Best Health Insurance Plans In India 2024

Updated On: 2023-03-29

Author : Team Policybachat

Health insurance is a type of insurance in which an insured person gets financial support in case of a medical emergency. Health insurance is a long-term contract between the customer and the insurance company. The people who have health insurance can get health insurance claims from the insurance company in case of hospitalization due to accident or illness and they will take care of medical expenses charged by the hospital.

Health insurance is an agreement between insurance companies that agrees to cover the medical expenses of a person in exchange for a premium. It provides coverage to the insured for hospitalization, surgeries, ambulance service, daycare procedures, etc. resulting from an illness or injury. A health insurance plan either reimburses the medical costs or pays them directly to the network hospital for cashless treatment.

Many of us have misread the benefits of India's health insurance policy by limiting its coverages to only hospitalization. Quoting the same, one can't get sufficient health insurance policy coverage when he doesn’t know how to use it. Now, Health insurance India policy coverages are changing for the better, thanks to the new health insurance companies adopting new coverage options. IRDA brought around some changes in issuing medical insurance policies. Now the insurers are required to adopt the terms and generate the best health insurance policy that is benefitting the customer.

Section 80D of the Income Tax Act provides tax deductions for medical expenditure made for the individual and the family can go up to Rs. 50,000. This section allows you to receive tax deductions on premiums made for medical insurance for yourself and on behalf of your family.

Benefits of Best Health Plan in India:

Advantages of best health plans in India includes these extended coverages and benefits within the best health insurance plans:

  • Lifelong policy renewability: The best health policy in India now comes with life-long renewability. However,  this extension will not apply to existing policyholders.
  • No Sub-limits India health insurance policyholders are now set free from incorporated payments like sub-limits, sum insured restrictions, room rents, and any other hospitalization charges. Your premium will only be calculated purely based on your previous health and future necessities.
  • No premium hikes Your claims with a health insurance policy will not affect the premiums that you are going to pay. Your new and best health insurance policy has modified its premium structure to benefit its consumers.
  • Zonal premiums If you are going to buy the best insurance policy you need to consider your locality too. Now, the premiums are calculated based on your location.
  • Cover Restoration Your India health insurance policy benefits most with this upgraded feature. This addition enables the sum insured replenishment when your sum insured is totally cleared within the policy period. Your medical insurance India policy gives you the best health insurance coverage.
  • Allowance on Daily hospital cash: As you know best health insurance policy covers your hospitalization expenses. But are you aware there are some best health insurance plans in India that cover the expenses which are incurred during your stay in hospital along with the food or refreshments? This is Daily Hospital cash. Now check for this plan within your best health insurance policy.
  • Recuperation benefits: While choosing the best insurance policy, go for the plan that covers you till your complete recovery. There are some best health insurance companies that issue coverage till the recuperation of their policyholder.
  • Substitute treatment: The best health insurance policy now is providing coverage for an alternative to allopathic treatment. India's best Health insurance plans cover your homeopathic or Unani treatments.
  • In-house treatment: Your in-house treatment will also be covered with medical insurance. Medical insurance India offers coverage for the treatments done at the policy holder's home.
  • Critical illnesses: Best Health insurance in India covers your regular hospitalization charges and also insures you for critical illness conditions, where your sum insured will be doubled and issues coverage till a specific period after the treatment.

By now you know what India's best health insurance policy benefits you. So, why wait! Act quickly and call us for purchasing the best health insurance policy or medical insurance India policies from prominent health insurance companies. Dial 1800-123-4006/1800-123-4003 and quote for best health insurance policy or log on to to chat directly with our medical insurance specialist.

Best Health insurance policy not only benefits you or your wife and children but also offers coverage to your parents along with your in-laws. There is some medical insurance India plans that add advantages in more than one way.

To know more about the benefits of the best health insurance policy log on to or call us on 1800-123-4006/1800-123-4003. We are here to help you effectively and immediately.

To summarize, India's health insurance policy benefits you in a long run with its efficient coverages and benefits. One should be clear with the terms of the health insurance policy to get benefitted from it. By now it is clear that Medical insurance in India is a vital aid in your tough times; then why late? Log on to and buy the best health insurance policy.

Types of Best Health Insurance Plans in India:

What are the best health insurance plans in India? Here is a look at some of the best health insurance plans for individual, family, and senior citizen plans available:

  • Individual Best Health Insurance Plan
  • Family best Health Insurance Plan
  • Senior Citizen Best Health Insurance Plan
  • Critical Illness Best Health Insurance Plan
  • Maternity Best Health Insurance Plan
  • Group Best Health Insurance Plan
  • Preventive healthcare Insurance Plan
  • Top-Up Health Insurance Plan
  • Personal Accident Insurance Plan.

