Best Health Insurance Plans
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Best Health Insurance Plans

Best medical insurance plans take care of your health and wealth at the same time. Top mediclaim policies get you all-covered for major costs of expensive healthcare treatment. Many medical insurance policies are available in India but the most crucial part is to select the one that best suits your needs. Adequate sum insured, affordability, financial support for sky-rocketing treatment expenses, add-on benefits, flexible claim process, reliable insurance provider - altogether make the best health insurance.

Find Best Health Insurance in India

PolicyX aims at making it easier for you to choose the best health insurance in India that meets the healthcare needs of individuals and families. We have compiled the top medical plans of 2021 with their respective key features in the table below:

Best Individual & Family Floater Plans

S. No.PlansSample Annual Premium
2A | 30Yr | 5L
#1Star Health Comprehensive Plan (5 Lakhs to 1 Crore)INR 10,420 Daycare Procedures
Domiciliary Hospitalization
AYUSH Treatment
#2Star Family Health Optima (3 Lakhs to 25 lakhs)INR 11,150 Installment facility for premium payments
Daycare Procedures
Domiciliary Hospitalization
#3Care Plan(5 Lakhs to 6 Crore)INR 11,593 541 Daycare Treatment
Auto recharge of Sum Insured
Maternity Covered
#4Care Freedom(3 Lakhs to 10 Lakhs)INR 12,346 Dialysis Cover
ICU Expense
Breakage of Bone Treatment
#5Niva BUPA Health Reassure(3 Lakhs to 1 Crore)INR 11,409 Organ Transplant
Domiciliary Hospitalization
Hospital Daily Cash
#6Niva BUPA Health Companion(2 Lakh to 1 Crore)INR 11,009 Daycare Treatment Covered
Pre and Post Hospitalization
Domiciliary Hospitalization
#7HDFC ERGO Optima Restore(3 Lakhs to 50 Lakhs)INR 15,065 No Claim Bonus
Restoration benefits
Domiciliary Hospitalization
#8ICICI Lombard Complete Health Insurance(3 Lakhs to 50 Lakhs)INR 13,672 24x7 Customer Support
Personal Accident Cover
Coverage for Newborn
#9Aditya Birla Activ Health Enhance(2 Lakhs to 2 Crores)INR 11,944 Road Ambulance Cover
Domiciliary Hospitalization
Obesity Treatment
#10ManipalCigna Prohealth Plus(2.5 Lakhs to 1 Crore)INR 8,679* AYUSH Cover
Ambulance Cover

*Premium amount for 5.5 Lakhs of Sum Insured

Best Senior Citizen Plans

S. No.PlansSample Annual Premium
2 Adult | 65 yrs | 10 Lakhs
#1Care Senior (3 Lakhs to 5 Lakhs)INR 41,265 No-pre-Medical Checkups
ICU Charges
Domiciliary Hospitalization
#2Star Health Senior Citizen Red Carpet (1 Lakh to 25 Lakhs)INR 45,135 Daycare Procedure
Emergency Ambulance Cover
ICU Charges Covered
#3HDFC ERGO My Health Suraksha (5 Lakhs to 75 Lakhs)INR 62,496 Free Preventive Health Checkups
Cashless Home Care Treatment
No Age Restriction

Best Critical Illness Plans

S. No.PlansSample Annual Premium
1 Adult | 30 yrs | 5 Lakhs
#1HDFC ERGO Critical Illness Insurance (5 Lakhs to 10 Lakhs)INR 2,065 Covers up to 15 critical illnesses
Sum insured paid in a single transaction
Lifetime renewability
#2Star Criticare Plus Insurance (2 Lakhs to 10 Lakhs)INR 9,912 Covers 9 specified critical illnesses
Covers non-allopathic treatment
Lifelong renewability
#3Aditya Birla Cancer Secure Insurance (5 Lakhs to 1 Crore)INR 1,558 Protection for all 3 stages of cancer
7-days short survival period
Option for second E-opinion

Best Top-up Plans

S. No.PlansSample Annual Premium
1 Adult | 30 yrs | 10 Lakhs
#1Star Health Super Surplus Insurance (5 Lakhs to 1 Crore)INR 2,526 Can be availed on an Individual & Family floater basis
Covers organ donor expenses
Covers air ambulance charges
3 Lakhs
#2Niva BUPA Health Recharge (7.5 Lakhs to 95 Lakhs)INR 1,605 E-Consultation
Coverage for Emergency Ambulance upto 1.5K per Hospitalization
AYUSH Treatment
3 Lakhs
#3ManipalCigna Super Top-up Plan (3 Lakhs to 30 Lakhs)INR 1,770 Daycare Treatment
Ambulance Cover
Cumulative Bonus
3.5 Lakhs

