Even Health Insurance Review

At Ditto, we have reviewed more than 200 policies, and one of the most common limitations we see is the lack of comprehensive OPD benefits. This becomes an issue because it often leads to significant out-of-pocket expenses for the insured, such as doctor consultations, diagnostic tests, etc.

Founded in 2020, Even Healthcare aims to address this gap by offering OPD benefits alongside health insurance, creating more well-rounded coverage.

In this article, we will discuss the plans it offers, their pros and cons, and the associated premiums.

Plans Provided by Even Health Insurance 

Plans Without Health Insurance

• Even Care
  This is the cheapest plan among these options, and is best suited for people who are mainly looking for telemedical consultations. It offers 24x7 unlimited telemedical consultations and access to a personal care team. 

Plans with Health Insurance

01

Even Plus

It’s a group health insurance with Magma General Insurance , with OPD benefits by Even. Cover up to ₹1 crore available with entry age up to 65 years. You get OPD benefits worth up to ₹10 lakhs. These benefits include 24x7 personal care team, unlimited teleconsultations with Even doctors, scans and tests at Even-approved facilities, and in-person consultations at recommended clinics and doctor practices. Limits include a Private AC room restriction, with a 50% co-pay and disease-wise sub-limits applicable only for certain conditions/procedures like Robotic Surgery.

02

Even Essential

Think of it as Even Plus, minus the OPD benefits. For OPD, this plan only offers 24x7 unlimited telemedical consultations and access to a personal care team.

03

Care Supreme

Even Health Insurance has partnered with Care Health to provide the Care Supreme retail health plan as well. Optionally, for OPD benefits, you can add an ‘Even Lite’ membership on top. It covers the same ₹10 Lakh worth of OPD benefits offered in Even Plus. However, this is removable at the time of renewal.

04

Digit Even Protect Plan

Another retail plan offered through Even Health Insurance in partnership with Digit General Insurance. Along with in-patient benefits like hospitalisation and restoration, it also covers maternity and newborn care after a 1-year waiting period (within limits), mental health treatment, and health check-ups. You can also add the ‘Even Lite’ membership for OPD benefits of up to ₹10 lakh.

Note: In cases of OPD tests and scans being conducted out of the Even network or service areas, a 50% co-payment shall be applicable on a reimbursement basis.

 Benefits of Even Health Insurance Plans

• Extensive OPD Coverage
  Even plans offer some of the most comprehensive OPD benefits in the market. They cover a wide range of tests and scans like MRI, CT scans, and blood tests, along with doctor consultations, including with specialists of your choice.
• Prevention Over Cure
  Even’s focus is on early detection. OPD benefits and preventive health check-ups are designed to spot health issues early, before they turn serious or expensive.
• Retail Health Plan Options
  Even also offers retail health insurance plans. These come with long-term advantages like lifetime renewability, portability, and protection from sudden changes in policy terms.
• Flexibility
  The plans are flexible. For example, the ‘Even Lite’ memberships can be removed at the time of renewal if you no longer need OPD benefits.

Things to Keep in Mind About Even Health Insurance Plans

• Pricing Considerations: Even’s plans place a strong emphasis on OPD services, which can be valuable for frequent consultations and diagnostics. That said, the overall cost may feel higher for some buyers, especially if OPD usage is limited. For instance, for a 25-year-old in Delhi, the ‘Even Lite’ OPD membership costs around ₹9,492 per year. Whether this represents good value depends largely on how often you expect to use OPD benefits.
• Plan Options: Even works with a relatively small set of partner insurers. While not inherently negative, it also means you may miss out on plans elsewhere that better match your health history, city, or budget if you don’t compare broadly.
• Claim Experience Depends on the Insurer: Claims are ultimately settled by the partner insurers, not Even. Claim experience can therefore vary depending on which insurer underwrites your policy. For reference, recent three-year average claim settlement ratios differ across partners—Digit General Insurance at 98.66%, Care Health Insurance at 93.13%, and Magma General Insurance at 89.38%. This makes it worth checking which insurer is backing the specific plan you’re considering.
• Group Versus Retail Structure: Even Plus is a group health plan, while Care Supreme and Digit Even Protect are retail plans. Group plans can offer flexibility and attractive pricing initially, but their premiums and benefits may change annually or at renewal, and coverage continuity depends on ongoing insurer partnerships. They can work well for short-term needs, though buyers seeking  long-term stability may prefer retail plans.

Note: Premiums shown are for a person residing in Delhi. However, discounts may be available from time to time, or if you are a female, a non-smoker, or have a good credit score.

Why Choose Ditto for Health Insurance?

At Ditto, we’ve assisted over 8,00,000 customers with choosing the right insurance policy. Why customers like Pallavi below love us:

• No-Spam & No Salesmen
• Rated 4.9/5 on Google Reviews by 15,000+ happy customers
• Backed by Zerodha
• Dedicated Claim Support Team
• 100% Free Consultation

Confused about the right insurance? Speak to Ditto’s certified advisors for free, unbiased guidance. Book your call now, slots fill up fast!

Ditto’s Take on Even Health Insurance

Before choosing an Even plan, take a moment to assess your needs. These plans are OPD-heavy, so consider how often you are likely to use OPD services and whether Even’s network providers are easy for you to access. 

Since premiums tend to be higher due to bundled OPD services, it’s a good idea to compare plans with standard health insurance plans that focus primarily on hospitalisation. It’s also worth checking the intermediary’s track record, as good claim support is just as important as a smooth buying experience. As always, read the policy wording carefully to understand what is covered, what is not, and how to avail benefits, so you can avoid surprises later on.

Note: Ditto, too, is an IRDAI-licensed Corporate Agent (Licence No. CA0738, valid till 9 December 2026), with insurance advisory as primary business. Our focus is on suitability checks, long-term servicing, documentation support, renewals, and claims assistance. This allows us to support you throughout the entire life of your policy. 

Conclusion

Even plans focus on early diagnosis and prevention, offering a mix of OPD and health insurance across multiple products. Benefits include coverage for tests and scans, along with free telemedical and in-person consultations, paired with either group or retail health insurance.

Whether a plan suits you ultimately depends on factors like your budget, age, pre-existing conditions, and the availability of Even’s network in your city. Comparing options carefully and choosing the best plan that offers comprehensive coverage for your needs at a price you’re comfortable with can help ensure the policy works well for you over time.