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Best Health Insurance Companies in India 2024

To make sure your health is of utmost priority, it is important to research thoroughly before you buy a health insurance policy. When we talk about good health insurance companies, they are more than just a financial safeguard. A reliable health insurance company will go the extra mile in promoting proactive wellness for you and your loved ones.

Moreover, a top-notch health insurance provider understands the requirements of each individual and offers personalised health insurance plans that cater to specific health needs. Not only this, but they also streamline processes for a flawless customer experience, ensuring clarity in understanding policies, filing claims, and accessing information.

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5 Lac coverage starting from only ₹257/Month*
5 Lac coverage starting from only ₹257/Month*
  • Tax Benefit
    Tax Benefit
    Up to 75000**
  • Claim Support
    Claim Support
    Everyday 10AM-7PM
  • 45 Lacs+
    45 Lacs+
    Happy Customers

*Standard Terms and Conditions Apply.

**Tax benefits are subject to changes in Income Tax Act.

Choosing the Right Health Insurance Company

Selecting the right health insurance company is like finding a reliable partner for your well-being journey. Listed below are the key factors that you should keep in mind while choosing your health insurance partner:

  • Claim Settlement Ratio: The Claim Settlement Ratio (CSR) is a key indicator of how reliable a health insurance company is in honoring claims. This ratio represents the percentage of claims settled by an insurance company against the total claims filed. A higher CSR signifies that an insurance provider handles claims efficiently.

  • Solvency Ratio: When considering health insurance companies, the solvency ratio plays a significant role. This ratio indicates the company's ability to meet its financial obligations. Therefore, it's always good to opt for a company with a healthy solvency ratio.

  • Gross Direct Premium: The Gross Direct Premium is the total premium collected by the insurance company before deducting reinsurance and commission. While it's crucial to consider the cost, it's equally important to weigh it against the coverage offered. So, we suggest you look for a balance i.e. a company offering comprehensive coverage at a reasonable premium as it will ensure that you get the best value for your money.

  • Number of Products & Add-ons: A wide range of insurance products and add-ons allows you to tailor your coverage as per your specific needs and requirements. Therefore, one must always choose a company that offers a variety of plans and additional riders as it ensures you can customise your health insurance policy to match your unique health requirements and financial situation.

  • Customer Support: Effective customer support acts as a lifeline when you have questions or need assistance. You must always go for a health insurance company that is known for its responsive and helpful customer support. This will make your experience smoother and more reassuring.

  • Network Hospitals: As you know a strong network of hospitals is crucial for easy access to quality healthcare services, therefore it's imperative to check if the health insurance company has a wide network of hospitals. A larger network will mean you have more choices for medical facilities.

  • Claim Settlement Process: Understanding the claim settlement process is also important. A transparent and streamlined process ensures that in the event of a claim, you won't be caught in complexities. One must always look for a health insurance company with a straightforward claim settlement process as it will make your entire experience either hassle-free or disturbed.

  • Customer Reviews and Ratings: Last but not least, make sure you go through customer reviews and ratings to gain insights from real experiences. The opinions of others can provide valuable perspectives on a health insurance company's service, responsiveness, and overall customer satisfaction.

Best Health Insurance Companies in India (Top 10)

Here's a list of the Top 10 Health Insurance Companies in India with the highest Claim settlement ratio & maximum no of products and add-ons.

Check the details below properly to decide on which health insurance company details you’d like to know more about to purchase your policy:

Company

Claim Settlement Ratio FY22 (in %)

Number of Products and Add-Ons

Star Health & Allied Insurance

89.90

14

Niva Bupa Health Insurance

90.70

8

Care Health Insurance

95.22

7

Aditya Birla Health Insurance

96.00

6

HDFC ERGO General Insurance

100.00

6

Manipal Cigna Health Insurance

88.00

2

Reliance General Insurance

100.00

4

Go Digit General Insurance

96.00

6

ICICI Lombard General Insurance

99.70

7

SBI General Insurance

66.08

5

The data has been taken from the official IRDAI website.