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

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

Top Plans for Individuals & Families

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

Unique Features

  • Health Checkup for Claim-Free Years.
  • Hospital Cash Benefit
  • 100% Automatic Restoration

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

A comprehensive health plan for individuals and families, offering a wide range of sum insured options ranging from 3 Lakhs to 6 Crores along with global coverage benefit.

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

A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakhs to 1 crore) and keeps giving you more benefits.

Unique Features

  • Covers up to 6 members
  • Unlimited SI restoration
  • Coverage for modern treatment

Protect your entire family with smart features that provide you with everything you need under a health insurance plan.

Unique Features

  • No room rent capping
  • 20% increase in SI as no-claim bonus
  • 100% SI restoration

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

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

Manipal Cigna Pro Health Plus

This plan is a comprehensive health insurance solution for your illness as well as wellness.

Unique Features

  • Worldwide Emergency Cover
  • Restoration of Sum Insured
  • Cumulative Bonus for No Claims

Top Plans for Senior Citizens

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

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

Offers 360-degrees protection to individuals & families along with utmost flexibility by providing multiple SI options (3-75l), EMI facilities, and lifelong entry option.

Unique Features

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

Top Plans for Critical Illness

HDFC ERGO Critical Illness Policy

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

Star Criticare Plus Insurance Policy

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 for Medicine and drugs cost

Aditya Birla Cancer Secure Insurance

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

Popular Top-up Plans

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

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

Offers enhanced coverage when the existing sum insured of the policyholder is exhausted or the claim has not been settled.

Unique Features

  • AYUSH Treatment
  • Pre and Post Hospitalization
  • Coverage up to full sum insured

How to Choose the Best Health Insurance Policy in India?

Before you decide on purchasing the best medical insurance for yourself, consider the factors given below to make an informed decision.

  • Choose adequate sum insured Ensure your sum insured is enough to cover hospitalisation expenses more than once. Choose the sum insured amount based on the number of members included in the policy and their residing location.
  • Set your budget for premium Can’t afford a high insurance premium? Co-pay your medical bills, which means you will have to share the healthcare cost with your insurance provider for settling the treatment charges.
  • Extensive network hospitals A vast number of network hospitals is a must for any mediclaim policy to be the best. Network hospitals help the insured to avail of cashless treatment in either case of emergency or pre-planned treatment.
  • No-sub limits help Go for a medical plan that does not imply sub-limits on room rent as it is a major component of hospital bills during hospitalisation. Health insurance without sub-limits allows you to select the room at your convenience.
  • Waiting period Pick medical insurance with lower waiting periods for pre-existing diseases and add-on benefits as these are not covered before the completion of a waiting period.
  • Reliable insurance provider Buy a medical plan from the health insurance company with a good claim settlement ratio, annual premium, and market reputation. Besides, check for the insurance provider that offers the flexibility of changing sum insured, easy claim settlement process, and lifetime renewability.
  • Compare your health plan Click. Compare. Choose.
    Many insurance web aggregators allow customers to compare multiple health insurance plans within a few seconds. Compare health insurance premiums, features, benefits, network hospitals, etc. of as many plans as you want and make an informed decision.

How much Coverage do I Need?

Determine the adequate amount of coverage for yourself and your loved ones on the basis of:

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

Based on age and city of the treatment, we have recommended the minimum cover required below:

Health Insurance Coverage (Metro)

MetroAbove 3510 Lacs
MetroBelow 355 lacs

Health Insurance Coverage (Non - Metro)

Non - MetroAbove 357.5 Lacs
Non - MetroBelow 355 lacs
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Benefits of having the Best Medical Insurance

You probably experience multiple additional benefits of having a top health plan, some of them are mentioned below:

Cashless Treatment

Avail of cashless treatment from any of the network hospitals

Tax Benefits

Save tax under section 80D of the IT Act on paying the policy premium

Lucrative Offers

Enjoy discounts on health services such as health check-ups, telemedicine, etc.

Extensive Coverage

Protection against healthcare expenses such as in-patient hospitalisation, pre & post-hospitalisation, ambulance charges, etc.

