Reassurance of a Second Opinion: The plan offers a second opinion in case the insured has any doubts regarding the diagnosis.

  • Unlimited automatic recharge: This add-on optional cover offers automatic recharge of the sum assured in case it is exhausted.

  • Ambulance cover.

  • Lifelong renewability.

  • Personal Accident Coverage.

  • Domestic Air-Ambulance Cover.

  • International Second Opinion.

  • In-patient hospitalization: In these cases at least for a time period of 24 hours, the policy covers room rent, nursing expenses, expenses for intensive care unit, doctor's fee, surgeon's fee, anesthesia charges, blood charges, oxygen charges, operation theatre expenses, etc.

  • Daycare treatment: The policy covers medical expenses for 540 plus daycare treatments i.e. if the policyholder doesn’t need hospitalization for a time period of more than 24 hours.

Exclusions of Religare NCB Super Premium

  • Waiting period of 30 days of policy commencement.

  • Self-inflicted injury (suicide, attempted suicide).

  • Usage of intoxicant.

  • AIDS.

  • Pregnancy (abortion, miscarriage, and related consequences).

  • Congenital disease.

  • IVF Treatment.

3. Star Family Health Optima

Family Health Optima by Star offers insurance plans on a family floater base. It offers numerous insurance benefits along with affordable premium.

Features and Benefits of Star Family Health Optima

  • Get an extra sum insured at no extra cost.

  • Health check-up benefit for every claim free year.

  • 3 times Automatic restoration of Sum insured by 100% each time upon complete exhaustion.

  • Cover for Assisted Reproductive Treatment.

  • Newborn baby cover from 16th day.

  • Donor expenses for organ transplantation.

  • Domiciliary Hospitalization Expenses for treatment exceeding 3 days.

  • Cover for all Daycare procedures.

  • A grace period of 120 days from the date of expiry of the policy is available for renewal.

  • Hospitalization expenses.

  • Emergency ambulance charges.

  • Air ambulance expenses.

  • Pre-hospitalization and post-hospitalization charges.

  • Organ donor expenses.

  • Health check-up.

  • Newborn baby cover.

  • Compassionate travel expenses up to Rs. 5, 000.

  • AYUSH treatment (Ayurveda, Unani, Siddha, and Homeopathy treatment).

  • Second medical opinion.

  • Single policy, wider coverage for the whole family along with affordable premium.

4. Max Bupa Health Companion Individual

Health Companion by Max Bupa is one of the most preferable and cost-effective health insurance plans developed especially for individuals and nuclear families. Following are the details of this plan:

Types of variants offered by this plan:

Variant- 1

This provides two Sum Assured options: Rs. 3 lakhs and Rs. 4 lakhs. To increase the insurance coverage, it offers an Annual Aggregate Deductible (AAG) option of Rs. 1 lakh, Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs and Rs. 10 lakhs.

Variant- 2

This provides four Sum Assured options: Rs. 5 lakhs, Rs. 7.5 lakhs, Rs. 10 lakhs, and Rs. 12.5 lakhs. To increase the insurance coverage, it offers an Annual Aggregate Deductible (AAG) option of Rs. 1 lakh, Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, and Rs. 10 lakhs.

Variant- 3

This provides five Sum Assured options: Rs. 15 lakhs, Rs. 20 lakhs, Rs. 30 lakhs, Rs. 50 lakhs, and Rs. 1 Crore. To increase the insurance coverage, it offers an Annual Aggregate Deductible (AAG) option of Rs. 1 lakh, Rs. 2 lakhs, Rs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs and Rs. 10 lakhs.

Features and Benefits of Max Bupa Health Companion Individual

  • In-patient hospitalization.

  • Pre- hospitalization and post-hospitalization charges.

  • Daycare treatments: While this plan covers all the daycare treatment expenses, such procedures shouldn’t have been undertaken in the outpatient department.

  • Refill benefit: It provides an additional benefit i.e. to add an amount equal to the sum assured for a successive claim against any different and unrelated illness.

  • Emergency ambulance expenses: This plan covers emergency ambulance expenses up to Rs 3,000.

  • Animal bite vaccination.

  • Hospital cash benefit: This plan provides a lump sum amount of Rs. 4,000 (or as per the selected variant) on a daily basis as daily cash benefit if the policyholder is hospitalized for a at least 2 days. This is applicable for up to 30 days only.

  • Tax benefit.

  • Lifetime renewal benefits.

  • Cashless facility: The plans offer cashless facility at the network-listed hospitals.

  • Organ transplant cover.

5. ManipalCigna Prohealth Plus

Prohealth Plus by ManipalCigna offers complete insurance cover at a cost-effective premium. The plan fulfills different insurance requirements of various health insurance customers. Following are the details of the plan:

Features and Benefits of ManipalCigna Prohealth Plus

  • Enhanced sum insured.

