Best Health Insurance Plans

Aditya Birla Activ One plan provides extensive medical coverage along with 100% HealthReturns to individuals and families leading a healthy lifestyle. The plan comes in seven variants – MAX, VYTL, NXT, VIP, VIP+, MAX+ and SAVR.

Features and Benefits:

• Coverage for hospitalization, home healthcare and domiciliary hospitalization are available
• Mental illness hospitalization, obesity treatment and HIV/AIDS & STD treatment are covered
• Emergency global cover, maternity cover and specific illness cover are available
• Annual health check-ups, claim protect and super reload benefits are available
• Optional covers, including cancer booster, critical illness cover and personal accident cover are available
• Annual screening for cancer-diagnosed patients and reduction in PED waiting period are also available as optional covers

Waiting Periods:

• Pre-existing disease waiting period 3 years or 4 years (Depending on the plan variant)
• Initial waiting period - 30 days
• Specific diseases/procedure waiting period 2 years

Bajaj Health Guard is a comprehensive health insurance policy that protects the insured against any major healthcare expenses that may create a financial burden. It comes in three variants – Silver, Gold and Platinum.

Features & Benefits :

• In-patient hospitalization, day care procedures and Ayurvedic/Homeopathic hospitalization expenses are covered
• Maternity benefit, convalescence benefit and bariatric surgery cover are available
• Daily cash for accompanying an insured child and preventive health check-up benefits are available
• Super cumulative bonus and recharge benefit are available under the Platinum variants only
• No pre-policy medical check-up is required for up to 45 years

Waiting Periods:

• Pre-existing disease waiting period - 3 years
• Specified disease/procedure waiting period - 2 years or 3 years
• Initial waiting period 30 days

Care Supreme plan provides maximum coverage to both individuals as well as families while ensuring unique wellness benefits and extra savings. Also, it provides a wide range of health insurance coverage to the insured including domiciliary hospitalization, alternative treatment, air ambulance cover and international second opinion.

Features and Benefits

• Coverage for in-patient hospitalization, domiciliary hospitalization and AYUSH treatment are available
• Pre-hospitalization, post-hospitalization and ambulance charges are covered
• Unlimited automatic recharge, health services and unlimited e-consultations are available
• Optional covers, including claim shield, annual health check-ups and instant cover are available
• Modification of the PED wait period, cumulative bonus super and wellness benefits are also available as optional covers

Waiting Periods:

• Initial waiting period - 30 days
• Pre-existing disease waiting period 4 years
• Named ailment waiting period 2 years

Cholamandalam Flexi Health is a flexible health policy that allows the policyholder to choose their medical coverage to gain more control over their healthcare.

Features and Benefits

• AYUSH treatment, hospitalization expenses and domiciliary hospitalization are covered
• Daily care benefit, sum insured restoration and recharge benefit are available
• Additional sum insured for a road traffic accident and medical second opinion are covered
• Newborn baby cover, health check-up benefits and cumulative bonus are available
• No room rent applies to the sum insured above ₹2 lakh

Waiting Periods:

• Initial waiting period - 30 days
• Specific diseases waiting period - 2 years
• Pre-existing illnesses waiting period 3 years

Digit Health Care Plus is a comprehensive health plan that covers the medical expenses incurred on a wide range of illnesses and treatments.

Features and Benefits

• Coverage for alternate treatment, hospitalization expenses and home hospitalization are available
• Cancer hospitalization, critical illness hospitalization and OPD expenses are covered
• Infertility treatment cover, maternity benefit and newborn baby cover are available
• Long hospitalization cash benefit, daily hospital cash cover and sum insured refill benefit are available

Waiting Periods:

• Prenatal and postnatal expenses
• Pre-existing diseases
• Hospitalization without doctor's recommendation

Generali Central (Formerly Future Generali) Health Absolute plan has been designed to promote physical and mental wellness. It covers medical expenses incurred on treatments and illnesses while offering wellness benefits, including annual health check-ups. It is available in three variants – Classic, Platinum and Signature.