1.) Individual Health Insurance Plans

a.) Religare Care:

  Minimum Maximum
Entry Age 18 years (91 days for dependent children) No maximum age
Premium ₹2050 ₹215222
Sum Assured ₹3,00,000 ₹60,00,000.


  1. Automatic Policy Recharge
  2. Critical care facility anywhere in the world
  3. Premium discount on higher policy periods
  4. No claim bonus of 10% p.a to a maximum amount of 50% of sum insured
  5. The Everyday Care-Wellness Package allows consultations at reduced rates from impanelled doctors, surgeons, and healthcare specialists with a maximum of 4 visits for the same illness.
  6. No sub-limits on expenses on most of the plan’s packages.
  7. It can be extended to a family floater policy covering six members. This also allows coverage for children up to 25 years which is longer than most policies.

b.) Bajaj Allianz Health Guard:

  Minimum Maximum
Entry Age 18 years (3 months for dependent children) 65 years
Premium ₹1882 ₹23000
Sum Assured ₹2,00,000 ₹1,00,00,000


  1. All claims are processed in-house, with no need to deal with TPAs.
  2. In the case of critical illness, policyholders covered above five lakhs can ask for a second opinion from an empanelled doctor.
  3. For two or more people from the same family covered in the same insurance policy, there are discounts on the premium
  4. After a waiting period of 4 years, Lasik eye surgery is covered
  5. Medical check-up required at and over 46 years of age.

2.) Family Health Insurance Plans

a.) Royal Sundaram Lifeline Elite:

  Minimum Maximum
Entry Age 18 years (91 days for dependent children) No maximum age for adults (Maximum age 21 for coverage of dependent child)
Premium ₹3341 ₹63,466
Sum Assured ₹25,00,000 ₹1,50,00,000


  1. An ISO certified claims process
  2. 3000 hospitals in the network allowing cashless hospitalization
  3. A long period of day-car coverage
  4. Maternity benefits are covered
  5. No maximum entry age, and no maximum renewal age
  6. Medical coverage includes ambulance expenses, organ donation procedure expenses, vaccination for animal bites, and even worldwide emergency coverage under certain plans.
  7. One excellent feature: Accident coverage is present immediately after taking the policy
  8. Daily cash allowance for under the Royal Sundaram Family Good Health Insurance scheme for each insured person, up to a maximum amount of days

b.) Star Family Health Optima:

  Minimum Maximum
Entry Age 18 years (16 days for dependent children) No maximum age for adults (Maximum age 21 for coverage of dependent child)
Premium ₹3890 ₹34700
Sum Assured ₹2,00,000 ₹15,00,000


  1. 400 day-care procedures are covered
  2. Children can be brought into coverage as young as 16 days old
  3. Over 6000 network hospitals for cashless facility
  4. All records like medical and others can be maintained online, minimizing hassle.
  5. Automatic benefit restoration, if a policy is exhausted during the term year. This prevents the family from suffering if there is a serious illness that exhausts the policy
  6. Mandatory medical check-up post 50 years of age, which is done at the company’s cost.

3.) Senior Citizen Health Insurance Plans:

a.) National Insurance Varistha Mediclaim

  Minimum Maximum
Entry Age 60 years None
Premium ₹6187 ₹9178
Sum Assured Mediclaim: ₹1,00,000, Critical Illness: ₹ 2,00,000 Same as Minimum sum assured


  1. No maximum entry age
  2. Lifelong renewability
  3. One year waiting period for pre-existing diseases
  4. Covers some non-allopathic treatment
  5. Increase in sum insured by 5% for every claim-free year

Other Types of Health Insurance Plans in India:

  • Critical Illness Health Insurance: Critical illness plans cover life-threatening illnesses. Cancer, heart attack, organ transplant, kidney failure, etc., are a few of the illnesses covered under such policies. A critical illness cover is especially useful if the insured has a history of certain critical illnesses in the family.
  • Maternity Health Insurance: Maternity plans are designed to cover women who are expecting a child. It covers the expenses incurred in the pre-natal stage, delivery, and post-natal stage. Both the mother and the newborn are covered under such plans. Maternity plans can also be bought as a rider to an existing basic policy.
  • Group Health Insurance: Group/Employee best health insurance plans are usually offered by employers and are designed to include and exclude members as they join and leave the company. Group health policies are generally low in premiums due to the reduced risks involved. Such plans also allow leniency in terms of covering pre-existing illnesses among other things.
  • Preventive Healthcare: A preventive healthcare policy covers the expenses incurred during treatments/measures taken to prevent a certain disease, illness, or cancer. Annual check-ups and screening tests are few of the services that are covered under preventive healthcare.
  • Personal Accident Insurance: Personal accident plans specifically cover the expenses related to unforeseen accidents. Such policies provide compensation in cases of disablement, death, injury, or impairment caused by road, rail, water, or air accidents.

