Health Insurance 2295 views August 19, 2019

Best Health Insurance Plans in India

Health insurance is one of the most crucial types of insurance. You simply cannot afford to live in the modern-day and age without a medical insurance cover. This is because the illness rates have increased and the treatment costs have skyrocketed too. You, therefore, need the assistance of a good health insurance cover at all times to ensure you get the best possible medical care when a need arises. In this article, we tell you what makes a good health insurance policy stand out. We also provide a list of the top health insurance policies of India. Take a look.

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Best Health Insurance Plans in India 2021

Some of the best health insurance plans available in India presently include:-

Religare Care Health Insurance Plan

  1. This is an excellent plan with some great features:-
  2. Health insurance cover for the entire family
  3. No upper limit on the entry age. This makes it easy for you to include your elderly parents in health insurance coverage as well.
  4. Preventive check-ups available once every year
  5. Many inclusions such as the ICU charges, room rent, ambulance cost, etc are available under this health insurance cover.

The Care Health Insurance Plans is indeed one of the best and most useful health care covers available in India and nowadays.

Aditya Birla Health Insurance’s Active Assure Diamond Plan

The Active Assure Diamond Plan from Aditya Birla Health Insurance is one of the most popular medical insurance plans in the country. Some of the best features of this plan include:-

  1. Large health insurance cover at a very affordable rate.
  2. Top up of the sum insured is available after a health insurance claim is already paid out.
  3. You can make an insurance claim even if you get treated under alternative medicinal channels such as Ayurveda, homoeopathy, etc
  4. Critical illness insurance coverage is also available for this plan.

These features make the Active Assure Diamond Plan one of the best health insurance plans in India.

Apollo Munich Optima Restore Family Health Insurance Plan

Next, we have the Apollo Munich Optima Restore Family Health Insurance Plan. This is a very well-fined plan and caters to the needs of a wide number of people in India.

  1. Huge sum insured, with a minimum value of Rs 3 lacs.
  2. Automatic top-up of the sum insured after a health insurance claim is paid out to the policyholder.
  3. All members of the family, including young children, can be insured under this health insurance coverage.
  4. Lifelong renewal is available with this excellent health insurance policy.

The Apollo Munich Optima Restore Family Health Insurance Plan is a very good option for you. Check it out in more detail to understand the insurance coverage in greater depth.

Manipal Cigna ProHealth Plus

The fourth health insurance plan in the list of the top policies is the Manipal Cigna ProHealth Plus. This is a very good medical insurance cover that has the following benefits on offer:-

  1. There are many rewards available with this insurance coverage. You get discounts on the health insurance premium, earn a wellness healthcare package, etc.
  2. You get a wide range of sum insured to choose from, depending on what your exact health insurance requirements are.
  3. You also get travel insurance health coverage with this plan. This is one of the most beneficial insurance coverages, as you get to travel with a lot of mental peace.
  4. OPD and pharmacy expenses are included in the overall medical insurance package.

Look to get a good health insurance policy like the Manipal Cigna ProHealth Plus that offers value-added services. You will then have a wholesome healthcare cover indeed.

Star Family Health Optima

Star Health Insurance has become one of the biggest names in the Indian health insurance sector. This is mainly because they offer some excellent medical insurance covers that help a lot of people in the country. The Star Health Optima plan is one of them.

  1. Preventive health check-ups are available to help you to stay fit and healthy in the long run.
  2. The insurance coverage is available for the entire family. Under this excellent family health insurance scheme, senior citizens, as well as babies as young as 16 days, can be included.
  3. Close to 500-daycare treatments are covered under this excellent health insurance coverage from Star Health.

These are some of the best health insurance plans available presently. Keep them in mind when you compare insurance quotes to find your ideal cover.

List of Things That Makes a Health Insurance Plan Best in India?

Let us begin the discussion by understanding what sets good medical insurance cover apart from the rest. There are quite a few factors that distinguish a good plan from the others. They include:-

Scope of cover

Everyone has a different health insurance requirement. While your friend may need small insurance coverage just for himself, your friend may need a cover five times the size of that to cover himself and his whole family! You should, therefore, look for a good health insurance policy that covers your needs perfectly. The best health insurance plan would offer wide coverage. You should not have to make any adjustments, as the health insurance cover should be large and wholesome. A plan that shrinks the coverage is not considered to be a very good one.

Insurer’s reputation

Another factor that is important to making a health insurance plan good is its insurer’s reputation. You must buy your medical insurance plan from one of the best health insurance companies. Unless the insurance provider is good, no matter what the price or the features of the plan, you will not have the ideal insurance coverage. You need to spend time, read some reviews, look at the ratings and then select a good general insurance company that sells the health insurance policy.


Next, we come to the financial aspect of a health care policy. Every insurer tries to include the best features and covers in a particular health insurance policy. However, the insurance provider often attaches a hefty insurance premium for the high coverage. The best health insurance plans, therefore, are distinguished by the affordability factor. A medical plan that’s too expensive is never ideal, as it may become a financial liability for you. You, therefore, must look for health insurance coverage that is comprehensive yet economically priced.


Another factor that set’s a health insurance scheme apart is its clauses related to the limits. Every healthcare plan has limits and sub-limits. You must find a plan that has lenient clauses in this department. If the limits are too rigid and too many, your health insurance plan won’t deliver properly.

Health Insurance Riders

Last but not least, you need to look for a health insurance policy that has provisions for the right kind of add-on covers. Riders are add-on covers that you can buy at an added cost. The best health plan will surely allow you to attach the riders of your choice, with which you can make the plan tailor-made for your requirements.

When you buy a health insurance plan, make sure you keep an eye out for the above-mentioned checkpoints. You need to get insurance coverage that suits your healthcare requirements.

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