Best Health Insurance Plans in India 2024
Compare the top health insurance plans from leading insurers. Analyze coverage, premiums, claim ratios, and find the perfect plan for your family's health protection.
Top Health Insurance Plans Comparison
Compare leading plans based on coverage, features, and value for money
| Insurer | Plan Name | Sum Insured | Network | Claim Ratio | Rating | |
|---|---|---|---|---|---|---|
| Star Health | Family Health Optima | ₹10-25 L | 14,000+ | 82.4% | 4.7 | View |
| HDFC Ergo | my:health Suraksha | ₹5-75 L | 12,000+ | 86.5% | 4.6 | View |
| ICICI Lombard | Health AdvantEDGE | ₹3-1 Cr | 11,000+ | 84.2% | 4.6 | View |
| Care Health | Care Supreme | ₹5-1 Cr | 15,000+ | 85.3% | 4.5 | View |
| Niva Bupa | Health Companion | ₹5-1 Cr | 10,000+ | 83.1% | 4.5 | View |
Featured Plans Detailed Review
Family Health Optima
Sum Insured
₹10-25 L
Premium
₹8,000-15,000/year
Key Features:
- No claim bonus up to 50%
- No pre-medical check-up till 50 years
- Automatic restoration
- Cover for day care procedures
my:health Suraksha
Sum Insured
₹5-75 L
Premium
₹7,000-18,000/year
Key Features:
- Daily cash benefit
- No room rent limit
- No claim bonus
- Vaccination cover
Health AdvantEDGE
Sum Insured
₹3-1 Cr
Premium
₹6,500-20,000/year
Key Features:
- Global coverage
- Wellness rewards
- OPD cover
- No sub-limits
How to Compare Health Insurance Plans
Sum Insured Options
Check if the insurer offers the coverage amount you need. Higher sum insured options provide flexibility as your needs grow.
Network Hospitals
More network hospitals mean better cashless accessibility. Check for hospitals near you and preferred healthcare providers.
Claim Settlement Ratio
Look for claim settlement ratio above 80% and quick turnaround time. Higher ratio indicates reliable claim processing.
Waiting Period
Shorter waiting periods are better. Initial waiting of 30 days, pre-existing disease cover in 2-3 years is standard.
Sub-limits & Co-pay
Avoid policies with room rent limits or co-payment clauses. These increase out-of-pocket expenses during claims.
No Claim Bonus
Check NCB structure - some offer 50-100% bonus for claim-free years. This increases effective coverage without extra premium.
Frequently Asked Questions
Learn More About Health Insurance
Compare Plans Side by Side
Use our comparison tool to analyze multiple plans, check premiums, and find the best health insurance for your family.