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Health Insurance

A health or medical insurance policy covers your medical expenses for illnesses and injuries including hospitalization, daycare procedures, ambulance charges, medical care at home, medicine costs, and more. It protects the individuals and families from financial burden arising out of medical expenses. Additionally, it helps you save taxes.

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Best Health Insurance Plans in India

Care Supreme Discounted
Care Health Insurance Limited

Cover your health with comprehensive coverage from Care health insurance you will get upto 20% online discount 20% sister Trust discount

Cover Amount

₹5 Lakh

Starting at
₹563/month
No Room Rent Limit
No Room Rent Limit
No Room Rent Limit
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View 6 more Plans from Niva Bupa
Star Comprehensive
Star Health Insurance

Plan provides a package of benefits - individual or family units for hospitalization with high room premium.

Cover Amount

₹5 Lakh

Starting at
₹563/month
No Room Rent Limit
No Room Rent Limit
No Room Rent Limit
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Add to Compare
Customize Plan
View 6 more Plans from Niva Bupa
HDFC ERGO
Optima Select
Star Health Insurance

Plan provides a package of benefits - individual or family units for hospitalization with high room premium.

Cover Amount

₹5 Lakh

Starting at
₹563/month
No Room Rent Limit
No Room Rent Limit
No Room Rent Limit
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Add to Compare
Customize Plan
View 6 more Plans from Niva Bupa
Aditya Birla
Elevate
Aditya Birla

Plan provides comprehensive health insurance with HD limit (for USD 60/64) with LTC sub-limits (₹%)

Cover Amount

₹5 Lakh

Starting at
₹227/month
No Room Rent Limit
No Room Rent Limit
No Room Rent Limit
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View 6 more Plans from Niva Bupa

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Significance of having a health insurance policy

As there has been constant progression in the healthcare infrastructure in India, so has been the cost of availing these healthcare facilities. Without health insurance, your wallet is in grave danger if you get sick. Here are the top reasons why you should buy health insurance in India.

Financial Security

A health insurance policy can free you and your family from any financial burden arising out of a medical emergency, illness or injury.

Peace of Mind

When you buy your loved ones are covered under a health insurance plan, you no longer need to think twice about the cost of getting the right treatment without a worry.

Quality Healthcare

With the support/help of medical treatment, a health insurance policy ensures that you get access to quality healthcare services.

Ailment Lifestyle

Having health insurance can reflect on your overall well-being and are likely to help you get timely care rather than waiting with severe illness.

Choosing a Health Insurance Plan
Factors to Consider

Sum Insured

Sum Insured is the maximum amount of total financial coverage given to you in a single policy year for hospitalisation and medical expenses.

Claim Settlement Ratio

The ratio between the number of claims settled to the number of claims raised in a given year by your insurance provider is called the health claim settlement ratio.

Network Hospitals

Network hospitals help you in getting cashless treatment conveniently as these hospitals have tie-ups with your insurer.

Waiting Period

Waiting period refers to the period during which you cannot raise any health insurance claim. (usually, min. 30 days from the day of taking insurance).

Add-on or Rider Benefits

Add-ons are supplements you can choose voluntarily by paying an extra premium at the time of your policy purchase.

Inclusions and Exclusions

Inclusions are the conditions for which you can make a claim, exclusions are the conditions for which you cannot make a claim.

Ideal Health Insurance Coverage

Health insurance coverage should be tailored to individual medical needs and circumstances. An ideal health insurance plan is usually suggested to have a sum insured equal to at least half of your annual income. You must check if it is sufficient to meet your medical expenses. Experts suggest buying a health cover of at least ₹10 lakhs to combat rising healthcare costs easily.

Ideal Health Insurance Sum Insured

Types of Plans Tier-1 City Tier-2 City Tier-3 City Why It Matters?
Individual Health Insurance Plan ₹10 lakh & above ₹5-10 lakh ₹5 lakh Covers basic medical needs, accidents and emergencies
Family Floater Health Insurance Plan ₹30 lakh & above ₹20 lakh & above ₹10 lakh & above Ideal for covering family lifestyle diseases and maternity expenses.
Senior Citizen Health Insurance Plan ₹20 lakh & above ₹15 lakh & above ₹10 lakh & above Crucial for chronic conditions, hospitalisation and regular medical care.

Disclaimer: The above sum insured is suggestive and may vary as per the age and medical needs of the people.