Unexpected emergencies like illnesses or accidents can require a visit to the emergency room at any time. That is why choosing the right health insurance company is crucial, as it ensures access to reliable plans that cover hospital bills, treatments, and often critical illnesses or OPD expenses. A health insurance company authorised by IRDAI plays a vital role in reducing your financial burden during medical emergencies.
However, with numerous insurers available—whether from the public sector, private sector, or standalone health insurance companies—it can be challenging to select the best one in India for your needs. The key is to choose an insurer with a high claim settlement ratio, a wide hospital network, user-friendly online services, prompt customer support, and insurance plans tailored for families, individuals, seniors, or specific health requirements.
There are many reasons why choosing the right health insurance company is beneficial for individuals across the country. Some of these reasons include:
In India, all health insurance companies must be regulated by the Insurance Regulatory and Development Authority of India (IRDAI), which oversees their operations to ensure the best interests of policyholders.
With the right health insurance company, you are provided with the option of various health plans to choose from, be it individual plans, family floater plans, senior citizen plans, or even critical illness plans.
The ideal company will have a minimum sum insured plan of Rs. 10 lakh, which can also go up to Rs. 1 crore. The insured sum goes up depending on the type of plan, being generally higher for family floater or senior citizen plans.
The right health insurance company provides comprehensive coverage to support your various needs, such as room rent waiver, OPD cover, maternity cover, AYUSH cover, hospitalisation expenses, and more, to safeguard you against any kind of surgeries or illnesses that may occur during the policy term.
To safeguard yourself against any specific illness, it is vital to opt for disease-specific plans (such as for diabetes or cancer) that provide coverage for treatment against those diseases. Opting for critical illness health insurance also proves to be beneficial, offering a lump sum payment that covers a variety of critical illnesses like cancer, kidney failure, heart attack, etc.
The right health insurance company provides a variety of health plans that incorporate various add-on benefits like free checkups, OPD cover, wellness programmes, and more.
In emergencies, claim requests need to be approved quickly so financial aid can be delivered without any delay. Health insurance companies with a better claim history, such as a higher number of claim settlements, prove to be more reliable, especially in case of sudden emergencies.
A health insurance company with a vast hospital network makes it easier to avail cashless services, ensuring hassle-free treatments, especially in emergency scenarios.
The best health insurance company makes renewal processes super easy, so you can ensure continuous protection without worry of interruptions in health coverage. Certain companies may also offer discount benefits on renewals for staying active.
Choosing an insurer that offers round-the-clock assistance is key. Providing a 24/7 user-friendly and accessible digital platform makes it easy for individuals to access policy details, claims, and renewals, and even pay online through a few simple clicks.
Sometimes, the claims for health issues can face delays or disputes. To resolve this systematically, the ideal health insurance company will have a well-structured grievance redressal system to give customers a space to escalate their matters, allowing transparency and trust between the parties involved.
Curious to know from which company you can get a health insurance policy tailored to your needs? Have a look at the following list of the Best Health Insurance Companies in India in 2025, and what they offer to make your choice easier:
Disclaimer: The above list is arranged in alphabetical order. The information presented here is for comparison purposes only. Coverfox does not prefer or endorse any particular health insurance company over others. We remain impartial and encourage you to carefully assess all options based on your individual needs before making a decision.
When choosing the ideal health insurance company for you and your loved ones, be sure to look for the following:
Health Insurance Claim Settlement Ratio refers to the percentage of claims settled by the insurer to the total claims received. The higher the CSR of a company, the more reliable it is considered to be in terms of processing claims.
The need for upfront payments is taken away because the bills can be directly settled by the insurer with their hospital network, taking away financial strain. Look for health insurance companies with a vast hospital network located especially near your vicinity.
Make sure that the health insurance company you pick has a strong online presence, with an easily accessible website and mobile app, making it easy to review and compare various health plans, their coverages and benefits, pay securely online, and provide 24/7 assistance for any queries.
Be sure to incorporate various add-on covers in your health plan to enhance the value of your policy. These may slightly add to your premium but can benefit you in the long term. Based on your needs, look for covers like OPD cover, critical illness cover, maternity cover, personal accident cover, and more.
Before selecting an insurance provider, be sure to review the credibility of the company through client testimonials. This helps give a better understanding of the company, allowing customers to view their benefits as well as the areas in which they lack.
Look for companies that help ensure a smooth and hassle-free claim process. This proves to be vital, especially in times of emergencies, when financial help cannot be delayed and claim requests need to be accepted efficiently.
