Best Health Insurance Plans

Best health insurance plans offer inclusive health coverage for your every need like cashless treatments, free health checkups, tax savings, etc. If you are looking to buy the best health insurance plan in India, take a look at their offerings closely. It must include features like reputed network hospitals, affordable premiums, discounts & rewards, cashless treatment, claim and customer support, among others.

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Best Health Insurance Plans In India 2024

Which is the best health insurance plan in India? A common question customers ask insurance experts at PolicyX. The best health insurance in India is the one that fits the bill, quite literally for you and your family.

Your health plan should provide hassle-free financial backing when the need arises. Consider this checklist as your guide to determine if you are investing in the right plan

  • Adequate Sum Insured
  • Network Hospitals for cashless treatments
  • Number of Family Members you can cover
  • Add-on or Riders available, if any
  • Discounts and Rewards
  • Co-pay or deductibles, if any
  • Reviews and Ratings
  • Claim Assistance and Customer Support
  • Affordable Premiums

Scroll down further to find out the best health insurance policy for you.

S. No.

Plan Name

Why We Like It?

Sum Insured

#1 SBI Health Edge Unlimited Refill
Wellness Benefit
Stay Fit Health Check-up
SI - 3 to 25 L
#2 HDFC My: Optima Secure 4X Coverage
Multiple Discounts
Restore Benefit
SI - 5 L to 2 Crore
#3 Star Family Health Optima Insurance Plan 100% Automatic Restoration
Organ Donor Cover
Assisted Reproduction Treatment
SI - 3 to 25 L
#4 Care Advantage Emergency Ambulance
Daycare Treatment
Unlimited E-consultation
SI - 25 L to 6 Crore
#5 ICICI Health AdvantEdge OPD Coverage
Covers PED
Additional SI
SI - 5 L to 3 Crore
#6 Star Health Premier Insurance Policy Cataract Treatment Cover
10% Health Check- Up Discount
100% Cumulative Bonus
SI - 10 L to 1 Cr
#7 TATA AIG Medicare Premier Wellness Services
Compassionate Travel
Home Care Treatment
SI - 5 L - 3 Crore
#8 Future Generali Health Super Saver Plan 10% Discount for Family Members
80% No Claim Bonus
100% Medical Reimbursement
SI - 3 L to 50 L
#9 Royal 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
#10 Zuno Health Insurance Newborn Cover
50% No Claim Bonus
5000+ Network Hospitals
SI - 5 L to 1 Cr
#11 Oriental 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
#12 ICICI 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
#13 Care Cancer Mediclaim Chemo & Radio Therapy
Organ Donor Cover
Annual Health Check-up
SI - 10 L to 2 Cr
#14 Niva Bupa Health ReAssure 2.0 Plan Lock the Clock Benefit
Reassure Forever
Unlimited e-opinion
SI - 5 L to 1 Cr
#15 Bajaj Allianz Global Personal Guard Death & Injury Cover
Children Education Benefit
Coma Cover
SI - 1 L - 25 Crore
What is Sum Insured?

Sum insured is the maximum monetary coverage that a health insurance policy provides you. You should decide your sum insured based on the cost of medical treatments, your health, income, and lifestyle habits.

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Why Do You Need The Best Health Insurance Policy?

Once you tick off all the boxes from the checklist provided above you might think 'Is it really important to purchase the best health insurance policy?

Let us answer that for you, YES!

According to 'Health Report of Corporate India 2023' a report published by Insurtech company PLUM, over 71% of Indians pay medical bills out-of-pocket. With medical inflation rates reaching as high as 14%, annual medical expenditures can be INR 50,000.

In conclusion, it is important for everyone, including those covered by their employers. Health insurance provides emergency coverage and helps you with better financial planning and tax savings under section 80D of the Income Tax Act, of 1961.

How To Choose The Best Health Insurance Plans In India?

Indian approach towards healthcare is reactive and not preventive. Most Indians do not visit doctors regularly to keep a tab on their health.

Health consciousness may improve with age, however, early detection of major ailments is often missed leading to hefty medical bills and prolonged illnesses.

Before investing in the health insurance plan, keep an eye out for these useful factors when selecting the best health insurance policy in India for yourself or your family.

  1. Claim Settlement Assistance

    Claim settlement is a crucial part of your health insurance purchase journey as it is the final step in the insurance cycle. The best health insurance plans in India are those that settle claims quickly at the time of hospitalization. Checking the claim settlement ratio of your insurer is a necessary step as a high CSR indicates reliability and trust.

