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Health Insurance

Protect Your Family with the Right Health Insurance

Cashless hospitalisation at 19,000+ hospitals across India. We compare 10 top insurers and help you choose the best plan — completely free.

19,000+Network Hospitals
10Insurers Compared
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IRDAILicensed Agent
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Coverage

What Does Health Insurance Cover?

A comprehensive health plan protects you from the financial burden of hospitalisation and medical treatment.

Hospitalisation Expenses

Room rent, nursing, surgeon fees, medicines and consumables during any hospitalisation of 24+ hours.

Pre & Post Hospitalisation

Medical expenses 30–60 days before admission and 60–90 days after discharge — tests, medicines, consultations.

Day-Care Procedures

Over 400+ treatments like cataract surgery and chemotherapy that don't require 24-hour admission.

No-Claim Bonus

Your sum insured grows by 10–50% every claim-free year — at no extra premium. Some plans offer up to 150% NCB.

Optional Add-on

Maternity Cover

Covers normal and C-section delivery expenses after a waiting period of 2–4 years.

Optional Add-on

Critical Illness Cover

Lump sum payout on diagnosis of cancer, heart attack, stroke or other listed critical illnesses.

Plan Types

Which Type of Plan Do You Need?

Three main types of health insurance — choose based on who you're covering and your life stage.

Individual Plan

Covers one person with a dedicated sum insured. If you make a claim, only your cover is used — no impact on other family members.

Best for: Young singles, working professionals

Family Floater

Covers your entire family — spouse and children — under one shared sum insured. More economical than individual plans for young families.

Best for: Families with young children

Senior Citizen Plan

Designed for parents aged 60+. Covers pre-existing conditions (after waiting period) and age-related illnesses with co-payment options.

Best for: Parents aged 60 and above

Wondering whether your employer's group cover is enough? Read our comparison of Group vs Individual Health Insurance in India to understand the coverage gaps and when you need your own policy.

Also consider a Personal Accident Insurance policy alongside your health plan — it covers disability payouts and accidental death that health insurance does not.

Compare Like a Pro

Key Features That Actually Matter When Comparing Plans

Two policies with the same sum insured and similar premiums can behave very differently at claim time. These are the features worth scrutinising.

Room Rent Capping

No-cap or private-room plans avoid proportionate deduction on the whole bill

Sub-Limits on Procedures

Caps on specific treatments (cataract, knee, etc.) regardless of sum insured

Co-Payment Clauses

Common in senior citizen plans — you pay a fixed % of every claim

Restoration Benefit

Refills your sum insured if exhausted, often unlimited times per year

No-Claim Bonus (NCB)

Increases sum insured 10-50% per claim-free year, at no extra cost

Network Hospital Strength

More empanelled hospitals near you = higher chance of cashless treatment

Pre & Post-Hospitalisation Cover

Typically 30-60 days before, 60-90 days after admission

Domiciliary & Day-Care Treatment

Covers home treatment and same-day procedures (no 24-hr admission needed)

Claim Settlement Ratio & Experience

How consistently and fairly the insurer settles claims, not just the % figure

Customise Your Cover

Riders & Add-Ons Worth Considering

Riders let you tailor a base policy to your specific needs, usually for a modest additional premium.

Super Top-Up Rider

Massively boosts total cover at a low incremental cost

Critical Illness Rider

Lump-sum payout on diagnosis of listed major illnesses

Maternity & Newborn Cover

Covers delivery costs and the newborn from day one

OPD / Wellness Cover

Reimburses doctor consultations, diagnostics, pharmacy bills

Waiver of Co-Payment

Removes the mandatory co-pay on senior citizen plans, for a premium

Room Rent Waiver

Removes room category restrictions entirely

Reduction in PED Waiting Period

Shortens the 2-4 year pre-existing disease wait, for a premium

Daily Cash / Hospital Cash

Fixed daily payout for each day of hospitalisation, regardless of bills

Compare All 10 Health Insurance Plans

We've analysed premiums, claim ratios, network hospitals and coverage features for every major insurer in India.

See Full Comparison →
Care Health
Care Supreme
₹999/month*
View Review →
Bajaj Allianz
Health Guard
₹950/month*
View Review →
New India Assurance
Floater Mediclaim
₹850/month*
View Review →

* Indicative premium for family of 4, ₹10L cover, Mumbai

Why Policy Aid

Why Buy Through Policy Aid?

We're not a call centre. We're IRDAI-licensed advisors who work for you — not the insurer.

1

IRDAI Licensed Agent

Fully licensed and regulated. Your policy is legally protected and valid with all insurers.

2

Compare 10 Insurers

We show you all options, not just the ones with the highest commissions.

3

Free Advice, Always

No hidden fees. Our advisors help you choose — whether you buy or not.

4

Claim Support

We stand by you at claim time — from intimation to final settlement.

FAQ

Common Questions Before Buying

Straight answers — no jargon.

What is the best health insurance plan in India 2026?
Care Supreme (₹999/mo), Bajaj Health Guard (₹950/mo) and New India Floater (₹850/mo) are top-rated. The best plan depends on your age, city and family size. Our advisors compare all 10 for free — WhatsApp us.
What is a family floater health insurance plan?
A family floater covers your entire family — spouse and children — under a single sum insured. Any one member can use the full amount. It is more economical than individual plans for young families where multiple members are unlikely to be hospitalised in the same year.
How much health insurance cover do I need?
A minimum of ₹5–10 lakh is recommended for metro city individuals. For families, ₹10–25 lakh. Consider your city, preferred hospitals, age and any pre-existing conditions. Our advisors can calculate the right cover for your specific situation.
Can I port my existing health insurance to a better plan?
Yes. IRDAI's portability rules let you switch insurers without losing your no-claim bonus or waiting period credits. Contact Policy Aid at least 45 days before your renewal date for a smooth port.

Get Free Health Insurance Advice

Tell us your family details — our IRDAI-licensed advisor will compare all 10 plans and recommend the best fit. No spam, no pressure.

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