Features and Benefits

• Hospitalization, OPD treatment and home healthcare expenses are covered
• Medical treatment abroad, patient care and emergency medical evacuation are available
• Maternity expenses, pre & post-natal expenses, infertility expenses and newborn baby expenses are covered
• Child vaccination benefits, wellness benefits and restoration of the sum insured are available

Waiting Periods:

• Pre-existing diseases waiting period 2 years
• Initial waiting period 30 days
• Listed conditions waiting period 2 years or 3 years

The Galaxy Promise plan provides comprehensive medical coverage to individuals and families against emergency and planned medical expenses. It is available in three variants – Premier, Elite and Signature.

Features & Benefits:

• Coverage for hospitalization expenses, cataract treatment and AYUSH treatments are available
• Bariatric surgery, newborn baby expenses and organ donor expenses are covered
• Premium waiver benefit for voluntary organ donation and premium promise benefit are available
• Home care treatment, delivery expenses and assisted reproduction treatment are covered under the Signature variant
• Treatment for sleep disorders & chronic severe refractory asthma and hospice care are also available under the Signature variant 
• Optional covers, including insta care cover, consumables cover, PED buy back and personal accident cover, are available

Waiting Periods:

• Pre-existing disease waiting period – 25 months or 3 years
• Specified disease/procedure waiting period – 1.5 years or 2 years
• Delivery expenses cover waiting period – 2 years or 4 years
• Assisted reproduction treatment waiting period – 2 years
• Newborn baby cover waiting period – 1 year
• Organ transplantation waiting period – 2 years
• Organ donor expenses waiting period – 2 years
• Sleep disorders treatment waiting period – 2 years
• Initial waiting period – 30 days

HDFC ERGO Optima Secure plan safeguards your present as well as future medical expenses by offering 4x coverage for an affordable cost. It offers 2x coverage from day 1 with the Secure benefit, 100% increase in sum insured in 2 years with the Plus benefit, 100% restore benefit and 100% coverage on non-medical expenses with the Protect benefit. The plan is available in five variants – Suraksha, Secure, Super Secure, Secure Global and Secure Global Plus.

Features & Benefits:

• Coverage for in-patient, pre-hospitalization and post-hospitalization expenses are available
• AYUSH treatment, home healthcare and e-opinion for critical illness are covered
• Secure benefit, Plus benefit, Protect benefit and Restore benefit are available
• Preventive health check-ups, global health cover and cumulative bonus are available
• No room rent limit is applicable

Waiting Periods:

Claims arising due to the following circumstances are not covered:

• Pre-existing disease waiting period - 3 years
• Specific disease waiting period - 2 years
• Initial waiting period - 30 days

The ICICI Lombard Elevate plan provides unlimited medical coverage against a wide range of medical expenses. It offers infinite care by allowing policyholders to claim an unlimited amount once in the policy lifetime while also offering PED coverage from day 31 with the Jumpstart benefit.

Features & Benefits:

• In-patient treatment & AYUSH hospitalization and domiciliary hospitalization are covered 
• Bariatric surgery and in-patient treatment for surrogate mother & oocyte donor are available
• Optional covers, such as JumpStart benefit, infinite care, power booster, claim protector, etc., are available
• Maternity benefit, worldwide cover, annual health check-ups and critical illness cover are also available as optional covers

Waiting Periods:

• Initial waiting period – 30 days
• Specified disease/procedure waiting Period – 2 years
• Pre-existing disease waiting period – 3 years
• Diabetes/ hypertension/ cardiac conditions waiting period – 90 days
• Critical Illness waiting period – 90 days
• Maternity benefit waiting period – 2 years
• Bariatric surgery cover waiting period – 2 years
• Worldwide cover waiting period for non-accidental claims – 2 years

IFFCO Tokio Individual Health Protector plan offers coverage against planned and emergency hospitalization expenses to individuals resulting from any illness or injury.

