Which is Best Health Insurance in India? (Top Picks & Reviews)

Tax Benefits

• Tax benefits under 80D of Income Tax Act

Waiting Period

• First 24 Months From Policy Inception - Few illnesses & treatments are covered after two years of policy issuance.
• First 36 Months From Policy Inception - Declared or accepted pre-existing conditions at the time of application will be covered after 36 months of continuous coverage after the date of inception
• First 30 Days From Policy Inception - Only accidental hospitalisations shall be admissible in the first 30 days from the date of policy issuance.

Renewability and Coverage

• In-patient Treatment
• Pre-hospitalization
• Post-hospitalization
• Day care Procedures
• Domiciliary Hospitalization
• Ambulance Cover
• Organ Donor Expenses
• Restore Benefit
• Multiplier Benefit
• Preventive Health Check-up
• E-Opinion in respect of a Critical Illness
• Emergency Air Ambulance
• Stay Active Benefit
• Critical Advantage Rider (optional)

Additional Benefits

• Coverage for hospitalization, pre and post hospitalization, day care expenses and more
• Restore Benefit automatically adds 100% sum insured on complete or partial utilization of your Sum Insured
• Multiplier benefit doubles your sum insured in 2 claim free years
• Preventive Health check-up benefit offered at renewal irrespective of claim status
• We encourage you to stay fit and with Stay Active benefit, simply walk your way to good health and earn upto 8% discount on your renewal premium.
• No sub-limit on room rent: With Optima Restore you can get the room you like and the treatment you deserve without a hassle
• Policy term option of 1 and 2 year, and is available for both individuals and family
• Family Discount of 10% if 2 or more family members are covered under Optima Restore Individual Sum Insured Plan, and an additional 7.5% discount is offered on the premium if you choose a 2 year policy
• Cashless treatment at network hospitals
• Life-long renewability, subject to regular receipt of premiums by Us.

Age

• The minimum entry age for the customer to receive the policy is 6 years and there is no restriction on maximum entry age. Children between 3 months to 5 years can be insured under floater plan only

Tax Benefits

• Income tax benefits under Section 80D

Hospital Benefits

• Health Check-up: Free Health Check-up coupon for each Insured every policy year, upto 2 coupons per year for floater policies.
• Hospital Daily Cash: Fixed amount payable for every completed day of hospitalisation, for hospitalisation of minimum 3 consecutive days up to maximum of 10 consecutive days.
• Convalescence Benefit: Rs.10,000 per insured paid once during the policy period in case of hospitalisation, for 10 consecutive days
• Maternity with New Born Baby Cover5: Reimbursement for medical expenses incurred for delivery during hospitalisation. New born child is covered up to 91 days from its date of birth
• 5

Network Hospitals

• Avail cashless hospitalisation at any of our 6500+ network hospitals

Renewability and Coverage

• In Patient Treatment: Medical expenses incurred, for hospitalization more than 24 consecutive hours.
• Pre Hospitalisation: Medical expenses incurred 30 days before hospitalisation will be covered
• Post Hospitalisation: Medical expenses incurred 60 days after hospitalisation will be covered
• Daycare Procedures and Treatment: All medical expenses incurred while undergoing Day Care Procedures are covered
• PED waiting period (Declared & Accepted): Covered immediately after 2 years of continuous coverage under the policy
• In Patient AYUSH hospitalisation: Hospitalisation expenses for Ayurveda, Unani, Siddha and Homeopathy (AYUSH) treatment, on reimbursement basis.
• Donor Expenses: Medical Expenses incurred by organ donor, on organ being donated to the insured.
• Unlimited Reset benefit4: Reset up to 100% of the cover amount unlimited times in a policy year, if insufficient because of previous claims in that policy year.
• Domiciliary hospitalisation: Coverage for medical expenses when the Insured cannot be moved to a hospital or if rooms in the hospital are unavailable.
• Air Ambulance Cover: Cover up to the base Sum Insured for Air Ambulance expenses incurred during an emergency
• Domestic Road Ambulance: Cover up to 1% of Sum Insured maximum up to Rs.10,000 per hospitalisation
• Outpatient Treatment Cover: Reimbursement for the medical expenses incurred as an Outpatient (OPD).

