Best Health Insurance in India: Top 5 Plans

Finding the best health insurance in India can feel confusing. Every insurer claims to offer the best coverage, the best features, and the best claim support. But once you start comparing plans, you realize that small details like room rent limits, waiting periods, and claim settlement experience can make a huge difference when you actually need to use the policy.

In this guide, we’ll break down the best health insurance plans in India based on what truly matters: coverage, reliability, benefits, limitations, and real-world usefulness.

Ditto’s Rating Methodology

The health insurance plans included in this guide are rated using our transparent policy rating framework, which scores each plan across three dimensions:

1. Feature Rating (45%): This measures how comprehensive the policy is, including room rent rules, co-pays, waiting periods (and options to reduce them), restoration, bonuses, consumables coverage, and more.
2. Insurer Rating (45%): Assesses the reliability of the company behind the policy, based on IRDAI data such as claim settlement ratio, complaint volume, business scale, hospital network, and servicing model.
3. Premium Rating (10%): Evaluates affordability for a benchmark profile (30-year-old, ₹10 lakh sum insured, Bengaluru). If premiums are unavailable, a default score of 3 is assigned.

These three scores are combined into a single policy rating out of 10 and standardized into a 5-point Ditto policy score for easy comparison.

Best Health Insurance Policy in India: Detailed Comparison

01

HDFC Ergo

Optima Secure

HDFC Ergo Optima Secure is a flagship health insurance plan that offers sum insured options from ₹5 lakh up to ₹2 crore, available as both individual and family floater plans.

HDFC Ergo

Optima Secure

4.6

Overall Rating

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Premium Rating

3.0/5

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Insurer Rating

5.0/5

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Feature Rating

4.6/5

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Customer Service Rating

5.0/5

Key Features

• Provides policy tenure for 1, 2, or 3 years.
• Covers pre-hospitalization expenses for up to 60 days and post-hospitalization expenses for up to 180 days.
• 2x cover from day one (Secure Benefit).
• Cover doubles in 2 years, with a bonus given regardless of claims (Plus Benefit).
• Covers consumables (gloves, masks, syringes, and more under Protect Benefit).
• Includes home healthcare, daycare, organ donor cover, and AYUSH (Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homoeopathy) treatments.
• Unique riders for pre-existing disease (PED) waiting period reduction, unlimited restoration, OPD coverage (Optima Wellbeing), hospital cash, maternity, and unlimited coverage once or twice during the policy's lifetime.

Takeaway: While premiums are higher than peers, the biggest strength here is insurer reliability: strong claims support, a dependable claims record, and the basics done right. On top of that, you also get bundled benefits, including automatic sum insured boosts and unlimited restoration, which can be especially useful for people with common chronic conditions like diabetes or asthma who want faster coverage.

02

Care

Supreme

Care Supreme is a comprehensive, modular, value-for-money health insurance plan that offers sum insured options from ₹5 lakh to ₹1 crore, available as both individual and family floater plans.

Care

Supreme

4.5

Overall Rating

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Premium Rating

5.0/5

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Insurer Rating

4.2/5

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Feature Rating

4.5/5

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Customer Service Rating

3.0/5

Key Features

• Provides policy tenure for 1, 2, or 3 years.
• Offers unlimited automatic recharge for related and unrelated illnesses.
• Provides a cumulative bonus up to 100% (option to extend by 500% or unlimited accumulation additionally through add-ons).
• The Claim Shield Plus add-on reduces out-of-pocket expenses by covering 146 non-payable items during hospitalization.
• Wellness discounts, with up to 30% off renewals through fitness-linked benefits.
• Unique add-ons for comprehensive PED waiting period reduction, gym memberships, outpatient department (OPD) cover, unlimited coverage (once), and air ambulance.

Takeaway: The policy doesn’t provide free health check-ups and records higher complaint volumes. However, it’s fairly affordable and suits individuals with PEDs who want shorter waiting periods, as well as those looking for more flexibility through multiple add-ons.

03

Aditya Birla

Active One MAX

Aditya Birla Activ One Max is a comprehensive health insurance plan that provides sum insured options from ₹5 lakh to ₹2 crore, available as individual and family floater policies.

Aditya Birla

Active One MAX

4.4

Overall Rating

---

Premium Rating

5.0/5

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Insurer Rating

4.5/5

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Feature Rating

4.3/5

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Customer Service Rating

5.0/5

Key Features

• Provides policy tenure for 1, 2, or 3 years.
• Unlimited restoration (usable for related and unrelated illnesses) is available from the second claim of the policy's lifetime.
• Cumulative bonus of 100% per annum up to 500% given regardless of claims made (MAX up to 3 crore).
• HealthReturns® that reward fitness or healthy living with discounts on renewal premiums up to 100%.
• Intuitive add-ons for pre-existing disease waiting period reduction and chronic care.

Takeaway: If you’re young and want a feature-rich plan at a good price, Activ One MAX stands out with useful modern benefits (e.g., high inbuilt bonus) and rewards for staying healthy.

04

Niva Bupa

ReAssure 2.0 Platinum+

Niva Bupa ReAssure 2.0 Platinum+ is a premium health insurance policy offering comprehensive coverage with sum insured options up to ₹1 crore for individuals and families.

