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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Here's Your Guide for Choosing the Best Health Insurance Plans in India

So you are searching for 'the best health insurance plan to buy in India' on the web, and it has brought you here.

This may seem a little devastating to talk about possible health complications or a medical emergency concerning your family or for yourself. But, you gotta think of investing in one of the most suitable health insurance for you. Why? A good and far-reaching health insurance policy is something that will help you save your money. No matter what kind of medical coverage you need in life, your insurer will bear all the medical expenses such as in-patient, out-patient, pre and post-hospitalisations, OPD, doctor's consultations, drugs and medication charges, and much more. Apart from this, a comprehensive health plan sometimes provides worldwide medical emergency cover, and coverage for critical illnesses, pre-existing diseases, and so on.

Unfortunately, there is a bombardment of information on how to pick the best health insurance on the internet. You need to be careful and not get overwhelmed with any basic plan that has a choice of paying less premium or giving you fewer coverage benefits. A good decision involves you choosing what you might need in life. The same rule applies to buying health insurance, that too when it comes to buying the best health plans among a lot of options already available in the market.

But, you need not worry about how to buy and which plan to buy that serves the best for your medical needs. We've curated this guide specially for you. Read here how can you buy the best health policy, and what are the criteria you must check before investing in a policy. Also, we've added some of the best health insurance plans for you in further sections of this page.

Secure yourself without compromising on the best coverage options for your medical needs, choose your health plan wisely.

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Primarily: Why do you need health insurance?

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.

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.

More than this, you can be assured of all the expenses that may arise due to a medical emergency in your family such as hospitalisation, medication, doctor's consultation, etc.

Best Health Insurance Plans In India

Provided below is the list of Best health insurance plans in India with their key features, eligibility, and Sum insured options.

Read below to make an informed purchase decision:

Sl. No. Plan Name Specifications
Entry Age
Sum Insured
1 Star Comprehensive Maternity cover
Mid-term inclusion
Free health check-up
Age limit: 91 days - 65 years SI: INR 5 L - 1 Cr
2 Star Health Assure Mid-term inclusion
Maternity cover
Assisted reproduction treatment
Age limit: 91 days - 75 years SI: INR 1 L - 1 Cr
3 Niva Bupa Aspire Borderless cover without co-pay
Inflation effective cover
Maternity, newborn cover
Age limit: 91 days - 65 years SI: 3 L - 1 Cr
4 Niva Bupa Reassure 2.0 Modern treatment cover
Annual health check-up
Organ donor expenses
Age limit: 18 - 65 years SI: 5 L - 1 Cr
5 Care Advantage Emergency ambulance
Daycare treatment
Unlimited e-consultation
Age limit: 91 days - No limit SI: INR 25 L - 6 Cr
6 Care Supreme Upto 500% cumulative bonus
Unlimited SI recharge
Unlimited e-consultations
Age limit: 90 days- No limit SI: INR 7 L - 1 Cr
7 ManipalCigna ProHealth Worldwide emergency cover
Hospital cash benefit
Medical inflation protection
Age limit: 91 days - No limit SI: INR 2.5 L - 1 Cr
8 ManipalCigna LifeTime Health Unlimited SI restoration
Premium waiver benefit
Worldwide emergency cover
Age limit: 91 days - 65 years SI: INR 50 L - 3 Cr
9 Aditya Birla Activ Health Platinum Enhance Mental illness hospitalisation
Dental consultations
Expert health coach
Age limit: 91 days - No limit SI: INR 2 L - 2 Cr
10 HDFC ERGO My:Optima Secure Global coverage
Annual aggregate deductible
2X coverage from day 1
Age limit: 91 days - No limit SI: INR 5 L - 2 Cr
11 ICICI Lombard Health AdvantEdge OPD coverage
Covers PED expenses
Additional SI available
Age limit: 18 - 65 years SI: INR 5 L - 3 Cr
12 Niva Bupa CritiCare 20 critical illnesses cover
Wide SI cover
Major illnesses include
Age limit: 18 - 65 years SI: INR 3 L - 2 Cr
13 ManipalCigna ProHealth Prime Advantage Advanced treatment cover
Bariatric surgery cover
Daily hospital cash
Age limit: 91 days - No limit SI: INR 3 Lakhs - 1 Cr
14 SBI Arogya Plus 141 daycare procedures
HIV/AIDS covered
12 advanced treatment
Age limit: 90 days - 65 years SI: INR 1 - 3 Lakhs
15 SBI Arogya Supreme Cover genetic disorders
537 daycare procedures
Bariatric surgery
Age limit: 91 days - 65 years SI: INR 3 L - 1 Cr
What is Entry age?