After assessing your needs, make sure that the health insurance company you choose offers sufficient coverage at reasonable rates so you get the best value. Be sure to look out for policy inclusions and exclusions while also comparing prices across various plans.
Based on your needs, check out the types of health insurance plans that are widely known:
Individual health insurance plans are the plans specifically designed to cover the medical expenses of a single person. Unlike family floater plans, which insure multiple members under one sum insured, individual plans provide dedicated coverage for each insured person.
These plans are designed to provide medical coverage to the entire family under one single policy. This generally saves the hassle of managing multiple policies and may be more affordable compared to an individual policy.
With age, health issues may also increase. That is why these senior citizens' health insurance plans are specifically made for individuals aged 60 years and above, offering comprehensive medical care to the elderly to reduce financial strain.
This plan provides a lump sum amount upon diagnosis of any critical illness, such as cancer, stroke, heart attack, kidney failure, and so on. The best part of critical illness cover is that this lump sum amount can also be used as a source of income if you find yourself unable to work because of illness.
Any pregnancy-related experiences, such as hospitalisation costs, delivery (including caesarean sections), medical tests, and newborn care, are taken care of by maternity health insurance. Those planning to start a family should opt for this plan well in advance.
To safeguard oneself against specific diseases that can be life-threatening, such as diabetes, cancer, or cardiovascular diseases, these plans prove to be helpful. They help cover various costs associated with the medication, treatment, and tests of these specific diseases, giving peace of mind to individuals.
| Company Name | Introduction | Top Plans Offered | Unique Benefits |
|---|---|---|---|
| Acko Health | Digital-first insurer with fast claims | Platinum Health, Standard Health | Zero waiting period, no room rent limit |
| Aditya Birla Health | Offers wellness-linked plans with rewards | Activ Health Platinum, Super Top-Up | HealthReturns™, chronic care management |
| Bajaj Allianz | Leading private insurer known for innovation and digital services | Health Guard, Extra Care Plus | Lifetime renewability, wellness discounts |
| Care Health | Formerly Religare, known for its extensive hospital network | Care Supreme, Care Advantage | Global cover, unlimited restoration |
| Cholamandalam MS | Part of the Murugappa Group, known for customer-centric products | Chola Healthline, Super Top-Up | No room rent cap, AYUSH cover |
| Digit Health | Tech-savvy insurer with high CSR | Digit Health Plus, Super Top-Up | No room rent cap, psychiatric cover |
| Future Generali | JV with Future Group and Generali, Europe’s insurer | Health Suraksha, Health Total | Global cover, wellness benefits |
| HDFC ERGO | A subsidiary of HDFC Ltd. offers wide-ranging plans | Optima Restore, myHealth Suraksha | Unlimited restoration, mental health cover |
| ICICI Lombard | Leading private insurer with tech-driven services | Health AdvantEdge, Max Protect | Unlimited SI reset, OPD cover |
| IFFCO TOKIO | Trusted rural and urban insurer with strong reach | Health Protector, Swasthya Kavach | No sub-limits, wide rural coverage |
| Kotak Mahindra | Backed by Kotak Bank, it offers customisable plans | Health Care Prime, Secure | No pre-policy checkup till 45, free checkups |
| Liberty Health | Offers flexible plans with top-up options | Health Connect, Secure Health | Loyalty perks, no co-pay |
| Magma HDI | JV with HDI Global offers modular plans | OneHealth Secure, Senior, Extra Cover | Recharge benefit, OPD cover, HIV/AIDS cover |
| ManipalCigna | Joint venture with Cigna, global health expertise | ProHealth Protect, Lifestyle Protection | Disease management, wellness programmes |
| Navi Health | App-based insurer with instant policy approval | Navi Health, Smart Health | 100% bill payment, air ambulance, maternity |
| National Insurance | Government-owned, legacy insurer with pan-India reach | Parivar Mediclaim, Individual Mediclaim | Senior citizen plans, low premiums |
| New India Assurance | Largest public sector general insurer | Mediclaim 2012, Floater Mediclaim | Global coverage, low-cost options |
| Niva Bupa | Formerly Max Bupa, known for high CSR and digital ease | ReAssure 2.0, Health Companion | ReAssure benefit, lock-in premiums |
| Oriental Insurance | Government-backed insurer with diverse offerings | Happy Family Floater, Individual Mediclaim | High sum insured, maternity cover |
| Raheja QBE | Niche player with flexible plans | Health QuBE, Top-Up Health | No disease sub-limits, fast claims |
| Reliance Health | Part of the Reliance Group, it offers digital-first services | Health Gain, Critical Illness | Quick claim approval, wellness rewards |