  • Hospitalization expenses.

  • Renewal benefit: The plan offers lifetime renewal option.

  • Long-term policy period.

  • Pre-hospitalization and post-hospitalization charges.

  • daycare cover.

  • Domiciliary treatment.

  • Emergency ambulance cover.

  • Donor expenses.

  • Worldwide emergency coverage.

  • Additional discounts.

  • Health maintenance cover.

  • Maternity expenses.

  • First year vaccinations: This policy provides first-year vaccination costs of the newborn baby (if applicable).

  • Medical check-up.

  • Critical illness expert opinion.

  • Waiver of senior citizen mandatory co-payment: This policy offers an option to eradicate mandatory co-payment applicable to the policyholder 65 years of age and above by payment of an extra premium.

  • Tax benefit.

  • Easy cancellation.

Exclusions of ManipalCigna Prohealth Plus

  • Maternity coverage.

  • First year vaccination of the newborn.

  • Waiting period or 30 days.

  • Survival Period: In the first 90 days from the initiation of the policy, critical illness-related claims cannot be filed.

  • 2 Years waiting period.


  • Genetic disorders.

  • Mental disorders.

  • Drug abuse or suicide.

  • Childbirth/pregnancy.

  • Pre-existing illnesses.

  • Tax benefit.

6. HDFC ERGO Health Suraksha Gold Regain

Health Suraksha Gold is the latest plan by HDFC ERGO that offers comprehensive health insurance coverage. In addition, the plan provides increased collective bonus for every claim-free year from a minimum of 10% to 100% of the amount assured on renewal.

Features and Benefits of HDFC ERGO Health Suraksha Gold Regain

  • Comprehensive coverage.

  • Wide hospital network.

  • No entry age restriction.

  • Tax benefits.

  • Minimal paperwork and hassle-free claims.

  • In-patient treatment expenses.

  • Pre-hospitalization and post-hospitalization charges.

  • AYUSH treatments: This policy provides treatment cover for ayurveda, unani, siddha, and homeopathy according to the sum insured.

  • Maternity benefit.

  • Domiciliary treatment expenses.

  • Organ donation expenses: this plan covers incurred medical expenses for organ harvesting for transplant.

  • Additional discounts.

Exclusions of HDFC ERGO Health Suraksha Gold Regain

  • 30 days waiting period.

  • Specific diseases: Surgical treatments for specified diseases such as tonsils, sinuses, internal tumor, and cysts will be covered only after 2 years waiting period.

  • Pre-existing illnesses.

  • HIV/AIDS treatment.

  • Specific diseases.

  • Drugs abuse.

7. Royal Sundaram Lifeline Supreme

Lifeline Supreme, by Royal Sundaram, offers comprehensive health insurance coverage, which includes annual health check-up, health and wellness benefits, a second opinion in case of critical illness etc. This plan is offered on an individual basis as well as a family floater plan for self, spouse and dependent children to anyone above 18 years of age.

Features and Benefits of Royal Sundaram Lifeline Supreme

  • In-patient hospitalization charges.

  • Pre-hospitalization and post-hospitalization charges.

  • daycare procedures.

  • Ambulance expenses up to Rs. 5,000.

  • Organ transplant cover.

  • Domiciliary treatment.

  • No claim bonus.

  • AYUSH treatments: This policy provides in-patient cover for optional treatment for ayurveda, unani, siddha, and homeopathy up to Rs. 30,000.

  • Animal Bite Vaccination.

  • Yearly health check-up benefit.

  • Second opinion benefit.

  • Emergency domestic evacuation expenses across India up to Rs. 1 lakh.

Exclusions of Royal Sundaram Lifeline Supreme

  • Treatment expenses due to participation in adventure or hazardous Sports activities.

  • Alternative treatment expenses excluding AYUSH.

  • Treatment expenses due to congenital conditions, HIV AIDS, cosmetic surgery, convalescence and rehabilitation, dental and oral treatment, drugs, hereditary conditions, conflicts and disasters, etc.

  • Expenses linked with hospitalization for investigative or observational purpose.

  • Treatment expenses linked with self-inflicted Injuries.

  • Treatment expenses linked with sexual problems, dysfunctions, and gender-related problems.

8. Aditya Birla Active Assure Diamond

Active Assure Diamond by Aditya Birla provides complete health insurance cover with cost-effective premium offering several benefits to the customers.

Features and Benefits of Aditya Birla Active Assure Diamond

  • Sum insured reload benefit: This policy provides sum assured reload in case the sum insured and No Claim Bonus/Super No Claim Bonus (if applicable) is exhausted/insufficient due to prior filing of claims. According to this cover, the policyholder will get up to 150% additional sum assured (Rs. 50 lakhs highest) for hospitalization.