The age (last birthday) at which you buy an insurance policy is your entry age to that policy. Insurance policies usually come with a minimum and maximum age at entry which means that you must attain a specific age or should be less than the maximum age to buy a policy.

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.

Specifications of the Best Health Insurance Plans in 2024

Here are the synopses of what you can expect from the health insurance plans mentioned in the table above:-

  1. Star Comprehensive Plan

    The policy can cover all your family members under one umbrella, meaning the same amount of sum insured is sufficient for all in your family. Also, it comes with no sub-limits and without any room rent or hospitalisation capping, covering all the inflated healthcare costs as well.

    Unique Benefits

    • No pre-policy medical screening is required.
    • Mid-term inclusions are allowed with this policy.
    • Organ donor's care expenses are covered to an extent of specifications under the policy schedule.

    Add-on Benefits

    • Complimentary health check-ups are available for each claim-free policy year.
    • Accidental cover and total disability due to an accident is covered for the policyholders up to 70 years.
    • With the wellness program of Star Health Insurance, you can avail of huge discounts on overall payable premiums.
  2. 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-on Benefits

    • Buy Back Rider reduces the waiting period for covering PED (pre-existing diseases) to 1 year.
  3. Niva Bupa Aspire Plan

    This newly launched plan of Niva Bupa is a blessing in disguise that covers you with the unique feature of M-iracle, under which you can get extended protection for maternity and newborn expenses. Also, this plan gives you worldwide coverage so it would be a good decision to buy it earlier in your 20s'.

    Unique Benefits

    • Lock the Clock and Lock the Clock+ ensure your premiums remain the same throughout the years you run your policy.
    • You can be future-ready for planning and starting your family, as it covers all the before and after pregnancy needs of your spouse.
    • Borderless facilitation makes sure you are covered every time no matter where you are.
    • The plan comes with 4 different variants- Gold+, Diamond+, Platinum+, and Titanium+.

    Add-on Benefits

    • This plan is self-sufficient for all your medical needs, but there's always more for you. You can buy add-on riders such as Booster+, Safeguard+, etc.
  4. 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 Benefits

    • Available in Bronze, Gold, Bronze+, Titanium+, and Platinum+ variants.
    • Carry forward your unused sum insured up to 10 times the base cover.
    • Fitness discounts of up to 30% on renewal premiums on completing certain tasks.

    Add-on Benefits

    • 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 teleconsultations with general physicians, specialists, and super specialists.
    • Safeguard rider, if opted by the customer, will provide an annual increase in coverage.
  5. Care Advantage Plan

    This plan is known for covering a wide range of basic health conditions like in-patient and out-patient hospitalisations, and so on, with an individual or a family floater policy.

    Unique Benefits

    • Annual health check-up is available.
    • Co-payment waive-off option is also there to avoid any out from your pocket expenditure for medical treatment.
    • The waiting period for any pre-existing diseases can be reduced with this plan to only 24 months.

    Add-on Benefits

    • Daily hospital cash/allowance is available.
    • Room rent modification according to the policyholder's needs is allowed.
    • Air ambulance expenses are covered.
  6. Care Supreme Plan

    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 Benefits

    • 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-on Benefits

    • 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.
  7. ManipalCigna ProHealth Plan

    This plan has 5 different variants that provide coverage under a huge sum insured of INR 1 crore. You can avail of annual health check-ups, and healthy lifestyle benefits among others that are mentioned below.

    Unique Benefits

    • Family discounts are available.
    • Worldwide emergency protection coverage.
    • Up to 200% cumulative bonus.

    Add-on Benefits

    • There's no maximum age limit to buy this plan.
    • You get inflation protection benefits along with rewarding discounts
  8. ManipalCigna LifeTime Health

    The plan comes with Global+ (OPD worldwide, ambulance, travel vaccination, etc are covered), Women+ (specialized for women's healthcare needs), and Health+ (to enhance the coverage of the plan) optional covers that are reliable to cover the policyholders for specified medical requirements of each kind.

    Unique Benefits

    • Restoration of the base sum insured benefit.
    • If you choose the global plan, the same will cover 27 major illnesses to be treated overseas.
    • All kinds of daycare procedures to be treated within India are covered up to the full sum insured of your policy.

