HDFC ERGO

Optima Restore

A comprehensive policy from a brand that has one of the best claim settlement numbers in the country. With no restrictions on room rent, a high no-claim bonus, and a rather affordable price, Optima Restore is a perfect fit for individuals.

STAR HEALTH

Young Star

This policy may not be as comprehensive as the other policies in its class. But it’s one of the most economical options out there and something young individuals can definitely consider.

ADITYA BIRLA

Activ Assured Diamond

A really good policy that gives you the freedom to pick any room you want, offers free health check-ups, and one that restores your cover by up to 150% of the Sum Insured after making a claim. The only downside? If you have a pre-existing condition, they will make you wait 4 years before they cover it.

MAX BUPA

ReAssure

One of the most sought after policies in recent years, ReAssure is known for its comprehensive benefits, a sizable no claim bonus, and most importantly unlimited restoration. And it’s also extremely economical.

MAX BUPA

ReAssure

A comprehensive and an affordable policy that comes with a standout feature called the unlimited restoration benefit. Meaning every time you or your spouse or your kid is hospitalized, you can use the full cover irrespective of the total number of claims you make.

HDFC ERGO

Optima Restore

A comprehensive policy from a brand that houses the largest financial conglomerate in the country. With no restrictions on room rent, a high no-claim bonus, and restoration which covers even the same illnesses, Optima Restore is a great choice for a family too.

CARE

Care

By paying a little extra, you could increase your no-claim bonus up to 150% of the original sum insured. And with that kind of cover, you won’t have a lot to worry about your family’s protection even if there are multiple hospitalizations in the same year.

STAR HEALTH

Comprehensive

This policy has the full package on offer. It offers a modest OPD cover, extends maternity benefits, and does what you would expect most policies to do. So if you’re looking for well rounded protection for your family, this is a decent option.

ADITYA BIRLA

Activ Assured Diamond

The policy offers a restoration benefit that increases your total cover by up to to 150% of the Sum Insured. So it would make some sense for a family to opt for the plan. However, it does come with a whole host of restrictions and you may want to read the fine print here.

HDFC ERGO

myHealth Suraksha Gold

A good policy from a great brand, myHealth Suraksha has everything you’d need in a solid health insurance policy. More importantly, it’s the perfect fit for older folks because it doesn’t have an entry age limit.

MAX BUPA

Health Companion

A best-selling policy under Max Bupa’s stable providing a whole host of benefits like no restrictions on room rent, a good no-claim bonus, and even annual health check-ups. And unlike most policies, this policy is open for all ages making it a good fit for old age parents, especially senior citizens.

CARE

Care

A decent policy that covers people up to 90 years of age. Care does most things pretty well. However, since it’s expected to cover people who are vulnerable, they do carry a few caveats. So please read the fine print carefully.

MAX BUPA

ReAssure

The policy is only available for folks who are 65 or younger. But if frequent hospitalizations are a concern, Reassure offers unlimited restoration - Meaning every time you make a claim, your cover gets restored in full.

HDFC ERGO

Energy Silver

If you're diabetic or suffering from Hypertension, then this policy is for you, considering the fact that the insurer covers all complications arising out of these conditions from Day 1.

CARE

Care Freedom Plan

If you have pre-existing diseases, you’ll only have to wait 2 years before you can make a claim related to those specific illnesses. However, the policy does come with a few restrictions. So you may want to read the fine print.

STAR HEALTH

Comprehensive

A pretty comprehensive policy overall. And it’s one of the few products that gives you the option to reduce the standard pre-existing disease waiting period from 3 years to 1 year. So if you’re willing to pay a little extra, you could get yourself a solid plan that covers most illnesses in a reasonable period of time.

ADITYA BIRLA

Activ Health Platinum Enhanced

A comprehensive policy that also offers an optional chronic management program where they cover conditions like diabetes and hypertension without imposing a waiting period. The only downside? It’s also one of the most expensive policies in the market.

MAX BUPA

Health Premia Gold

This policy offers comprehensive protection and a maternity cover with a waiting period of just 2 years. They’ll also cover your baby soon after. So if you’re planning to have a kid in the near future, and money isn’t a concern, this plan is for you.

STAR HEALTH

Comprehensive

This policy offers a decent maternity benefit only when you opt for a cover greater than 10 lacs. But with a waiting period of just 2 years, it’s a policy you could definitely consider.

TATA AIG

Medicare Premier

Tata Medicare Premier is a solid plan overall, albeit slightly expensive. It offers a sizable no-claim bonus, OPD benefit and even covers emergency international treatments. However, with the maternity benefit, you’ll have to wait 4 years before you can make a claim. So that’s a letdown.