Which Health Insurance Is Best In India

Which Health Insurance Is Best: With the increased risk of lifestyle-related illnesses, serious illnesses and many other health problems, health insurance has become the need of the hour. Of course, for anyone who wants to provide health protection to their family, it is mandatory to buy the best health insurance policy, as the cost of health care is hitting the roof.

The importance of a medical insurance policy is quite clear, but choosing the best health insurance plan from so many options can be a daunting task. A wide range of health insurance plans are available in India. Ideally, the best health insurance policy should be one that provides maximum health insurance coverage for the cheapest rate of premium.

To help you zero in on the best health insurance plans from the plethora of options available from various health insurance companies, we have listed some of the best health insurance policies that can be considered in 2020.

5 Health Insurance Is Best in India You Can Buy in 2020

Choosing the most suitable plan for yourself from a pool of health insurance plans available in the market can be a daunting task.

With different coverage features, different premium amounts and different add-on benefits in all, one may not be able to find the best solution for oneself in such a complex situation.

But do you have to worry?

India News I offers the Health Insurance Is Best plan  in the market and helps you buy the most suitable for a few minutes. These plans ensure a healthy future for your entire family and in some cases cover your health care expenses including hospitalization expenses, emergency ambulance, daycare expenses, and even serious illnesses.

To narrow down the choices of many health insurance companies and even more health insurance plans in the market, we are here with the list of Which Health Insurance Is Best 2020. Read them here.

1. Religare Care Health Insurance Plan
2. Star Family Health Optima Plan
3. Apollo Munich Optima Restore Plan
4. HDFC Ergo Health Suraksha Gold Plan
5. Max Bupa Health Companion Individual Plan

1. Religare Care Health Insurance Plan is a comprehensive health insurance policy that covers the medical expenses of the injured due to any injury, illness or accident. Religare Care Plan is available in 5 variants, Care 3 (Super Saver), Care 4 (Elite), Care 5 (Elite Plus), Care 6 (Global), and Care 7 (Global Plus). Policyholders can choose the sum insured between Rs. 4 lakhs. 6 crores under this scheme. The plan also offers several add-on benefits, which policyholders can opt for by paying a little extra premium. These include No Claim Bonus Super, Unlimited Automatic Recharge, Everyday Care, Personal Accident Cover, Smart Select, Air Ambulance, Global Coverage and International Second Opinion.


  • All day care treatment included
  • The patient spends hospitalization to the extent of the sum insured
  • Global cover on a network of hospitals on cashless basis
  • Pre-hospitalization expenses for 30 days
  • Hospitalization expenses for 60 days
  • Hospitalization expenses to a specified extent


  • Expenses for the treatment of AIDS
  • Congenital disease
  • Suicides
  • Costs due to addiction to alcohol, tobacco etc.
  • Any expenses due to war, strike, riot etc.

2. Star Family Health Optima plan can be considered as a super saver health insurance product that covers your entire family at a nominal premium. You can include yourself, spouse and dependent children in children between 16 and 25 years of age. The scheme offers lifetime renewal benefits and you can buy it if you are between 18 and 65 years of age. Policyholders can choose from Sum Assured to Rs. 3 lakhs. 25 lakhs. The best thing about this plan is that it automatically provides 100% of the sum insured 3 times for every complete exhaustion.


  • All daycare procedures
  • Hospitalization expenses of the patient
  • Air ambulance charges to a specified extent
  • Domestic hospitalization expenses (treatment at home)
  • Pre and post hospitalization expenses for 60 and 90 days respectively


  • Vaccination except for post-bite and other medical treatments
  • Injuries caused by war or war-like situation
  • Expenses arising due to any act of suicide
  • Sexually transmitted diseases
  • Medical treatment


3. Apollo Munich Optima Restoration Plan is one of the most popular health insurance plans offered by Apollo Munich. Any person who is between 91 days to 65 years of age can be covered under this scheme with the sum insured, including Rs. 3 lakhs. 50 lakhs. Some of the incredible benefits offered by this scheme are domicile treatment cover, pre and post hospitalization cover, air ambulance cover, and so on. The best feature of this plan is Stay Active Benefit which rewards you on living an active lifestyle. You just need to walk and stay active and you will be eligible to get a discount on the premium.


  • Road Ambulance Cover
  • Lifetime renewal
  • Cover for daycare procedures
  • In-patient hospitalization cover
  • 100% increase in Sum Assured for every 2 claim-free years


  • Mental Disorders
  • Cosmetic surgery
  • Expenditure in treatment of HIV / AIDS
  • Any treatment within 30 days of purchase of policy
  • Treatment due to alcohol, tobacco etc.

4. The HDFC Ergo Health Protection Plan is an ideal option for individuals as well as families who cover them against major health expenditure. With insured options ranging from Rs. 3 lakhs. 10 lakh, this product of HDFC Ergo is high on profit. The minimum age for obtaining coverage under this scheme is 91 days and the best thing is that there is no maximum age limit. The scheme comes in several types – Silver, Gold and Platinum which have different insured options and benefits under them. Some common benefits of the plan are listed below.


  • Cover for organ donor expenses
  • Cover the expenses of hospitalization of the patient without any limit on room rent or the diseases covered.
  • Pre-hospitalization up to 60 days
  • Expenditure up to 90 days after hospitalization
  • Cover for daycare procedures


  • Covers for the treatment of mental disorders
  • Cosmetic surgery expense
  • Expenses related to treatment of obesity
  • Accidents caused by war or war-like situations
  • Accidents due to participation in adventure activities

5. Max Bupa Health Partner Personal Plan can be the ultimate source of financial support when you need it during a health emergency. Under this scheme, anyone above the age of 91 days can be covered. The best part of the scheme is that it provides as little as Rs for the sum assured covered. 2 lakhs and exceeds Rs. 1 crore. Also, the plan can cover 19 relationships. If you want high coverage but have a premium amount that does not burn your pocket then this plan is a must buy. If you buy this plan for 2 years. And pay in advance, you will get 12.5% ​​discount on the second year premium.


  • 15 days free look period
  • Lifetime renewal option
  • In-patient hospitalization treatmentTax saving under Section 80D of Income Tax Act
    30 and 60 days before and hospitaliza
  • tion costs


  • OPD cover for expenses
  • LASER and eye treatment
  • HIV / AIDS treatment expenses
  • Accidents caused by war or war-like situations
  • Any expense due to suicide

Deciding on the most suitable health insurance plan is not a child’s play. But this list is sure to give you some relief. If you still have any doubt about any of the health insurance plans listed above or would like to purchase by following an easy procedure, get in touch with the customer care, who will try their best to help you purchase a plan. Will put in Which is best suited for you. Stay healthy, stay insured!