Additional Benefits

• No medical tests needed below the age of 56 years and Sum Insured up to 20 Lakhs.
• Ambulance Assistance: Ground medical transportation assistance by a Service provider
• Health Check-up: Free Health Check-up coupon for each Insured every policy year, upto 2 coupons per year for floater policies.
• Online Chat with Doctor, E-Second opinion, Dietician & Nutrition e-consultation, Health Assistance
• Wellness Program: Wellness points accrued can be redeemed against out-patient medical expenses

Age

• new born (at least 90 days) to senior citizens of any age

Tax Benefits

• You will save tax under Section 80D of the Income Tax Act when you buy a Niva Bupa health insurance policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.

Renewability and Coverage

• In-patient Care (Hospitalisation)
• Hospital Accommodation
• Pre & Post Hospitalisation Medical Expenses
• All day care treatments covered
• Refill Benefit
• Avail In-patient treatment under AYUSH (Ayurveda, Unani, Siddha and Homeopathy) up to the base sum insured.
• Renewal Benefit
• Living Organ Donor Transplant
• Domiciliary Treatment
• Vaccination in case of Animal Bite
• Hospital Cash (Optional)
• Assured Policy Renewal for Life
• Direct Claim Settlement
• Cashless Facility

Additional Benefits

• 2 year Policy Tenure Option - When you take a policy for two years, you get 12.5% discount on the second year premium.
• We also cover the ambulance expenses to transfer the insured following an emergency to the nearest hospital. These expenses are paid up to Rs 3,000 only if we have accepted the In-patient claim.

Age

• Any person aged between 18 to 65 years, residing in India, can take this insurance
• Beyond 65 years only renewals
• Child above 16 days can be covered as part of the family

Renewability and Coverage

• Wider coverage for family
• Affordable premium
• >Extra sum insured at no extra cost
• Health check-up benefit
• 3 times automatic restoration of sum insured
• Cover for assisted reproductive treatment
• Child above 16 days can be covered
• Donor expenses for organ transplantation
• Domiciliary hospitalisation expenses for treatment exceeding 3 days
• Cover for all day care procedures
• A grace period of 120 days from the date of expiry of the policy is available for renewal.

Age

• Entry age (Adult) - 18 yrs to 65 yrs, Entry age (Child) - Minimum entry age will be 91 days

Waiting Period

• Pre-existing & specific illness waiting period - Covered after a waiting period of 2 and 3 years respectively
• Initial waiting period 30Days

Renewability and Coverage

• Pre-Post hospitalization
• Day care treatment
• Domiciliary treatment
• Health check-up
• Compassionate travel
• Restore benefit
• Ambulance cover
• Ayush Treatment
• Opd treatment
• Global cover for planned hospitalization
• Maternity cover
• Emergency air ambulance cover
• Prolonged hospitalization
• Wellness service
• In-patient treatment
• High-end diagnostics
• Accidental death benefit
• Maternity cover
• First-year vaccinations
• Organ donor
• Compassionate travel
• OPD dental treatment
• Home physiotherapy

Additional Benefits

• Global cover for planned hospitalization - covers medical expenses related to inpatient & day care hospitalization of the insured person incurred outside India, provided that the diagnosis was made in India.Expenses incurred towards obtaining a visa for medical treatment are also covered.
• Consumables benefit - covers expenses incurred, for specified consumables, which are consumed during the period of hospitalization directly related to the insured person's medical or surgical treatment of illness /disease/injury.
• Restore benefits - automatically restore the basic sum insured if the sum insured and accrued cumulative bonus is insufficient to pay a claim during the policy year. For single premium multi-year policies, the insured can utilize a maximum of up to 3x restore in a policy year. I.e., can utilize the available restorations anytime during the policy period, except for the first claim, e.g., a policy with tenure of 3 years, the insured is eligible for a total of 3 restorations anytime during the policy period and 2 restorations for a 2 years policy.
• Emergency air ambulance - covers the expense of ambulance transportation by airplane or helicopter for emergency life-threatening health conditions, which require immediate ambulance transportation to the hospital/medical center for further medical management.
• Wellness services
• covers expenses incurred for treatment taken at home for dialysis/chemotherapy/pandemic care at home
• Tax Benefit

Age

• The entry age for adults under this policy can be from 18 to 65 years. The entry age for dependent children is from 91 days to 30 years in a family floater policy.