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No. of Products & Add-ons

No. of Products here refers to the health insurance products that act as financial instruments and provide coverage for medical expenses. Moreover, these products offer financial protection in case of any health emergency like illness, injury, or other covered health-related issues.

On the other hand, Product add-ons are supplementary features that medical insurance policyholders can include in their health insurance policy to avail of additional benefits.

Top 5 Health Insurance Companies in India (with the Highest No. of Products & Add-ons)

The tabular data below highlights the No. Of Products & Add-ons of different health insurance providers in India:

S.No.

Company

Number of Products and Add-Ons

1.

Bajaj Allianz General Insurance Co. Ltd.

19

2.

Star Health and Allied Insurance Co. Ltd.

14

3.

Future Generali India Insurance Co. Ltd.

11

4.

Niva Bupa Health Insurance Co. Ltd.

8

5.

Royal Sundaram General Insurance Co. Ltd.

8

The data for No. of Products & Add-ons has been taken from the official IRDAI website.

Understanding Claim Settlement Ratio in Detail & Its Importance

The Claim Settlement Ratio is a crucial metric used to analyse the performance of an insurance company. This ratio represents the percentage of claims settled by an insurer against the total number of claims received within a specific period, usually a financial year. Notably, the Claim Settlement Ratio goes beyond being a mere statistic. It's a reflection of an insurance company's commitment to its policyholders.

Best Health Insurance Companies in India with Claim Settlement Ratio

The tabular data below highlights the CSR of different health insurance providers in India for FY 2022:

S.No. Company Claim Settlement Ratio FY22 (in %)
1. HDFC ERGO General Insurance 100
2. Reliance General Insurance 100
3. ICICI Lombard General Insurance 99.7
4. Liberty General Insurance 97
5. Kotak Mahindra General Insurance 97
6. Cholamandalam MS General Insurance 94
7. Future Generali India Insurance 94
8. Zuno General Insurance 94
9. Go Digit General Insurance 93
10. Bajaj Allianz General Insurance 92.24
11. Royal Sundaram General Insurance 92
12. Magma HDI General Insurance 90
13. SBI General Insurance 66.08
14. Aditya Birla Health Insurance 96%
15. Care Health Insurance 95.22%
16. The New India Assurance 92.68%
17. Niva Bupa Health Insurance 90.70%
18. Star Health and Allied Insurance 89.90%
19. ManipalCigna Health Insurance Co. Ltd. 88.00%

The data for Claim Settlement Ratio has been taken from the official IRDAI website.

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Note: Premium is shown for 18yr old individual of Delhi
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Understanding Solvency Ratio in Detail & its Importance

In the insurance sector, the solvency ratio plays a significant role in understanding the financial health and resilience of an insurance company. Essentially, this ratio reflects how much capital the insurance company possesses in comparison to the risks it has undertaken. In other words, this calculation involves subtracting Liabilities from Total Assets, which provides insights into the insurer's capacity to meet its financial obligations.

A higher solvency ratio is indicative of a strong financial position for an insurance company. This stability is vital for an insurer's ability to meet its obligations, including timely and complete claims payment. For policyholders, this ratio translates to a higher level of confidence in the insurance provider's ability to meet financial responsibilities.

The solvency ratio holds significant importance in the insurance sector, playing a crucial role in safeguarding policyholders' interests and ensuring insurance companies' financial stability.

Here's why the solvency ratio is important

  • Policyholder Protection: The primary purpose of the solvency ratio in the insurance industry is to protect policyholders. It ensures that insurance companies have sufficient financial resources to meet their long-term commitments, especially when policyholders file claims.

  • Timely Claim Settlements: A high solvency ratio indicates that an insurance company has substantial assets relative to its liabilities. This financial strength allows the health insurance company to settle claims promptly and efficiently, providing timely support to policyholders during tough times.