Find the Best Health Insurance Plans:

We aim at making it easier for you to choose the best health insurance plan for yourself and your family. We have compiled the top health policy in India of 2021 with their respective key features in the table below:

1.) Best Individual & Family Floater Plans:

Plans Benefits Premiums
Niva Bupa Health Companion Daycare treatment covered, pre and post hospitalization, domiciliary hospitalization 11,009
Niva Bupa Health Reassure Organ transplant, hospital daily cash, domiciliary hospitalization 11,409
HDFC ERGO Optima Restore NCB, restoration, domiciliary hospitalization 15,065
Aditya Birla active Health Enhance Road ambulance cover, obesity treatment 11,944
ManipalCigna Prohealth Plus Ayush cover, ambulance cover 8,679
Star health Comprehensive Plan Daycare procedures, domiciliary hospitalization, Ayush Treatment 10,420
Star Family Health Optima Installment facility for premium payments, daycare procedures 11,150
Care Plan Auto recharge of sum insured, maternity covered 11,593
Care Freedom Dialysis cover, ICU expense, Breakage of bone treatment 12,346

2.) Best Senior Citizen Plans:

Plans Benefits Premiums
HDFC ERGO My Health Suraksha Health check-ups, cashless home care treatment, no age restriction 62,496
Star Health Senior Citizen Red Carpet Day care procedure, emergency ambulance cover, ICU charges 45,135
Care Senior ICU charges, No pre-medical checkups 41,267

3.) Best Critical Illness Plans:

Plans Premiums Benefits
HDFC ERGO Critical Illness Insurance 2065 Covers 15 critical illness, sum insured premium paid in a single transaction, lifetime renewability
Aditya Birla Cancer Secure Insurance 1558 Protection for 3 stages of cancer, 7-days short survival period, second E-opinion
Star Criticare Plus Insurance 9912 9 specified critical illness, covers non-allopathic treatment, life-long renewability.

4.) Best Top-up Plans:

Plans Benefits Premiums
ManipalCigna Super Top-up Daycare treatment, ambulance cover, cumulative bonus 1770
Niva Bupa Health Recharge E-consultation, coverage for emergency ambulance cover up to 15000, Ayush Treatment 1605
Star Health Super Surplus Individual and family floater basis, covers organ donor expenses, air ambulance charges 2526

What is covered in the Best Health Insurance Plans in India?

  • Pre-Existing Illnesses or Diseases: After the completion of the waiting period, you can file a claim for the expenses incurred on the treatment of any pre-existing illness or condition.
  • Pre-Post Hospitalization Expenses: Medical expenses incurred on blood tests, x-ray, and other medical check-ups that are required before hospitalization are taken care of by the insurance company. Similarly, the cost of the medicines and preventive health check-ups that are done to ascertain your health after the discharge from the hospital is covered under the health insurance plan.
  • In-patient Hospitalization Illness or diseases: The hospitalization expenses incurred during the treatment of an illness or injury are covered provided the hospitalization is for more than 24 hours.
  • Pre-Existing Illnesses or Diseases: After the completion of the waiting period, you can file a claim for the expenses incurred on the treatment of any pre-existing illness or condition.
  • Ambulance Charges: Although the coverage amount varies from insurer to insurer, most medical insurance plans cover emergency ambulance charges.
  • Maternity Cover: Medical expenses incurred during the pregnancy and delivery are covered along with newborn baby expenses.
  • Health Check-ups: regular health check-up facilities are also made available in some health insurance plans in India.
  • Day-care Procedures: Day-care treatments where hospitalization is not required for more than 24 hours are covered. It includes eye surgery, dialysis, and other common day-care surgeries as mentioned in your policy document.
  • Ayush Treatment Cover: A health insurance plan also reimburses the medical costs incurred on Ayurveda, Unani, Siddha or Homeopathy treatment up to a specified limit.

What is not covered in Best Health Insurance Plans in India?