Tax Benefits

• Save tax under Section 80D of the Income Tax Act when you buya Niva Bupa health insurance policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.

Waiting Period

• Pre-existing disease waiting period of 24 months since inception of the policy and continuous renewal. For Critical Illness cover, pre-existing disease waiting period would be 48 months along with a Survival Period exclusion of 30 days for all conditions.
• Initial waiting period of 30 days unless the treatment needed is the result of an Accident. For Critical Illness cover, initial waiting period would be 90 days.
• Specific waiting period of 12 months, since the inception of the first policy with us, for some listed illnesses, unless the condition is directly caused by Cancer (covered after Initial Waiting Period of 30 days) or an Accident (covered from day 1).
• For HIV / AIDS cover, there will be a waiting period of 48 months since inception of the Policy and subject to continuous renewal.

Hospital Benefits

• Hospital Cash (Optional)
• International coverage extension (Optional)
• Health Coach (Optional)
• Enhanced Geographical Scope for international coverage (Optional)
• Assured Policy Renewal for Life

Specific Exclusions

• Ancillary Hospital Charges
• Hazardous Activities
• Artificial life maintenance
• AYUSH Treatments
• Conflict & Disaster
• External Congenital Anomaly
• Convalescence & Rehabilitation
• Cosmetic or plastic Surgery
• Dental/oral treatment
• Eyesight & Optical Services
• Experimental or Unproven Treatment
• Hormone Replacement Therapy
• Hospitalization not justified
• Inconsistent, Irrelevant or Incidental Diagnostic procedures
• Non-Medical Expenses
• Obesity and Weight Control Programs
• Reproductive medicine & other Maternity Expenses
• Robotic Assisted Surgery, Specialized Light Amplification by Stimulated Emission of Radiation (LASER) & Cyber Knife Treatments
• Sexually transmitted Infections & diseases
• Permanent Exclusions for Personal Accident Cover
• Generally Excluded Expenses
• Treatment received outside India

Copayment Deductibles

• There will be no co-payment if you choose Zone 1 coverage. If you chooseZone 2 coverage, you will be entitled for a premium discount but will have to bear a 20% co-payment for treatment in Mumbai (including Navi Mumbai and Thane), Delhi NCR, Kolkata & Gujarat state.

Renewability and Coverage

• In-patient Care (Hospitalisation)
• Hospital Accommodation
• Pre & Post Hospitalisation Medical Expenses
• Day care treatments covered
• Domiciliary Hospitalisation
• Alternative Treatments
• Organ Transplant
• Emergency Ambulance
• Unlimited tele / online consultations available under this product.
• Maternity Benefit
• Newborn Baby
• Health Checkup
• Refill Benefit
• Premium waiver
• Pharmacy and Diagnostic Services
• Loyalty Additions
• HIV / AIDS
• Emergency assistance services
• Mental Disorder Treatment
• Weight loss (Bariatric) surger
• Cyber knife/ Robotics surgery
• LASER surgery cover
• Second Medical Opinion
• Child Care Benefits
• Specified Illness Cover
• OPD Treatment and Diagnostic Services
• International coverage
• Personal Accident Cover (Optional)
• Critical Illness Cover (Optional)
• Enhanced Loyalty Additions (Optional)

Additional Benefits

• Direct Claim Settlement
• Cashless Facility
• Free Look Period

Age

• 5 years in case of Individual Policy
• 91 days in a family floater with one member Age >18 years.
• No upper age limit for enrollment (maximum entry age for child is 24 years).

Tax Benefits

• Tax benefits under section 80D of IT Act 1961

Waiting Period

• 30 days waiting period to claim for all illnesses, except injury.
• 24 months waiting period for named ailments
• 48 months waiting period for pre-existing diseases

Hospital Benefits

• 540 + Day Care treatment covered
• Covers AYUSH up to specified limits
• In-built maternity coverage (available with select Sum Insured options)

Copayment Deductibles

• Customer can choose to purchase a policy with co-payment or without co-payment if the entry age >=61 year.