Lifetime Renewability

Stay insured for life long without age limit restriction and get coverage for medical expenses

Daily Cash Allowance

Get daily allowance during hospitalisation to fulfil additional medical expenses that are not covered under your health plan

Want to Buy Best Health Insurance Policy in India?

If you are ready to buy the best health insurance in India for yourself, PolicyX can help you.

Our Methodology to Choose Best Health Plans

PolicyX has a team of experienced insurance advisors who have compiled the list of best health plans for you based on:

  • Wide range of sum insured
  • Maximum medical coverage and benefits
  • Maximum availability of cashless treatment
  • Minimum waiting period
  • Simple and quick claim settlement process
  • Trusted insurance provider
  • Positive customer feedback

Frequently Asked Questions (FAQs)

1. Do I still need a Senior Citizen Health Insurance for my parents, if I already have a Family Floater Health Insurance?

Senior Citizens have special healthcare needs as compared to a young individual. You can cover your parents under a senior Citizen plan, but unfortunately, these plans come with some restrictions such as the entry age is restricted to 60/65, or at times the coverage provided is not sufficient.

Therefore, if you want to fully cover your parent’s healthcare expenses at the time of medical emergency, you can rely on a Senior Citizen Health Insurance.

2. How can I know what is the entry and maturity age of the plan I choose?

You can refer to the policy document/brochure for such details. Also, you can directly talk to your agent or your insurance company and can ask them about all such details.

3. I have a health policy of Rs. 5 Lakhs. I want to increase my Health cover. Should I go for a top-up plan, or should I buy a separate Health Insurance Policy?

With a Top-up health plan, you will be paying a lesser premium as compared to a separate health insurance plan. Therefore, if you intend to enhance your health coverage, going with a Top-up or Super Top-up would be a smart choice.

4. What are the common exclusions under health insurance plans?

Some common exclusions are:

  • expenses incurred on treatment due to self-inflicted injuries including suicide
  • expenses incurred due to participation in any adventurous sport
  • pre-existing conditions are not covered until the end of the waiting period
  • venereal or sexually transmitted disease
  • cosmetic treatments
  • treatments related to dental, hearing, and vision
  • expenses incurred on treatment of obesity

5. Do health insurance plans cover COVID-19 related expenses?

Yes, Health Insurance plans cover expenses incurred for the treatment of COVID-19. The policy includes coverage for in-patient, Pre- and Post hospitalization expenses. Alternatively, you can purchase Health Insurance Plans specifically designed for coronavirus, such as Corona Kavach Policy and Corona Rakshak Policy. For more information about these policies, you can visit .

6. Does Star Health allow premium payment in EMIs?

Yes, Star Health has recently launched the facility to pay the health insurance premium in installments. Plans such as Senior Citizen Red Carpet, Family Health Optima, Medi-Classic Insurance, Star Micro Rural & Farmers Care, etc. offer the policyholder to pay their premiums in monthly, quarterly, and half-yearly installments.

7. Can one buy multiple Health Insurance policies for self and family?

Yes, one can buy multiple health insurance policies. If the cost of your treatment exceeds the sum insured by one policy, you can claim the balance from the second policy.

What Our Customers Have to Say

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Yash Sharma


January 18, 2022

Best comparison portal and best services given by and this company is growing in insurance web aggregator sector

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manish patel


December 29, 2021

This is best company compare to all web agrigaters com. most imp to cistomer support best for help go with this

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Subhash Chandra Pandey


December 14, 2021

Amazing services with . All the time 24*7 they are able to help you . Specially thanks to sanjiv sir for always better guidance.

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Lavi Sharma


November 22, 2021

I am very happy that I bought health insurance from apollo munich. One of the best health insurance companies in India. Great plans with good features.

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Ramesh Kumar


November 22, 2021

they have great impressive plans to offer. very amazing and helpful customer service. helped me a lot at the time of claim settlement

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Ravinder Dewan


November 22, 2021

Good Customer service, and very very good plans at affordable price. very quick claim settlement process.

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Abhishek Dhawan


November 17, 2021

Good company with great health plans, amazing customer care team as they explained the plans very briefly and helped me to find the best suitable plan for myself.

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Sheersha Kundra


October 28, 2021

The company has various affordable plans also they have an amazing customer care team that helps their customer in their time of need.

Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of Insurance Web Aggregator.