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Best Health Insurance Plans

Best health 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. Finding the best health insurance in India become so confusing as there are many health insurance companies are available which are providing health insurance. While selecting the best health insurance policy one must consider these factors such as 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.

Why should you buy the best Health Insurance Policy/Plan?

Medical emergencies are inevitable and more often than not bring along excessive financial baggage which in turn breaks the bank if you are unprepared. The best health insurance policies are powerful tools that help you in securing your future from expensive medical expenses. As there is a swarm of organizations selling health insurance it is important you select the best one, and it can be a daunting task.

Unfortunately, a handful of people make the effort of understanding the importance of buying a good Health Insurance Policy and making an informed decision. PolicyX has listed a number of reasons for you to understand why it is imperative to select the best health insurance policy.

  • Avail adequate sum insured One of the major reasons for you to buy a health insurance plan is so that you don't shrink your bank balance. Therefore, look for a plan that offers a high sum insured which can be effectively used to clear your health bills without compromising on the medical care facilities.
  • Customizable riders An ideal deal Health Insurance will allow you to add some riders (add-on covers) along with the base cover available at an added cost giving you the best value for it.
  • Alternative treatments Selecting a good health insurance policy sometimes means covering costs for alternative treatments that are beneficial when modern medicine is unable to help you. A lot of insurers cover costs for alternative treatments such as AYUSH (Ayurveda, Unani, Siddha, and Homeopathy)
  • Portability benefits As per IRDA guidelines, you as an insurance holder can change your insurance policy from one insurance company to another or one plan to another without losing the benefits you have accumulated.
  • Compare Premium It is essential to compare the plans as well as the premium. At policyX we help you find the best health plan that fits your needs. We, help you compare the insurance policies in terms of benefits, features, premiums, maximum returns, etc.
  • Fall Back option No matter how much money you save, fighting a critical illness can be tough. It can end up costing you your entire life's savings. The expenditure of the treatment, equipment, and medication can be hard to cover on a fixed salary. Health insurance can offer you the security to overcome these expenses and take some of the burdens off your shoulders.
  • Financial Coverage A health insurance plan acts as strong financial support during medical emergencies. The costs associated with critical illnesses like cancer, heart ailments, etc., can severely affect your financial standing.
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Find Best Health Insurance in India

Finding the best health insurance in India is very difficult as there is a variety of health insurance plans offered by various health insurance companies. 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

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?

There are a variety of health insurance policies available in India and each policy comes with some unique coverage benefits. To choose the best health insurance policy in India, you must check the offered benefits and understand what is covered and what is not. Before you decide on purchasing the best medical insurance for yourself, contact our customer service representatives to determine which is the best option that can meet your requirement. You can consider the factors given below while selecting the best mediclaim policy:

  • Look for the right coverage type Choose the right health care plan that shields you against a wide range of medical problems, providing you benefits. Consider your requirements, compare plans on benefits and costs and apply a little due diligence to choose a plan that caters to your needs.
  • Choose an 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. Make sure your health insurance policy is flexible and does not fail to cover possible medical emergencies by opting for options such as increasing your sum insured at the time of renewal, buying a super top-up plan, or accessing the portability feature.
  • 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 Generally, the waiting period for pre-existing disease in health insurance policies is 1-4 years. However, you should select a plan that offers an option to reduce the waiting period for pre-existing diseases (PED).
  • 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.
  • Look for a maximum renewable age The feature of lifetime renewability is important for most policies especially health policies for senior citizens as the premium amount increases with increasing age. The benefit of lifetime renewability takes off the financial pressure in case of medical emergencies. Considering the dramatic rise in medicare expenses the importance of lifetime renewability has increased even more.

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?

You can buy the best medical insurance in India from as it comes with an easy and user-friendly buying process that is safe, quick, and hassle-free and allows you to buy your policy from anywhere and anytime.

  • Get quotes from top insurers by filling up a form given at the top of this page.
  • Compare quotes of different insurers and select the desired plan as per your requirements.
  • Submit all the required details and documents.
  • Make the online payment and the policy documents will be shared at your e-mail address.

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


Health insurance is a type of insurance coverage wherein, an insured can claim payments for his medical and surgical expenses and as a trusted insurance web aggregator for millions PolicyX has facilitated multiple individuals, families and employers in making the right decision in respect to selecting the best health insurance policies. We intend to lighten the burden and help you in doing your due research and choosing the best health insurance policy.

Best Health Insurance Plans FAQs

1. Which is the best health insurance policy?

Selecting the best health insurance policy amongst a plethora of choices can be confusing which is why the policies that offer you factors like health insurance riders, benefits, coverage, network hospitals and more can be considered the best health insurance policy. Also, you should pay attention to the claim settlement ratio of the company you are purchasing the policy from.

2. Which are the best health insurance plans for young adults?

If you are aged 25 years or above and not residing in a metro city, then a family floater plan ranging between Rs. 5 Lakh to Rs. 10 Lakh sum insured would be sufficient to meet any health emergency.

3. What are the benefits of a best health insurance plan?

In case of health emergencies, having a reliable health insurance policy helps as it offers the much-needed financial backup. A health insurance policy can reimburse you for the expenses arising due to injury or illness or pay directly at the hospital.

4. Can health insurance plans be paid in EMI?

Yes. You can pay the premium for a particular health insurance policy in EMI for which you will be required to pay a fixed amount every month. It is a recommended option as it helps you reduce the stress of paying a hefty amount of premium in one go.

5. Do I have to undergo any medical examination before buying the best health insurance plan?

When purchasing a health insurance policy the insurance provider may require you to undergo some medical examination to assess your health condition. These medical tests play an important role in determining your eligibility for getting health insurance and determining the premium of the health insurance policy. However, it does not mean that you cannot purchase a health insurance policy without a medical examination.

What Our Customers Have to Say

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jasvinder singh


March 25, 2022

very nice service by and as well from manipal cigna during the claim period. easy claim settelment.

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samarth wadhwa


March 14, 2022

Star is one of the topmost insurance companies and they prove it with their services and plans. They have plans for each family member of mine starting from my parents to my own family and even...

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nimrat sondhi


March 14, 2022

my father is a single parent. The way he has taken care of me during my childhood, I wanted to support him after my marriage so that he is never alone, especially during medical emergencies. I ...

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kuljeet singh


March 14, 2022

very good company with good plans. They always reply to my and my wife queries related to our old diseases and new doctor consultations. they OPD plan is very helpful.

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simaranjeet kaur


March 14, 2022

My father in law lives alone in jalandhar and we wanted an insurance company that take cares of him in our absence. They are very good with their commitment and service.

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February 24, 2022

Me and my husband met with accident and got injured during night. we admitted to the non-network hospital but the company paid reimbursement for our medical bills on time.

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rachana singh


February 24, 2022

I am star health s customers from last 5 months where i have got best customer service. They have a huge list of network hospitals which keeps me relaxed that i can get cashless treatment

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February 21, 2022

Staff is really polite and good and educated not like other insurance companies. Dont disturb with so many calls and available at the time of help

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.