Best Health Insurance Plan In India For May 2023 (2023)

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Sum Insured

Network Hospitals

Minimum and Maximum age

The Aditya Birla Activ Health + Multiply Fit Combo tops in our list of best health insurance policies in India due to various reasons. Firstly, it is well designed and a comprehensive plan offering a four-in-one health insurance policy. It put focus on providing the benefits of health insurance coverage along with the fitness, wellness and rewards. It is quite a new-age plan which offers a wide sum insured value up to INR 2 crore. This plan takes care of your insurance needs and also offers cashback discounts and wellness points. Its digitally-enabled wellness ecosystem rewards users to implement healthy habits.

Key Features:

• Two variations of the plan are: Active Health Platinum Enhanced (sum insured ranges from INR 2 lakh to INR 2 crore) and Active Health Platinum Premiere (sum insured ranges from INR 10 lakh to INR 2 crore )
• Covers hospitalization costs, modern treatment expenses and other chronic diseases from day one of the policy.
• Covers 60 days of pre and 180 of post-hospitalization costs.
• Day care procedures are covered up to the sum insured amount.
• Benefit of double sum insured amount in two years, if there is no claim bonus.
• Medical illness, obesity treatment, home treatments are covered up to the sum insured.
• Earn 100% health returns rewards for staying fit and healthy. Utilize these points for policy renewal.
• Annual health-checkups, on-call counseling and dietician advice from the inception of the policy.
• Earn more reward points by accessing live workouts and gym sessions on their app.
• Cashback and discount offers up to 25% on various lifestyle, travel and entertainment partners such as Amazon, PVR, Uber and Zomato.

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Sum Insured

Network Hospitals

Minimum and Maximum Entry Age

This policy is designed for senior citizens for the age of 60 years and beyond. Generally, other health plans have the maximum age bracket till 65 years, but the Star Health Red Carpet plan ensures coverage beyond this age limit. The policy tenure of this plan is of one, two and three years, which is available on individual and family floater basis. There is no requirement of any pre-medical screening before purchasing this policy.

Key Features:

• Sum insured coverage is available up to INR 25 lakh on individual basis and INR10 lakh to INR 25 lakh on a floater basis.
• No pre-insurance medical test required.
• Wide sum insured coverage up to INR 25 lakh.
• All day care procedures are covered.
• Premiums can be paid on a quarterly and half-yearly basis.
• Pre-existing illnesses are covered from the second year of the policy.
• Co-pay of 30% is applied for all claims.
• Wide coverage for daycare procedures and surgeries, modern treatments such as deep brain stimulation, robotic surgeries, intra vitreal injections, bronchial thermoplasty, and others, at network hospitals.
• Covers for cataract surgery up to certain limits based on the sum insured options.
• 5% discount on the online purchase of the plan.

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Sum Insured

Network Hospitals

Minimum and Maximum Entry Age

This policy is a comprehensive plan designed for women centric critical illness. It offers wide coverage against minor ailments, major illnesses, surgeries and critical illnesses related to women. We picked this plan in our list as it provides extensive coverage up to INR 24 lakh along with certain special benefits to women policyholders.

Women can opt for free second expert opinions, discounts up to 12.5% and great coverage during loss of job, pregnancy or at the times of newborn complications at an additional premium cost. This plan is global and thus its benefits are valid also across national boundaries.

Key Features:

• Plan coverage for all major cancer such as breast, cervix, uterus, fallopian tubes, ovary, vulva.
• Coverage for almost 40 critical ailments.
• Covers major and minor illnesses where 100% sum insured is offered in treating these diseases.
• Includes coverage for loss of job, pregnancy and newborn complication cover.
• Includes coverage for surgical procedures.
• Offers up to INR 10,000 for a second health opinion, as when the insured is not satisfied with the first diagnosis.
• In case of loss of job, the insured is entitled to receive 50% of monthly salary for a period of six months.
• Avail 5% discount for buying online policy, 7.5% discount on two years policy and 12.5% for three years policy.