  • Daily cash benefit.

  • Vaccination benefit.

  • Annual medical check-up program.

  • Donor organ transplant expenses.

  • Daycare procedures: the plan covers 586 daycare procedures such as dialysis.

  • Hospitalization expenses.

  • Cancer hospitalization booster.

  • Any room upgrade.

  • Emergency ambulance expenses.

  • Pre-hospitalization and post-hospitalization coverage up to 180 days.

  • AYUSH treatment.

  • Second opinion for critical illness.

  • Domestic and international emergency medical evacuation.

  • Health Coach Benefit: This plan offers cover specialized coaching by a health professional to guide the policyholder in the event where he/she is suffering from hypertension, hyperlipidemia, asthma, diabetes mellitus etc.

  • Decrease in pre-existing diseases waiting period.

  • Accidental Hospitalization Booster: In the event of hospitalization due to a road mishap, this cover offers an additional sum assured which is equal to the amount insured for in-patient hospitalization.

9. Star Senior Citizens Red Carpet Health Insurance Policy

Senior citizens visit hospitals more frequently due to age-related diseases. Red Carpet health insurance plan is especially for the needs of senior citizens in mind. The plan offers comprehensive insurance coverage.

Features and Benefits of Star Senior Citizens Red Carpet Health Insurance Policy

  • Coverage: The plan caters to the senior citizens aged between 60 and 75 years.

  • No medical screening.

  • Pre-existing illness cover.

  • Medical consultation cover.

  • Enhanced sum insured.

  • Daycare procedures.

  • Lifelong renewals.

  • Discounts.

  • Wide network.

  • Hospitalization coverage.

  • Emergency ambulance cover.

  • Post-hospitalization expenses.

  • Hassle-free claim settlement.

10. Universal Sompo Health Insurance

This health insurance policy provides a variety of sum assured choices. For individual health plans as well as family floater plans, it offers sum assured from Rs. 1 lakh to Rs. 10 lakhs.

Plan Options of Universal Sompo Health Insurance

  • Basic plan- It offers a sum insured from Rs. 1 lakh to Rs. 2 lakhs.

  • Essential plan- It offers a sum insured from Rs. 3 lakhs to Rs. 5 lakhs.

  • Privilege plan- It offers a sum insured from Rs. 6 lakhs to Rs. 10 lakhs.

Features and Benefits of Universal Sompo Health Insurance

  • Speedy policy issuance.

  • No medical screening.

  • Entry age: This policy provides insurance cover for 3-month-old babies to 55 years old adults.

  • Cashless facility.

  • Fast and hassle-free claims process.

  • Daycare procedures expense up to 141 procedures.

  • Pre-hospitalization and post-hospitalization expenses for up to 90 days.

  • Domiciliary treatment.

  • Organ donor expenses.

  • Ambulance expenses.

  • Dental treatment in case of an accident.

  • Second opinion once a year.

  • Wellness package: This plan offers vouchers for availing certain health services/products.

  • AYUSH benefit.

  • Daily cash benefit.

  • Vaccination benefit.

  • Mother and child care benefit for 2 deliveries.

  • Pregnancy cover.

  • Pre and post-natal expenses.

  • Newborn care.

  • HIV/AIDS cover.

  • Dial-a-doctor: This policy provides cover expenses for telephonic or online medical advice from doctors.

  • Health educational library for people (help): The plan offers approach to Universal Sompo’s Library for consultants and seeking online medical expertise including various features such as live chat, ask-an-expert, and online health videos and guides.

Exclusions of Universal Sompo Health Insurance

  • 365 days waiting period.

  • Specific Waiting Period- Diseases listed below will be covered after one year of waiting period.

Excluded Diseases of Universal Sompo Health Insurance

  • Non-infective Arthritis.

  • Cataract.

  • Calculus diseases linked with urogenital system and gallbladder.

  • Fissure/fistula in the anus.

  • Pilonidal Sinus.

  • Hemorrhoids.

  • Gout and rheumatism.

  • Polycystic ovarian diseases.

  • Skin tumors.

  • Gastric and duodenal ulcers.

  • Internal tumors.

  • Nodules.

  • Cysts.

  • Polyps.

  • Breast lumps.

  • Age-related osteoarthritis and osteoporosis.

  • Sinusitis and related diseases.

How to Choose the Best Health Insurance Plan?

Health insurance is the most complicated insurance product as it comes with several riders and additional benefits. Comparing is the best policy when you talk about the insurance sector. You should compare the best policies online so that you can buy the best one for you and your loved ones, the ones who are dependent on you.

It is essential to buy the best available policy in the market as it not only provides the most expensive health care cost but also promises a healthy future without worrying about hospital expenses and medical bills to the policyholder and his family.

