Even Health Insurance Review

Choosing the right health insurance plan can be overwhelming, especially with new-age providers like Even Healthcare blending healthcare services with insurance. Understanding how Even Health Insurance works is essential to determine if it fits your needs. In this deep dive, we’ll break down Even’s membership plans, coverage benefits, limitations, and how it compares to traditional health insurance options in 2025—helping you make an informed decision.

The “best” plan can vary based on your individual needs, so it’s critical to do personal research or, better yet, speak to one of Ditto’s IRDAI-certified experts and get solid insurance advice. Book a call today to enjoy the ultimate policy buying experience.

Even Healthcare Overview

Even Healthcare is a healthcare provider based out of Bengaluru that offers 24/7, unlimited consultations with its in-house clinical and wellness team. It was founded in 2020 by Mayank Banerjee, Matilde Giglio, and Alessandro Lalongo. It provides treatment for short-term illnesses, ongoing health support, and chronic disease management to help members stay healthy and avoid hospital visits. Services are accessible online across India or through Even Clinics in Bengaluru. Members can also opt for group insurance, including OPD (for external consultations and diagnostics) and IPD (for hospitalizations and emergencies), through its insurance partner, Magma HDI. 

Now, Even Healthcare itself is not registered as an insurance company under IRDAI; however, its subsidiary, Euston Insurance Advisors Pvt. Ltd., is an IRDAI-registered Corporate Agent authorized to sell insurance policies. The company is backed by Alpha Wave, Khosla Ventures, Lightrock India, and 7 other investors.

How Does Even Provide Health Insurance?

Even provides a blend of healthcare services and insurance solutions. Its primary focus is on preventive and managed care, ensuring that members receive medical attention before serious health issues arise. By integrating unlimited consultations and personalized care, Even aims to reduce unnecessary hospitalizations while offering coverage options for outpatient and inpatient needs.
Even functions as a registered clinical establishment that employs evidence-based medical protocols to support members' health. Its in-house medical team helps detect, manage, and prevent chronic diseases, ensuring long-term well-being. Services include consultations with general physicians, specialists, psychologists, physiotherapists, and nutritionists.

Even Health Insurance Plans

Even offers three membership plans tailored to different healthcare needs. Let’s explore them:

1. Even Plus provides the most comprehensive coverage, including group insurance with up to ₹1 Cr family health insurance coverage, free diagnostics, unlimited consultations, and a 24x7 personal care team. Members also get cashless hospitalization under group insurance, tax savings under Section 80D, free specialist consultations, emergency care, and COVID-19 coverage.
2. Even Essential includes group insurance, covers free consultations, and has a 24x7 personal care team. It also offers cashless hospitalization under group insurance and tax benefits under Section 80D, making it a balanced option for those seeking essential coverage.
3. For those looking for primary healthcare access, Even Care offers free consultations with Even doctors and a 24x7 personal care team. While it doesn’t include group insurance, it ensures that members receive expert medical advice whenever needed.

Pros and Cons of Even Health Insurance Plans

Pros of Even Health Insurance Plans:

Even Healthcare offers a unique blend of medical services and insurance, making healthcare more accessible and preventive rather than just reactive.

• Unlimited access to in-house doctors and specialists – Even Healthcare members can consult in-house doctors and specialists as often as needed, ensuring continuous medical support without additional costs.
• Preventive care focus helps manage chronic conditions early – Even prioritizes proactive healthcare with free diagnostics, regular check-ups, and lifestyle management, helping members prevent and control chronic conditions before they escalate.
• Seamless integration of healthcare and insurance benefits – Even combines medical services with group insurance, offering a hassle-free experience where consultations, diagnostics, and cashless hospitalizations are covered under one plan.

Cons of Even Health Insurance Plans:

While Even Health Insurance offers comprehensive healthcare services, it does have some limitations that potential members should consider.

• Even is not a standalone health insurance provider – Since Even Healthcare is not an IRDAI-registered insurer, its health insurance offerings are available only through its group insurance partner, Magma HDI.
• Insurance coverage is only available under group plans, limiting flexibility – Even Healthcare’s insurance benefits are provided through a group insurance policy, which means members do not have individual control over their coverage. The policy is owned by Even (the master policyholder), and members are the only beneficiaries. This setup can be restrictive, as members cannot customize their plans or choose different coverage options based on their needs.
  
  Additionally, the group insurance plan is tied to Even’s partnership with Magma HDI, and any changes in this tie-up could affect coverage terms. Unlike individual health insurance policies, which offer lifelong renewability, Even’s group insurance coverage depends on continued membership and the company’s contractual arrangements. This lack of flexibility makes it less reliable for long-term financial protection against medical expenses.
• Limited availability of in-person clinics outside Bengaluru – While Even provides online healthcare services across India, its physical clinics are currently limited to Bengaluru, restricting access to in-person consultations for members in other cities.

