Health insurance comparisons
Compare health insurance companies
78 head-to-head comparisons covering every standalone health insurer we track and the top-scoring general insurers. Each one puts IRDAI's claim settlement, complaints and solvency figures side by side. Nobody pays to be listed or ranked.
The insurers at a glance
Latest IRDAI figures for FY 2024-25. A claim settlement ratio from fewer than 1,000 claims is marked as a small sample. Read how we calculate these.
| Insurer | Type | Our score | Claim settlement ratio | Complaints | Solvency |
|---|---|---|---|---|---|
| HDFC Ergo | Private general insurer | 8.4/10 | 97.47% in FY 2024-25 | 7,326 in FY 2024-25, 22.6 per 10,000 claims | 2.00 at 31 Mar 2025 |
| Niva Bupa | Standalone health insurer | 8.2/10 | 92.55% in FY 2024-25 | 7,970 in FY 2024-25, 77.8 per 10,000 claims | 3.03 at 31 Mar 2025 |
| Care Health | Standalone health insurer | 8.1/10 | 96.85% in FY 2024-25 | 10,281 in FY 2024-25, 69.2 per 10,000 claims | 1.68 at 31 Mar 2025 |
| Aditya Birla | Standalone health insurer | 8/10 | 95.94% in FY 2024-25 | 5,329 in FY 2024-25, 22.1 per 10,000 claims | 1.84 at 31 Mar 2025 |
| Bajaj General | Private general insurer | 8/10 | 97.39% in FY 2024-25 | 3,807 in FY 2024-25, 5.6 per 10,000 claims | 3.25 at 31 Mar 2025 |
| ICICI Lombard | Private general insurer | 7.9/10 | 85.43% in FY 2024-25 | 7,782 in FY 2024-25, 23.8 per 10,000 claims | 2.69 at 31 Mar 2025 |
| Digit | Private general insurer | 7.9/10 | 98.90% in FY 2024-25 | 2,362 in FY 2024-25, 24.2 per 10,000 claims | 2.24 at 31 Mar 2025 |
| SBI General | Private general insurer | 7.8/10 | Not available | 4,503 in FY 2024-25, 28.0 per 10,000 claims | 2.03 at 31 Mar 2025 |
| Manipal Cigna | Standalone health insurer | 7.7/10 | 93.71% in FY 2024-25 | 2,041 in FY 2024-25, 41.8 per 10,000 claims | 1.76 at 31 Mar 2025 |
| Royal Sundaram | Private general insurer | 7.7/10 | Not available | 1,052 in FY 2024-25, 28.4 per 10,000 claims | 2.20 at 31 Mar 2025 |
| Star Health | Standalone health insurer | 7.6/10 | 86.42% in FY 2024-25 | 20,527 in FY 2024-25, 86.5 per 10,000 claims | 2.21 at 31 Mar 2025 |
| Galaxy Health | Standalone health insurer | Not scored yet | 79.37% in FY 2024-25 (small sample) | Not available | 4.70 at 31 Mar 2025 |
| Narayana Health | Standalone health insurer | Not scored yet | 100.00% in FY 2024-25 (small sample) | 3 in FY 2024-25 | 1.61 at 31 Mar 2025 |
Standalone health insurers head to head
Companies that sell only health cover, compared with each other.
Niva Bupa vs Care Health
Niva Bupa vs Aditya Birla
Niva Bupa vs Manipal Cigna
Niva Bupa vs Star Health
Niva Bupa vs Galaxy Health
Niva Bupa vs Narayana Health
Care Health vs Aditya Birla
Care Health vs Manipal Cigna
Care Health vs Star Health
Care Health vs Galaxy Health
Care Health vs Narayana Health
Aditya Birla vs Manipal Cigna
Aditya Birla vs Star Health
Aditya Birla vs Galaxy Health
Aditya Birla vs Narayana Health
Manipal Cigna vs Star Health
Manipal Cigna vs Galaxy Health
Manipal Cigna vs Narayana Health
Star Health vs Galaxy Health
Star Health vs Narayana Health
Galaxy Health vs Narayana Health
Standalone health insurers vs general insurers
A health-only company against a general insurer that also sells motor, home and other cover.
HDFC Ergo vs Niva Bupa
HDFC Ergo vs Care Health
HDFC Ergo vs Aditya Birla
HDFC Ergo vs Manipal Cigna
HDFC Ergo vs Star Health
HDFC Ergo vs Galaxy Health
HDFC Ergo vs Narayana Health
Niva Bupa vs Bajaj General
Niva Bupa vs ICICI Lombard
Niva Bupa vs Digit
Niva Bupa vs SBI General
Niva Bupa vs Royal Sundaram
Care Health vs Bajaj General
Care Health vs ICICI Lombard
Care Health vs Digit
Care Health vs SBI General
Care Health vs Royal Sundaram
Aditya Birla vs Bajaj General
Aditya Birla vs ICICI Lombard
Aditya Birla vs Digit
Aditya Birla vs SBI General
Aditya Birla vs Royal Sundaram
Bajaj General vs Manipal Cigna
Bajaj General vs Star Health
Bajaj General vs Galaxy Health
Bajaj General vs Narayana Health
ICICI Lombard vs Manipal Cigna
ICICI Lombard vs Star Health
ICICI Lombard vs Galaxy Health
ICICI Lombard vs Narayana Health
Digit vs Manipal Cigna
Digit vs Star Health
Digit vs Galaxy Health
Digit vs Narayana Health
SBI General vs Manipal Cigna
SBI General vs Star Health
SBI General vs Galaxy Health
SBI General vs Narayana Health
Manipal Cigna vs Royal Sundaram
Royal Sundaram vs Star Health
Royal Sundaram vs Galaxy Health
Royal Sundaram vs Narayana Health
General insurers head to head
The general insurers with the highest health scores on our methodology, compared on their health business.
