All insurers
Health insurers
Browse every health insurer we cover. Use this as a shortlist, not a final answer: the exact plan wording still decides whether the policy is good for you.
Use this page like a filter
Hospital network
First confirm the insurer is practical for your city and hospital cover.
Room limits
Then check the boring limits that usually cause claim surprises.
Price last
A cheap policy with painful limits is not actually cheap.
Quick read
Scores help you avoid obvious mismatches. They do not replace checking waiting periods, room limits, exclusions, and claim paperwork.
Every insurer we cover
Weighing two insurers? Compare health insurers head to head on IRDAI claim, complaint and solvency data.
Score
8.2/10
Niva Bupa
Strong health insurer for families with solid restoration features.
Best for
young-professionals, families
Network
10,000+
Watch out
Can be premium-priced
Score
7.9/10
ICICI Lombard
Large-brand option with a broad network, but it settled 85.4% of health claims by number in FY 2024-25, below our 90% flag line.
Best for
brand-loyal-buyers, urban-users
Network
11,000+
Watch out
Price can trend high
Score
8.1/10
Care Health
Strong product options and a 96.9% claim settlement ratio in FY 2024-25, but complaints per claim run well above our benchmark.
Best for
families, individuals
Network
11,400+
Watch out
69.2 complaints per 10,000 claims in FY 2024-25, above our benchmark of 40 for standalone health insurers
Score
7.6/10
Star Health
India's largest standalone health insurer by claims handled, but its FY 2024-25 claim settlement ratio (86.4%) was the lowest of the large standalone insurers.
Best for
rural-buyers, diabetic-profiles
Network
14,000+
Watch out
86.5 complaints per 10,000 claims in FY 2024-25, the highest of the standalone health insurers we track
Score
7.7/10
Manipal Cigna
Flexible health insurer with strong plan variety; compare restoration and add-ons carefully.
Best for
families, senior-citizens
Network
14,000+
Watch out
Many variants can confuse buyers
Score
7.1/10
Universal Sompo
Decent basic-to-mid health cover, but buyers should watch sub-limits closely.
Best for
budget-buyers, small-families
Network
15,000+
Watch out
Basic variants can be too small
Score
8.4/10
HDFC Ergo
Strong large-brand option with excellent network depth and standout Optima Secure plans.
Best for
families, metro-buyers
Network
16,000+
Watch out
Premiums can be high
Score
8/10
Aditya Birla
Useful for wellness-focused buyers and people managing lifestyle conditions.
Best for
young-professionals, senior-citizens
Network
16,500+
Watch out
Rewards can distract from core policy wording
Score
7.9/10
Digit
Digital-first insurer with simple wallet-style plans; its FY 2024-25 health claim settlement ratio was among the highest we verified.
Best for
young-professionals, digital-first-buyers
Network
9,000+
Watch out
Shorter retail health track record
Score
7.8/10
SBI General
Large-bank-backed insurer with a huge network and many plan variants.
Best for
families, brand-loyal-buyers
Network
18,000+
Watch out
Plan names and variants can feel complex
Score
7.6/10
ACKO
Tech-first health insurer with simple plans, but still a newer retail health player.
Best for
digital-first-buyers, young-professionals
Network
11,500+
Watch out
Shorter retail health history
Score
7.1/10
Zuno
Simple tiered health plans with maternity and critical illness features in higher variants.
Best for
small-families, budget-buyers
Network
10,000+
Watch out
Health claim settlement ratio could not be verified from its FY 2024-25 filing
Score
7.2/10
United India
Public-sector insurer with basic individual, family, senior, and top-up choices.
Best for
public-sector-buyers, budget-buyers
Network
4,000+
Watch out
Smaller listed cashless network
Score
7/10
IndusInd General
Former Reliance General business under new ownership; watch how service quality evolves.
Best for
high-cover-buyers, families
Network
10,000+
Watch out
Settled 87.5% of health claims by number in FY 2024-25 (Form NL-37), below our 90% flag line
Score
7.3/10
Oriental Insurance
Government-owned insurer with family, senior, mediclaim, and top-up options.
Best for
public-sector-buyers, senior-citizens
Network
12,000+
Watch out
Some senior plans have co-payments
Score
6.8/10
Navi
Simple app-first insurer with one main health plan. We could not verify its health claim settlement ratio yet, and its FY 2024-25 health ICR was above 100%.