  • Financial Stability: The solvency ratio serves as an indicator of an insurance company's financial stability. A healthy ratio reflects the company's ability to withstand unforeseen financial shocks and market fluctuations. This moreover instils confidence among policyholders.

  • Credibility and Trust: A high solvency ratio enhances an insurance company's credibility and trustworthiness. Policyholders are more likely to choose insurers with a strong financial foundation, knowing that their claims will be settled without any delays or complications.

Best Health Insurance Companies in India with Solvency Ratio

Let’s look at the Solvency Position of different health insurance companies for FY 22 & 23:

S. No

Company

June 2022

September 2022

December 2022

March 2023

1.

Bajaj Allianz General Insurance Co. Ltd.

3.49

3.62

3.73

3.91

2.

Cholamandalam MS General Insurance Co. Ltd.

2.08

2.13

2.06

2.01

3.

Future Generali India Insurance Co. Ltd.

1.67

1.75

1.93

2.1

4.

Go Digit General Insurance Co. Ltd.

2.18

2.00

1.9

1.78

5.

HDFC ERGO General Insurance Co. Ltd.

1.68

1.78

1.74

1.81

6.

ICICI Lombard General Insurance Co. Ltd.

2.61

2.47

2.45

2.51

7.

Kotak Mahindra General Insurance Co. Ltd.

2.55

2.14

2.3

1.83

8.

Liberty General Insurance Co. Ltd.

2.69

2.44

2.2

2.05

9.

Magma HDI General Insurance Co. Ltd.

2.77

2.19

1.7

2.1

10.

Reliance General Insurance Co. Ltd.

1.60

1.58

1.59

1.57

11.

SBI General Insurance Co. Ltd.

1.94

1.91

1.85

1.72

12.

Zuno General Insurance Co. Ltd

1.71

1.65

1.73

1.8

13.

The New India Assurance Co. Ltd.

1.72

1.77

1.91

1.87

14.

Aditya Birla Health Insurance Co. Ltd.

2.16

1.67

3.03

2.63

15.

Care Health Insurance Co. Ltd.

1.64

1.97

1.9

1.82

16.

ManipalCigna Health Insurance Co. Ltd.

1.59

1.56

1.55

1.56

17.

Niva Bupa Health InsuranceCo. Ltd.

1.89

1.77

1.81

1.67

18.

Star Health and Allied Insurance Co. Ltd.

1.87

1.95

2.17

2.14

19.

Royal Sundaram General Insurance Co. Ltd.

2.16

2.09

2.14

2.27

The data for Solvency Ratio has been taken from the official IRDAI website.

Gross Direct Premium

In the insurance industry, the gross direct premium is the total amount of premiums received by the insurer before any commissions, reinsurance payments, or other associated costs are subtracted. It shows the total amount of money the insurance company received from policyholders for coverage during a given time frame.

The Gross Direct Premium includes premiums collected for all types of insurance policies offered by the company, such as life insurance, health insurance, property insurance, and liability insurance. Understanding the Gross Direct Premium is essential for assessing an insurance company's financial health and its ability to underwrite policies effectively. It provides insights into the company's revenue base and its capacity to meet claim obligations.

List of all Health Insurance Companies in India - An Overview 

The overview of the best health insurance companies in India is tabulated below:

S.No.

Company

Number of Products and Add-Ons

Number of Employees

Founded In

Cashless Network Hospitals

1.

HDFC ERGO General Insurance Co. Ltd.

6

9700+

2002

12000+

2.

ICICI Lombard General Insurance Co. Ltd.

7

12000+

2001

7500+

3.

Reliance General Insurance Co. Ltd.

4

3800+

2000

8600+

4.

Go Digit General Insurance Co. Ltd.

6

1000+

2016

11300+

5.

Cholamandalam MS General Insurance Co. Ltd.

5

5000+

2001

11000+

6.

SBI General Insurance Co. Ltd.

5

7000+

2009

6000+

7.

Royal Sundaram General Insurance Co. Ltd.

