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5 Best Health Insurance Plans In India

Published On Oct 27, 2021

Health insurance plans are an integral part of an individual's life as it provides them with much needed financial aid at the time of a medical emergency. Due to the global pandemic and the rise in inflation, the basic costs of healthcare treatments have increased drastically thus, burning a hole in the pockets of the policyholders. Health insurance plans also ensure quality treatment of the patients at the private hospitals without concern about the monetary constraints. Apart from compensating for the medical expenditures, it also offers accumulated benefits like tax-saving perks, no claim bonus, etc. to the policyholders, thus enhancing the existing health insurance plan.  

5 Best Health Insurance Plans In India

Let us look at some of the best health insurance plans that are available for the policyholders in the Indian insurance market: 

1. Care Health Insurance Plan 

This regular health insurance plan is offered to its policyholders by Care health insurance company and it is widely bought by the policyholders from the insurance market. This health insurance policy provides extensive and cost-effective plans to its policyholders and also provides accumulated benefits like no claim bonuses under which rewards are offered to the customers for every claim free year. It also offers daycare treatments, inpatient care, hospitalization costs, second opinion options in case of critical diseases, ambulance charges, daily cash benefits, annual health checkups, tax saving perks and much more. AYUSH treatments are also looked after under this health insurance policy.  

 2. Max Bupa Health Companion Plan

This basic health insurance policy by Max Bupa health insurance is offered to the policyholders in three different variants, depending on their choice. It compensates for the domiciliary hospitalization costs, pre and post hospitalization expenses, emergency ambulance costs, living organ donor expenses, inpatient care, and a lot more. The waiting period for this plan is around 4 years for pre existing diseases and up to 30 days for any other specified illness. It does not offer financial aid for expenses like hazardous activities, cosmetic surgery, HIV/AIDS treatment, obesity treatment, etc. 

3. Aditya Birla Activ Assured Diamond Plan 

With a high claim amount, this health insurance plan is offered to the policyholders by Aditya Birla health insurance company. Some of the prominent features included under this cover are inpatient costs, daycare procedures, domiciliary hospitalization expenses, reinstatement of sum assured, organ donor expenses, health coach services, second opinions over telephones or internet, room upgradation, tax deduction benefits, heath returns, and much more. Genetic disease treatments, self harm injuries, mental disorder treatments, etc are some of the features that are excluded from the plan. 

4. HDFC Ergo My : Health Suraksha Cover  

This exclusive health insurance plan can be bought for individuals, families, or senior citizens. It offers complete protection to the policyholders against the expenses that can incur at the time of a medical emergency. The claim amount under this plan may range from Rs. 3 Lakh to Rs. 75 Lakh, and it is available in three different variants. With no minimum age restrictions, this plan offers the facility of lifetime renewability of services to its policyholders. 

5. Bajaj Allianz Health Guard Family Floater Plan 

Widely known for its quick and hassle-free services, Bajaj Allianz health insurance company offers this extensive plan for its policyholders. This plan can be bought for your entire family as it provides sufficient coverage for all the members of the family covered under the plan. This plan is available in different variants that offer the policyholders the flexibility to choose a suitable variant for themselves. Complimentary health checkups, reinstatement benefits, daycare procedures, etc are some of the additional perks that are provided to the policyholders. 


There are a plethora of health insurance plans in the market and therefore, you must conduct your own research and then invest in a particular health insurance plan. You can compare a lot of plans depending on their features and choose the one which is not only comprehensive but also cost-effective. 

Also Read: Things You Didn’t Know Health Insurance Covers

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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