Top Health Insurance Plans
About the Insurer: A leading private sector general insurance company, HDFC ERGO is a joint venture between HDFC Ltd., India’s premier housing finance institution, and ERGO International AG, the primary insurance entity of the Munich Re Group. They are known for their customer-centric approach and innovative product offerings.
About the Product: The Optima Secure plan is designed to provide four times the coverage at no additional cost. It’s a future-ready plan that offers comprehensive benefits, including instant addition to your base cover, automatic restoration, and coverage for non-medical expenses, ensuring you and your family are always well-protected.
Key Features:
4X Coverage
Your base cover is enhanced with Secure, Plus, and Restore benefits, effectively quadrupling your protection.
Secure Benefit
Get an instant 100% addition to your base sum insured from day one at no extra cost.
Automatic Restore
Enjoy 100% restoration of your base sum insured for any subsequent claim, even for the same illness.
Protect Benefit
Covers 68 listed non-medical expenses like gloves, masks, and other consumables, minimizing out-of-pocket costs.
No Room Rent Capping
Choose any hospital room, including suites, without any sub-limits, ensuring a comfortable recovery.
Preventive Health Check-ups
Avail of a free health check-up within 60 days of renewal to proactively manage your health.
About the Insurer: Zurich Kotak General Insurance is a joint venture between Zurich Insurance Group, a leading global insurer, and Kotak Mahindra Bank, one of India’s most trusted financial institutions. Together, they bring international expertise and strong local presence to deliver innovative, reliable, and customer-focused insurance solutions.
About the Product: Health360 is Zurich Kotak’s flagship health insurance plan designed to provide complete protection with flexible coverage options up to ₹5 crore. The plan offers unlimited restoration of sum insured, premium security, global treatment options, and wellness-linked rewards ensuring your health and finances are safeguarded 360 degrees.
Key Features:
Wide Sum Insured Options
Choose coverage ranging from ₹5 lakh to ₹5 crore, suitable for individuals and families.
Unlimited Restoration
Enjoy unlimited refills of your sum insured in a policy year, covering multiple and unrelated illnesses.
Flexible Plans
Three plan variants - Silver, Gold, and Platinum to suit different budgets and requirements.
Wellness Rewards
Get up to 30% discount on renewal premium by tracking daily fitness goals like 10,000 steps.
Global Cover
Access emergency or planned treatments abroad under the Platinum plan with coverage up to ₹2 crore.
Annual Health Check-ups & E-Consultations
Avail free yearly health check-ups and unlimited online doctor consultations for proactive care.
About the Insurer: A part of the Aditya Birla Group, this insurer focuses on empowering individuals to lead healthier lives. Their products are designed to not only cover medical expenses but also to reward and incentivize wellness.
About the Product: Activ One NXT is a next-generation health plan that goes beyond traditional insurance. It offers a unique blend of comprehensive coverage and proactive wellness benefits, including up to 100% HealthReturns™, rewarding you for staying healthy. It also provides robust coverage for chronic conditions from day one.
Key Features:
Up to 100% HealthReturns™
Earn back up to 100% of your premium as HealthReturns™ for achieving your fitness goals, usable for future premium payments.
Super Credit
Get a guaranteed 50% or 100% increase in your sum insured in the second year, regardless of claims.
Chronic Management Program
Day 1 coverage for chronic conditions like asthma, diabetes, high blood pressure, and high cholesterol.
Claim Protect
Covers the cost of non-payable items, ensuring you don't have to pay for consumables during hospitalization.
Health Check-up Program
Comprehensive health check-ups available from day 1 to help you monitor and manage your health proactively.
Wellness Coach
Access to a wellness coach for guidance on nutrition, fitness, and mental health counseling sessions.
About the Insurer: A joint venture between the Future Group and Generali, a global insurance group. They aim to provide simple and innovative insurance solutions to their customers.
About the Product: Health Absolute is a comprehensive plan that offers a wide range of benefits, including an extensive list of day care procedures, loyalty discounts, and optional coverage for outpatient treatments. It's designed to provide absolute peace of mind.
Key Features:
Day Care Procedures
The most extensive list of day care treatments in the industry, ensuring maximum coverage for minor surgeries.