    Add-on Benefits

    • Modern-day treatments are covered including robotic surgeries, HIV/AIDS, STD, mental health treatment, and so on.
    • Air ambulance and vaccination to travel globally are also covered.
    • Optional covers for bariatric surgery, non-medical expenses, and domestic second medical opinions are covered.
  9. Aditya Birla Activ Health Platinum Enhanced

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

    Unique Benefits

    • 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-on Benefits

    • Personal Accident Rider protects you against permanent and partial disabilities
    • International coverage for major illnesses on a cashless basis.
    • Critical Illness Rider.
  10. HDFC ERGO My:Optima Secure

    HDFC ERGO My:Optima Secure plan has a wide coverage by multiplying your sum insured value to enhance overall medical support.

    Unique Benefits

    • The sum insured multiplies by up to 200% in just two policy renewals.
    • With the Protect Benefit option of the plan, there are no deductions on non-medical expenses.
    • No sub-limits and no room rent capping on a zone-based treatment.

    Add-on Benefits

    • Organ donor's expenses are covered for accommodation and organ harvesting.
    • Worldwide emergency hospitalisation coverage.
    • E-opinion benefits for 51 critical illnesses listed in the policy schedule.
  11. ICICI Lombard Health AdvantEdge

    There are three variants of the plan- Prime Plus, Royal Plus, and Apex Plus that provide comprehensive coverage for an air ambulance for domestic or international causes, domiciliary treatment, cover for medical conditions you already have, and a convalescence benefit as well.

    Unique Benefits

    • You get wellness points, out of which you can receive OPD consultations, doctor's visits, diagnostic tests, dental care, etc.
    • 24/7 e-consultations are available with this plan..
    • No pre-policy medical check-up is required up to 45 years of age

    Add-on Benefits

    • Provides a lump sum amount for the 20 listed critical illnesses cover or up to INR 50 Lakhs or a 30-day survivor clause.
    • Covers hospitalisation against COVID-19 medical complications.
  12. Niva Bupa CritiCare Plan

    The CritiCare health insurance by Niva Bupa Health Insurance is an essential health plan that you should buy either if you have a family history of critical illness or if you are prone to getting any in future.

    Unique Benefits

    • Lifelong renewability.
    • Daily cash benefit on hospitalisation- accommodation.
    • 20 critical illnesses covered.

    Add-on Benefits

    • Prosthetic implants are covered under the plan.
    • The surgeon's fees are also covered.
    • You save more on each claim made during a policy tenure.
  13. ManipalCigna ProHealth 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 Benefits

    • 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 Benefits

    • 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.
  14. SBI Arogya Plus

    This health plan covers 141 types of daycare procedures and OPD coverage. If the policyholder is unable to move to the hospital for treatment, they can receive a domiciliary hospitalisation cover as well.

    Unique Benefits

    • Nursing expenses are covered under the plan.
    • You can claim coverage for domiciliary hospitalisation.

    Add-on Benefits

    • Internal congenital diseases are covered.
    • You also get coverage benefits for HIV/AIDS.
    • This plan also covers your genetic disorders.
  15. SBI Arogya Supreme

    This plan provides 20 basic covers and up to 8 optional covers with a wide sum insured options, which makes it the best family health insurance plan.

    Unique Benefits

    • Coverage for any mental contradiction that occurred during the policy tenure.
    • In an internal congenital disorder, there'll be coverage up to 25% of the sum insured.
    • Policyholders above 18 years can claim bariatric surgery if prescribed as compulsory.

    Add-on Benefits

    • Advanced procedures for critical illnesses are covered.
    • Get recovery benefits for straight 10 consecutive days.
    • Add-ons for major illness, sum insured enhancement, hospital cash available.

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 Insured5 L to 6 Crores
Policy Tenure1/2/3 Years
Initial Waiting Period 30 Days
Pre-existing Disease Waiting Period2 to 4 years, depending on insurer
Tax BenefitsUnder Section 80 D

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

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 health 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.

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. If an individual has a family history of major illness, it becomes mandatory to invest in a good health insurance plan that could save you from financial distress.
  • 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.

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

Choose your health insurance riders

If you feel your base health insurance is insufficient or does not cover a particular condition, here are some of the health insurance riders for your convenience:-

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

A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.