Features & Benefits:

• In-patient treatment, AYUSH hospitalization and domiciliary hospitalization are covered
• Daily allowance, emergency assistance services and terrorism cover are available
• Vaccination expenses, day care treatments and modern treatments are covered
• Preventive health check-ups, cumulative bonus and wellness services are available

Waiting Periods:

• Initial waiting period - 30 days
• Pre-existing disease waiting period - 3 years
• Specific disease waiting period - 1 year
• Diabetes/ hypertension waiting period - 90 days

Liberty HealthPrime Connect plan extensively covers the medical expenses incurred on the treatment of an injury or an illness. It is available in three variants - Essential, Optimum and Optimum Plus.

Features and Benefits:

• Hospitalization expenses, including pre and post-hospitalization expenses are covered
• Maternity & childcare, infertility treatment and nursing allowance are available
• Day care procedures, obesity treatment and laser eye surgery are covered
• Hospital daily cash allowance, restoration of the sum assured, AYUSH treatment and emergency assistance services are available
• OPD cover, worldwide coverage, critical illness cover and personal accident cover are available as optional covers

Waiting Periods:

• Pre-existing diseases waiting period - 3 years or 4 years
• Initial waiting period - 30 days
• Specific disease waiting period - 1 year or 2 years

Magma HDI OneHealth plan provides comprehensive coverage to the insured for a wide range of healthcare expenses and treatments. The plan is available in five variants - Support, Secure, Support Plus, Shield and Premium.

Features & Benefits:

• Coverage for worldwide emergency hospitalization, OPD expenses and in-patient treatment are available
• Home treatment, psychiatric treatment, LASIK surgery and HIV/AIDs treatment are covered
• Maternity benefit, IVF treatment, convalescence benefit and hospital cash are available
• Air ambulance services, AYUSH treatment and bariatric surgery are covered
• Companion benefit, loss of income benefit and early joining benefit are available
• Optional covers, such as global cover, critical illness cover and personal accident cover are available
• Bonus booster, non-payable expense cover, reduction of PED waiting period, etc., are available as optional covers

Waiting Periods:

• Initial waiting period - 30 days
• Specific disease waiting period - 2 years
• Pre-existing disease waiting period - 2 years, 3 years, 4 years

ManipalCigna ProHealth Prime plan has been designed to provide medical coverage while promoting a healthy and active lifestyle. The plan covers PED diabetes, hypertension, asthma, obesity and dyslipidemia from day 91.

Features and Benefits:

• Hospitalization expenses, AYUSH treatment and day care procedures are covered
• Convalescence benefit, premium waiver benefit and daily cash for shared accommodation are available
• Domiciliary treatment, mental illness, HIV/AIDS & STD and domestic second opinion are covered
• Restoration of the sum insured, cumulative bonus and wellness program are available
• Worldwide accidental emergency hospitalization, non-medical items and health check-up benefit are available as optional covers

Waiting Periods:

• Initial waiting period - 30 days
• Specific disease/procedure waiting period - 2 years
• Pre-existing disease waiting period - 2 years
• Waiting period for PED asthma, diabetes, obesity, hypertension and dyslipidaemia - 90 days
• Mental illness waiting period - 2 years

National Mediclaim Plus plan offers a number of lucrative coverage benefits that can come in handy during a planned hospitalization or medical emergency. It is available in three variants - Plan A, Plan B and Plan C.

Features and Benefits:

• Coverage for hospitalization, day care procedures and Ayurveda & homeopathy are available
• Maternity expenses, morbid obesity and medical second opinion are covered
• Medical emergency reunion, cumulative bonus, health check-ups and adventure sports cover are available
• Outpatient treatment and critical illness are covered as optional covers

Waiting Periods:

• Pre-existing diseases waiting period - 3 years
• Specific disease/procedure waiting period - 90 days, 1 year, 2 years, 4 years
• Initial waiting period - 30 days
• Morbid obesity waiting period - 4 years
• Refractive error cover waiting period - 2 years

New India Assurance Yuva Bharat Health policy has been designed to cover the healthcare needs of people up to the age of 45 years. It is available in three variants - Base plan, Gold plan and Platinum plan.