  • Claims arising out of adventure sports injuries are not covered, and the initial 30 days of buying of the health insurance plan are not covered.
  • Treatment/diagnostic tests and post-care procedures
  • Hospitalization and rehabilitation, common illness, etc
  • Dental or eye surgery expenses
  • Cosmetic or plastic surgery, replacement of hormones surgery, etc
  • Terminal illness, AIDs, and other diseases
  • Self-injuries or suicide, war/terrorism/nuclear activity
  • Coverage of pre-existing diseases is to a waiting period of 2 to 4 years
  • Critical illnesses coverage comes with 90 days waiting period.

How to Buy Best Health Insurance Plan Online from PolicyBachat?

You can get Instant Quotes for the Best Health Insurance plans from the best health insurance company by calculating premiums at Policybachat

  • Visit the Policybachat Website and Select the ‘Health’ tab.
  • Select your ‘Gender’.
  • Select ‘Who do you want to insure’ and their ‘Age’.
  • Enter your ‘Pin code’.
  • Enter your ‘Name’.
  • Enter your ‘Email Address.
  • Then click on ‘Start Saving Money.
  • Premium Quotes of top health insurance policies in India will be displayed as per data entered by you and which are suits your requirement.
  • You can edit policy details, sum insured value, policy term and you can choose your preferred brand
  • Purchase best health insurance policy using online payment
  • If any queries are raised call: 1800-123-4003.

How to Select the Best Health Insurance Plan in India?

Factors to consider before buying the best health insurance plan in India. There is no best health insurance plan which fits all. Each person has different requirements and the health insurance plan has to be chosen as per the requirements. In that case below factors are to be considered before deciding on the best health insurance plans:-

  • Coverage/Premium: Coverage in health insurance is also known as Sum insured under the health insurance plan. The higher the coverage, the higher would be the premium charged by the insurance company. The sum insured or coverage should be ideally decided by the customer keeping in mind different factors such as Age of the customer, family members in the policy, rising inflation costs, cost of treatments, affordability/premium paying capacity. Nowadays insurance companies are providing EMI options to pay their health insurance premiums which provide great relief to customers to select the higher sum insured plans.
  • Individual/ Floater: It is important to decide whether the health insurance policy would be taken for an individual or for the family. There are many options in a health insurance policy that cannot be utilized by an individual alone and availing these options would be of no use and the customer would end up paying a high premium for the options he wouldn’t be using. The sum insured can be opted separately for each individual in the health insurance policy or everyone in the policy can use a single sum insured. Most of the health insurance plans include individual and floater sum insured options for the customer to select from.
  • Need for health insurance: First of all, the need for health insurance should be identified by the customer before proceeding to the health insurance policy purchase. As there are different types of policies for different requirements, it is important to analyze the need for health insurance before taking one. For instance, there are Covid health insurance plans, Maternity plans, senior citizen plans, Plans for customers with pre-existing diseases such as Heart attack, Hypertension, etc.
  • Add-on/ Rider: Add-on or Rider is the extra coverage that is available under the health insurance premium on payment of additional premium. The base coverage can be extended with the help of add-ons on payment of additional premium. There are so many add-ons available with the health insurance company with different health insurance plans. Careful analysis should be made before deciding on an add-on as the riders are charged by the insurance company. The customer should identify the add-on which is necessary as including all the add-ons will only increase the premium with less scope for utilization of all the add-ons.
  • No Claim Bonus/ Renewal Bonus: No claim bonus or the renewal bonus is the increase in sum insured at the time of renewal provided by the insurance company for no claims made in the previous policy year. The maximum renewal bonus or No claim bonus provided by the insurance companies would not exceed 100% of the basic sum insured. There are a few plans which provide a 10% to 50% renewal bonus for each claim-free year. The higher the renewal bonus percentage each year, the higher would be the sum insured at the time of renewal.
  • Network Hospitals:

    Network or tie-up hospitals are the hospitals with which the insurance companies enter into an agreement to provide cashless treatment to their customers. In cashless medical treatment hospitalization, the customer need not pay medical bills to the hospital. The insurance company tie-up with those hospitals and they take care of the medical expenses charged by the hospital.

  • Co-pay: In Copay the fixed amount of money is must pay each and every time when an insured person needs medication. Co-pay is the amount of claim which is to be borne by the insured customer at the time of claim settlement. Most of the health insurance plans have a co-pay clause if there are senior citizens included in the policy. Higher the co-pay amount selected by the customer lower would be the health insurance premium. Co-pay is the way of making customers liable and participating in the claim settlement process.
  • Pre-existing waiting period: Any illness or disease which exists prior to the inception of the health insurance policy is known as pre-existing disease. Health insurance policies usually have a waiting period only after which the health insurance claim for the existing diseases would be paid. The pre-existing waiting period would normally range between 2 years to 4 years for different health insurance plans available in the market. Higher the pre-existing waiting period, higher would be the time before the claim is settled for pre-existing conditions.