8

1800+

2000

10000+

8.

Future Generali India Insurance Co. Ltd.

11

1000+

2006

8400+

9.

Liberty General Insurance Co. Ltd.

3

1200+

2013

6000+

10.

Zuno General Insurance Co. Ltd

7

200+

2017

5000+

11.

Magma HDI General Insurance Co. Ltd.

5

1000+

2009

7800+

12.

Bajaj Allianz General Insurance Co. Ltd.

19

1000+

2001

7000+

13.

Kotak Mahindra General Insurance Co. Ltd.

3

700+

2015

7200+

14.

Niva Bupa Health Insurance Co. Ltd.

8

1000+

2008

8700+

15.

Care Health Insurance Co. Ltd.

7

8500+

2012

21100+

16.

Star Health and Allied Insurance Co. Ltd.

14

640+

2006

14000+

17.

Aditya Birla Health Insurance Co. Ltd.

6

1200+

2015

10500+

18.

ManipalCigna Health Insurance Co. Ltd.

2

1100+

2014

8700+

19.

The New India Assurance Co. Ltd.

5

16000+

1919

7500+

The data has been taken from the official IRDAI website.

Health Insurance Companies In India (with Key Products)

Imagine having a healthcare partner who not only understands your needs but also stands by you during any health uncertainty. If you want a similar health partner then there's no better choice than the health insurance companies included in the list below.

Whether it's the ease of claim settlement, a wide network of hospitals, or a broad range of offerings, these insurers are setting the standard for what the best health insurance company should be.

1. HDFC ERGO General Insurance Co. Ltd.

HDFC ERGO General Insurance Co. Ltd. is a result of a collaboration between HDFC, India's premier Housing Finance Institution, and ERGO International AG, a key insurance entity of the Munich Re Group. As a subsidiary of HDFC Bank - one of India's leading private sector banks, HDFC ERGO General Insurance Co. Ltd. offers a comprehensive range of general insurance products. From motor, health, travel, home, and personal accident coverage for individuals to property, marine, and liability insurance for businesses, the company has got it all covered.

Key Products:

  • General Insurance
  • Health Insurance
  • Vehicle Insurance
  • Travel Insurance
  • Home Insurance
  • Accidental Insurance
  • Commercial Insurance
  • Rural Insurance

2. ICICI Lombard General Insurance Co. Ltd.

With a rich history spanning over 21 years, ICICI Lombard General Insurance Co. Ltd. is dedicated to prioritising its customers through their brand ethos of 'Nibhaaye Vaade.' The company's commitment is reflected in its extensive range of insurance products, covering motor, health, crop, fire, personal accident, marine, engineering, and liability.

Having issued over 32.7 million policies and successfully settling 3.6 million claims, the insurer's track record speaks volumes. With a widespread presence through 300+ branches and a team of 12000+ dedicated employees, ICICI Lombard General Insurance Co. Ltd. provides comprehensive and diversified insurance solutions. Their general insurance offerings extend to cover various aspects, including business, personal, and project liabilities, catering to both rural and urban areas across India.

Key Products:

  • General Insurance
  • Health Insurance
  • Vehicle Insurance
  • Travel Insurance
  • Home Insurance
  • Crop Insurance
  • Business Insurance

3. Reliance General Insurance Co. Ltd.

With a goal of making affordable insurance accessible to all, Reliance General Insurance Co. Ltd. has 127 offices and more than 90,​000+ intermediaries across India. They also have 3 crore plus policyholders across India and have 100+ insurance products. With a focus on protecting policyholders’ interests, Reliance General Insurance Co. Ltd. has a 98.6% claim settlement ratio.

If you are looking for an insurance partner who has a track record of claim settlement (1.26 Cr+ claim settled), who also has a smooth process of paperless and cashless claims, then Reliance General Insurance Co. Ltd. should definitely be in your priority set.