Features and Benefits:

• In-patient hospitalization, cataract treatment and mental illness are covered
• Maternity cover, critical care benefit and personal accident benefit are available
• Congenital disease treatment, infertility treatment and medical second opinion are covered
• Birth right benefit, well baby cover and hazardous sports cover are available
• Cost of health check-up, modern treatments and genetic diseases are covered
• Auto top up, reinstatement of the sum insured and cumulative bonus are available
• No pre-policy medical check-up is required

Waiting Periods:

• Pre-existing diseases waiting period - 2 years
• Initial waiting period - 30 days
• Specific disease waiting period - 90 days, 1 year, 2 years

Niva Bupa ReAssure 3.0 plan comes with a unique benefit of letting the policyholder choose an unlimited sum insured. Its ReAssure Forever feature restores the sum insured unlimited times during the policy’s lifetime (after the first claim). It pays for expenses incurred on modern treatments, day care procedures, air ambulance, vaccinations, etc. along with 2 hours of hospitalization coverage.

Features and Benefits:

• In-patient hospitalization, AYUSH treatment, home care and second medical opinion are covered
• Expenses for road and air ambulances and unlimited e-consultations are provided
• The policyholder gets the option to lock the premium amount at the time of policy purchase
• An option to carry forward the unutilized sum insured to the next policy year is provided
• The policyholder can modify the initial waiting period as well as the waiting time for pre-existing diseases and specific illnesses.
• Optional cover for non-medical expenses, co-payment, annual health check-ups, personal accident and hospital daily cash are available
• Global health cover for planned and unplanned medical treatments anywhere in the world is provided
• Third medical opinion, compassionate visit, flight mode and dependent accommodation benefit are also available as optional covers

Waiting Periods:

• Pre-existing disease waiting period - 3 years
• Specific disease/procedure waiting period - 2 years
• Initial waiting period - 30 days
• Critical illness waiting period - 90 days
• Personal waiting period - 4 years

Example (if and when needed)

For instance, if your sum insured is of ₹10 lakh and you raise the first claim of ₹5 lakh. Now, your remaining sum insured per the policy is ₹5 lakh. And if your second claim is of ₹8 lakh, technically only ₹5 lakh will be covered by the insurer, and you will have to bear the burden of ₹3 lakh from your own pocket.

But, with the ReAssure Forever benefit, the insurer will cover the full claim amount of ₹8 lakh (as this is up to your original sum insured of ₹10 lakh). All your claims will be processed in a similar manner for every admissible claim.

Oriental Happy Family Floater plan has been tailor-made to cover the healthcare expenses of the entire family. The plan comes in four variants - Silver, Gold, Diamond and Platinum.

Features and Benefits:

• Coverage for in-patient treatment, mental illness and AYUSH treatment are available
• Maternity expenses, newborn baby expenses and Assisted reproduction technique are covered
• Hospital daily cash allowance, medical second opinion and patient’s attendant allowance are available
• OPD benefit for dental & ophthalmic cover, personal accident cover and an additional sum insured for critical illness treatment are available under the Platinum plan
• No pre-policy medical test is required for up to 55 years

Waiting Periods:

• Pre-existing disease waiting period - 4 years
• Specific disease waiting period - 90 days, 1 year, 2 years, 4 years
• Initial waiting period - 30 days
• Maternity cover waiting period - 2 years

Raheja Health QuBE Insurance plan provides comprehensive medical coverage to customers during an unforeseen or planned hospitalization. It is available in four variants - Basic, Comprehensive, Super Saver and A La Carte.

