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
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
Reliable large-brand option with broad network and stable support.
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 with high restoration benefits, though customer complaint handling is average.
Best for
families, individuals
Network
11,400+
Watch out
Customer support response can be slow
Score
7.6/10
Star Health
India's largest retail health insurer with massive hospital network, but claims process is strictly scrutinized.
Best for
rural-buyers, diabetic-profiles
Network
14,000+
Watch out
High complaint ratios
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 and strong claim ratio signals.
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
Claim ratio signal is middling
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
Lower claim ratio signal
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, but claim ratio history needs caution.
Best for
digital-first-buyers, budget-buyers
Network
12,000+
Watch out
Lower reported claim-settlement ratio
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
Claim ratio signal is not top-tier
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
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| Claim settlement | 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 |
| 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 |
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