Key Products:

  • Health Insurance
  • Vehicle Insurance
  • Travel Insurance
  • Home Insurance
  • Crop Insurance
  • Marine Insurance

4. Go Digit General Insurance Co. Ltd.

Loved by 3 crore plus customers, Go Digit General Insurance Co. Ltd. is on a mission to simplify insurance products so that even a 15-year-old can understand them. With a claim settlement ratio of above 80%, Go Digit General Insurance Co. Ltd. is reimagining products and redesigning processes.

Key Products:

  • Car Insurance
  • Bike Insurance
  • Health Insurance
  • Travel Insurance
  • Property Insurance
  • Shop Insurance
  • Commercial Vehicle Insurance

5. Cholamandalam MS General Insurance Co. Ltd.

Cholamandalam MS General Insurance Co. Ltd. is a joint venture between the Murugappa Group and Mitsui Sumitomo Insurance Company Limited, Japan. With 11000+ cashless network hospitals, over 297 lacs customers, Cholamandalam MS General Insurance Co. Ltd. has over 29 lacs+ claims settled. The company has about 93.23% claim settlement ratio.

Key Products:

  • General Insurance
  • Car Insurance
  • Two Wheeler Insurance
  • Commercial Vehicle Insurance
  • Health Insurance
  • Property Insurance
  • Travel Insurance
  • Accident Insurance
  • Marine Insurance
  • Crop Insurance

6. SBI General Insurance Co. Ltd.

One of the fastest-growing general insurance companies in India, SBI General Insurance Co. Ltd. was established in 2009. Having served 55.55 crore customers, SBI General Insurance Co. Ltd. has a 95% plus claim settlement ratio. The company’s vision is to become the most trusted general insurer for a transforming India.

Key Products:

  • Health Insurance
  • Vehicle Insurance
  • Accident Insurance
  • Travel Insurance
  • Home Insurance
  • Aviation Insurance
  • Fire insurance
  • Liability Insurance
  • Crop Insurance

7. Royal Sundaram General Insurance Co. Ltd.

With over 2 crore customers in India, Royal Sundaram General Insurance Co. Ltd. is a subsidiary of Sundaram Finance Group. The claim settlement ratio of the company stands at over 90%.

Key Products:

  • General Insurance
  • Vehicle Insurance
  • Health Insurance
  • Home Insurance
  • Travel Insurance
  • Accident Insurance
  • Marine Insurance

8. Future Generali India Insurance Co. Ltd.

Future Generali India Insurance Co. Ltd. has a claim settlement ratio of 96.01% and has settled over 2.6 lacs claims last year. With 8000+ cashless hospitals, the company’s vision is to protect and enhance people’s lives actively. Future Generali India Insurance Co. Ltd. is a joint venture between the Generali Group and the Future Group. Established in 2006, the company's goal is to offer insurance solutions for retail, commercial, personal, and rural needs to both individuals and corporations, aiding them in effectively managing and minimising risks.

Key Products:

  • Health Insurance
  • Motor Insurance
  • Travel Insurance
  • Home Insurance
  • Lifestyle Insurance
  • Commercial Insurance
  • Social/Rural Insurance

9. Liberty General Insurance Co. Ltd.

With a claim settlement ratio of 94%, Liberty General Insurance Co. Ltd. is a joint venture between Liberty Citystate holdings PTE Ltd. and Enam Securities. The total number of partner hospitals of the company stands at 6000 pan-India. Liberty General Insurance Co. Ltd. aims to provide comprehensive retail, commercial, and industrial insurance solutions in the country. Their vision is to go beyond what other health insurance companies or car insurance companies in India might offer; to become an attentive and empathetic insurer of choice for the citizens of the country.

Key Products:

  • Motor Insurance
  • Health Insurance
  • Travel Insurance
  • Property Insurance
  • Commercial & Industrial Insurance

10. Zuno General Insurance Co. Ltd.

Formerly known as Edelweiss General Insurance, Zuno General Insurance Co. Ltd. was born from the conviction that any kind of insurance should be easy, friendly, and transparent.

