Best Health Insurance Plans in India — Compare & Buy Plans Online

There is no single best health insurance company in India for everyone — the right insurer depends on your age, health condition, city, family size, and budget. Top health insurance companies in India include Star Health, Niva Bupa, Aditya Birla Health, HDFC ERGO, Care Health, Bajaj Allianz, and Tata AIG. Comparing plans side by side at Probus gives you an unbiased view of which insurer offers the best coverage for your specific needs.

The best family health insurance plan provides a shared sum insured of at least Rs.10–25 lakh, covers all family members including children and parents, includes cashless treatment at hospitals near you, and has a high claim settlement ratio. Star Health Family Optima, Niva Bupa ReAssure, and Aditya Birla Activ Health are among the most popular family floater plans available.

A mediclaim policy is a basic hospitalisation cover that reimburses your hospital bills up to the sum insured. Health insurance is broader — it covers critical illnesses, pre and post-hospitalisation, day care procedures, maternity, and more. A mediclaim policy is a subset of health insurance, not a replacement for it.

For an individual in a metro city, a minimum sum insured of Rs.10 lakh is recommended given current healthcare costs. For a family of four, Rs.15–25 lakh as a family health insurance floater plan is advisable. If you have a history of critical illness in your family, add a critical illness rider on top of your base plan.

Affordable health insurance plans start at as low as Rs.300–500 per month for young individuals with a Rs.5 lakh sum insured. Comparing medical insurance plans online ensures you find the lowest premium for your required coverage. Buying a family floater instead of individual policies also significantly reduces the total premium.

Yes — Probus Insurance lets you compare health insurance plans from 47+ top health insurance companies in India on a single platform. You can filter by premium, sum insured, network hospitals, and claim ratio to find the plan that best fits your needs and budget.

Buying health insurance online is faster, more transparent, and often cheaper — insurers pass on the savings from lower distribution costs. You can read the full policy document before purchasing, compare multiple medical insurance plans simultaneously, and complete the entire process in under 10 minutes.

Yes, but after a waiting period — typically 2 to 4 years depending on the insurer and the condition. Conditions like diabetes and hypertension are covered after the waiting period lapses. It is critical to disclose all pre-existing conditions honestly when buying — non-disclosure can lead to claim rejection.

Yes. Under Section 80D of the Income Tax Act, you can claim a tax deduction of up to Rs.25,000 for premiums paid for yourself and your family, and an additional Rs.25,000–50,000 for premiums paid for your parents — depending on their age.

Most health insurance companies in India reward claim-free years with a No Claim Bonus (NCB) — your sum insured is increased by 10–50% at no extra cost. Some insurers also offer premium discounts on renewal. The NCB accumulates year on year up to a defined maximum.

For senior citizens, the best medical insurance companies in India include Star Health Senior Citizens Red Carpet, Niva Bupa Senior First, and Care Health Senior. Key things to look for: high sum insured, low co-payment, wide hospital network, and shorter waiting periods for pre-existing conditions.

When comparing family health insurance plans, check: total sum insured for the family, whether parents can be included, claim settlement ratio of the insurer, number of network hospitals near your home or workplace, sub-limits on room rent and ICU, and whether maternity is covered. Probus lets you compare all these factors side by side across 47+ insurers.