Unique Features

  • Premium Payment Flexibility
  • Wellness Program
  • Short Waiting Period

Assure Insurance Policy (Pros)

  • Second Medical Opinion
  • Health Check-up Covered
  • 100% Cumulative Bonus
  • Compassionate Travel
  • AYUSH Treatment

Assure Insurance Policy (Cons)

  • 10% Co-pay applicable
  • Deductibles
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Assure Insurance Policy (Other Benefits)

  • In Utero Fetal Surgery
  • Pain Management
  • Rehabilitation Cover
  • Organ Donor Cover
  • Modern Treatment Cover

Assure Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 75 Years
  • SI - 5 L - 2 Cr
  • Waiting Period - 30 Days

This plan is designed for youngsters and allows the policyholder to go overseas for treatments.

Unique Features

  • Exclusive maternity benefits
  • Adoption is included
  • Borderless facilities

Niva Bupa Aspire Plan (Pros)

  • Overseas treatment coverage
  • Booster benefit
  • Covers organ donor transplant
  • Second medical opinion
  • Teleconsultation

Niva Bupa Aspire Plan (Cons)

  • No suicide cover
  • No war injury cover
  • Baby food & utility charges excluded
  • Laundry charges excluded
  • No certificate charges

Niva Bupa Aspire Plan (Other Benefits)

  • 4 unique variants of the plan
  • Cash-bag benefit
  • WellConsult OPD Wallet
  • Cashless claim settlement
  • AYUSH Treatment

Niva Bupa Aspire Plan (Eligibility Criteria)

  • Entry age - 18 years
  • Max entry age - No AgeLimit
  • SI - INR 3L to 1 Cr
  • Waiting Period - 30 days

Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.

Unique Features

  • Booster+ Benefit
  • Lock premiums at entry age
  • Health check-ups from day 1

Health ReAssure 2.0 Plan (Pros)

  • Personal accidents covered
  • Acute Care
  • Emergency Ambulance
  • Three Plan variants
  • Home Care Treatments

Health ReAssure 2.0 Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • Pre-Existing Diseases after 3 yrs.
  • Alcoholism not covered

Health ReAssure 2.0 Plan (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Second Opinion
  • Booster Benefit
  • Shared Accommodation Benefit

Health ReAssure 2.0 Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.

Unique Benefits

  • No bonus claim up to 50%
  • Automatic SI recharge
  • Organ donor cover

Care Advantage (Pros)

  • Automatic Recharge
  • High SI
  • 50% No Claim Bonus
  • Ambulance Cover
  • Optional Cover Available

Care Advantage (Cons)

  • 20% Co-pay
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Advantage (Other Benefits)

  • 5 L Air Ambulance Cover
  • Reduction in PED Waiting period
  • Co-pay Waiver
  • Annual Health Check-up
  • Room rent modification

Care Advantage (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - Lifelong
  • SI - 25 L to 6 Cr
  • Waiting Period - 30 Days

A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.

Unique Features

  • Unlimited E-consultations
  • Unlimited Automatic Restoration
  • Avail Up to 30% Discounts

Care Supreme Plan (Pros)

  • Day Care Treatments
  • No Sub-Limits
  • Emergency Ambulance
  • No-Claim Bonus
  • Organ Donor Cover

Care Supreme Plan (Cons)

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

Care Supreme Plan (Other Benefits)

  • Unlimited Recharge
  • 30% Renewal Discount
  • Unlimited E - Consultation
  • Wellness Benefits
  • Nutrition and Fitness Coaching

Care Supreme Plan (Eligibility Criteria)

  • Entry Age - 90 Days
  • Max Entry Age - No age limit
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

Plan with comprehensive coverage up to INR 3 crores with benefits like OPD cover, global cover, women's care, and continuity benefits.

Unique Features

  • Avail Global OPD
  • Cancer treatment
  • High SI

Manipalcigna Lifetime (Pros)

  • No room rent limit
  • Avail Loyalty discount
  • Global OPD
  • International Second Opinion
  • 27 CI Covered

Manipalcigna Lifetime (Cons)

  • Hazardous Activities not covered
  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities

Manipalcigna Lifetime (Other Benefits)

  • Travel Expenses Benefit
  • Global Second Opinion
  • Critical Illness Cover
  • Women+ Cover
  • Air Ambulance Cover

Manipalcigna Lifetime (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 3 Cr
  • Waiting Period - 30 Days

Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.