Features and Benefits:

• In-patient hospitalization along with pre-post hospitalization expenses are covered
• Daily allowance, recharge benefit, no claim bonus and sum insured increase benefit are available
• Non-medical expenses and medical check-ups are covered
• Sub-limit waiver is available as an optional cover

Waiting Periods:

• Initial waiting period - 30 days
• Specific ailments/ conditions waiting period - 2 years
• Pre-existing diseases waiting period - 4 years

IndusInd (formerly Reliance) Health Gain policy offers a wide range of new-age benefits while allowing customers to customize their plans to meet their health requirements. The plan comes in three variants - Plus, Power and Prime.

Features and Benefits:

• Hospitalization expenses, modern treatments and domiciliary hospitalization are covered
• Waiver of premium, accidental death cover and loyalty cover are available
• Policy service guarantee, claim service guarantee and wellness services are covered
• Optional covers like child care cover, hospital cash, home care treatment and companion cover are available
• Consumables cover, guaranteed cumulative bonus, health check-up benefit and double cover are also available as optional covers
• No room rent limit is applicable

Waiting Periods:

• Initial waiting period - 30 days
• Pre-existing disease waiting period - 3 years
• Specific disease waiting period - 2 years
• COVID-19 waiting period - 15 days

Royal Sundaram NeXT Gen Health Insurance is a one-of-a-kind health plan that allows customers to take charge of their healthcare and choose the coverage they need.

Features & Benefits:

• In-patient hospitalization, domiciliary treatment and day care treatments are covered
• No Claim Bonus, annual health check-ups and reload benefit are available
• Organ donor cover and ambulance cover, including app-based cab cover are available
• Optional covers, such as ABCD cover, maternity discount and OPD cover are available
• Consumables cover, treatment at home and room rent multiplier are also available as optional covers
• No room rent limit is applicable

Waiting Periods:

• Pre-existing illnesses waiting period - 4 years
• Initial waiting period - 30 days
• Specific disease waiting period - 2 years
• Personal waiting period - 4 years

SBI Arogya Supreme is a comprehensive health plan that covers the medical expenses and treatments of your entire family. The policy comes in three variants - Pro, Plus and Premium.

Features & Benefits:

• Coverage for in-patient hospitalization, alternative treatment and domiciliary hospitalization are available
• Psychiatric illness, HIV, bariatric surgery, internal congenital anomaly and genetic disorders are covered
• Domestic emergency assistance services, recovery benefit and e-opinion are available
• Preventive health check-ups, cumulative bonus and sum insured refill benefit are available
• Optional covers like any room upgrade, major illness benefit, hospital cash, etc., are available
• Additional sum insured for accidental hospitalization and NCB protector are also available as optional covers

Waiting Periods:

• Generic policy waiting period - 30 days
• Specific illnesses waiting period - 2 years
• Pre-existing disease waiting period - 4 years
• Hypertension, diabetes and cardiac condition waiting period - 90 days
• Major illness benefit waiting period - 90 days
• COVID-19 waiting period - 15 days
• Internal congenital anomaly waiting period - 2 years
• Cataract cover waiting period - 2 years

Star Smart Health Pro plan allows the policyholder to pay only for the coverage they need, giving them more flexibility while choosing their ideal health plan.

Features & Benefits:

• Hospitalization expenses, home care treatment and AYUSH treatment are covered
• Annual health check-ups, automatic restoration of the sum insured and wellness discount are available
• Newborn baby treatment, air ambulance and day care treatments are covered
• Optional covers, such as cumulative bonus booster and consumables cover are available
• Unlimited automatic restoration of sum insured and reduction of the PED waiting period are also available as optional covers
• No room rent limit is applicable

Waiting Periods:

• Initial waiting period - 30 days
• Specific conditions/ surgeries/ treatments waiting period - 2 years
• Pre-existing diseases waiting period - 4 years

Tata AIG MediCare Plus is a top-up health insurance plan that provides financial assistance to policyholders when their base policy is exhausted. The deductible options range from ₹2 lakh to ₹20 lakh, depending on the chosen sum insured.