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Sum Insured

Network Hospitals

Minimum and Maximum Entry Age

This policy is best-suited and specially designed for younger policyholders.. It provides comprehensive sum insured coverage, special discounts, no co-pay clause and new-age benefits like unlimited e-consultations, easy to use health portal, among others.

Key Features:

• 10% discount on renewals and 5% discount for purchasing the policy online.
• Covers OPD costs like doctor consultation and ophthalmic consultations.
• Optional coverage available for maternity and new-born.
• Access to health portal offers like chat with doctors, digital locker for health records, etc.
• Treatments related to AYUSH are covered.
• Avail no claim bonus for every claim free year up to a maximum limit of 200% of the sum insured.
• Annual health check-up once in a policy year.
• In patient hospitalization and modern treatment costs are covered as per the sum insured amount.
• Pre-hospitalization coverage for 60 days and post discharge coverage for 90 days.

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Sum Insured

Network Hospitals

Minimum and Maximum Entry Age

It is designed as a low-cost and pocket friendly health insurance plan, where the insured gets coverage from INR 3 lakh to INR 25 lakh at affordable rates. The policy has two different variants: Classic and Enhanced. With limited coverage, this policy provides a wide range of benefits including pre-and-post hospitalization expenses, ambulance charges, modern surgeries, mental disorders treatment costs, daycare surgeries and many more along with unlimited virtual sessions with listed doctors.

Key Features:

• Includes cashless coverage for hospitalization costs.
• Covers treatment of 30 days before hospitalization and 60 days after discharge.
• Coverage for the ambulance expenses up to INR 1,500 under the classic plan and up to INR 2,000 under enhanced plan.
• Addition of 10% in expiring sum insured in a policy year; maximum up to 100%, in a claim free year.
• Coverage of modern treatments up to the sum insured with sub-limit of INR 1 lakh on few robotic surgeries
• Covers mental disorders treatment up to the sum insured amount with sub- limit on some disorders.
• Covers expenses related to HIV or AIDS treatment of 10% of the sum insured up to a maximum of INR 50,000.
• Coverage for treatment under day care (treatments that do not need 24-hour hospitalization) and AYUSH.
• Avail personal accident cover, equal to five times of base sum insured and goes maximum up to INR 50 lakh.
• Avail critical illness cover, equal to base sum insured and goes maximum up to INR 10 lakh.
• Unlimited telephonic or online consultation.
• Option to add up to 150% of the sum insured amount under enhanced refill benefit.
• Avail hospital cash up to the maximum limit of INR 2,000 per day.

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Sum Insured

Network Hospitals

Minimum and Maximum Entry Age

The Reliance Health Gain Policy provides the maximum flexibility to the policyholder to choose their own cover and benefits as per their needs and requirements from a wide range of options. The policy is further divided into three plans: Plus, Power and Prime. Moreover, with no-age limit for a sum-insured up to INR 3 lakh, this policy is ideal for those senior citizens, who are sometimes devoid of a medical policy due to high age brackets. It also provides coverage to a family of up to 12 members in the same family floater policy.

Key Features:

• The policy has three variants such as:

1. Plus is ideal for individual policyholders buying health insurance for the first time.

2. Power is recommended for a family of four who needs an all-round protection.

3. Prime is a feature-rich plan for customers who are looking for wider coverage with maximum benefits.

• The sum insured ranges from INR 3 lakh to INR 1 crore.
• Extra Sum Insured Cover provides additional 20% of the sum-insured on exhaustion of the base insured amount.
• The insured receives 33.33% of the base sum-insured cumulative bonus up to a maximum of 100% in each claim-free year. And in case of a claim, the bonus gets decreased by 33.33% of the base sum insured.
• Provides coverage for modern treatment up to 100% of the basic sum insured.
• Provides unlimited refill of basic sum insured on the exhaustion of the coverage.
• Coverage for daily hospital cash and consumables expenses such as PPE kits, masks, gloves.
• Discount of 15% to healthy customers of 50 years of age with no pre-existing condition, for buying a long-term policy for two to three years.
• Provides 7% and 12% discount on the premium if the insured goes for a two- and three-years policy respectively.
• The policyholder has an advantage of enhancing the scope of coverage through various options such as smart covers, family care covers, convenience covers and preventive care covers.

