In a time when health risks are on the rise and medical expenses continue to soar, having a reliable health insurance policy is more crucial than ever. Whether you’re looking for individual coverage, family floater plans, or senior citizen health insurance, choosing the right insurance provider makes all the difference. With numerous options available in the market, it can be challenging to determine which health insurance company is best suited for your needs. To help you make an informed decision, we’ve compiled a list of the top 10 health insurance companies in India in 2025, based on customer satisfaction, claim settlement ratio, network hospitals, and overall performance.
Health Insurance Companies in India
Looking for the best health insurance companies in India? Check out the top 10 health insurance companies offering comprehensive coverage and excellent service!
Star Health and Allied Insurance
Star Health has consistently been one of the most preferred standalone health insurance providers in India. With a high claim settlement ratio and a wide range of health plans, it caters to individuals, families, and senior citizens.
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Claim Settlement Ratio (CSR): 99.06%
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Highlights: No third-party involvement, in-house claim settlement, over 14,000 network hospitals
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Popular Plan: Star Comprehensive Health Insurance
HDFC ERGO Health Insurance
A trusted name in both health and general insurance, HDFC ERGO offers customized health insurance solutions for individuals, families, and corporate groups.
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CSR: 98.49%
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Highlights: Cashless claim across 12,000+ hospitals, 24×7 customer support, preventive health check-ups
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Popular Plan: Health Suraksha Gold
Niva Bupa (Formerly Max Bupa)
Known for its hassle-free claim process and innovative features, Niva Bupa focuses on making health insurance simple and accessible.
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CSR: 96.93%
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Highlights: No sub-limits on room rent, direct claim settlement, lifetime renewability
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Popular Plan: Health Companion Plan
ICICI Lombard General Insurance
ICICI Lombard is a well-established brand offering a range of general insurance products, including feature-rich health insurance plans.
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CSR: 97.07%
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Highlights: Wide network of 7,500+ hospitals, wellness programs, app-based claims tracking
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Popular Plan: Complete Health Insurance
Care Health Insurance (Formerly Religare)
With competitive premiums and extensive health coverage, Care Health Insurance has quickly gained popularity for its service quality and comprehensive policies.
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CSR: 95.22%
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Highlights: Global coverage, annual health check-ups, high sum insured options
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Popular Plan: Care Advantage Plan
Aditya Birla Health Insurance
Known for integrating fitness and wellness into insurance, Aditya Birla Health rewards policyholders for healthy living.
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CSR: 96.04%
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Highlights: HealthReturns™ rewards, chronic care plans, digital health assessments
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Popular Plan: Activ Health Platinum
Tata AIG Health Insurance
A joint venture between Tata Group and AIG, Tata AIG offers solid, customizable health insurance policies with a strong network of hospitals.
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CSR: 95.91%
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Highlights: Quick claim approval, maternity and newborn cover, preventive health check-ups
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Popular Plan: Medicare Premier
SBI General Health Insurance
Backed by the State Bank of India, SBI General Insurance offers trustworthy health insurance plans that cater to various segments of society.
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CSR: 93.05%
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Highlights: Affordable premiums, large hospital network, simple claim procedure
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Popular Plan: Arogya Supreme
ManipalCigna Health Insurance
ManipalCigna is well-known for its wellness-centric policies and focus on both treatment and prevention.
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CSR: 96.56%
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Highlights: OPD cover, worldwide emergency coverage, wellness discounts
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Popular Plan: ProHealth Protect
Oriental Insurance Company (Government-owned)
A public sector insurance company, Oriental Insurance has a long-standing reputation for reliability and transparency in claims.
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CSR: 91.99%
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Highlights: Affordable plans, extensive government reach, ideal for rural and urban areas
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Popular Plan: Happy Family Floater Policy
How to Choose the Right Health Insurance Company
When evaluating health insurance providers, here are a few factors to consider:
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Claim Settlement Ratio (CSR): Indicates the percentage of claims settled successfully. Higher is better.
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Network Hospitals: More hospitals mean better chances of cashless hospitalization.
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Customer Reviews & Support: Responsive customer service and digital claim processes are a big plus.
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Premium vs. Coverage: Look for a balance between affordable premiums and adequate coverage.
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Add-on Benefits: OPD cover, maternity benefits, wellness programs, etc., can add value to your plan.
The Importance of Health Insurance
Before we dive into the top 10 health insurance companies in India, let’s first understand why having health insurance is crucial. Health insurance is like a safety net that protects you from unforeseen medical expenses. Whether it’s a routine check-up or a medical emergency, having health insurance can provide financial security and access to quality healthcare.
Conclusion
Choosing the right health insurance is not just about cost—it’s about trust, service, and peace of mind. The top 10 health insurance companies in India listed above are trusted by millions for their reliable coverage and efficient claims process. Whether you’re looking to insure yourself, your parents, or your entire family, these providers offer plans that can be customized to suit different needs.
As part of your financial planning, don’t overlook the importance of medical coverage. The right policy can save you from significant out-of-pocket expenses and offer much-needed support during emergencies.
