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Best Health Insurance Plans in 2022

Updated On Aug 27, 2022

Health insurance plans cover a variety of medical costs for the insured, depending on the amount of coverage chosen and the premium paid. Popular insurance companies with an impressive number of claims paid out offer some of the best health insurance plans on the market. 

Before you choose a health insurance plan, you should know what it covers, what it doesn't cover, the terms, features, etc. In this article, we bring to you the list of best health insurance plans available in India in 2022.

Best Health Insurance Plans in 2022

Best Health Insurance Policies in India for 2022 

To help you with the process:

  1. This policy pays for medical costs between Rs 2 lakh and Rs 2 crore, and there are more than 10,000 network hospitals in the network.
  2. The Aditya Birla Activ Health Platinum plan is a good choice for people who want a full plan for themselves because it has many benefits that are good for them.
  3. It pays for 60 days of costs before and 180 days of costs after a hospital stay. It also pays for long-term conditions like diabetes, asthma, and high blood pressure from the first day of the policy.
  4. It pays for things like tests, doctor visits, and medicine. Also, illness, treatment for obesity, and treatment at home are covered up to the amount of insurance.
  5. The policy pays Rs 1,000 for care in the outpatient department (OPD) (available for a sum insured of Rs 15 lakh and beyond).
  • STAR Health's Red Carpet Health Policy for Older People

  1. Coverage ranges from Rs 1 lakh to Rs 25 lakh, and there are over 12,000 hospitals in the network.
  2. This policy is made especially for people who are 60 years old or older. Most other types of health insurance end at age 65. The policy can be bought for one, two, or three years, and it can cover one person or a whole family.
  3. There is no need to get a medical test before getting insurance, and the sum insured can be as high as Rs 25 lakh.
  4. It covers daycare procedures, surgeries, and modern treatments like deep brain stimulation, robotic surgeries, intravitreal injections, bronchial thermoplasty, and others.
  5. The policy starts to cover illnesses that were already there in the second year.
  • The Complete Health Insurance Policy from ICICI Lombard

  1. Coverage ranges from Rs 1 lakh to Rs 50 lakh, and there are more than 6,500 hospitals in the network.
  2. The ICICI Lombard Complete Health Insurance plan is a full health policy for an individual or a family, with different sub-plans.
  3. After two years from the date the policy began, it covers diseases that were already there (available on a plan with a sum insured of Rs 3 lakh and above)
  4. Policyholders under 45 don't have to pay a co-pay or get a medical checkup first.
  5. For a family floater plan, you get two coupons for free health checks every year.
  •  Health Optima Star Family

  1. Coverage ranges from Rs 1 lakh to Rs 25 lakh, and there are over 12,000 hospitals in the network.
  2. The policy protects the whole family on a "family floater" basis, and the premium isn't too high.
  3. If the policyholder has an accident, the amount of insurance automatically goes up by 25% (up to 5 lakhs) (subject to add-ons).
  4. If the policyholder doesn't renew the plan on time, they have 120 days to do so.
  5. It pays for the costs of being in the hospital, like room charges, medicine, and drugs. Also, 10% of the amount insured is set aside for costs like emergency ambulance fees and air ambulance fees.
  6. It covers costs for 60 days before a hospital stay and 90 days after a hospital stay. It pays up to Rs 1 lakh for organ transplant costs.
  • HDFC ERGO Health Suraksha

  1. This policy covers between Rs 3 lakh and Rs 10 lakh and has more than 13,000 hospitals in its network.
  2. This insurance plan gives you the best coverage at a price you can afford, and there are no age limits.
  3. The plan's most important parts include the benefits of daycare, Ayurvedic treatment, and organ donation costs.
  4. It covers things like mental health care and air ambulance costs, as well as giving benefits to women who are pregnant or just had a baby.
  5. Costs before going to the hospital are covered for 60 days, and costs after leaving the hospital are covered for 90 days.


You can compare and choose the best health plan for you and your family, which will cover medical costs like pre- and post-hospitalization costs, day-care costs, coronavirus treatment, critical illness hospitalisation, etc., depending on your preferences.

Also Read: 

All About the Maternity Rider in Health Insurance Plans

Benefits of Senior Citizens Red Carpet Policy offered by Star Health & Allied Insurance


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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