Unique Features

  • No room rent capping
  • 100% SI restoration
  • E-opinion for 51 illnesses

Optima Secure Policy (Pros)

  • Secure Benefit
  • Plus Benefit
  • Automatic Restore Benefit
  • No room capping
  • Covid - 19 Cover

Optima Secure Policy (Cons)

  • Adventure Sports Injuries
  • Injuries Out of War
  • Death due to breach of law
  • Congenital Diseases
  • Alcoholism

Optima Secure Policy (Other Benefits)

  • Day Care Treatments
  • Road Ambulance Cover
  • Air Ambulance Cover
  • E-opinion
  • Organ Donor Cover

Optima Secure Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Age Limit
  • SI - 5 L to 2 Cr
  • Waiting Period - 30 Days

A comprehensive plan for you and your family covering

Unique Features

  • Swine Flu Treatment Covered
  • Pre Existing Disease Covered
  • Cumulative Bonus upto 50 %

Health AdvantEdge (Pros)

  • No health check-ups
  • Domestic Air Ambulance
  • 24x7 Customer Support
  • Newborn baby and vaccine cover
  • Health rewards

Health AdvantEdge (Cons)

  • No Non-allopathic Treatments
  • Unproven treatment not covered
  • HIV/AIDS treatments not covered
  • 3-Year Waiting Period
  • Obesity treatment not covered

Health AdvantEdge (Other Benefits)

  • Bariatric surgery cover
  • Maternity Expenses Covered
  • Orthopaedic Expenses Covered
  • Chemotherapy Covered
  • Eye Surgery Covered

Health AdvantEdge (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 2 L to 5 L
  • Waiting Period -30 Days

A comprehensive health insurance plan with SI up to INR 1 Crore and 3 plan variants and features like a wellness program, unlimited tele consultations, and more.

Unique Features

  • 3 Plan Variants
  • Up to 200% Cumulative Bonus
  • Critical Illness Cover

ManipalCigna ProHealth Prime (Pros)

  • Annual Health Check-up
  • Domestic Second Opinion
  • Switch Off Benefit
  • Premium Waiver Benefit
  • OPD Expense Covered

ManipalCigna ProHealth Prime (Cons)

  • Optional Deductibles
  • 10% Co-Payment
  • PED 2-year waiting period
  • Long Waiting Period
  • Long Mental Illness Cover

ManipalCigna ProHealth Prime (Other Benefits)

  • Domiciliary Hospitalization
  • Air Ambulance Cover
  • Cumulative Bonus Booster
  • CI Add on Cover
  • SI Restoration

ProHealth Prime (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Limit
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

A fixed premium plan that offers coverage up to 3 Lakhs and offers protection against the expenses incurred during OPD and hospitalization.

Unique Features

  • Coverage for HIV/AIDS
  • Genetic Disorders covered
  • Internal Congenital Diseases covered

Arogya Plus Plan (Pros)

  • Up to 7.5% discount
  • OPD Cover
  • Maternity Cover
  • Pre & Post Hospitalization
  • 141 Daycare Treatments

Arogya Plus Plan (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Arogya Plus Plan (Other Benefits)

  • Nursing Expenses
  • Domiciliary Hospitalization
  • AYUSH Cover
  • Medicines Cover
  • Tax Benefits

Arogya Plus Plan (Eligibility Criteria)

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

A comprehensive health insurance plan that offers a 15% increase in cumulative bonus for every claim-free year and comes with 8 optional coverage options.

Unique Features

  • Bariatric Surgery cover
  • 573 Day Care procedures covered
  • Domestic Air Ambulance cover

SBI Arogya Supreme (Pros)

  • E - Consultations
  • Sum Insured Refill
  • Air Ambulance
  • Long-term Policy
  • AYUSH Cover

SBI Arogya Supreme (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Arogya Supreme (Other Benefits)

  • Multiple Discounts
  • Annual Health Check-up
  • Mental Health Care
  • Cataract Treatment
  • E-Opinion

SBI Arogya Supreme (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 5 L to 50 L
  • 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

The plan is designed to provide financial protection against critical illnesses, & offers compensation against the loss of income arising out of critical illnesses.

Unique Benefits

  • Lump Sum payout on detection
  • 150% sum assured
  • Short survival period

Activ Secure Critical Illness Plan (Pros)

  • Cover up to 64 CI
  • 3 Plan Variants
  • High SI
  • Short Survival Period
  • Active Health App

Activ Secure Critical Illness Plan (Cons)

  • Illness due to intoxicants
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Secure Critical Illness Plan (Other Benefits)

  • Wellness Coach
  • Second Medical Opinion
  • Cancer Cover
  • Kidney Failure Cover
  • Brain Tumor Cover

Activ Secure Critical Illness Plan (Eligibility Criteria)

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

Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.