Loyalty Discount
Get a guaranteed 8% discount on your renewal premium every year for the first 3 years, irrespective of claims.
Recharge Benefit
If your sum insured is exhausted, it will be recharged up to 100% for a subsequent claim in the same policy year.
Value Added Services
Access to services like tele-counseling, wellness content, and discounts on various health services.
Family Discount
A 10% discount if two or more family members are covered under the same individual policy.
OPD Treatment
Optional cover for outpatient expenses, including doctor consultations, diagnostics, and pharmacy bills.
About the Insurer: A joint venture between Indian Farmers Fertiliser Co-operative (IFFCO) and Tokio Marine Group, one of the largest insurance groups in Japan. They are known for their strong customer service and wide network.
About the Product: This plan is a straightforward and reliable health insurance policy that offers a high cumulative bonus, extensive pre and post-hospitalization coverage, and a family floater option, making it an excellent choice for comprehensive family protection.
Key Features:
Cumulative Bonus
Enjoy a 50% increase in your sum insured for every claim-free year, up to a maximum of 100%.
Restoration of Sum Insured
If your sum insured is exhausted, it will be restored up to 100% for subsequent claims in the same policy year.
Pre & Post Hospitalization
Covers medical expenses for 60 days before hospitalization and 90 days after discharge.
Domiciliary Hospitalization
Covers the cost of medical treatment taken at home if hospitalization is not possible.
Health Check-up
Reimbursement for health check-up expenses incurred at the end of every four continuous claim-free years.
Family Floater Option
Cover your entire family under a single policy with a single sum insured, making it convenient and cost-effective.
About the Insurer: A joint venture between the Tata Group and American International Group (AIG), TATA AIG combines local expertise with global insurance experience to offer a wide range of products.
About the Product: Medicare is a comprehensive health insurance plan that offers global coverage, automatic restoration benefits, and coverage for a wide range of modern treatments. It's designed for individuals and families seeking robust protection both in India and abroad.
Key Features:
Global Cover
Provides coverage for medical treatments availed outside of India, subject to policy terms.
Automatic Restoration
100% restoration of the sum insured for unrelated illnesses or accidents if the base sum insured is exhausted.
Bariatric Surgery Coverage
Covers expenses for bariatric surgery for weight control, subject to a waiting period and conditions.
Cumulative Bonus
Earn a 50% cumulative bonus for each claim-free year, up to a maximum of 100% of the sum insured.
Consumables Benefit
In-built coverage for the cost of non-medical items like gloves, masks, and other consumables during hospitalization.
Family Floater Option
Cover your entire family under a single policy with a shared sum insured.
About the Insurer: As India's first standalone health insurance company, Star Health has a vast network and a strong focus on customer-centricity, offering innovative and specialized health insurance products.
About the Product: The Super Star Plan is a highly flexible and feature-rich policy that offers extensive coverage options. It includes modern treatment coverage, a robust wellness program, and a wide array of optional covers like maternity and personal accident, allowing you to create a truly personalized health shield.
Key Features:
Modern Treatment Coverage
Covers advanced medical procedures like robotic surgeries, immunotherapy, and stereotactic radiosurgery.
Star Wellness Program
Rewards healthy behavior with discounts on renewal premiums for maintaining an active lifestyle.
No Co-payment Clause
You don't have to bear a portion of the claim amount, regardless of your age, ensuring full coverage.
Automatic Restoration
100% automatic restoration of the sum insured for subsequent claims, providing a continuous safety net.
AYUSH Treatment
Covers in-patient hospitalization expenses for non-allopathic treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
Cumulative Bonus
Get a bonus on your sum insured for every claim-free year, enhancing your coverage over time.
About the Insurer: A part of the US-based Liberty Mutual Insurance Group, Liberty General Insurance offers a wide range of insurance products in India, focusing on comprehensive coverage and customer satisfaction.
About the Product: HealthPrime Connect is a top-tier comprehensive plan offering a high sum insured up to ₹1 crore. It stands out with its extensive coverage for maternity, childcare, and special treatments like infertility and laser eye surgery. The plan also includes unique wellness and restoration benefits.
