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Health Insurance as a line of business is currently being done by both the General (Non Life) Insurers as well as Standalone Health insurance companies in India. Within the General Insurance companies, both the Private Sector and Public Sector companies have expanded the market with different types of health insurance policies. Despite there being so many active players in the Health Insurance space, the insurance penetration on health insurance is still abysmally low for a country like India. The top 5 large players in terms of business volumes and lives covered (as per IRDA data) are below (in random order)
Currently there are many good insurance providers, both General (Non Life) insurance companies as well as Standalone Health Insurance providers who offer comprehensive health insurance solutions for the Indian customer. Standalone Health Insurers like Apollo Munich, Religare Health, Star Health, Max Bupa and Non Life companies like Tata AIG, Bajaj Allianz, Reliance General, Royal Sundaram, HDFC Ergo and the Government owned Public Sector insurers like New India, Oriental and United India offer health insurance plans for both Individuals and Families. While it may not be fair to rank the insurers in terms of products, since each health insurance plan has some unique coverage/benefit, tabled below are the top retail health insurers (in random order) last year as per IRDA.
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 No of Lives Covered 2017-18 (as per IRDA data) – Individual + Group but without Government Schemes

Apollo Munich
  • Optima Restore
  • Easy Health – with options of Standard, Exclusive and Premium
  • Health Wallet
  • iCan Cancer Product / iCan Cancer Essential for Women
  • Dengue Plan
  • Optima – Daily Hospital Cash
  • Optima Super Aggregate Top Up
  • Optima Vital - Critical Illness Plan
  • Optima Energy – Specific Plan for Diabetes
  • Optima Plus Top Up
  • Maxima Comprehensive Plan
  • Optima Senior Plan
₹ 1 lacs - ₹ 50 lacs 34,30,454
Star Health

Star Health
  • Family Health Optima Insurance Plan.
  • Mediclassic Insurance Plan.
  • Senior Citizen’s Red Carpet Health Plan.
  • Diabetes Safe Insurance Plan
  • Cardiac Care Insurance Plan
₹ 3 lacs - ₹ 25 lacs 90,40,280

  • M: health Suraksha (Silver, Gold, Platinum).
  • Medisure Classic Plan.
  • Medisure Top Up.
  • Critical Illness
₹ 3 lacs - ₹ 75 lacs 23,83,045
Bajaj Allianz

Bajaj Allianz
  • Health Guard
  • Extra Care Plan.
  • Healthcare Supreme.
  • Health Ensure
  • Silver Health (Senior)
  • Star Package
  • Insta Insure
  • Critical Illness Plan
₹ 1.50 lacs - ₹ 50 lacs 33,82,347
Tata AIG

Tata AIG
  • Medicare Premier / Protect
  • MediPlus (Top Up).
  • Medi Senior.
  • Critical Illness
₹ 5 lacs - ₹ 50 lacs 8,24,843
New India

  • Mediclaim (Individual + Family).
  • Mediclaim Premier.
  • Family Floater Mediclaim.
  • Top Up Mediclaim.
  • Asha Kiran (Girl Child).
  • Senior Citizens.
₹ 1 lacs - ₹ 100 lacs 1,54,61,902
Religare Health

Religare Health
  • Religare Care.
  • Freedom.
  • Enhance (Top Up).
  • Joy (Maternity Plan).
  • Senior Citizen Plan
  • Cancer Cover
  • Super Mediclaim Heart
  • Super Mediclaim Surgery
₹ 4 lacs - ₹ 40 lacs

₹ 50 lacs - ₹ 600 lacs (Global Covers)
Max Bupa

  • Health Pulse.
  • Heartbeat.
  • Health Companion.
  • GO Active
  • Health Premium
  • Health Recharge
₹ 5 lacs - ₹ 300 lacs 14,44,887
SBI General

SBI General
  • Arogya Premier.
  • Arogya Plus.
  • Arogya Top Up.
  • Critical Illness.
₹ 0.50 lacs - ₹ 30 lacs 51,88,252
Royal Sundaram

Royal Sundaram
  • Lifeline.
  • Family Plus.
₹ 2 lacs - ₹ 150 lacs 10,81,248

  • Healthline.
  • Healthline Super Top Up.
  • Healthline Hospital Cash.
₹ 2 lacs - ₹ 25 lacs 18,54,882
Oriental Insurance

Oriental Insurance
  • Individual Mediclaim Plan.
  • Happy Family Floater Plan.
  • Super Health Top Up
₹ 1 lacs - ₹ 20 lacs 1,13,25,866
Manipal Cigna

  • ProHealth.
  • ProHealth.
  • Star Package
  • Insta Insure
₹ 2.5 lacs - ₹ 100 lacs 5,99,834

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