Niva Bupa

ReAssure 2.0 Platinum+

4.3

Overall Rating

---

Premium Rating

5.0/5

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Insurer Rating

4.2/5

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Feature Rating

4.2/5

---

Customer Service Rating

3.0/5

Key Features

• Provides policy tenure for 1, 2, or 3 years.
• ReAssure+ restores your cover an unlimited number of times in a policy year, up to the sum insured for each claim.
• Age-lock on premium until the first claim.
• Booster+ allows your unused sum insured to be carried forward up to 5x for the recommended Platinum+ variant.
• The Safeguard add-on covers non-payables and inflation-linked sum insured hikes (no impact on Booster+ if the claim made in a policy year is up to ₹50,000-₹1,00,000).

Takeaway: Post-sales servicing and claims experience is not as uniform as the other top players. However, ReAssure 2.0 is worth considering for those seeking a flexible policy that grows with their needs and offers comprehensive peace of mind.

05

SBI

Super Health Platinum Infinite

SBI Super Health Platinum Infinite is the most premium plan in the Super Health series, offering comprehensive health insurance coverage with sum insured options ranging from ₹50 lakh to ₹2 crore.

SBI

Super Health Platinum Infinite

4.1

Overall Rating

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Premium Rating

5.0/5

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Insurer Rating

3.8/5

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Feature Rating

4.2/5

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Customer Service Rating

3.0/5

Key Features

• Unlimited reinstatement of up to 200% of the sum insured per claim (ReInsure Benefit).
• The Health Multiplier provides up to 3x cover for 37 listed serious illnesses.
• Global cover for 16 conditions and an air ambulance worth ₹10 lakh.
• Provides built-in OPD and consumables cover.
• Shorter waiting periods (2 years for PEDs and 1 year for specific illnesses).
• Provides health assistance (personal fitness coaching), a dietitian, and nutrition e-consultation, along with an unlimited gym membership.
• Offers a renewal discount based on the number of steps walked by the insured members, up to 30%. 

Takeaway: Premiums are quite expensive due to the over-indulgent nature of the policy and a higher base cover amount (₹50 lakh). The policy is ideal for individuals and families seeking high-value health coverage with strong financial protection against major medical expenses.

Now that we’ve looked at the best health policies in India, let’s see how the insurers behind these plans stack up across key parameters.

The above metrics are averages for the financial year (FY) 2022-25, and for the insurers specifically discussed in this guide. For a comprehensive understanding of other best-performing insurers, refer to our guide on the best health insurance company in India. 

Key Insights

• CSR: All five insurers are above the 90% mark, which suggests that they settle a large majority of the claims they receive.
• Complaints: HDFC Ergo and Aditya Birla look stronger here, while Care and Niva Bupa are well above the industry average, which is something to watch out for. 
• Annual Business: All the best health insurance plans operate above the industry average in annual business, which usually reflects stronger scale, wider reach, and a larger customer base.

Note: Apart from these three metrics, it is also worth looking at factors like network hospital size and incurred claim ratio (ICR) to get a more complete comparison of insurers.

Here, A stands for adult and C denotes children. 

Note: These are indicative premiums for a Delhi resident (pin code - 110001) with a ₹15 lakh sum insured, including mandatory and recommended add-ons. Your premium can change based on age, city, medical history, plan variant, and chosen add-ons.

Premiums for SBI Super Health Platinum Infinite have been calculated by considering a sum insured of ₹50 lakhs.

How to Choose the Best Health Insurance Plans in India?

01

Assess Your Health Needs

Evaluate your personal health requirements and medical history. If you have ongoing conditions, consider plans covering PEDs with shorter waiting periods.

02

Policy Features

Check what the plan actually covers, such as room rent limits, co-pays, disease sub-limits, waiting periods, restoration benefits, and coverage for consumables like PPE kits. Include important add-ons if they enhance benefits.

03

Insurer Reliability

Analyze the company’s 3-year claim settlement ratio, complaint levels, hospital network size, and whether claims are handled digitally, in-house, or via a third-party administrator (TPA).

04

Premiums for Your Profile

Compare premiums based on your age, city, and coverage. Hidden co-pays or sub-limits can make a cheaper plan less valuable. So, do not just pick the cheapest policy.

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 Abhinav below love us:

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

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Which Health Insurance is Best in India?

There is no single best health insurance policy for everyone. The right plan depends on your priorities and what you value most, such as insurer reliability, coverage features, or long-term affordability. That’s why we compare plans using a transparent, data-driven framework that looks at insurer strength, product features, and pricing.

HDFC Ergo Optima Secure is the most balanced choice, while Care Supreme and Aditya Birla Activ One MAX offer strong coverage at competitive prices. Niva Bupa ReAssure 2.0 Platinum+ stands out for its innovative, feature-rich design. SBI Super Health Platinum Infinite is also a solid option, though not a partner offering.

Since the market keeps evolving with new plans and add-ons, it’s worth reassessing your needs before buying, porting, or switching your policy.

Disclaimer: We believe in full transparency around our partnerships. Our current insurer partners are HDFC Ergo, Care, Aditya Birla, and Niva Bupa. But as you can see in this list, the rankings include both partners and non-partners because the methodology is unbiased and applied uniformly across all insurers.