HDFC Ergo vs Bajaj General
HDFC Ergo vs ICICI Lombard
HDFC Ergo vs Digit
HDFC Ergo vs SBI General
HDFC Ergo vs Royal Sundaram
Bajaj General vs ICICI Lombard
Bajaj General vs Digit
Bajaj General vs SBI General
Bajaj General vs Royal Sundaram
ICICI Lombard vs Digit
ICICI Lombard vs SBI General
ICICI Lombard vs Royal Sundaram
Digit vs SBI General
Digit vs Royal Sundaram
SBI General vs Royal Sundaram
Plans side by side
The plans whose policy wording, prospectus or brochure we have read. “Not yet verified” means we have not confirmed that detail from the document yet. Each plan page lists its sources.
| Plan | Room rent | Co-payment | Pre-existing disease wait | Restoration |
|---|---|---|---|---|
| HDFC ERGO my: Optima SecureUIN HDFHLIP25041V062425 | At actuals; ICU at actuals | None in the plan chart. The wording says no co-payment applies when a Tier 2 policyholder is treated in Tier 1 | 36 months (optional add-on can reduce it to 1 or 2 years) | Automatic Restore of 100% of base sum insured |
| HDFC ERGO my: Optima Super SecureUIN HDFHLIP25041V062425 | At actuals; ICU at actuals | None in the plan chart. The wording says no co-payment applies when a Tier 2 policyholder is treated in Tier 1 | 36 months (optional add-on can reduce it to 1 or 2 years) | Automatic Restore of 100% of base sum insured |
| Niva Bupa ReAssure 3.0UIN NBHHLIP27059V022627 | Depends on variant: Classic general ward, Select twin sharing, Elite any room except deluxe/suite. A co-pay applies if you take a higher room (Annexure V) | None by default; a room-category co-pay applies above your variant's eligible room (Classic 20/40/50%, Select 20/40%, Elite 20% for a suite) | 36 months | ReAssure Forever: unlimited reinstatement after the first claim, each claim up to the base sum insured |
| Care SupremeUIN CHIHLIP27061V032627 | No room-rent cap in the base plan (optional modification restricts it to twin sharing or single private room for a lower premium) | None mandatory. Optional 5-50% co-pay; Smart Select adds a 20% co-pay outside its listed hospitals | 36 months (optional modification to 1 or 2 years) | Unlimited Automatic Recharge |
| Star Comprehensive Insurance PolicyUIN SHAHLIP26044V092526 | Single private AC room | 10% on every claim if you join at 61 or older; none if you join before 61 and renew without a break | 36 months (12 months if you opt for the buy-back option with pre-acceptance screening) | Automatic restoration of 100% of base sum insured, once a policy year |
| Star Health Assure Insurance PolicyUIN SHAHLIP26048V032526 | Up to 1% of sum insured a day at Rs 5L and 7.5L; any room except suite or above at Rs 10L to 25L; any room at Rs 50L and above | 10% on every claim if you join at 61 or older | 36 months | Unlimited automatic restoration, up to 100% of sum insured each time |
| Star Young Star Insurance PolicyUIN SHAHLIP26043V062526 | Single private AC room | Not yet verified | 12 months | Automatic restoration of 100% of basic sum insured, once a policy year (not for modern treatments) |
| Star Senior Citizens Red Carpet Health Insurance PolicyUIN SHAHLIP26041V082526 | Up to 1% of sum insured a day (Rs 1L-5L); Rs 6,000 (7.5L-10L); Rs 7,000 (15L); Rs 8,500 (20L); Rs 10,000 (25L). ICU up to 2% of sum insured to Rs 10L, actuals above | 30% on all claims | 12 months | Not yet verified |
| ICICI Lombard ElevateUIN ICIHLIP27057V062627 | Up to a single private AC room (Room Modifier add-on available) | None mandatory; voluntary co-payment and voluntary deductible are optional covers | Not yet verified | Reset Benefit: up to 100% of sum insured, unlimited times a year; not triggered for the first claim and not available with unlimited sum insured |
| Niva Bupa Senior FirstUIN NBHHLIP27053V022627 | Not yet verified | Default 50%, which you can reduce to 40%, 30% or 20% at inception; an extra 10% applies if you take a room above your eligible category. Opting for a deductible removes the co-pay | 24 months | ReAssure: the first paid claim triggers unlimited reinstatement, each claim up to the base sum insured |