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Some of the most comprehensive health insurance plans in the market are highlighted in the table below. Please note that this is an indicative and not an exhaustive list of plans. Plans which are not listed in the table below could also have some unique coverages backed by quality service by the respective insurance companies. However these are some of the largest selling health insurance plans in the market and hence find their place in this list.
Insurance Company / Product Name Age / Eligibility Sum Insured Range
Apollo Munich - Optima Restore

Apollo Munich
  • Coverage is offered from the age of 5 years till maximum entry age of 65 years.
  • A dependent child can be covered from the 91st day (if either parents are covered under this policy)
  • Lifelong Renewal
₹ 3 lacs - ₹ 50 lacs
Star Health – Family Health Optima Insurance Plan (Individual & Family)

Star Health
  • Persons between 18 years and 65 years of age at the time of entry can take this Insurance.
  • Dependent children can be covered from 16 days and up to 25years of age (upto 3 children)
  • Lifelong renewals.
₹ 3 lacs - ₹ 25 lacs
M: health Suraksha

  • Entry Age : 91 days
  • Children below 5 years would be covered provided both the parents are covered under our policy.
  • No Maximum Cap on Entry Age.
  • Lifelong Renewals
₹ 3 lacs - ₹ 50 lacs
SBI General Arogya Premier

SBI General
  • Entry Age : 3 months
  • Maximum Entry Age : 65 years.
  • Lifelong Renewals
₹ 0.50 lacs - ₹ 30 lacs
New India Mediclaim Premier

  • All the persons proposed for this Insurance should be between the age of 18 years and 65 years.
  • Children between the age of 3 months and 18 years are covered provided one or both parents are covered concurrently.
  • Lifelong Renewals
₹ 1 lacs - ₹ 15 lacs
Religare Health - Care

Religare Health
  • Entry Age : 91 days
  • Persons above 18 years of age at the time of entry can take this Insurance.
  • No Maximum Entry Age
  • Lifelong Renewals
₹ 4 lacs - ₹ 40 lacs

Pros and Cons of Health insurance in India:

While it is universally agreed that Health Insurance is an important coverage that all individuals and families should have, there are still many debates around the pros and cons of Health Insurance in India…some of the points of note are below:

Pros of Health Insurance in India Cons of Health Insurance in India
Financially supports the family at the time of hospitalization. Still relatively costly in India since penetration is still around 20% of overall population.
Pushes the insured to follow a health lifestyle in terms of dietary and physical activities. Pre Existing Conditions still have waiting periods upto 4 years.
Once enrolled in a policy, lifelong renewability is assured subject to renewing the policy on time. Hospitals tend to inflate medical expenses when individual has health insurance.
Network Hospitals across India for Cashless Inpatient Treatment.
Income Tax Benefits

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