Best India health insurance policies for individuals

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There are many comprehensive health insurance mediclaim policies in the Indian market, offered by the leading insurance companies. Some of the popular and better performing ones are tabled below:
Insurance Company Product Portfolio Sum Insured Range Unique Features of this plan
Apollo Munich

Apollo Munich
Optima Restore ₹ 3 lacs - ₹ 15 lacs
  • The sublimits for patient room and medical expenses is Nil
  • The New Restore Benefit- Instant addition of 100% basic sum insured to your cover, on your first claim.
  • Multiplier Benefit- Multiplier Benefit Double your sum insured in two consecutive claim free years.
Star Health

Star Health
Family Health Optima Insurance Plan (Individual & Family) ₹ 3 lacs - ₹ 25 lacs
  • No third Party Administrator, direct in-house claim settlement + Network of more than 9600+ hospitals across India.
  • Additional Sum Insured upto 25% of Sum Insured – Max 5 Lac for Two Wheeler Road Accidents.
  • Automatic Restoration of SI - 3 times at 100% each time, during the policy period + Auto Recharge Option.

M: health Suraksha ₹ 3 lacs - ₹ 50 lacs
  • 586 Day Care procedures covered.
  • Sum Insured Rebound - Get additional sum insured equivalent to the admissible claim amount upto a maximum of the basic sum insured.
  • No Room Rent Capping.
Bajaj Allianz

Bajaj Allianz
Health Guard ₹ 1.50 lacs - ₹ 50 lacs
  • Sum Insured Reinstatement - In case sum insured along with the cumulative bonus (if any) has been completely exhausted during the policy year, it will be reinstated.
  • In-house claim settlement team that ensures a quick, smooth and easy claim settlement process.
  • Organ Donor Cover - Expenses towards organ donor’s treatment for harvesting of the donated organ are covered under this policy.
Tata AIG

Tata AIG
Medicare Premier ₹ 5 lacs - ₹ 50 lacs
  • No room rent restrictions in
  • Global Cover: Insured can be covered for Medical Expenses incurred outside India, upto the sum insured provided that the diagnosis was made in India and the insured travels abroad for treatment.
  • Consumables Benefit available.
New India

Mediclaim Premier ₹ 1 lacs - ₹ 15 lacs
  • No Zonewise Premium rating – rating only based on age and sum insured + No Loading for Adverse Claims Experience.
  • Lifelong Renewal subject to there not being a break in the renewal of the policy.
  • Pre Acceptance Medical Check up only for insureds beyond 50 years of age.
  • No Loading for Diabetes & Hypertension.
Religare Health

Religare Health
Religare Care ₹ 4 lacs - ₹ 40 lacs
  • 5Annual Health Check up every year if it is a claim free year.
  • Up to 150% No Claim Bonus with NCB Super.
  • Unique Unlimited Automatic recharge.
  • Care anywhere – Global Cover for 12 Critical Illnesses.
Max Bupa

Health Premia ₹ 10 lacs - ₹ 300 lacs
  • Sum Insured upto ₹300 lacs.
  • Indemnification of alternate treatments like Ayurveda, Unani, Siddha and Homeopathy (AYUSH).
  • Medical treatment abroad for 9 selected diseases (platinum plan only).
SBI General

SBI General
Arogya Premier ₹ 0.50 lacs - ₹ 30 lacs
  • No pre-policy medical test up to the age of 55 years for people with no medical history.
  • Automatic Reinstatement of Sum Insured + Cumulative Bonus of 10% of SI for each claim free year maximum up to 50%.
  • Indemnification of alternate treatments like Ayurveda, Unani, Siddha and Homeopathy (AYUSH).
Royal Sundaram

Royal Sundaram
Lifeline ₹ 2 lacs - ₹ 150 lacs
  • Provides coverage for International Treatment for 11 specified illnesses upto Sum Insured along with return airfare upto Rs.3lacs.
  • Provides coverage for International Treatment for 11 specified illnesses upto Sum Insured along with return airfare upto Rs.3lacs.
  • OPD Treatment covering the expenses incurred on doctor’s consultation, medicines, diagnostic tests, etc.

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