  2. Sum Insured Amount

    Opting for a sum insured of INR 2 Crore is unnecessary when your health care needs can be covered with a sum insured of INR 50 L. Opt for an adequate sum insured by evaluating factors like liabilities, income, dependent family members, and need for add-on covers/riders.

  3. Network Hospitals Available

    Having access to world-class medical infrastructure and the best team of doctors is a non-negotiable for each one of us. The whole purpose of purchasing the best health insurance in India for yourself revolves around it.

    Carefully consider the list of network hospitals your health insurer provides as it can be the answer to all your woes.

  4. Additional Discounts and Rewards

    Getting rewards or discounts on any purchase is a joyous occasion for Indians! Insurance may be a serious industry but the satisfaction of rewards and discounts is collectively acknowledged by health insurers.

    • Cumulative bonuses on renewal premiums
    • Long-term policy discounts
    • Good health discounts
    • Online purchase discounts
    • Fitness and Wellness rewards, etc.

    when purchasing the best health insurance for yourself.

  5. Lifelong Renewal

    What if we told you that you are eligible for a lifetime supply of your favourite snack? Lifelong renewals are something similar.

    Check whether your health insurance plan offers lifelong renewability to enjoy continued healthcare coverage along with rewards and loyalty benefits.

  6. Add-Ons and Riders

    The best medical insurance in India for you is the truly customizable one. As a buyer, you must investigate all the available riders or add-ons that come along with your health plan.

    Riders or add-ons like critical illness, hospital cash, global coverage, and waiver of waiting period are a few available at your disposal. Select the ones you need at minimal additional premiums.

  7. Minimal Waiting Period

    Waiting periods vary between 24 to 48 months. This is the time duration you have to serve before your health plan can cover you for Pre-existing Diseases (PEDs) or certain listed ailments.

    Understand the waiting period clause when investing in the best health insurance as it should align with your medical needs.

Health Insurance Plan Eligibility

Before we read more about the best health insurance plans in India, let us understand the standard eligibility criteria of the best health insurance plans.

Entry Age Minimum: 18 Years
Children: Day 1 to 25 Years
Maximum: 65 to 70 Years
Some plans offer lifelong renewability
Sum Insured 5 L to 6 Crores
Policy Tenure 1/2/3 Years
Initial Waiting Period 30 Days
Pre-existing Disease Waiting Period 2 to 4 years, depending on insurer
Tax Benefits Under Section 80 D

Best Health Insurance Plans In India

Provided below is the list of the 5 best health insurance plans in India with their key features, eligibility, and premium charts.

Read below to make an informed purchase decision.

  1. Niva Bupa Reassure 2.0

    A best-seller for Niva Bupa, Reassure 2.0 is a versatile individual and family health plan. You can avail of a sum insured up to INR 1 Crore.

    Unique Features

    • Available in bronze, gold, bronze+, titanium+, and platinum+ variants
    • Carry forward your unused sum insured up to 10 times of base cover
    • Fitness discounts up to 30% on renewal premiums on completing certain tasks

    Add-Ons and Riders

    • Disease Management offers diabetes and hypertension coverage as well as up to 20% discount on renewals.
    • The acute care add-on benefit will offer you unlimited teleconsultation with general physicians, specialists, and super specialists
    • Safeguard rider if opted by the customer, will provide an annual increase in coverage.

    Premium Chart

    Sum Insured (In Rs.) 10 L 20 L 30 L 40 L 50 L
    Premium (In Rs.) 855 1,037 1,187 1,187 1,412

    *Premium calculated for 2-year policy tenure for a 30-year-old man with monthly premium payment frequency*

  2. Care Supreme

    Counted among the best health insurance plans in India, the plan comes with varied sum insured options between INR 7 L to 1 Crore, a high no-claim bonus, and a good health discount.

    Unique Features

    • Cumulative bonus available up to 500% of the sum insured on claim-free years
    • Unlimited automatic recharge benefit is available for continued coverage
    • Discount Connect feature provides unlimited e-consultations and discounts on diagnostics, pharmacy, and consultations

    Add-Ons and Riders

    • Wellness Benefit add-on cover offers up to a 30% discount on renewal premiums for achieving health goals
    • Claim Shield + offers coverage for non-payable items
    • Instant Cover offers coverage against pre-existing conditions such as diabetes, hypertension, asthma, and hyperlipidemia.

    Premium Chart

    Sum Insured (In Rs.) 7 L 10 L 15 L 50 L 1 Cr
    Premium (In Rs.) 18,430 20,391 24,236 32,131 40,462

    *Premium calculated for 2-year policy tenure for a 30-year-old man with annual premium payment frequency*

  3. Star Health Assure Plan

    Maternity cover, Home care treatments, and Assisted Reproductive Treatments are some of the many features of the Star Health Assure Plan.

