Top 10 Health Insurance Company In India - Best Features In Low Premiums
What Is Health Insurance?
Health insurance is a financial safety net that covers your medical expenses when you’re unwell or injured. It protects your savings from getting wiped out due to rising healthcare costs and gives you peace of mind knowing you’re covered.
Why Is Health Insurance Important?
With the skyrocketing cost of treatments, surgeries, and hospitalization, having health insurance isn’t just wise—it’s essential. A good health insurance plan covers hospital bills, pre and post-hospitalization costs, ambulance charges, and even critical illnesses in some cases.
Key Benefits of Buying Health Insurance in India
✅ Cashless hospitalization in network hospitals
✅ Tax benefits under Section 80D
✅ Annual health checkups
✅ Coverage for critical illnesses
✅ Family floater plans available
📌 Factors to Consider While Choosing a Health Insurance Company
Claim Settlement Ratio (CSR)
CSR tells you how many claims a company has settled versus how many it received. A CSR above 90% is considered reliable.
Network Hospitals
Always check how many hospitals are in the insurer’s network for cashless treatment options.
Customer Support and Reviews
24/7 support and positive customer feedback make a huge difference during emergencies.
Policy Customization Options
Some insurers allow you to add maternity cover, critical illness, room rent waiver, and other add-ons to your plan.
🏆 Top 10 Health Insurance Company in India
Here’s a breakdown of each insurance provider, their standout features, estimated premiums, and popular plans.
1. Star Health and Allied Insurance
Popular Policies:
Star Comprehensive Plan
Family Health Optima
Medi Classic Insurance
Pricing & Features:
₹7,000 – ₹15,000/year (individual, age 30)
No pre-acceptance medical test for most individuals
Lifetime renewability
Over 14,000+ network hospitals
👉 Visit Star Health
2. Niva Bupa Health Insurance (formerly Max Bupa)
Popular Policies:
Health Companion
ReAssure 2.0
Go Active
Pricing & Features:
₹6,000 – ₹13,000/year
Unlimited restoration of sum insured
Direct claim settlement (no TPA)
👉 Visit Niva Bupa
Top 10 Best LIC Plans -For Guaranteed Return (Click Here To Read)
3. HDFC ERGO Health Insurance
Popular Policies:
Optima Secure
My:Health Suraksha
Critical Illness Plan
Pricing & Features:
₹5,500 – ₹12,500/year
10,000+ network hospitals
No capping on room rent in higher plans
👉 Visit HDFC ERGO
4. ICICI Lombard General Insurance
Popular Policies:
Complete Health Insurance
Health Booster
Personal Protect
Pricing & Features:
₹6,800 – ₹14,000/year
Cashless claims in 6,700+ hospitals
Pre-existing diseases covered after 2 years
👉 Visit ICICI Lombard
5. Care Health Insurance (Religare)
Popular Policies:
Care Plus
Care Advantage
Care Freedom
Pricing & Features:
₹6,200 – ₹13,500/year
Maternity and newborn cover
Global cover available in top-tier plans
👉 Visit Care Health
6. New India Assurance
Popular Policies:
New India Mediclaim
Floater Mediclaim
Senior Citizen Mediclaim
Pricing & Features:
₹4,500 – ₹9,000/year
Government-owned company
Affordable plans, suitable for senior citizens
👉 Visit New India Assurance
7. Reliance General Insurance
Popular Policies:
Health Gain
Critical Illness Cover
Wellness Smart Plan
Pricing & Features:
₹5,800 – ₹12,000/year
Quick claim processing
Free annual health checkups
👉 Visit Reliance General
8. Tata AIG Health Insurance
Popular Policies:
MediCare
MediCare Premier
Critical Illness Policy
Pricing & Features:
₹6,500 – ₹13,800/year
Global coverage available
Covers robotic and daycare surgeries
👉 Visit Tata AIG
Top 10 Best LIC Plans -For Guaranteed Return (Click Here To Read)
9. Aditya Birla Health Insurance
Popular Policies:
Active Health Platinum
Active Assure Diamond
Activ Fit
Pricing & Features:
₹6,000 – ₹14,500/year
Earn wellness rewards
Chronic care and daycare procedures included
👉 Visit Aditya Birla Health
10. ManipalCigna Health Insurance
Popular Policies:
ProHealth Protect
Lifetime Health
Global Health Group Policy
Pricing & Features:
₹6,000 – ₹13,000/year
International emergency cover
Unlimited reinstatement of sum insured
👉 Visit ManipalCigna
📊 Comparison Table of the Top 10 Health Insurance Company in India
| Insurance Company | Starting Premium (₹/year) | Network Hospitals | Notable Features |
|---|---|---|---|
| Star Health | 7,000 | 14,000+ | Lifetime renewability, wide hospital network |
| Niva Bupa | 6,000 | 8,600+ | Unlimited restoration, direct claim settlement |
| HDFC ERGO | 5,500 | 10,000+ | No room rent cap, preventive health checkups |
| ICICI Lombard | 6,800 | 6,700+ | PED cover after 2 years |
| Care Health | 6,200 | 8,300+ | Global cover, newborn cover |
| New India Assurance | 4,500 | 3,000+ | Government-backed, senior citizen plans |
| Reliance General | 5,800 | 8,000+ | Free checkups, fast claims |
| Tata AIG | 6,500 | 7,500+ | Robotic surgery cover, global plans |
| Aditya Birla Health | 6,000 | 10,000+ | Wellness rewards, chronic care |
| ManipalCigna | 6,000 | 8,000+ | International cover, quick settlement |
🔗 Useful Links for Policy Comparison and Purchase
📘 Conclusion
Choosing the right health insurer isn’t just about price—it’s about trust, coverage, and support when you need it the most. The top 10 health insurance company in India offer various plans tailored to your lifestyle, budget, and health conditions. Start early, read the fine print, and ensure your loved ones are protected.
❓ FAQs on Health Insurance Companies in India
1. Which company is best for family health insurance?
Star Health, Care Health, and Niva Bupa offer excellent family floater policies.
2. Can I port my existing health policy to another company?
Yes, IRDAI allows portability with continuity benefits.
3. Do these companies cover COVID-19 treatment?
Yes, most policies now include COVID-19 coverage under IRDAI guidelines.
4. What’s the difference between individual and family floater plans?
Individual plans cover one person; floater plans cover the entire family under a single sum insured.
5. Are pre-existing diseases covered from day one?
No, there’s usually a waiting period of 2–4 years for pre-existing conditions.
Please don’t forget to subscribe us for more trending top 10 things in different fields.
Advertisement
Unbelievable Sale: Up to 90% Off on Our Digital Products!
Check These
Tata 1mg Clinically Validated Blood Pressure Monitor
Gold Plated Microcontroller for High Precision| Arm Movement Detection Technology| Dual Power Option – USB Type C & AA Battery, Black
(As an Amazon Associate, I may have earnings from qualifying purchases.)
Accu-Chek Active Blood Glucose Glucometer Kit
Accu-Chek Active Blood Glucose Glucometer Kit With Vial Of 10 Strips, 10 Lancets And A Lancing Device Free For Accurate Blood Sugar Testing
(As an Amazon Associate, I may have earnings from qualifying purchases.)
