Best Health Insurance Plans in India

30 days waiting period.

Pre-existing illnesses for 3 years waiting period.

Disease-specific waiting period for 2 years waiting period.

HIV/AIDS.

Drugs-induced illnesses or injuries.

Incurred expense during pregnancy.

Dental treatment expenses.

External aids.

Personal comfort goods.

Unauthorized treatment.

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 case of in-patient hospitalization for a minimum time period of 24 hours, the plan covers incurred room rent, nursing expenses, intensive care unit expenses, doctor's fee, surgeon's fee, anesthesia charges, blood charges, oxygen charges, operation theatre expenses, etc.

Daycare treatment: The plan covers incurred medical expenses for 540 plus covered daycare procedures if the insured undergoes a covered daycare treatment that doesn’t need hospitalization for a time period of more than 24 hours.

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.

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.

Domiciliary hospitalization exceeding 3 consecutive days.

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.

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: This benefit offers an amount equal to the base sum insured as an additional amount for a subsequent 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: Optionally, this plan offers a lump-sum payout of Rs. 4,000 (or as per the variant opted) on a daily basis as daily cash benefit if an insured is hospitalized for a minimum duration of 2 days. The benefit can be availed for up to 30 days.

Tax benefit.

Lifetime renewal benefits.

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

Organ transplant cover.

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: The plan covers first-year vaccinations expenses of the newborn baby (if applicable).

Medical check-up.

Critical illness expert opinion.

Waiver of senior citizen mandatory co-payment: The plan comes with an alternative to eradicate mandatory co-payment applicable to an insured person aged 65 years and above by paying an additional premium.

Tax benefit.

Easy cancellation.

Maternity coverage.

First year vaccination of the newborn.

Waiting period or 30 days.

Survival Period- During the first 90 days from the commencement of policy, no critical illness-related claims can be filed.

2 Years waiting period.

HIV/AIDS.

Genetic disorders.

Mental disorders.

Drug abuse or suicide.

Childbirth/pregnancy.

Pre-existing illnesses.

Tax benefit.

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 plan offers treatment coverage for ayurveda, unani, siddha, and homeopathy as per the sum insured.

Maternity benefit.

Domiciliary treatment expenses.

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

Additional discounts.

30 days waiting period.

Specific diseases: Surgical procedures for specific 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.

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 plan offers in-patient coverage for alternative 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.

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 related to hospitalization for investigative or observational purpose.

Treatment expenses related to self-inflicted Injuries.

Treatment expenses related to sexual problems, dysfunctions, and gender-related problems.

Sum insured reload benefit: The plan offers a sum insured reload in case the sum insured and No Claim Bonus/Super No Claim Bonus (if applicable) is exhausted/insufficient due to claims filed earlier. As per this cover, an insured gets up to 150 percent additional sum insured (Rs. 50 lakhs at highest) for hospitalization due to an unrelated illness.

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: the plan provides covers personalized coaching by a health professional who will guide the insured person in case he/she is suffering from hypertension, hyperlipidemia, asthma, diabetes mellitus etc.

Decrease in pre-existing diseases waiting period.

Accidental hospitalization booster: optionally, in case of hospitalization due to a road mishap, this cover provides additional amount insured equal to the amount insured for in-patient hospitalization.

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.

Lifelong renewals.

Discounts.

Hospitalization coverage.

Emergency ambulance cover.

Post-hospitalization expenses.

Daycare procedures.

Hassle-free claim settlement.

Wide network.

Speedy policy issuance.

No medical screening.

Entry age: The plan offers insurance coverage 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 plan covers expenses incurred in availing medical advice from a doctor over the telephone or online.

Health educational library for people (help): This plan provides access to universal sompo’s library for people and online medical experts for availing various features such as live chat, ask-an-expert, and online health videos and guides.

Non-infective Arthritis.

Cataract.

Calculus diseases related to a 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.