Unique Features

  • Daily hospital cash
  • Accident care available
  • Lifelong renewability

NivaBupa CritiCare (Pros)

  • 20 critical illnesses Covered
  • Long-term tenure savings
  • Different pay-out options
  • Tax benefits
  • Direct claim settlement

NivaBupa CritiCare (Cons)

  • Accident Death
  • No Total Disability Cover
  • AIDS Not Covered
  • Child Education Benefit
  • Funeral Expenses

NivaBupa CritiCare (Other Benefits)

  • Flexibility Plan Options
  • Surgeon's Fee Covered
  • Renewal for life
  • Diagnostic Procedures/Therapies
  • Prosthetic Implants Covered

NivaBupa CritiCare (Eligibility Criteria)

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

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

How to buy the best health insurance plans from 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.

This is not a matter of ignorance from now on, as nobody should be allowed to bypass health insurance requirements. Why? There are thousands of health issues and medical complications arising due to a busy and careless lifestyle, a polluted environment, the food that we eat, and much more to count on. Also, nobody wants to lose out on their hard-earned money for a single hospitalisation or any healthcare needs.

Health insurance in such conditions comes into the picture. Fortunately, health insurance can save us and our money from drowning. So, the best thing to do is to look for the best health insurance policy available in India. If you feel, it's a daunting task to find a good health policy in India's insurance sector, we're always here to help you through this.

If you need any further assistance with choosing health insurance that is the best for your healthcare and medical requirements, get connected with us for continued customer support. You can reach out to the expert insurance advisors of PolicyX.com at 1800 4200 269 or just send us a query at helpdesk@policyx.com.

Best Health Insurance Plans FAQs

1. Top 10 health insurance plans in India based on incurred CSR (FYI 2022-23).

Here is a list of the top 10 health insurance plans in India :-

  • Star Comprehensive Plan
  • Star Health Assure Plan
  • Niva Bupa Aspire Plan
  • Niva Bupa Reassure 2.0
  • Care Advantage Plan
  • Care Supreme Plan
  • ManipalCigna ProHealth Plan
  • ManipalCigna LifeTime Health
  • Aditya Birla Activ Health Platinum Enhanced
  • HDFC ERGO My:Optima Secure

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

Having good health insurance ensures you and your family members are covered against all the odds rising due to medical complications and saves you lots of money on healthcare.

4. 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.

5. 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.

6. 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.

7. 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

8. 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.

9. 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.

10. 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.

11. 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.

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

Health insurance companies like Niva Bupa, Star Health, Care Health, ManipalCigna, SBI, Aditya Birla, and several other insurers offer various family health plans for your convenience. Some of them are:

  • Star Comprehensive Plan
  • Care Plan
  • Star Family Health Optima Policy
  • Care Freedom

13. 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.

14. 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.

15. 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'.

16. 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.

17. 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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Nihal

Vadodara

1 days ago

I was looking for a plan that supports me in case of international travels, this is when PolicyX insurance experts suggested me ManipalCigna Pro Health and I am satisfied

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Ashish

Vishakapatnam

1 days ago

I have been a policyholder of the ManipalCigna Pro Health for years now, I am glad PolicyX helped me in finding the health plan

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Rehaan Khan

Ranchi

1 days ago

PolicyX saved me hours of research and provided valuable information about coverage options and claim settlement ratios. Highly recommend this platform to anyone looking for a hassle-free way t...

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Jainab Aslam

Vijayawada

1 days ago

PolicyX impressed me with its ability to suggest plans that fit my specific needs and budget. After answering a few questions, I received a personalized list of relevant insurance options. I ch...

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Ankur Nigam

Cuttack

1 days ago

I appreciated PolicyX& 039;s clear presentation of premium costs. They displayed the breakdown of charges, including any applicable taxes or additional fees, upfront. I had a lot of questions r...

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Shrishti Srivastava

Dehradun

1 days ago

PolicyX made the application process for my Care health insurance plan surprisingly smooth. I could easily initiate the application directly through their platform and track the progress conven...

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Dil Walia

Kolkata

1 days ago

I started looking for a health insurance policy when I turned 18 years old. Then I got to know about PolicyX.com. They helped me choose the right policy as an individual. They suggested me with...

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Akshay

Mysore

1 days ago

PolicyX introduced me to ManipalCigna Pro Health which suits my travel needs. Their Switch off benefit in the plan allows me to pause my coverage for 30 days. Thank you PolicyX

Simran Nirala

Written By: Simran Nirala

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.