Before investing in a health insurance plan, one must compare the policies from the best insurance providers and select the one that best suits his needs. Due to several existing health insurance policies in the market and to get relieved from confusion in choosing the best and right policy, have picked up in details about the best health insurance policies in India, which stand superior on parameters such as eligibility, features, coverage, affordability, limits, and exclusions.

Benefits of Choosing the Best Health Insurance Plan

According to many people insurance covers the expenses only in the case of hospitalization, but it’s not true. In addition to financial support at the time of hospitalization, best medical insurance plans in India come with various benefits like:

  • Cashless Treatment
    You can go for cashless treatment at any network hospital. The policyholder just required to complete the paperwork at the hospital and enjoys the facility, as the insurance company will be paying all the bills.

  • Daily Allowance
    Few insurers provides a daily amount for every single day of hospitalization. However, this will not affect the actual sum assured. The amount can be applicable up to a specific daily limit. Also, this can be utilized for medicines or other health-related needs.

  • Tax Saving
    According to Section 80D of the Income Tax Act 1961, the policyholder can claim for tax-free premiums payable for health insurance plans. A person can claim a maximum of Rs. 25,000 on health insurance premium. Also, if the individual pays the insurance premium for his/her old-aged parents, then a claim of up to Rs. 30,000 is acceptable.

  • Life-Threatening Illnesses Covered
    A health insurance plan with critical illness cover pays a fixed amount aginst the expenses post-diagnosis treatments. It is also a rider cover; the policyholder can cover critical illnesses under his/her health plan by paying an additional premium.

  • Allied Benefits
    Many health insurance companies in India offers protective check-ups and increased diagnostics that are generally not covered in the basic health insurance policies, some of them are the following:

    1. Free medical check-ups.

    2. Free health consultation with doctors.

    3. Consultation with nutritionists.

    4. Tie-up with health service providers.

    5. Advantageous offers on healthcare services.

Things to Remember

  • Number of Members to Be Covered:
    Most insurance providers cover up to 4 to 6 family members under a family floater health insurance plan in India.

  • Budget:
    Consider the financial budget of the family, based on you will invest in a health insurance plan that covers all health-related risks.

  • Sum Assured:
    Sum Assured is the amount of financial cover provided under a plan. During health claim settlement, the insurance company reimburses the medical expenses up to a limit known as the Sum Assured. Therefore, it is important to choose this amount wisely.

  • Types of Illnesses Covered:
    The best covers it all! Be wise to choose your health insurance plan as it should cover critical illnesses along with the ones which requires special concern and includes costly treatments. One can go for critical illness rider because not all the insurance companies offer coverage for these illnesses.

  • Claim Settlement Process:
    Claim settlement is a burdensome process for many people due to which they obstruct themselves from investing in a health insurance plan. But nowadays, all insurance providers provide easy, hassle-free claim settlement procedures that make it convenient for the insured.

    Expert Advice: Higher the Claim settlement Ratio (CSR), more are the chances that the company will settle a claim without any hassles.

  • List of Network Hospitals:
    Network hospitals are those which have a tie-up with the health insurance plans. Every insurance company has network hospitals in which policyholders can avail the benefit of their health insurance policy. It is necessary that the network list includes at least a few hospitals that are in your vicinity. It will help you easily access them in an emergency. The network hospitals should include nursing homes, daycare center, and multi-specialty hospitals.

  • Maximum Sum-Limits:
    The more the better! Sub-limit (the maximum amount covered by the insurer) plans by health insurance companies are applicable to room rent or medical expenses.

  • Minimum Waiting Period:
    Less is more! The insured has to serve a pre-defined waiting period to cover pre-existing illnesses. This means the insurer will not entertain any claim due to a pre-existing disease within this period.

    Expert Advice: In most cases, the waiting period ranges from 2 to 3 years. Despite, some companies specify the waiting period to be 4 years also. Reading the policy clauses wisely and going for a plan that offers maximum benefits with a minimum waiting period is always recommended.

  • Co-Payment Facility:
    A standard feature of many health insurance plans, defined as a fixed percentage of each claim amount that has to be paid by the insured for additional services such as doctor visits or prescriptions drugs.

  • Incurred Claim Ratio (ICR):
    It is the ratio of the total amount of all claims received by a company to the total premiums collected in the same duration of time. A high ICR indicates that an insurance company is more likely to accept new customers, more likely to have the less waiting period for pre-existing illnesses, and more likely to issue policies to people with pre-existing illnesses.

  • Addition of New Family Member:
    A new family member is a moment of joy. If you wish to get the new family member added and insured under your health insurance policy, you must also consider the conditions and get into the details of the policy.

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Last updated on 14-11-2019