While Even Healthcare offers a seamless blend of medical services and insurance, its group-based model and limited physical presence may not suit everyone. If you're looking for a more flexible, standalone health insurance plan with broader coverage options, here are some of the best health insurance plans in 2025.

Best Health Insurance Plans in 2025

If you feel like Even’s group insurance plans may not be the ideal fit for you, you can explore the following standard health insurance plans:

HDFC ERGO Optima Secure: HDFC ERGO Optima Secure comes with a sum insured waiting period of 2 years and a pre-existing disease (PED) waiting period of 3 years, which can be reduced using an add-on. It offers extensive pre- and post-hospitalization coverage of 60 and 180 days, respectively. The plan includes a restoration benefit of 100% of the base sum insured once a year, with a cost-effective add-on that can make it unlimited. The renewal bonus is 50% per annum, up to 100%, regardless of claims. A unique feature of this plan is the Secure Benefit, which doubles the coverage from day one. With a vast network of over 13,000 hospitals, a Claim Settlement Ratio (CSR) of 98%, and an Incurred Claim Ratio (ICR) of 86%, this plan provides strong financial security for policyholders.

Care Supreme: Care Supreme offers a sum insured waiting period of 2 years and a PED waiting period of 3 years, which can be reduced with specific add-ons. The plan includes pre- and post-hospitalization coverage of 60 and 180 days, respectively. Restoration benefits allow policyholders to restore up to the base sum insured an unlimited number of times. The renewal bonus is 50% per annum, up to 100%, and an add-on can increase it to 100% per annum, up to 500%, irrespective of claims. With 11,400+ network hospitals, a CSR of 90%, and an ICR of 59%, Care Supreme is a great choice for those seeking high restoration benefits and coverage enhancement options.

Aditya Birla Activ One Max: Aditya Birla Activ One Max features a sum insured waiting period of 2 years and a PED waiting period of 3 years, both of which can be reduced using add-ons. It offers 90 and 180 days of pre- and post-hospitalization coverage, ensuring extended protection. The restoration benefit provides 100% of the base sum insured (unlimited times), making it a strong option for those who want continuous coverage. One of the standout features is its renewal bonus, which is 100% per annum, up to 500%—irrespective of claims. The plan has a vast network of over 12,000 hospitals, a CSR of 95%, and an ICR of 68%, making it a reliable and feature-rich health insurance policy.

Niva Bupa Aspire Titanium+: Niva Bupa Aspire Titanium+ has a sum insured waiting period of 2 years and a PED waiting period of 3 years, with add-ons available to reduce the waiting period. It includes 60 and 180 days of pre- and post-hospitalization coverage. The restoration benefit, ReAssure+, triggers after the first claim, offering unlimited restoration for the same or different illnesses. Additionally, after the first claim, both the base sum insured and restoration benefits can be used for a single claim. The plan features the Booster+ renewal bonus, which carries forward unutilized coverage up to 10 times the sum insured based on entry age. With 10,000+ network hospitals, a CSR of 91%, and an ICR of 58%, this plan is a great fit for those looking for high restoration and renewal benefits.

ICICI Elevate: ICICI Elevate offers a sum insured waiting period of 2 years and a PED waiting period of 3 years, both of which can be reduced through add-ons. The plan provides 90 and 180 days of pre- and post-hospitalization coverage, ensuring extensive medical support. Its restoration benefit allows 100% of the base sum insured to be restored an unlimited number of times. The renewal bonus is 20% per annum, up to 100%, but an add-on can enhance it to 100% per year with no capping on the maximum amount. With 10,200+ network hospitals, a CSR of 85%, and an ICR of 83%, this plan is well-suited for those looking for strong coverage with flexible restoration and renewal benefits.

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Conclusion

Even Healthcare provides a unique combination of unlimited medical consultations, preventive care, and group insurance options, making healthcare more accessible and proactive. While it isn’t a standalone health insurer, its partnership with Magma HDI ensures coverage for outpatient and inpatient needs. However, as a new player in the industry, Even Health Insurance lacks the comprehensive coverage and flexibility that traditional individual health insurance plans offer—such as critical illness cover, maternity benefits, and lifelong renewability. Additionally, while OPD benefits are valuable, they may not be a deal-breaker for most individuals prioritizing hospitalization coverage. 

If you're looking for a well-rounded health insurance plan in 2025, Ditto’s expert advisors can help you compare and choose the right one based on your needs. Book a free consultation today to make an informed decision!