Best for
digital-first-buyers, budget-buyers
Network
12,000+
Watch out
Health incurred claims ratio of 106% in FY 2024-25 (IRDAI Handbook Table 62), a pricing-pressure signal
Score
7.4/10
IFFCO Tokio
Straightforward individual and family plans with decent benefits and preventive-care features.
Best for
families, individuals
Network
8,000+
Watch out
Ambulance and room benefits can vary by cover amount
Score
7.6/10
Tata AIG
Strong brand with domestic and global-cover options, but choose the right Medicare variant.
Best for
families, global-cover-buyers
Network
12,000+
Watch out
Settled 88.4% of health claims by number in FY 2024-25 (Form NL-37), below our 90% flag line
Score
7.3/10
National Insurance
Old public-sector insurer with family and individual plans, but room-rent rules need attention.
Best for
public-sector-buyers, families
Network
5,300+
Watch out
Smaller listed network
Score
7.4/10
New India Assurance
Large public-sector insurer with strong history but a smaller listed cashless network.
Best for
public-sector-buyers, senior-citizens
Network
2,000+
Watch out
Smaller listed network
Score
7.7/10
Royal Sundaram
Private insurer with strong Lifeline plans and good family-cover choices.
Best for
families, high-cover-buyers
Network
12,500+
Watch out
Global benefits may add cost without everyday value
Score
8/10
Bajaj General
Large private insurer with broad plan choice and strong family-cover variants.
Best for
families, brand-loyal-buyers
Network
12,600+
Watch out
Too many variants can confuse buyers
Score
Not scored yet
Galaxy Health
A new standalone health insurer (IRDAI registration no. 167). Its first year, FY 2024-25, is too small to judge: 75 claims reported and 50 paid. We have not scored it yet.
Best for
early-adopters
Network
Check city-wise
Watch out
Only 75 claims reported in FY 2024-25, too few for a meaningful claim settlement ratio
Score
Not scored yet
Narayana Health
A new standalone health insurer (IRDAI registration no. 166), wholly owned by Narayana Hrudayalaya Limited. It recorded just 12 claims in FY 2024-25, so we have not scored it yet.
Best for
early-adopters
Network
Check city-wise
Watch out
Solvency ratio fell from 1.89 (June 2024) to 1.61 (March 2025), close to IRDAI's 1.50 minimum
Fast comparison
| Criteria | Niva Bupa | ICICI Lombard | Care Health | Star Health | Manipal Cigna | Universal Sompo | HDFC Ergo | Aditya Birla | Digit | SBI General | ACKO | Zuno | United India | IndusInd General | Oriental Insurance | Navi | IFFCO Tokio | Tata AIG | National Insurance | New India Assurance | Royal Sundaram | Bajaj General | Galaxy Health | Narayana Health |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Overall score | 8.2/10 | 7.9/10 | 8.1/10 | 7.6/10 | 7.7/10 | 7.1/10 | 8.4/10 | 8/10 | 7.9/10 | 7.8/10 | 7.6/10 | 7.1/10 | 7.2/10 | 7/10 | 7.3/10 | 6.8/10 | 7.4/10 | 7.6/10 | 7.3/10 | 7.4/10 | 7.7/10 | 8/10 | Not scored yet | Not scored yet |
| Claims settled, FY 2024-25 | 92.55% | 85.43% | 96.85% | 86.42% | 93.71% | Not verified | 97.47% | 95.94% | 98.90% | Not verified | 95.61% | Not verified | Not verified | 87.45% | Not verified | Not verified | 86.28% | 88.36% | 93.91% | 98.38% | Not verified | 97.39% | Not verified | Not verified |
| Claim score (provisional) | 8.4/10 | 8.1/10 | 8.2/10 | 7.8/10 | 7.4/10 | 7/10 | 8.6/10 | 8.1/10 | 8.5/10 | 8/10 | 8/10 | 7.1/10 | 7.7/10 | 6.8/10 | 7.5/10 | 6.3/10 | 7.3/10 | 7.2/10 | 7.8/10 | 8.3/10 | 7.4/10 | 8.1/10 | Not scored | Not scored |
| Value | 8/10 | 7.4/10 | 8.3/10 | 7.5/10 | 7.7/10 | 7.3/10 | 8.2/10 | 7.8/10 | 7.8/10 | 7.7/10 | 7.6/10 | 7.2/10 | 7.3/10 | 7.2/10 | 7.4/10 | 7.2/10 | 7.5/10 | 7.6/10 | 7.3/10 | 7.2/10 | 7.8/10 | 7.9/10 | Not scored | Not scored |
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