Key Features:
High Sum Insured
Offers a wide range of sum insured options, from ₹10 lakh up to ₹1 crore, for maximum protection.
Maternity & Childcare
Extensive coverage for maternity, newborn baby care, and vaccinations for the child up to age 3.
Special Treatments Cover
Includes coverage for infertility treatment, laser eye surgery, and obesity treatment.
100% Restoration Benefit
Restores 100% of your exhausted sum insured to cover any unrelated medical event in the same policy year.
Wellness Benefits
Features a unique 'Earn-and-Burn' reward program that incentivizes a healthier lifestyle.
Worldwide Coverage
Optional benefit to get medical coverage anywhere in the world, ensuring peace of mind while traveling.
About the Insurer: Niva Bupa Health Insurance, formerly known as Max Bupa, is one of India’s leading standalone health insurers. It is a trusted joint venture backed by True North and Bupa (UK’s leading healthcare group). The company is well-regarded for its innovative product offerings, customer-first approach, and a strong focus on delivering quality healthcare solutions across India.
About the Product: The ReAssure 3.0 Plan is Niva Bupa’s next-generation health insurance product designed to provide unlimited protection and global health coverage. Available in four variants – Classic, Select, Elite, and Black – the plan offers unique features such as Day 1 coverage for pre-existing diseases, OPD and wellness benefits, cashbacks for claim-free years, and treatment options across the world. It is tailored to meet the healthcare needs of individuals, families, and senior citizens, ensuring lifelong security and peace of mind.
Key Features:
Unlimited Coverage
Get unlimited base sum insured across all variants, ensuring you never run out of financial protection for medical expenses.
Day 1 Pre-Existing Disease Option
Cover your pre-existing health conditions from day one by opting for additional loadings, giving you instant peace of mind.
Borderless Coverage
Access treatment anywhere in the world, with coverage limits up to ₹5 crore depending on the plan variant.
Modern Treatments
Coverage for advanced medical treatments, including robotic and minimally invasive procedures. Elite and Black variants offer unlimited cover.
CashBag+ Rewards
Earn cashback on claim-free years that can be used towards premiums, OPD expenses, or co-payments, making your policy more rewarding.
Senior Citizen Benefits
Specialized ElderOne services ensure complete healthcare packages and support designed for seniors.
WellConsult+
Get OPD coverage for consultations, diagnostics, pharmacy, and wellness programs like gym memberships, promoting preventive care.
No Room Rent Limits
Enjoy the flexibility to choose any hospital room, including suites, depending on your plan variant.
Wellness & Renewal Discounts
Stay healthy and earn up to 30% renewal discount on premiums under the Live Healthy benefit.
Comprehensive Hospitalization Cover
Includes domiciliary care, organ donor expenses, ambulance services, and pre & post hospitalization expenses (60 days before, 180 days after).
Confused about choosing the right health insurance policy?
1. I want an unbiased opinion on which health insurance policy to buy.
Our mission is to guide you without any pressure. You consult with us, explore your options, and if you find our advice valuable, you may consider taking our help further. The choice is always yours.
2. How much health insurance coverage do I need?
Experts recommend a minimum sum insured of ₹10–25 lakhs for families in metro cities, considering rising hospitalization costs. Individual policies for ₹5–10 lakhs are a good starting point.
3. Will I get cashless claim for all hospitalizations?
Cashless claims are widely promoted by health insurance companies in India, but they are not guaranteed for every admission. You can avail cashless hospitalization only at network hospitals and only after the insurer approves your claim request at the time of admission. Despite the promise, some claims may be denied for cashless and handled via reimbursement.
Tip: Always confirm with the hospital’s Insurance desk and carry a backup plan in case reimbursement is the only option.
4. Is my employer’s group health insurance enough?
In most cases, no. Group health insurance provided by your company offers basic coverage with limited sum insured, and often lacks portability or post-retirement benefits. It may also stop immediately if you switch jobs or during layoffs.
At VenkatInsurance, we started raising awareness because many professionals approached us after being diagnosed with serious illnesses at a time when buying new insurance was difficult or impossible.
Tip: Always have a personal health insurance policy alongside your group cover to secure long-term protection.