    Unique Benefits

    • Up to 100% Automatic restoration is available for insurance holders under the plan
    • Chronic Severe Refractory Asthma cover is available for a maximum of INR 5 L per policy period.
    • Insurance holders are covered against accidental death and permanent total disablement

    Add-ons and Riders

    Buy Back Rider reduces the waiting period for covering PED (pre-existing diseases) to 1 year

    Premium Chart

    Sum Insured (In Rs.) 10 L 15 L 25 L 75 L 1 Cr
    Premium (In Rs.) 11,467 14,426 18,013 21,506 23,016

    *Premium calculated for 2-year policy tenure for a 30-year-old man with annual premium payment frequency*

  4. Aditya Birla Activ Health Platinum Enhance

    With a claim settlement ratio of 99.41% Aditya Birla Health Platinum Enhance is a reliable and holistic health plan.

    Unique Features

    • Modern and advanced technology treatments like robotic surgeries, oral chemotherapy, etc. are covered
    • Double your sum insured in just 2 years wherein you can earn a 50% No-Claim Bonus for every claim-free year up to a maximum of 100% of SI (up to a maximum of 1 Cr).
    • Premium waiver on diagnosis of critical illness.

    Add-Ons And Riders

    • Personal Accident Rider protects you against permanent and partial disabilities
    • International coverage for major illnesses on a cashless basis
    • Critical Illness Rider

    Premium Chart

    Sum Insured (In Rs.) 10 L 20 L 40 L 50 L 2 Cr
    Premium (In Rs.) 867 1,139 1,538 1,676 1,973

    *Premium calculated for 2-year policy tenure for a 30-year-old man with monthly premium payment frequency*

  5. ManipalCigna Prime Advantage

    Adequate sum insured for you and your family, ManipalCigna Prima Advantage has in-built features like OPD care, switch-off benefit, etc. Read below to gain more insights on the same.

    Unique Features

    • Air ambulance cover is available up to a maximum of INR 10 Lakhs during the policy tenure
    • Waive off the next one-year renewal policy premiums if diagnosed with any of the listed conditions (call our experts to know more) as per the policy schedule
    • Switch off your insurance coverage after 1 year for a maximum period of 30 days and get a discount on the premium during subsequent renewal.

    Add-On Covers and Riders

    • ManipalCigna Critical Illness add-on cover
    • Cumulative Bonus Booster is available for sum insured options over INR 5 Lakhs and above wherein you get up to 200% of SI.
    • Infertility Treatment optional add-on cover with a waiting period of 36 months.

    Premium Chart

    Sum Insured (In Rs.) 20L 30 L 40 L 50 L 1 Cr
    Premium (In Rs.) 1,137 1,260 1,359 1,653 1,835

    *Premium calculated for 2-year policy tenure for a 30-year-old man with monthly premium payment frequency*

Ideal Time To Invest In The Best Health Insurance?

One question we find asking ourselves often is the ideal age at which we should invest in a health plan. Here are 5 reasons you must invest in a health insurance plan in your early 20's

  • Lower Premiums - Age is a key factor in deciding health insurance premiums
  • Good Health Discounts - Being diagnosed with illnesses in your early 20s has a lesser probability than in your 40s giving you a higher chance of gaining good health discounts
  • No Pre- Policy Check-Up Required - Most health plans require you to undergo a pre-policy medical check-up after the age of 45 years
  • Low Rejection Rates - The chances of claims rejections for younger individuals with good health conditions are minimal
  • Higher No- Claim Bonus

Benefits of Investing in the Best Health Insurance Plan in India

Investing in the best medical insurance saves you against hefty medical bills in the long run and we all know that. But there are other benefits you can avail of:

  • Saves You Money In The Long Run With a consistent rise in healthcare costs, investing in a health plan for yourself is essential. The best medical insurance is the one that offers comprehensive coverage, protecting your savings in the long run.
  • Value-Added Advantages Health insurers apply additional perks and incentives to keep you motivated like:
    • Wellness points earned by you are awarded as premium renewal discounts
    • A good health discount is offered at the time of policy purchase
    • Females are offered premium discounts at the time of policy purchase
    • Cumulative Bonuses for every claim-free year
    • Cumulative bonuses depending on the health insurance plan you purchase for every claim-free year
  • Peace Of Mind (New Content) You do not have to break the bank in case of a planned or emergency hospitalization with the best medical insurance in hand. This offers a sense of security and peace for you and your family.
  • Coverage Against Major Ailments The majority of your life savings are drained out in treating major illnesses if you are diagnosed with one. Treatments for cancer of specific organs can go up to INR 20L or more.
    If you have a family history of any major illness it is advised to invest in the best health insurance plan in India.
    This not only provides financial resources but also offers your family members confidence to sail through difficult times.
  • Better Financial Planning The best health insurance plans are essential financial planning tools. You are entitled to tax benefits under section 80D of the Income Tax Act of 1961.
    By investing smartly in a health plan you not only secure yourself but also can create a robust financial plan.

