Due to medical inflation and the increasing incidence of illnesses, there is a growing consensus regarding the utility of mediclaim insurance. It not only provides financial support in case of a medical crisis but also enables access to prompt, high-quality care. As a result, people seek to get themselves insured without delay.

However, the abundance of options and lack of information lead to hesitation in the minds of policy buyers. This article will help dispel the confusion by highlighting the top health insurance policies in India. It will also throw light on some of the factors that you must take into account before buying a policy.

What are the Best Mediclaim Policies?

The best mediclaim policy varies depending on an individual's specific needs and circumstances. Nevertheless, the following policies take into account the demands of most segments of the population and must be considered.

Niva Bupa Health Pulse Policy

It is a highly cost-effective option offering coverage of ₹3 lakhs to ₹25 lakhs. It meets inpatient care expenses, daycare charges, mental disorder treatment bills, pre-hospitalisation expenses of up to 30 days prior to admission and post-hospitalisation expenses of up to 60 days after discharge. Moreover, it provides personal accident cover, critical illness cover, re-fill benefit (150% of the sum insured), and hospital cash.

Niva Bupa ReAssure Plan

By paying a medical insurance premium of ₹10,431 /year, you can protect yourself and your family with this plan. Its stand-out features include booster benefit for a claim-free year, live healthy benefit, unlimited reinstatements, teleconsultations, health check-ups without any waiting period, and lifetime renewability.

Niva Bupa Health Premia Plan

This is a plan designed for high-net-worth individuals. Its premiums start from ₹12,488 /year, and it comes in three variants- silver (₹5 lakhs - ₹7.5 lakhs), gold (₹10 lakhs - ₹50 lakhs), and platinum (₹1 crore - ₹3 crores). Apart from the hospitalisation coverage, it offers maternity benefits, a loyalty bonus, healthy check-up support, and travel assistance. Moreover, international coverage is provided under gold and platinum plans up to ₹30 lakhs and ₹1 Cr per person, respectively.

Aditya Birla Activ Health + Combo

It is a 4-in-1 plan that integrates insurance, fitness, health and wellness benefits. It also offers reward points to customers for achieving their fitness goals. These points can be redeemed while making the next premium payment or to meet medical expenses. It encourages a healthy lifestyle and offers personalised coaching for improving dietary habits.

ICICI Lombard- Complete Health Insurance Policy

A comprehensive plan with a sum insured ranging from ₹ 1lakh to ₹50 lakhs, it comes in individual as well as family floater versions. Additional coverage of the OPD, doctor's consultation fees, medicine bills, minor procedures, routine diagnostics and wellness therapies are offered by the Befit rider.

HDFC ERGO My: Health Suraksha Plan

Silver Smart, Gold Smart and Platinum Smart versions of this plan provide coverage for an amount ranging from ₹3 lakhs to ₹75 lakhs. Its benefits include inpatient treatment, pre and post-hospitalisation, domiciliary care, daycare treatment, air ambulance cover, infertility cover, automatic restoration of the insured amount, etc.

Mediclaim Policy

How to Choose the Best Mediclaim Policy?

Now that you are familiar with the top mediclaim policies in India, here are some of the parameters that should guide your buying decision:

  • Adequate sum insured
  • Affordable premium
  • High claim-settlement ratio
  • Flexibility to add new members
  • Lifetime renewability
  • Small waiting period
  • Re-fill benefit
  • No-claim bonus
  • Low co-payment requirement
  • Minimum exclusions
  • Wide coverage
  • Positive user reviews
  • Prompt customer grievance redressal


Knowing basic information about the policies is not enough. You must undertake a detailed study of the policy wording documents available on the insurers' websites. It is essential to research and compare different policies before making a decision. You can also consult an insurance agent or financial advisor for assistance, for instance, to balance the amount of coverage and the medical insurance premium.