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Sum Insured

Network Hospitals

Minimum and Maximum Entry Age

The ICICI Lombard Complete Health Insurance plan is a comprehensive health policy for an individual and for family, where the insured has the option to choose from a wide range of the sum insured amount as per medical requirement. The policy comes up with different sub-plans, which one can select on the basis of their needs.

It offers all the possible coverage with a sum insured limit up to INR 50 lakh. The best part about this plan is that it has no co-payment on the claims and the plan can be bought easily without any hassle of pre-medical check ups, if you are below the age of 45. Overall it offers great benefits with useful add-on features with a free look period of 15 days.

Key Features:

• Covers pre-existing diseases post two years from the policy start date, on a plan with sum insured INR 3 lakh and above.
• Covers the expenses for long-term hospitalization and post-discharge recovery through convalescence and hospital daily cash benefit.
• Offers Befit rider, which provides additional coverage of the OPD, requirements on a cashless basis such as doctor’s consultation costs, pharmacy bills, minor procedures, routine diagnostics and wellness therapies.
• No co-pay and no pre-medical check-up for policyholders till the age of 45.
• Two complimentary health check-up coupons every year for a family floater health insurance policy.
• Covers pre-existing diseases just after two years from the policy start date if one chooses a plan with sum insured INR 3 lakh or above.
• Costs related to AYUSH and day care treatments.
• Add-on benefits such as hospital daily cash, critical illness and donor expenses.
• The insured can call off the policy via written notice within 15 days of receiving the policy.
• Available in health shield, health shield plus, health elite and health elite plus plans. These plans are different to each other in terms of benefits, add-on features and the coverage amount.

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Sum Insured

Network Hospitals

Minimum and Maximum Entry Age

The Tata AIG Super Top Up plan is a comprehensive add- on policy. It aims to provide additional security, over and above the regular health plan at fairly affordable rates. This policy provides wider sum insured options along with several in-built benefits and optional benefits such as cumulative bonus, coverage for consumables and optional global cover. The policy is available for both for self and family.

This plan also comes up with massive discounts, where a policyholder in a family floater will receive: 20% discount for two members, 28% discount for three members and 32% for over three members. Similarly, on policy tenure, the insured will receive 5% discount on two-year tenure and 10% discount on three-year tenure.

Key Features:

• Coverage includes for pre and post hospitalization of 60 days and 90 days, respectively.
• Covers AYUSH treatment costs.
• Post two years of policy, coverage for vaccinations related to rabies and typhoid and for HPV and Hepatitis B.
• Cover up to six family members of the family, including spouse, three children, and parents.
• Cover the cost of consumables such as surgical items, medical aids or equipment, used during the hospitalization
• Get an additional bonus on the sum insured up to a maximum of 100% of the sum insured amount.
• Optional global cover.

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Sum Insured

Network Hospitals

Minimum and Maximum Entry Age

The Family Plus is a health insurance plan, which aims to provide wide-ranging coverage at a low price. The policy is designed especially for large families and it covers up to 19 relationships. It offers an exclusive benefit where each insured member of the family will have an individual sum insured apart from a floater sum insured. It includes several offerings like maternity benefit, reload benefit, no claim bonus and no restriction of entry age.