Key Products:

  • Motor Insurance
  • Health Insurance
  • Commercial Insurance

11. Magma HDI General Insurance Co. Ltd.

By maintaining a claim settlement ratio of 90% and above, Magma HDI General Insurance Co. Ltd. is a company jointly held by Adar Poonawalla and Rising Sun Holdings Pvt Ltd. The company caters to all your General Insurance needs with over 70 products across various categories.

Key Products:

  • Health Insurance
  • Motor Insurance
  • Marine Insurance
  • Fire Insurance
  • Engineering Insurance
  • Liability Insurance
  • Shopkeeper's Package
  • Burglary Insurance
  • Householder's Package

12. Bajaj Allianz General Insurance Co. Ltd.

Bajaj Allianz General Insurance Co. Ltd. has a claim settlement ratio of 98%. The company is a joint venture between Allianz SE, and Bajaj Finserv Limited. Bajaj Allianz General Insurance Co. Ltd. has a strong focus on customer centricity and aims at delivering an excellent experience to its customers with care and superior value.

Key Products:

  • Motor Insurance
  • Health Insurance
  • Life Insurance
  • Travel Insurance

13. Kotak Mahindra General Insurance Co. Ltd.

Claiming to have a jet speed in addressing claims, Kotak Mahindra General Insurance Co. Ltd. has a claim settlement ratio of 98%. The company is a 100% subsidiary of Kotak Mahindra Bank Ltd. and aims to cater to a wide range of customers across the Indian region offering a variety of non-life insurance products like Motor, Health, Home, and Commercial.

Key Products:

  • General Insurance
  • Vehicle Insurance
  • Health Insurance
  • Home Insurance

14. Niva Bupa Health Insurance Co. Ltd.

Formerly known as Max Bupa Health Insurance Co. Ltd., Niva Bupa Health Insurance Co. Ltd. enjoys the trust and support of over 1 crore customers across India. The company has a 91.6% claim settlement ratio and is a joint venture between Fettle Tone LLP and Bupa.

Their mission involves empowering every Indian by imparting knowledge, offering expert guidance, and providing a comprehensive range of services in healthcare. This approach instills confidence and returns control to individuals, aligning with their desire for each moment of life to unfold just the way they want.

Key Products:

  • Health Insurance
  • Travel Insurance

15. Care Health Insurance Co. Ltd.

Care Health Insurance Co. Ltd. has secured 3 crore plus lives keeping its vision of being the most preferred health service provider, which is caring, cost-effective, innovative, and reachable on top. With a claim settlement ratio of 95.2%, the company has settled 38 lacs plus claims.

Key Products:

  • Health Insurance
  • Travel Insurance
  • Accident Insurance
  • Corporate Insurance

16. Star Health and Allied Insurance Co. Ltd.

Having 14000+ network hospitals across India, and 4.68 user rating based on 9050 user reviews, Star Health and Allied Insurance Co. Ltd. is one of the most trusted companies in India. With a 99.06% claim settlement ratio, the company claims to settle 90% of cashless claims within 2 hours of it being raised. Star Health and Allied Insurance Co. Ltd. operates with a simple and clear vision - To be the Most admired health Insurance company in India.

Key Products:

  • Health Insurance
  • Travel Insurance
  • Accidental Insurance

17. Aditya Birla Health Insurance Co. Ltd.

With 96% claim settlement ratio, Aditya Birla Health Insurance Co. Ltd. is a part of Aditya Birla Capital Ltd. (ABCL), and a joint venture between Aditya Birla Group and MMI Holdings of South Africa.