Which Is the Best Health Insurance Policy in India?

Which medical insurance is best in India? Comparing health insurance quotes online helps you in choosing the best health plan to suit your healthcare needs. Sometimes, it can also get confusing to select a good health insurance plan in India as so many insurers offer different health insurance products with impressive features. It is easier to health plan comparisons in India from different insurers online at Policybachat to make an informed decision.

Compare Best Health Insurance Plans in India 2022:

In India, there is a variety of health insurance plans offered by popular insurance companies. Tabulated below are the best health insurance plans in 2022 that you can buy for maximum coverage benefits:

Health Insurance Plans Entry Age Maximum Sum Assured Network Hospitals
Niva Bupa Health Recharge Policy 3 months to 65 years Rs. 25 Lakh 4,500+
Bajaj Allianz Health Guard Policy 3 months to 65 years Rs. 50 Lakh 6,500+
HDFC ERGO Optima Restore Plan 91 days to 65 years Rs. 50 Lakh 10,000+
HDFC ERGO my: Health Suraksha Plan 91 days and above Rs. 75 Lakh 4,500+
Aditya Birla Active Assure Diamond Plan 91 days and above Rs. 2 Crore 6,000+
Star Young Star Insurance Policy 91 days to 40 years Rs. 1 Crore 9,900+
Star Family Health Optima Plan 16 days to 65 years Rs. 25 Lakh 9,900+
Care Health Insurance Policy 91 days and above Rs. 6 Crore 8,250+
Care Freedom Policy 91 days and above Rs. 10 Lakh 8,250+
Star Diabetes Safe Policy 18 years to 65 years Rs. 10 Lakh 9,900+

Best Health Insurance Plans Add-on Covers:

The health insurance add-on covers are optional features and additional coverage that do not include in the standard features of a health insurance plan but have to be included separately by paying a little extra premium.

  • Hospital Cash Cover: It is a daily cash allowance that is given by the insurance company to the insured individual during hospitalization. The pay-out under this add-on covers costs of diagnostics and medical expenses which are not covered under the standard policy which ensures your financial stability during the treatment and even after the discharge.
  • Critical Illness Add-on Cover: This add-on cover gives coverage in the form of a payout on the diagnosis of a critical or life-threatening illness like cancer, cardiovascular diseases, and so on. It gives coverage in addition to the sum insured which can be extended to up to Rs. 10 lakhs
  • Maternity and New-born cover: This add-on cover gives coverage for all expenses pertaining to pregnancy and childbirth. Childbirth comprises hospitalization and surgery costs which can be extremely high based on the hospital where you are admitted.
  • Room Rent Waiver: With this health insurance add-on cover, you can either enhance the sub-limit provided for hospital room rent under your health insurance policy or choose no sub-limit on room rents.
  • Emergency Ambulance Services:  Emergency ambulance costs up to Rs. 30,000 or even more can be covered with this cover, which enables you to avail the best emergency care at any hospital.

Eligibility Criteria for Health Insurance Policy:

Here are some eligibility criteria for a health insurance policy:

  • Minimum Entry Age:  Adult -  18 years to 65 years, child - 16 days to 18 years.
  • Pre-Existing Medical Conditions: While buying a health insurance plan after the age of 45, you may have to go through a few medical tests. If a medical test is not asked for, then you might have to submit a pre-existing condition declaration based on which insurers provide the plan.

Documents Required Buying Health Insurance Plan in India 2022:

You can purchase a health insurance plan by submitting the below-given documents:

  • Age proof:
    • Pan Card
    • Passport
    • Voter ID Card
    • Aadhaar Card
    • Driving License
    • Birth certificate
    • 10 or 12th Mark sheet
    • Pan Card
  • Identity proof:
    • Passport
    • Voter ID Card
    • Aadhaar Card
    • Driving License
  • Address Proof:
    • Passport
    • Aadhaar Card
    • Ration card
    • Driving License
    • Rent agreement
    • Utility bills like electricity bills, telephone bills, etc.
  • Proposal form duly filled in and signed
  • Medical reports (if demanded by the insurer)
  • Passport-size photographs (if demanded by the insurer).

You can Buy the Best Health Insurance Policy from our portal where we have top medical insurance policies offered by leading insurers. Compare best health insurance plans for medical insurance in India including features, sum assured, and premiums online. Choose the one which suits your budget.

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