Best Medical Insurance Riders

Riders are additional covers enhancing your overall healthcare coverage. Carefully consider available riders when purchasing the best health insurance plan for yourself.

Health Insurance Riders Benefits
Personal Accident Rider A lump sum amount is offered if the insured suffers from partial/total disability due to an accident.
Critical Illness Rider Covers you against listed critical illnesses such as cancer, heart ailments, etc.
Daily Hospital Cash Rider Avail of hospital cash daily up to specified limits if you are hospitalised.
Reduction In Waiting Period Rider Avail of a reduced waiting period for listed PEDs as specified by the insurer.
OPD Rider Covers you against expenses like doctor's consultation fees, X-rays, diagnostic tests, etc.
PED Coverage From Day 1 Rider PEDs like diabetes, hypertension, and asthma are covered from day 1.

Types of Best Health Insurance Plans

If you plan to buy a health plan but do not understand the options available, worry not. There is a health plan for everyone in the market.

Health Insurance Type What Does It Cover?
Individual Health Insurance Avail coverage for all healthcare expenses for a single individual with these types of plans.
Family Floater Health Insurance Covers up to 15 or more family members under a single sum insured allocated.
Critical Illness Insurance Sum insured allocated to combat expensive treatments for major ailments such as cancer, heart problems, etc.
Top Up Health Insurance Provides additional coverage on top of your base health plan
Senior Citizen Health Insurance Offers coverage against medical care expenses to individuals who are over the age of 60 years
Group Health Insurance Employee-centric health plans offered by your employer.

Best Health Insurance Plan for Individuals and Families

Selecting effective health plans has never been easier. Explore the best individual and family health insurance plans by browsing below

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

Opt for health plans that provide comprehensive coverage and ensure a hassle-free and smooth medical care experience. Find the perfect fit for the second innings of your life.

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

The last thing on your mind should be financial stress when combating major illnesses like cancer, heart ailments, etc. Avail critical illness ailments care with these health plans.

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

Invest in top-ups and super top-ups for enhanced coverage. Ideal for those who do not want to spend extra on health premiums when they are covered by their employers.

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

Health Insurer Network Hospitals

Purchase The Best Health Insurance Plan In India on PolicyX

Follow these simple steps in order to purchase the best health insurance plans in India

  • Step 1

    Visit the official website of PolicyX.

  • Step 2

    Click on the 'Health Insurance' tab which will open up a digital form for you to fill out.

  • Step 3

    Fill in all the necessary details such as the number of family members you want health insurance cover for and your age and click on 'View Plans'.

  • Step 4

    Select your city and click on 'Proceed'.

  • Step 5

    Further, fill in your name and mobile number and click on 'Get Free Quotes'.

  • Step 6

    You will be directed toward a list of health insurance plans wherein you can compare the plans of your choice and pay for the one you want as per your needs and requirements.

Wrapping It Up

Searching for the best health insurance plans in India can be overwhelming, right? Questions like, "When is the ideal time to purchase health insurance?", "How to choose a health plan?" - Only adds to further confusion.

At PolicyX, we have answered all your queries making it easier for you to make a purchase decision. Refer to our checklist to understand important aspects to look for when purchasing the best medical insurance.

From discussing insurance trends to highlighting some of the best health insurance plans in India, we have done it all at PolicyX. Contact us at 1800-4200-269 if you want further guidance.

Best Health Insurance Plans FAQs

1. Top 5 health insurance plans in India based on claim settlement ratio.

The following are the top 5 health insurance plans in India based on the latest claim settlement ratio (CSR) for the year 2021-22:

  • SBI Health Edge
  • HDFC My: Optima Secure
  • Star Family Health Optima Insurance Plan
  • Care Advantage
  • ICICI Health AdvantEdge

2. How to select the best health insurance plan in India?

There are certain factors to keep in mind when opting for the best health insurance plans for yourself and your family that are provided below:

  • Research coverage benefits.
  • Claim Settlement Ratio of the insurance provider.
  • Find out the riders and add-on covers provided by the health insurance plan.
  • Research the list of network hospitals available in your area.
  • Sum insured options available.
  • Understand how customizable the health insurance plan is.