Key Features:

• A rare combination of individual and floater sum insured in the same policy
• Minimum of two members need to be covered, with no restriction on the maximum number.
• Coverage for pre- and post-hospitalization expenses, for 60 and 90 days, respectively.
• Coverage for the treatment of organ donor and day care procedure up to the sum insured amount.
• Costs related to vaccination due to animal bite is covered up to INR 5,000.
• Avail second opinion for diagnosis and treatment of 11 critical illnesses.
• No claim bonus which adds 20% additional sum insured for each claim free year.
• Maternity coverage for up to two deliveries, only if two adults are covered under the same family floater plan.
• Maternity cover will also include new born baby cover and vaccination for newborn in the first year.
• Provides nutritional allowance for mother, post discharge after delivery.
• AYUSH treatment costs are covered up to INR 30,000
• Hospital cash of INR 2,000 per day for 30 days, if the insured is hospitalized for more than two days.

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Sum Insured

Network Hospitals

Minimum and Maximum Entry Age

The Criti Care policy by Bajaj Allianz provides coverage against 43 critical diseases such as cancer, cardiac arrest, lung or liver transplant and others. This policy gives a lump sum cover to the insured at the time of the need. This policy is further divided into five plans: Cancer Care, Cardiovascular Care, Kidney Care, Neuro Care, Transplants Care and Sensory Organs Care.

Key Features:

• The policy tenure is between one, two and three years.
• 5% discount, if purchased online and during the policy renewal.
• The insured can avail 4% and 8% discount, if the policy tenure is two years and three years respectively.
• Lump sum payout of the sum insured, irrespective of the treatment expenses.
• All the stages of cancer or cancer of specific severity is covered.
• Avail additional 5% of the sum insured for physiotherapy care under specific conditions.

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Sum Insured

Network Hospitals

Minimum and Maximum Entry Age

IFFCO Tokio Family Health Insurance Policy is a great option if you are looking to cover your family with a limited sum insured value. This plan provides all possible coverage such as hospitalization expenses, daily allowance coverage, daycare surgeries, health check-ups and vaccination expenses, critical illnesses and AYUSH treatment cost with a sum insured value up to INR 30 lakh.

Apart from covering themselves, the policyholder can cover their spouse and dependent parent and children, brother, sister, brother-in-law, sister-in-law, nephew, niece or any other relation who is dependent or relatives living together.

Key Features

• Sum insured up to INR 30 lakh.
• Room rent and ICU charges are covered up to actuals.
• Coverage for ambulance charges is INR 2,500.
• Daily allowance coverage is up to INR 1,000.
• Covers almost 380+ daycare treatments.
• No medical Test up to age 60.
• Restoration of sum insured after a claim during the policy period.
• Daily allowance benefits up to a maximum of INR 1,000 per day.
• Covers pre-and-post hospitalization expenses.
• Receive no claim bonus discount for every claim free year.

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Sum Insured

Network Hospitals

Minimum and Maximum Entry Age

ACKO 1 Cr Platinum Health Plan is a new age plan which serves best if you buy it at an early age. You are eligible to purchase this policy any time after 18 years. The best thing about this plan is that it offers extensive coverage up to INR 1 crore with no hassle of waiting periods. It covers all the day care and home treatments along with hospitalization expenses.

The policy also offers various add-ons such as room rent waiver and doctor on-call at nominal additional cost. The policyholder is also entitled to receive annual preventive health check-up at no extra cost. This plan also offers various value-added services such as wellness coaches, fitness tracking, discounts on lab tests, home delivery of medicines.

Key Features

• No initial or disease specific waiting periods.
• Can insure up to six dependents, including two adults above 18 years old and children between the age of three months to 25 years.
• Individuals above the age of 45 years need to undergo pre-policy health checkup.
• Sum insured of INR 1 crore.
• Covers pre-and-post hospitalization expenses.
• Several add-ons such as doctor on-call, room rent waiver, waiting period waiver.
• Option to restore the INR 1 crore sum insured fully.
• Covers hospitalization expenses for listed critical illnesses from day one.
• Cover all kinds of day care treatment.
• Cover multiple road ambulance trips for each hospitalization.
• Cover the cost of airlifting in case of an emergency.