Renewability and Coverage

• Lifelong renewability.
• Grace period of 30 days to renew your policy.

Additional Benefits

• Care Anywhere - covers treatment for specified critical illnesses globally (available with select Sum Insured options)
• Upto 150% increase in Sum Insured with NCB & NCB Super
• Annual health check-up for all insured members
• Automatic recharge of Sum Insured

Hospital Benefits

• In Patient Hospitalization - Expenses covered like room rent, doctor’s fee, operation theatre expenses, medicines, drugs and other consumables under the policy as per eligibility including COVID-19 Hospitalization expenses
• In case the Sum Insured with cumulative bonus (if any) is insufficient as a result of previous claims in that policy year, then you get an additional Sum Insured for your health needs, for subsequent claim due to unrelated illnes
• Mental Illness Hospitalisation - An excellent, first of its kind benefit is now available for you. The medical expenses incurred by you up to Sum Insured towards in-patient hospitalization specifically for any Mental Illness. The mental illness needs to be clinically significant and should not be related to intentional self-inflicted injury or attempt suicide by any means
• Modern Treatment Methods - Cover Modern Treatment Methods and Advancement in Technologies like robotic surgeries, oral chemotherapy, etc. (Refer to policy document for more details)
• Obesity Treatment - Covers medical expenses for Bariatric Surgery, which is medically necessary, on the written advice of Medical Practitioner. (Refer to policy document for more details)

Additional Benefits

• Earn up to 100% Health Returns
• Cumulative Bonus - 50% increase in Sum Insured every policy year, maximum upto 100% . Accumulated bonus will not be reduced even when claim is made in any subsequent year upto a limit of INR 1 Crore sum insured
• Wellness Coach - We constantly keep reminders for our work and schedules, but what about our diet, fitness and nutrition. Qualified wellness coach that will guide you through your wellness journey and gives you pointers for being the healthiest version of you
• Chronic Management Program - Activ Health’s Chronic program has been specially designed for people with conditions like Diabetes, Asthma, High Cholesterol and High Blood Pressure
• HealthReturns™ - Earn upto 100% HealthReturns™ forstaying fit and healthy and use it towards your health expenses*. Refer to policy document for more details
• Modern treatment methods covered, get Premium Waiver in case of detection of a critical illness, double your Sum Insured in 2 claim free years
• Modern treatment methods covered, get Premium Waiver in case of detection of a critical illness, double your Sum Insured in 2 claim free years

Age

• Maximum Age 65 Years

Tax Benefits

• Tax deductions are subject to provision of Sec.80D of the Income Tax Act, 1961 applicable amendments and are subject to change in the tax laws. 80D deduction is subject to fulfilment of terms and conditions mentioned in the Act.
• Suggest consulting your tax advisor for more information on this benefit

Network Hospitals

• Network Hospital- RCARE will arrange for Cashless facility along with Reimbursement option
• Non-Network Hospital- For Re-imbursement claims please follow the process as mentioned in policy wordings.

Renewability and Coverage

• Investigation & Evaluation/ Wellness and Rejuvenation
• Dietary Supplements & Substances
• Cosmetic or Plastic Surgery unless due to Accident/Burns or Cancer
• Hazardous or Adventure sports
• Breach of law
• Substance Abuse and Alcohol
• Refractive Error less than 7.5 dioptre
• Sterility and Infertility
• Maternity Expenses
• Dental Treatment
• External Congenital Anomaly
• Non-Allopathy / Treatment except AYUSH
• Self-injury or suicide
• Nuclear Attack/War

Additional Benefits

• Sum insured upto 1cr
• Hospital cash
• Consumable Cover
• Choose hospital room rent as per your needs
• Wide Range of Sum Insured
• Starting from 3 Lacs to 1 crore

Additional Benefits

• Double benefit in case of Accidental Death
• Weekly coverage up to 100 weeks incase of TTD (Optional Cover)
• Triple benefit in case of PTD
• Loyalty benefit increases SI by 5% every year max. up to 50% in case of renewal
• Coverage for Burns, Fractures
• Reconstructive surgery & Domestic Road Ambulance
• Coverage on Child education
• Nursing care
• Mobility cover