health insurance plans

Medical complications are unpredictable and can become a heavy burden driving a hole in our pockets. The pandemic has given us reason to sit back and recognize the importance of our health and the need for healthcare insurance. The rising medical costs make it challenging for people to afford quality healthcare facilities. Opting for a healthcare insurance cover supports keeping up with the soaring healthcare expenses, thereby assuring you and your family receive the best medical attention when required. However, before purchasing health insurance plans, it is essential to know the top comprehensive plans available in India. With around 29+ healthcare policy providers in the market, choosing the right policy can be a strenuous task.

To cut short the complexity of buying insurance, we have enlisted the top 12 health insurance plans that are the best in the Indian Market.

Care Health Plan

Offering wide-range healthcare insurance plan with the highlighted policy benefits of- no claim bonus protection, Patient’s dental and optical treatment, personal accident cover, and complete consultation services. The sum insured ranges from Rs. 3 to 25 lakhs with discounts offered on the premium on an individual and family floater basis.

Star Health Family Optima

The Star health Family optima plan has exceptional features and benefits, providing a super saving plan for the entire family with a single insured sum. It provides for expenses such as Ambulance cover, organ donor expense, newborn cover, and alternative cover to a maximum of Rs. 20,000. 

Max Bupaa Health Insurance Plan

Max Bupa health insurance provides three variants under its plan based on the sum insured and facilities. Some of the facilities offered are- Domiciliary hospitalization, Emergency ambulance, In-patient care, and other programs such as Living organ donor transplant and reduced waiting period. 

HDFC Ergo: My Health Suraksha

HDFG ergo provides insurance benefits according to your selected plans. Some advantages and benefits of the program are- extended cumulative bonus cover, newborn cover, ambulance, and organ donor expenses. It also provides a cumulative bonus of 10-15% of the basic sum insured under the renewal benefit feature.

Star Health Comprehensive Plan

The plan is designed to look after the health care benefits of you and your family with no-prior medical screening options for policy acceptance. Policyholders can avail of an insurance sum ranging from Rs. 5 lakhs to Rs. 1 Crore. The additional features include- Multi-year policy, Mid-term Inclusions, Outpatient Medical Consultations, and so on. 

ICICI Complete Health Insurance 

The following family health insurance plan requires no pre-medical checkup up to 45 years of age, thereby facilities the benefits of covering strategies outside the country for the policyholders. The project also offers a wellness program where you can earn points for living a healthy life; the points can further be redeemed on OPD bills for medical charges such as consultation, drugs and diagnostics expenses, etc.

Aditya Birla Activ Health Platinum-Enhanced 

Created to assist you and your family in a medical crisis, the Aditya Birla Activ Health plan provides coverage against all chronic diseases with an option to choose a hospital according to the patient’s preference. It also provides a 100% return of premium to all policyholders.

Reliance Health Infinity

Providing a comprehensive plan with a coverage of up to eight members ensures an enahnced covers of Rs. 30 lakhs on a 1 Crore sum insured. It promises to provide global coverage with no sub-limits an added benefit of the sum insured refueled.  


The plan provides global coverage with a cumulative benefit of over a 50% increase for every claim year. It also covers over 580 daycare treatments and a restoring value of 100% insured.

Health Star-Medi Classic

The health star plan claims to restore the medical procedure up to 200% of the entire sum insured with other benefits of donor, newborn, and daycare expenses. The goal is designed to cover from 16 days to 65 years of age with no age capping for renewals up to 65 years. 

Digit- Super Care Option

With no claim bonus and a total sum of 5% on the insured sum, Digit provides key benefits of copayment, cumulative bonus, and a simple online process to claim paperless, easy, and quick plans. IT also covers accidental hospitalization, critical illness, and surfaces for pandemics like the coronavirus.

ConclusionSelecting a health insurance plan that covers all your requirements in one policy is a difficult task. There are several policies with unique features available in the market. Ascertaining the benefits and coverage, you can choose an approach matching your specification. You can either research suitability or opt for online portals to compare and buy health insurance online with less documentation and a hassle-free process.

By Adam

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