Key Products:

  • Life Insurance
  • Motor Insurance
  • Travel Insurance
  • Health Insurance
  • Corp General Insurance

18. ManipalCigna Health Insurance Co. Ltd.

ManipalCigna Health Insurance Co. Ltd. is a joint venture between Manipal Group and Cigna Corporation. With 94% of cashless approvals settled within 2 hours, the company has served over 14 lacs claims. The claim settlement ratio of ManipalCigna Health Insurance Co. Ltd. is 99.9%

Key Products:

  • Health Insurance

19. The New India Assurance Co. Ltd.

With over 2 crore policies issued, The New India Assurance Co. Ltd. has settled over 99.4 lac claims. The company has so far served 3.75 crore happy customers. The New India Assurance Co. Ltd. is on a mission to provide Financial Security to Individuals, Trade, Commerce & all other segments of Society by offering Insurance products & Services of High Quality at affordable Cost.

Key Products:

  • General insurance
  • Vehicle insurance
  • Health insurance
  • Marine insurance
  • Property insurance
  • Crop insurance
  • Aviation insurance

Role of IRDA in Regulating the Insurance Industry

The term "IRDA" or “IRDAI” stands for the Insurance Regulatory and Development Authority of India which serves as the regulatory body overseeing the insurance industry in the nation. The primary role of IRDA is to safeguard the interests of policyholders and regulate the operations of both Life Insurance and General Insurance companies in the country.

The key functions of IRDA include:

  • Protecting policyholders
  • Fostering the orderly growth of the insurance sector for the common man's benefit
  • Contributing to the nation's economic development through long-term funds
  • Establishing and enforcing high standards of integrity, fair dealing, financial soundness, and competence among insurance providers

In addition to all this, IRDA aims to expedite genuine claim settlements, prevent malpractices and fraud through grievance redress mechanisms, and promote transparency and fairness in financial markets.

In essence, the IRDA, as the apex body of the insurance industry, takes measures to formulate rules and regulations that are clear and unbiased, ensuring that no particular insurance company faces ambiguity in its implementation.

FAQs

  • Which is the No. 1 Health Insurance company in India?

    Based on the current claim settlement ratio as per IRDAI, HDFC ERGO and Reliance Health Insurance are ranked as the number 1 health insurance companies in India with CSR of 100% each.

  • What are the Top 3 factors to consider while choosing a health insurance company?

    The top 3 factors to consider while choosing a health insurance company are to look at the company’s Claim Settlement Ratio (CSR), Solvency Ratio, and Waiting Period (overall and for pre-existing diseases).

  • How do I choose the best health insurance company for my needs?

    To choose the best health insurance company based on your needs, you must look at the following factors: Claim Settlement Ratio (CSR), Solvency Ratio, Waiting Period (overall and for pre-existing diseases), Lives Covered so far, Riders and add-ons offered.

  • Which is the most Trusted Insurance company in India?

    With over 17 crore lives covered, Star Health & Allied Insurance Co. Ltd. is the most trusted Health Insurance company in India. Based on the claim settlement ratio (CSR), it is HDFC ERGO and Reliance Health Insurance with a CSR of 100% each.

  • Can I compare health insurance plans from different companies?

    Yes, you can compare health insurance plans offered by different companies directly on InsuranceDekho’s website. You can also call +91-7551196989 to get direct assistance from an InsuranceDekho advisor on buying the best health insurance policy as per your need.

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User Reviews

What users are saying
  • I recently got the Care Health Insurance Policy from InsuranceDekho. I must say that the Care health Insurance...

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    Care
    By Dishu Kumar
    On: March 14, 2024
  • InsuranceDekho's customer care approach is evident in their outstanding service. They are always available to ...

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    R
    Star
    By Ritika Kumari
    On: March 14, 2024
  • I've had the pleasure of interacting with InsuranceDekho's customer care team, and they're top-notch. They gui...

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    HDFC ERGO
    By Pooja Sharma
    On: March 14, 2024
  • When I switched to the Royal Sundaram Health Insurance Plan, I was impressed by InsuranceDekho's flexibility o...

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    Royal Sundaram
    By Rohit Dhama
    On: March 14, 2024
  • InsuranceDekho is a reliable partner for health protection. Their Universal Sompo Health Insurance Policy is w...

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    Universal Sompo
    By Raju Karhana
    On: March 14, 2024

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