Best Health Insurance Plans in India

Looking for a health insurance plan but don’t know which to choose? We’re here to help you select the best plan. But before that, it’s important to know how you can say a plan is the best for you. Means – what are those features that a plan should have to capture your imagination? Is it the high coverage amount, also called the Sum Insured in the health insurance terminology? Or cover for a wide range of treatments including the new-age ones? We recommend a plan should have both, in addition to other value-added benefits such as the sum insured refill upon exhaustion, the increased cover amount by way of bonus, etc. All these features help individuals feel secure against unforeseen health emergencies in the true sense. So, what are those plans that stick to these important pointers? Let’s discuss such plans here. So, read, compare and choose the one that serves your purpose the best way. 

List of Best Health Insurance Plans in India 2021

Star Health Young Star

Star Health Young Star Policy is available to persons aged between 18-40 years, and here you’ll get sum insured options from INR 3 Lakh to INR 1 Crore with a minimum premium of INR 3,340. The policy comes in two variants – Silver & Gold – and covers the following medical expenses:

1. In-patient Treatment
2. Emergency Road Ambulance Service
3. Day Care Procedures
4. E-Medical Opinion
5. Health check Up
6. Modern treatment

Key features of this plan are:

1. Automatic restoration of up to 100% of the sum insured once during the policy period upon partial/full utilization of the coverage limit
2. Cumulative bonus of 20% after each claim-free year, subject to a maximum of 100% of the basic sum insured
3. Additional basic sum insured for Road Traffic Accident (RTA) resulting in an in-patient hospitalization. The basic sum insured shall be increased by 25% and can go up to INR 10,00,000
4. You’ll get access to Star Wellness Program by which you can get a renewal discount for a healthy lifestyle

Note: If you choose the Gold variant, you will also get Delivery Expenses cover and Hospital Daily Cash Benefit along with the above-mentioned benefit.

Aditya Birla Active Health Platinum

Aditya Birla Active Health Platinum health insurance comes in three different variants, Enhanced, Essential and Premier. Check out the table below and know the key benefits of this plan.

HDFC ERGO my Health Suraksha

You can purchase this health insurance at a minimum premium of INR 4,192. HDFC ERGO my:health Suraksha policy comes in three variants -Silver Smart, Gold Smart and Platinum smart. The sum insured ranges from INR 3-75 Lakh, and key features of this plan are as follows:

1. Cumulative bonus of 10% or 25%, subject to a maximum of 100% or 200% of the basic sum insured.
2. Preventive Health Checkup every year at HDFC ERGO network service provider
3. Fitness Discounts at Renewal  
4. Health incentive to maintain good health
5. Wellness services by which you can get discounts on OPD, pharmaceuticals, pharmacy, diagnostic centers, etc.

Niva Bupa Health Companion

Niva Bupa Health Companion comes in three variants, and you can purchase this plan on an individual or family floater basis. Under this policy, sum insured options are from INR 3 Lakh to INR 1 Crore, and the premium starts at INR 5,085 per year. Key features of this health insurance plan are:

1. No room rent capping provided the sum insured is INR 5 Lakh or above
2. Covers all day care treatments
3. No claim bonus of 20% after each claim-free year, subject to a maximum of 100% of the sum insured

SBI General Arogya Sanjeevani

You’ll get coverage against the following expenses under SBI General Arogya Sanjeevani:

1. Room rent, boarding, nursing expenses up to 2% of the sum insured, up to INR 5,000 per day
2. ICU charges up to 5% of the sum insured, up to INR 10,000 per days
3. Pre and post-hospitalization expenses up to 30/60 days
4. Cataract treatment up to 25% of the sum insured or INR 40,000, whichever is less
5. Coverage for modern treatments up to 50% of the sum insured

Manipal Cigna ProHealth Protect

The insurer shall provide you coverage against the following under Manipal Cigna ProHealth Protect:

1. In-patient hospitalization
2. Pre and post-hospitalization, up to 60 and 90/180 days, respectively 
3. Day Care Treatment
4. Domiciliary Treatment
5. Ambulance Cover
6. Donor Expenses
7. Worldwide Emergency Cover
8. Restoration of Sum Insured
9. AYUSH Cover
10. Health Maintenance Benefit
11. Maternity Expenses
12. Newborn Baby Expenses
13. First Year Vaccinations

Under this policy you’ll get the following plans:

1. Protect Plan: INR 2.5 Lakh, 3.5 Lakh, 4.5 Lakh, 5.5 Lakh, 7.5 Lakh, 10 Lakh, 15 Lakh, 20 Lakh, 25 Lakh, 30 Lakh, 50 Lakh
2. Plus Plan: INR 4.5 Lakh, 5.5 Lakh, 7.5 Lakh, 10 Lakh, 15 Lakh, 20 Lakh, 25 Lakh, 30 Lakh, 50 Lakh
3. Preferred Plan: INR 15 Lakh, 30 Lakh, 50 Lakh
4. Premier Plan: INR 1 Crore
5. Accumulate: INR 5.5 Lakh, 7.5 Lakh, 10 Lakh, 15 Lakh, 20 Lakh, 25 Lakh, 30 Lakh, 50 Lakh

Royal Sundaram Lifeline Supreme

You’ll get coverage options of INR 2 Lakh to INR 1.5 Crore under Royal Sundaram Lifeline Supreme. Key features of this policy are as follows:

1. Coverage against in-patient medical expenses
2. Pre-hospitalization expenses up to 30 days for Classic variant and 60 days for Supreme & Elite variant 
3. Post-hospitalization expenses up to 60 days for Classic, 90 days for Supreme & 180 days for Elite variant
4. Ambulance Cover with a sub-limit of INR 3,000 for Classic, INR.5,000 for Supreme & INR 10,000 for Elite variant, per hospitalization.
5. No Claim Bonus, for Classic – 10%-50% of the base sum insured, for Supreme & Elite – 20-100% of the base sum insured.
6. Worldwide Emergency Hospitalization and International Treatment for 11 specified critical illnesses available in Elite variant only.
7. Second Opinion for Critical Illness available for Supreme & Elite Variants only.

