Health Insurance Plans — Compare 15+ Plans

New India Assurance

New India Mediclaim Policy

• ✓Public-sector PSU insurer (Govt. of India)
• ✓Sum insured options from ₹1L to ₹15L
• ✓139 daycare procedures covered

Covers: Self, Spouse, Dependent children (3 months–25 years), Parents

• ✓20 base covers + 8 optional covers
• ✓Sum insured from ₹1L up to ₹1 Crore
• ✓100% refill / restoration of sum insured

Covers: Self, Spouse, Dependent children (91 days–25 years), Parents, Parents-in-law

• ✓Three variants: Silver, Gold, Platinum (increasing benefits)
• ✓In-patient hospitalisation
• ✓Pre-hospitalisation (60 days)

Covers: Self, Spouse, Dependent children, Parents, Parents-in-law, Siblings (limited)

Digit Insurance

Digit Health Care Plus

Featured

• ✓Two separate sum-insured 'wallets' in the same policy year (Double Wallet)
• ✓Sum Insured Backup — full restoration once per policy period for related and unrelated illnesses
• ✓No co-payment at any age or zone

Covers: Self, Spouse, Children, Parents

Kotak General

Kotak Health Premier

• ✓405 day-care surgeries and procedures covered
• ✓Pre-hospitalisation cover for 60 days
• ✓Post-hospitalisation cover for 90 days

Covers: Self, Spouse, Dependent Children, Dependent Parents, Parents-in-law, Siblings

Care Health

Care Supreme

Featured

• ✓Unlimited restoration of sum insured
• ✓Sum insured up to ₹6 Crore
• ✓No claim bonus up to 150%

Covers: Self, Spouse, Children, Parents

• ✓Three variants: Protect, MediCare, Premier
• ✓In-patient hospitalisation cover
• ✓Pre-hospitalisation (60 days)

Covers: Self, Spouse, Dependent children, Parents, Parents-in-law

Acko

Acko Platinum Health Insurance

• ✓Zero co-payment at any age
• ✓No room rent cap (any room category)
• ✓100% restoration of sum insured

Covers: Self + spouse (2 adults 18+), Up to 4 dependent children (3 months–25 years)

ManipalCigna

ManipalCigna ProHealth Prime

• ✓Three variants — Protect (broad base), Advantage (with cashless OPD), Active (PED-friendly with 90-day waiting on listed chronic conditions)
• ✓Guaranteed 25% NCB per year up to 200% of SI on Protect & Advantage (paid even on claim years)
• ✓Unlimited restoration of sum insured for related and unrelated illnesses (Protect & Advantage)

Covers: Self, Spouse, Children, Parents, Parents-in-law, Siblings, Grandparents, Grandchildren, Extended relations

Star Health

Star Comprehensive Health

Featured

• ✓No pre-acceptance medical screening required
• ✓100% automatic restoration of sum insured (once/year)
• ✓Maternity cover included (normal ₹15K, C-section ₹20K)

Covers: Self, Spouse, Dependent Children, Parents, Parents-in-law

Niva Bupa

Niva Bupa ReAssure 2.0

• ✓Worldwide emergency cover
• ✓100% restoration benefit
• ✓No room rent limit

Covers: Self, Spouse, Children, Parents

ICICI Lombard

ICICI Lombard Complete Health Insurance

• ✓In-patient hospitalisation cover
• ✓Pre-hospitalisation expenses (60 days)
• ✓Post-hospitalisation expenses (180 days)

Covers: Self, Spouse, Dependent children, Parents, Parents-in-law

HDFC ERGO

HDFC ERGO Optima Secure

Featured

• ✓No room rent limit — stay in any room
• ✓100% unlimited restoration of sum insured (multiple times/year)
• ✓Highest CSR in industry (~98%)

Covers: Self, Spouse, Children, Parents

Aditya Birla Health

Aditya Birla Activ Health Platinum

Featured

• ✓Day-1 cover for 7 listed chronic conditions (incl. hypertension, diabetes, asthma) under Chronic Management Programme
• ✓Super Reload — 100% restoration of SI, unlimited times per policy year, for related and unrelated illnesses
• ✓Super Credit (optional) — 100% SI increase every year regardless of claims, capped at 500% / ₹3 Cr

Covers: Self, Spouse, Children, Parents, Parents-in-law, Siblings, Grandparents, Extended family

Star Health

Star Family Health Optima

Featured

• ✓Family floater: entire family shares one sum insured
• ✓Automatic restoration: 100% sum insured restored up to 3 times in a policy year on exhaustion
• ✓Recharge benefit: additional ₹1,50,000 once if SI is exhausted

Covers: Self, Spouse, Dependent Children (16 days–25 years), Up to 2 Dependent Parents / Parents-in-law