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Unique features of popular plans

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Some of the most comprehensive health insurance plans in the market are highlighted in the table below. Please note that this is an indicative and not an exhaustive list of plans. Plans which are not listed in the table below could also have some unique coverages backed by quality service by the respective insurance companies. However these are some of the largest selling health insurance plans in the market and hence find their place in this list.

EIndia General Insurance Partners

Insurance Company / Product Name Age / Eligibility Sum Insured Range
Apollo Munich - Optima Restore

Apollo Munich
  • Coverage is offered from the age of 5 years till maximum entry age of 65 years.
  • A dependent child can be covered from the 91st day (if either parents are covered under this policy)
  • Lifelong Renewal
 ₹ 3 lacs - ₹ 50 lacs
Star Health – Family Health Optima Insurance Plan (Individual & Family)

Star Health
  • Persons between 18 years and 65 years of age at the time of entry can take this Insurance.
  • Dependent children can be covered from 16 days and up to 25years of age (upto 3 children)
  • Lifelong renewals.
 ₹ 3 lacs - ₹ 25 lacs
HDFC Ergo
M: health Suraksha

Hdfc-Logo
  • Entry Age : 91 days
  • Children below 5 years would be covered provided both the parents are covered under our policy.
  • No Maximum Cap on Entry Age.
  • Lifelong Renewals
 ₹ 3 lacs - ₹ 50 lacs
SBI General Arogya Premier

SBI General
  • Entry Age : 3 months
  • Maximum Entry Age : 65 years.
  • Lifelong Renewals
 ₹ 0.50 lacs - ₹ 30 lacs
New India Mediclaim Premier

india
  • All the persons proposed for this Insurance should be between the age of 18 years and 65 years.
  • Children between the age of 3 months and 18 years are covered provided one or both parents are covered concurrently.
  • Lifelong Renewals
 ₹ 1 lacs - ₹ 15 lacs
Religare Health - Care

Care Health
  • Entry Age : 91 days
  • Persons above 18 years of age at the time of entry can take this Insurance.
  • No Maximum Entry Age
  • Lifelong Renewals
 ₹ 4 lacs - ₹ 40 lacs

Pros and Cons of Health insurance in India

While it is universally agreed that Health Insurance is an important coverage that all individuals and families should have, there are still many debates around the pros and cons of Health Insurance in India…some of the points of note are below:

Pros of Health Insurance in India Cons of Health Insurance in India
Financially supports the family at the time of hospitalization. Still relatively costly in India since penetration is still around 20% of overall population.
Pushes the insured to follow a health lifestyle in terms of dietary and physical activities. Pre Existing Conditions still have waiting periods upto 4 years.
Once enrolled in a policy, lifelong renewability is assured subject to renewing the policy on time. Hospitals tend to inflate medical expenses when individual has health insurance.
Network Hospitals across India for Cashless Inpatient Treatment.
Income Tax Benefits

Resourceful Indian health insurance links

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Why should we buy India health insurance?

Why should we buy India health insurance?

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Indian mediclaim insurance benefits

Benefits of buying health insurance plans

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Mediclaim insurance factors

Factors to consider while buying health insurance plan

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Compare and buy mediclaim insurance India!

Insurance buyers can review and compare the benefits provided by diffrent Indian mediclaim insurance products.
Compare health insurance quotes
Find the best Indian health insurance 

India health insurance blogs and articles

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Tips for buying best mediclaim insurance

India health insurance tips and tricks to choose the best medical insurance in India

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Top reasons for health insurance claims rejection

Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement.

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India health insurance coverage, factors and premium calculator

Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans.

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Indian health insurance resources

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Individual health insurance

Every individual must buy insurance and for themselves and members of their family, based on their requirements.

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Family floater health insurance

Family floater is one single policy that takes care of the hospitalization expenses of your entire family.

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Top Up plans

A typical Top Up Health Insurance plan is an additional coverage for an individual who is already covered under an existing Health policy.

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Benefit plans

Buy benefit plans under health insurance

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Accident plans

Accident, is an unexpected event, typically sudden in nature and associated with injury, loss, or bodily harm.

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Maternity and pregnancy

What are the normal coverages under a maternity insurance plan?

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