Compare Health Insurance Plans From India's Top Insurers
Cashless hospitalisation, family floater cover and critical illness protection — find a health plan that fits your family and your budget.
Overview
Why you need health insurance in India
Medical inflation in India has been rising faster than general inflation for years, and a single hospitalisation can wipe out months of savings. A good health insurance plan covers hospital bills, pre and post-hospitalisation expenses, and increasingly, outpatient and wellness costs — so a medical emergency doesn't become a financial one.
Care Health
HDFC ERGO
ICICI Lombard
Axis Max Life
TATA AIG
Star Health
Benefits
What you get with a health insurance plan
Cashless Treatment
Get treated at 10,000+ network hospitals without paying upfront.
No Claim Bonus
Your sum insured can grow every claim-free year, at no extra premium.
Pre-Existing Disease Cover
Choose plans that cover pre-existing conditions after a defined waiting period.
Tax Benefits
Premiums paid qualify for deduction under Section 80D of the Income Tax Act.
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Health Insurance plan types at a glance
A quick look at the most common health insurance plan structures available in India.
| Plan Type | Typical Sum Insured | Best For | Cashless | Premium Range |
|---|---|---|---|---|
| Individual Health Plan | ₹5L – ₹1Cr | Single person | Yes | Low |
| Family Floater Plan | ₹10L – ₹1Cr | Whole family, shared sum insured | Yes | Medium |
| Critical Illness Plan | ₹10L – ₹50L | Lump sum on diagnosis of listed illness | Yes | Medium |
| Senior Citizen Plan | ₹3L – ₹25L | Age 60+ | Yes | High |
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FAQs
Health Insurance — frequently asked questions
A waiting period is the time you must wait after buying a policy before certain claims (like pre-existing diseases or specific treatments) become eligible. It typically ranges from 30 days to 4 years depending on the condition.
Some family floater plans allow parents, but insurers often recommend a separate senior citizen plan for parents above 60, since combining ages can raise the overall premium.
Co-payment means you pay a fixed percentage of every claim out of pocket, with the insurer covering the rest. It's common in senior citizen plans and can lower your premium if you opt in voluntarily.
Most comprehensive health insurance plans in India cover hospitalisation for COVID-19 and related illnesses, subject to policy terms and network hospital availability.
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