Features & Benefits:

• Coverage for in-patient treatment, including dental treatment, are available
• Second opinion, domiciliary treatment and day care procedures are covered
• Consumables benefit, preventive health check-ups and cumulative bonus are available
• Global cover is available as an optional cover
• No pre-policy medical check is required for up to 45 years

Waiting Periods:

• Initial waiting period - 30 days
• Listed illnesses/ treatments waiting period - 2 years
• Pre-existing disease waiting period - 3 years

United India Individual Health Insurance plan covers healthcare expenses of an individual arising out of a planned or emergency medical treatment. It is available in three variants - Platinum, Gold and Senior Citizen.

Features and Benefits:

• Coverage for in-patient, pre-hospitalization and post-hospitalization expenses are available
• Cost of health check-ups, modern treatments and day care treatments are covered
• Daily cash allowance on hospitalization and road ambulance are available as optional covers

Waiting Periods:

• Pre-existing disease waiting period - 4 years
• Specific disease/ procedure waiting period - 2 years, 4 years
• Initial waiting period - 30 days

Universal Sompo Complete Healthcare Insurance plan has been designed to cover the treatment expenses of individuals and families resulting from illness or injury.

Features & Benefits:

• Hospitalization expenses, OPD treatment and accidental dental treatments are covered
• Mother & child care benefits, convalescence benefit and restore benefit are available
• Domiciliary hospitalization, health check-ups and vaccination expenses are covered
• Optional covers, such as personal accident cover, global cover, critical illness cover, premium waiver, etc., are available
• Rest cure, rehabilitation & respite care, non-medical items cover, hospital daily cash, etc. are also available as optional covers

Waiting Periods:

• Pre-existing illnesses waiting period - 3 years
• Initial waiting period - 30 days
• Specific disease waiting period - 1 year
• Maternity expenses waiting period - 3 years
• OPD treatment waiting period - 3 years
• Internal congenital diseases waiting period - 2 years
• External congenital diseases waiting period - 3 years

Zuno Health Insurance plan provides extensive coverage to individuals and families during accidental or planned hospitalization. The policy comes in three variants - Silver, Gold, and Platinum.

Features and Benefits:

• Hospitalization expenses, AYUSH treatment and day care treatments are covered
• Maternity benefit, hospital daily cash, recovery benefit and critical illness cover are available
• Shared accommodation benefit, health check-ups, restoration benefit and no claim bonus are available
• Recharge benefit and voluntary co-payment are available as optional covers

Waiting Periods:

• Initial waiting period - 30 days
• Specified disease/ procedure waiting period - 2 years
• Diabetes, cardiac conditions & hypertension waiting period - 90 days
• Pre-existing disease waiting period - 2 years, 3 years, 4 years (Depending on the variant)
• Maternity benefit waiting period - 4 years

Zurich Kotak Health Premier plan is a comprehensive health insurance policy that offers both medical coverage and value-added benefits to the insured. The plan is available in seven variants – Standard, Advantage, Edge, Elite, Absolute, 360 and Total.

Features & Benefits:

• Coverage for hospitalization expenses, second e-opinion and alternate treatment are available
• Maternity expenses, newborn baby treatment and vaccination expenses are covered
• Convalescence benefit, home nursing benefit and hospital daily cash are available
• Air ambulance, domiciliary hospitalization and organ donor expenses are covered
• Restoration benefit, cumulative bonus and annual health check-ups are available
• Critical illness cover and personal accident cover are available as optional covers

Waiting Periods:

• Initial waiting period - 30 days
• Specific disease waiting period - 2 years
• Pre-existing disease waiting period - 1 year, 2 years, 3 years, 4 years
• Maternity benefit waiting period - 3 years
• Critical illness waiting period - 90 days