3. Which is the best health insurance plan in India in 2024?

If you are searching for the best health insurance plan in India 2024, it is best to compare the various health insurance plans and their features at PolicyX before making a purchase decision. There are various types of medical insurance policies that cater to different purposes such as:

  • Critical Illness health insurance for major ailments like cancer, heart attacks, brain tumors, lung infections, and more.
  • Senior citizen health insurance for illnesses and regular check-up facilities for individuals over the age of 60 years.
  • Personal accident health insurance plans if you are in a profession where you have a field job, or are required to travel.

Identify your healthcare needs before purchasing the best medical insurance policy for yourself.

4. Why should I purchase the best health insurance plan in India from PolicyX?

Our health insurance experts are there with you at every step of the way providing you a seamless health insurance purchase experience from start to the end.

5. What is the maximum entry age for purchasing the best health insurance plan in India?

Health Insurance plans usually have entry age criteria from 18 years to 60/70 years. However, there are multiple health insurance plans that offer lifetime renewability which means you are eligible to renew your health insurance plan for as long as you want to.

6. What are the best cashless health insurance plans in India?

All medical insurance policies in India offer cashless treatments across the country. In case you are not sure of the cashless network hospitals provided by your health insurance provider, you can visit the website and check the best hospitals available around your area.

7. What are the tax benefits available under the best health insurance plan?

Insurance holders are entitled to tax benefits under section 80D on the purchase of any of the best health insurance plans in India. Customers can save up to INR 1.5 Lakhs by investing in the best medical insurance.

8. Which riders are available with the best health insurance plans?

There are multiple riders available with different health insurance plans. Riders and add-on covers vary from insurer to insurer. However, some of the common health insurance riders that customers can opt for are:

  • Critical Illness Rider
  • Personal Accident Rider
  • Hospital Cash Rider
  • International Cover Rider
  • Waiver Of Premium Rider

9. Can I port my health insurance plan from one insurer to another?

Yes, you can port the best health insurance plan from one insurer to another. PolicyX provides its customers with complete assistance regarding the policy portal.

10. How will investing in the best health insurance plan benefit me?

Investing in the best health insurance plan will benefit you in many ways as it not only protects your hard-earned savings but also provides you with the peace of mind that you and your loved ones are protected from medical conditions.

11. Can I cover more than 4 individuals under the best health insurance plans?

Depending on the health insurance plan you purchased, the family floater option can cover up to 15 family members depending from insurer to insurer.

12. 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.

13. 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.

14. 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 .

15. 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.

16. 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.

17. 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'.

18. 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.

19. 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.

20. 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.

Health Insurance Companies

Compare health insurance plans from different companies.

What Our Customers Have to Say

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Varsha Motwani

Belgaum

February 28, 2024

What I felt is, that the customer care department of PolicyX is well-informed about any policy. I had lots of questions regarding ManipalCigna health insurance and they answered it all without ...

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Suman Sharma

Mysore

February 28, 2024

PolicyX helped me get a perfect health insurance plan for my parents. I am so satisfied and relaxed now to get a Care Health Insurance Policy.

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Arpan Singh

Mumbai

February 28, 2024

Star health insurance diabetes safe insurance is a lifesaver as it provides my parents with all the important medical care required to keep them healthy. Thanks to PolicyX for suggesting the pl...

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Yatharth Gupta

Hyderabad

February 28, 2024

When I needed help with my reimbursement claim, the PolicyX team helped me a lot for which I would like to appreciate them a lot. Good job guys!

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Madhur Mathur

Agra

February 28, 2024

Me and my wife were planning a baby, and wanted to secure our whole family. PolicyX suggested me Niva Bupa Aspire plan. I am so happy to get the best maternity plan.

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Arjun Palta

Delhi

February 28, 2024

I connected to the team member of PolicyX when I was looking for the best health insurance policy. They helped me buying ICICI Lombard health insurance plan for my family. They made it easier f...

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Shefali Shah

Pune

February 28, 2024

I was having trouble with the claim settlement process, but PolicyX stepped in and helped me settle my Aditya Birla Health Insurance claim ASAP.

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Ritika

Pune

February 26, 2024

I bought the Star comprehensive plan with affordable premiums by comparing health plans on PolicyX and I am really satisfied with my purchase

Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.