Bajaj Allianz Health Guard

Bajaj Allianz Health Guard policy comes in two variants:

1. Silver Plan: INR 1.5 Lakh or INR 2 Lakh
2. Gold Plan: INR 3 Lakh, 4 Lakh, 5 Lakh, 7.5 Lakh, 10 Lakh, 15 Lakh, 20 Lakh, 25 Lakh, 30 Lakh, 35 Lakh, 40 Lakh, 45 Lakh, 50 Lakh.

Coverage of this policy include:

1. In-patient Hospitalization Treatment
2. Pre and post-hospitalization expenses, up to 60 and 90 days, respectively
3. Ambulance cover up to INR 2,000 per hospitalization
4. Convalescence Benefit of INR 500 per policy year
5. Daily Cash Benefit of INR 5,000 per day for accompanying an Insured Child
6. Sum Insured Reinstatement Benefit
7. Preventive Health Check Up after a block of every continuous period of 3 years

Digit Health Care Plus Policy

Under this policy, you’ll get sum insured options ranging from INR 10,000 to INR 3 Crore. Check out the list of benefits available under the Digit Health Care Plus

1. Accidental Hospitalization Cover
2. Accidental & Illness Hospitalization Cover 
3. Infertility Treatment Cover 
4. Organ Donor Cover
5. Alternative Treatment (AYUSH) Cover
6. Emergency Air Ambulance
7. Long Hospitalization Cash Benefit ranging from INR 5,000-10,000
8. Maternity & Newborn Cover
9. Otu-patient Benefit
10. Domiciliary Hospitalization Cover
11. Sum Insured Refill Benefit
12. Daily hospital cash of INR 100-5,000 per day
13. Critical Illness Benefit Cover
14. Critical Illness Hospitalization Cover
15. Cancer Benefit Cover
16. Cancer Hospitalization Cover
17. Wellness Benefit Program 

Edelweiss Health Insurance Silver

Under Edelweiss Health Insurance Silver, you will get a sum insured option up to INR 5 Lakh plus coverage against the following: 

1. Hospitalization Expenses up to the Sum Insured
2. No Capping on ICU charges
3. Pre and Post-hospitalization expenses up to 30 / 60 days
4. Coverage for Day Care Treatments
5. Ambulance Cover up to INR 1,500 per hospitalization
6. Domiciliary Hospitalization Coverage
7. No claim bonus of 10% for every claim-free year, up to 50% of the sum insured
8. Health Check-Up for every claim-free year
9. Shared Accommodation Benefit of INR 800 per day, up to INR 4,000

New India Mediclaim Policy

New India Mediclaim Policy comes in two variants:

Plan A: offers you a sum insured of INR 15,00,000 and 25,00,000.

Plan B: offers you a sum insured of INR 50,00,000 and 100,00,000.

Under this policy, you’ll get the following benefits such as:

1. No pre-acceptance medical check-up to the insured aged below 50 years
2. Coverage to hospitalization expenses
3. Daily hospital cash of INR 2,000 per day in Plan A and INR 4,000 per day in Plan B
4. Coverage against 11 critical illnesses

TATA AIG Medicare Protect

TATA AIG Medicare Protect provides you coverage against in-patient hospitalization, pre and post-hospitalization expenses, domiciliary hospitalization, etc. The key features of this plan are as follows:

1. Coverage for 540+ day care procedures
2. Restore benefit
3. Cumulative bonus of 10% after each claim-free year, subject to a maximum of 100% of the sum insured
4. Consumables benefit 
5. Optional accidental death benefit rider
6. No medicals/No Tele- Medical Examination required for insured aged up to 45 years
7. Sum insured options ranging from INR 2-5 Lakh
8. Premium amount ranging from INR 2,640-36,981

Bharti AXA Smart Super Health Assure

If you purchase Bharti AXA Smart Super health Assure, you’ll get the following benefits during the policy term

1. Coverage for hospitalization expenses, 130-day care procedures, AYUS treatments, etc.
2. Hospital cash allowance if you are admitted to the hospital for more than 24 hours due to an illness/injury
3. Maternity benefit after a 9-month waiting period
4. Lump-Sum benefit in case of diagnosis of any of the covered critical illnesses

Reliance Health Infinity

Under Reliance Health Infinity health insurance, you’ll get the following benefits:

1. 10% discount on your premium payments for purchasing the policy online
2. 10% discount if you buy it for a term of 2 or 3 years
3. There are no sub-limits on room rent, road ambulance, organ donor expenses and Ayush benefits. 
4. Go-to More Benefit through which you can get additional coverage. Suppose your Health Infinity policy offers INR 10 Lakh cover, you get INR 3 Lakh cover in addition.
5. Sum insured options ranging from INR 3 Lakh to INR 1 Crore

Kotak General Insurance Health Care

Kotak General Health Care comes in three different variants such as:

The key benefit of this plan is as follows:

1. Coverage for in-patient and day care treatment
2. Cumulative bonus of 10% after a claim-free year, subject to a maximum of 50% of the base annual sum insured.
3. Cashless treatment at 4,000+ network hospitals
4. Optional covers for enhanced coverage