| Royal Sundaram | First private insurer to offer cashless hospitalisation | Lifeline Supreme, Smart Cash | Maternity benefits, wellness coach |
| SBI Health | Subsidiary of SBI, a trusted public sector brand | Arogya Supreme, Super Health, Top-Up | Multiplier Health, OPD cover, mental health |
| Star Health | India’s largest standalone health insurer | Family Health Optima, Medi Classic | No pre-policy checkups, disease-specific plans |
| TATA AIG | Trusted brand with global insurance expertise | MediCare Premier, Critical Illness | Global cover, OPD benefits |
| United India Insurance | Government-owned with a strong rural presence | Family Medicare, Individual Health | Affordable premiums, senior citizen plans |
| Universal Sompo | JV with Indian banks and Japan’s Sompo | Complete Healthcare, A Plus Health | No room rent cap, maternity cover |
| Zuno (Edelweiss) | Rebranded Edelweiss, which offers tiered plans | Silver, Gold, Platinum | Critical illness boost, maternity cover |
With Coverfox, you are provided a one-stop platform to easily review, compare, and purchase your health insurance policy online, across a wide variety of trusted insurers in India—in a seamless way. Here are all the reasons you can put your faith in Coverfox:
We help provide unbiased information, with trusted guidance from our insurance experts and clear policy details outlined without unnecessary jargon for every health policy—making it simple and easy for you to understand and eventually pick the policy of your choice.
At Coverfox, we provide tie-ups with renowned IRDAI-approved insurance companies, ensuring you receive a variety of reliable and credible choices before you pick the health policy tailored to suit your needs.
We believe in making your claim process go as smoothly as possible—which is why we deliver complete end-to-end support with our dedicated claim support team, making the whole process easier—right from filing claims to the final claim settlement.
At Coverfox, we make policy renewals online not just easy but also instant, with you simply having to enter in your past policy details and being able to renew them with a few simple clicks, allowing you to enjoy continuous health coverage with no worries about gaps.
Choosing the No. 1 health insurance company depends on a variety of factors, including having a high Claim Settlement Ratio (CSR), a vast network of hospitals, a strong online presence, and even the variety of plans and customisations they offer. Ultimately, it comes down to which suits your needs the best.
As of 2025, there are 28 IRDAI-recognised health insurance companies in India.
Claim settlement ratios can vary each year and are just one factor to consider when choosing a health insurance policy. Some companies may report higher ratios in a particular year, reflecting their efficiency in settling claims. That is why it’s important to look at other factors as well, such as network hospitals, premium costs, coverage benefits, and customer service.
Yes, you can. However, this can be done only at the time of the existing health insurance policy renewal. It also means you get to keep benefits such as No Claim Bonus (NCB), waiting period credit, free medical check-ups, etc.
A private health insurance company is owned by private entities and known to be more flexible but at higher costs. On the other hand, a public health insurance company helps provide more basic or free health care options, but may require longer wait times.
Yes! With Coverfox, you can compare and review across a variety of health insurance policies from IRDAI-approved insurers while paying securely through our online payment gateway.
Many health insurance companies provide cashless hospital coverage, allowing policyholders to receive treatment without upfront payment at network hospitals. In general, companies with a vast network of hospitals can be considered to offer the best cashless hospital coverage.
Yes, many standard health insurance companies offer plans that include coverage for cancer treatment. However, the extent of the coverage may depend on the policy type and the inclusions and exclusions of the policy.
Yes, many health insurance providers offer plans that cover costs related to kidney care, be it dialysis treatments or kidney transplants. To compare and review various plans, you can use Coverfox as your trusted online platform.
To review the credibility of a health insurance company, it is recommended to check its Claim Settlement Ratio (CSR), network of hospitals, customer reviews posted on online platforms, and even any awards they may have received.
Yes. There are many notable public insurers offering health insurance in India, like New India Assurance, United India Insurance, Oriental Insurance, and National Insurance.
Yes, multiple standalone health insurers in India specialise particularly in health insurance plans.
In case of an emergency, you can contact the helpline number posted on your insurer’s website or even visit the nearest network hospital and show your e-card.
