5 Best Health Insurance Plans in India You Can Buy in 2020

Published On 08 Jan 2020 By Sakshi Aggarwal

Best Health Insurance Plans in India 2020

Choosing the most suitable plan for yourself from a pool of health insurance plans available in the market can be a daunting task. 

With different coverage features, different premium amount and different add-on benefits in all, one may not be able to find the best solution for oneself in such a complicated situation. 

But do you need to worry? With InsuranceDekho at your service, the answer is NO. 

InsuranceDekho offers the best health insurance plans in the market and helps you buy the most suitable one for you within a few minutes. These plans ensure a healthy future for your entire family and cover your healthcare expenses including hospitalisation expenses, emergency ambulance, daycare expenses, and even critical illnesses in some cases.  

To narrow down the options from many health insurance companies and even more health insurance plans in the market, we are here with a list of best health insurance plans 2020. Read them here. 

1.Religare Care Health Insurance Plan
2.Star Family Health Optima Plan
3.Apollo Munich Optima Restore Plan 
4.HDFC Ergo Health Suraksha Gold Plan 
5.Max Bupa Health Companion Individual Plan 

Let us understand these health insurance plans in detail. 

1. Religare Care Health Insurance Plan is a comprehensive health insurance policy that covers medical expenses of the injured occurring from any injury, illness, or accident. Religare Care plan is available in 5 variants, viz., Care 3 (Super Saver), Care 4 (Elite), Care 5 (Elite Plus), Care 6 (Global), and Care 7 (Global Plus). Policyholders can opt for a sum insured ranging between Rs. 4 Lakh to Rs. 6 Crore under this plan. The plan also offers many add-on benefits which the policyholders can opt for by paying a little extra premium. These include No Claim Bonus Super, Unlimited Automatic Recharge, everyday care, personal accident cover, smart select, air ambulance, global coverage, and international second opinion. 


  • All day care treatments are included
  • In-patient hospitalisation expenses up to sum insured limit
  • Global cover on cashless basis across network of hospitals
  • Pre hospitalisation expenses for up to 30 days
  • Post hospitalisation expenses for up to 60 days
  • Domiciliary hospitalisation expenses for up to a specified limit 


  • Expenses for the treatment of AIDS
  • Congenital diseases
  • Expenses arising due to self-harm
  • Expenses incurred from an addiction such as alcohol, tobacco, etc.
  • Any expenses arising due to war, strike, riot, etc. 

2. Star Family Health Optima Plan can be considered as a super saver health insurance product that covers your entire family at a nominal premium. You can include self, spouse, and dependent children aged between 16 days to 25 years. The plan offers the benefits of lifetime renewability and you can purchase this if you are aged between 18 years to 65 years. Policyholders can choose to sum insured options ranging from Rs. 3 Lakh to Rs. 25 Lakh. The best part about this plan is that it offers 3 times automatic restoration of the sum insured by 100% for every complete exhaustion. 

  • All daycare procedures
  • In-patient hospitalisation expenses
  • Air ambulance charges up to a specified limit
  • Domiciliary hospitalisation expenses (treatment at home)
  • Pre and post hospitalisation expenses for up to 60 and 90 days respectively


  • Vaccination except for post-bite and other medical treatment
  • Injuries occurred due to war or warlike situation
  • Expenses arising due to any act of self-harm
  • Sexually Transmitted Diseases
  • Dental treatments

3. Apollo Munich Optima Restore Plan is one of the most popular health insurance plan offered by Apollo Munich. Anyone who is aged between 91 days and 65 years can be covered under this plan with sum insured options ranging between Rs. 3 Lakh to Rs. 50 Lakh. Some of the incredible benefits offered by this plan are-domiciliary treatment cover, cover for pre and post hospitalisation expenses, air ambulance cover, and so on. The best feature of this plan is Stay Active benefit which rewards you on living an active lifestyle. All you need to do is walk and stay active and you will be eligible to avail discounts on premiums. 


  • Road ambulance cover
  • Lifetime renewability 
  • Cover for daycare procedures
  • In-patient hospitalisation cover
  • 100% increase in sum insured for every 2 claim-free years


  • Mental disorders
  • Cosmetic surgeries
  • Expenses occurred in the treatment of HIV/AIDS
  • Any treatment within an initial 30 days from purchase of policy
  • Treatment due to addictive substances like alcohol, tobacco etc.

4.HDFC Ergo Health Suraksha Plan is an ideal choice for individuals as well as families that covers them against major healthcare expenses. With sum insured options ranging from Rs. 3 Lakh to Rs. 10 Lakh, this product from HDFC Ergo is high on benefits. The minimum age to seek coverage under this plan is 91 days and the best part is that there is no maximum age limit. The plan comes in several variants-Silver, Gold, and Platinum with different sum insured options and benefits under them. Some common benefits of the plan are listed below. 


  • Cover for organ donor expenses
  • Cover for in-patient hospitalisation expenses without any limit on room rent or diseases covered
  • Pre-hospitalisation expenses covered for up to 60 days 
  • Post-hospitalisation expenses covered for up to 90 days 
  • Cover for daycare procedures


  • Cover for treatment of mental disorders
  • Expenses related to cosmetic surgeries
  • Expenses related to the treatment of obesity
  • Accidents occurring due to war or warlike situations
  • Accidents arising due to participation in adventure activities

5. Max Bupa Health Companion Individual plan can be the ultimate source of financial support when you require it at the time of health emergency. Anyone aged above 91 days can be covered under this plan. The best part of this plan is that it offers cover for sum insured as low as Rs. 2 Lakh and as high as Rs. 1 Crore. Also, the plan can cover up to 19 relationships. This plan is a must buy if you want high coverage but at a premium amount that does not burn your pocket. You will get a discount of 12.5% on the premium of the second year if you buy this plan for 2 years from Insurancedekho and pay in advance. 


  • 15 day free look period
  • Lifetime renewability option
  • In-patient hospitalisation treatment
  • Tax saving under Section 80D of the Income Tax Act
  • 30 and 60 days pre and post hospitalisation expenses 


  • Cover for OPD expenses
  • LASER and eye-based treatment
  • Expenses incurred from the treatment of HIV/AIDS
  • Accidents occurring due to war or warlike situations
  • Any expense incurred due to self-harm

Deciding on the most suitable health insurance plan is no child’s play. But this list is sure to offer you some relief. In case you still have any doubt in any of health insurance plans listed above or want to buy one by following an easy process, then get in touch with the customer care executives at Insurancedekho who will put in their best efforts to help you buy a plan which is the best suited for you. Stay healthy, stay insured!

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