Best Health Insurance Plans — March 2026
5 plans from top insurers. Compare coverage, premiums, and claim settlement ratios.
Star
Star Comprehensive
Star Health
★
4.5
Premium From
₹5,499
per year
Cover Amount
₹5L — ₹1.0 Cr
Claim Settlement
93.2%
Applied Today
345
No room rent limit
Day care procedures covered
Restoration benefit
Free health checkup
HDFC
Optima Secure
HDFC Ergo
★
4.4
Premium From
₹4,999
per year
Cover Amount
₹5L — ₹2.0 Cr
Claim Settlement
89.5%
Applied Today
234
Restore benefit
Stay Active benefit
Infinite cover
OPD coverage
Niva
ReAssure 2.0
Niva Bupa
★
4.3
Premium From
₹5,899
per year
Cover Amount
₹5L — ₹3.0 Cr
Claim Settlement
85.7%
Applied Today
178
No room rent limit
Consumables covered
Super NCB up to 150%
OPD cover
ICIC
Complete Health Elevate
ICICI Lombard
★
4.3
Premium From
₹5,299
per year
Cover Amount
₹5L — ₹1.0 Cr
Claim Settlement
87.3%
Applied Today
198
Booster benefit
Mental health cover
Home healthcare
Worldwide emergency
Care
Care Heart
Care Health
★
4.2
Premium From
₹3,999
per year
Cover Amount
₹5L — ₹0.6 Cr
Claim Settlement
88.9%
Applied Today
267
Affordable premiums
Cumulative bonus up to 100%
Air ambulance
No claim bonus