Rajenius Loan | Best Health Insurance Plans in India 2026

Top Health Insurance Plan in India 2026

Individual
Senior Citizen
Family

Tata AIG Medicare Premium

❤️ Extra benefits for senior citizens

✅ Bonus not affected up to ₹50,000 claim per year
✅ ₹5 Lakh no claim bonus
✅ Worldwide emergency cover

Cover amount

₹5 Lakh

Starting at

₹393/month

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S. No	Benefits	Medicare Premier
1	Sum Insured	10L / 15L / 20L / 25L / 50L / 75L / 1Cr / 2Cr / 3Cr
2	In-Patient	Up to Sum Insured – 100% Claim
3	Restore Benefit	Up to Sum Insured – Infinity Times
4	Room Rent	No Room Restriction – All Room Categories Eligible
5	Shared Room	Covered up to 0.25% of SI or ₹2,000 per day
6	Daily Cash for Attendant	Up to 0.25% of SI or ₹2,000 per day
7	Compassionate Travel	FOR SI UPTO 50 lacs MAXIMUM Rs.20,000/- YEAR SI : 75 - 300 Lacs - 50,000/ [EQUAL OR ABOVE TO SI]
8	Ambulance Cover	₹5,000 per hospitalization (≤ 50L SI) / 1% of SI (≥ 75L SI)
9	Air Ambulance	₹5,00,000 (out-of-network) / Up to SI (in-network)
10	Global Cover	Up to Sum Insured – diagnosis must be in India
11	Annual Health Check-up	SI : UPTO 50 lacs - Rs.10,000/- Per Year SI : 75 lacs - 15,000/- SI : 100 Lacs - 20,000/- SI : 200 & 300 Lacs - 25,000/
12	Consumables	100% Cover
13	Cumulative Bonus	Up to 100% of SI
14	Bonus Shield	Bonus not affected up to ₹50,000 claim per year
15	Inflation Protect	SI increases every year based on inflation
16	Vaccination Cover	Up to Sum Insured
17	Bariatric Surgery	Available (Age ≥18, BMI ≥40 with medical necessity)
18	Maternity Cover	1. WAITING PERIOD 36 MONTHS [3 YEARS] 2. Rs. 60,000/- FOR GIRL BABY 3. Rs. 50,000/- FOR BOY BABY FOR ABOVE 50 LACS OF SI 1. Rs. 1, 20,000/- FOR GIRL BABY 2. Rs. 1, 00,000/- FOR BOY BABY [EQUAL OR ABOVE TO SI]
19	Newborn Baby Cover	₹10,000 (≤ 50L SI) / ₹25,000 (≥ 50L SI)
20	1st-Year Vaccinations	₹5,000 – ₹15,000 based on SI & gender
21	Accidental Death	Up to ₹50,00,000 (for SI ≥ 50L)
22	Hearing Aid	₹10,000 every 3rd year / 50% of actuals for higher SI
23	Prolonged Hospitalization	1% of SI or ₹2,000 per day
24	OPD Treatment	₹5,000 – ₹20,000 based on SI
25	In-Patient Dental	Up to Sum Insured
26	OPD Dental	₹10,000 – ₹25,000 based on SI
27	High-End Diagnostics	₹25,000 – ₹50,000 (starts 31st day)
28	Pre / Post Hospitalization	60/90 days (≤ 50L) / 60/200 days (≥ 75L)
29	Day-Care Procedures	All procedures covered up to SI
30	Organ Donor	Up to Sum Insured
31	Domiciliary Treatment	Up to Sum Insured
32	AYUSH	Up to Sum Insured
33	Second Opinion	Up to Sum Insured
34	Home Care Treatment	Dialysis, Chemotherapy, Pandemic Care (25% of SI)
35	Wellness Service	Tele-consulting, diet/stress mgmt, vouchers, emergency help
36	Wellness Program	Risk assessment, reward earning & redemption
37	Accidental Waiting Period	Day-1 Cover
38	Initial Waiting Period	30 days (fresh policy only)
39	Specific Waiting Period	24 months (fresh policy only)
40	Pre-Existing Disease Waiting Period	24 months (fresh policy only)

Tata AIG Medicare Select

❤️ Special discount for your families

✅ 100% Claims
✅ ₹2.5 Lakh no claim bonus
✅ Restoration of cover unlimited times in a year

Cover amount

₹5 Lakh

Starting at

₹393/month

Check Premium

View all features

S. No	Benefits	Medicare Select
1	Sum Insured	5L / 7.5L / 10L / 15L / 20L / 25L / 50L / 75L / 1Cr / 2Cr / 3Cr
2	In-Patient	Up to Sum Insured – 100% Claim
3	Restore Infinity	Up to Sum Insured – Infinity Times
4	Infinity Advantage	No limit in claim amount – once in lifetime
5	Room Rent	Single Private AC Room
6	Shared Room	Covered (Rs. 1500 per day)
7	Ambulance Cover	Up to Sum Insured
8	Health Check-up	Preventive Annual Health Checkup
9	Air Ambulance	Up to Rs. 5,00,000 for out-of-network hospitals
10	Consumables	Up to Sum Insured – 100% Cover
11	Bonus Every Year	100% Bonus every year – up to 500%
12	Early Access*	Use 3 years of Sum Insured anytime during the policy period (premium to be paid for 3 years)
13	Maternity Cover	Waiting period: 24 months (can be reduced to 1 year) ₹1,00,000 per year Includes: Maternity + Newborn Baby Cover + 1st Year Vaccinations
14	Accidental Death	Inbuilt cover up to Rs. 50,00,000 (for SI above 50 Lakhs)
15	Pre / Post-Hospitalization	90 / 90 days – up to Sum Insured
16	Day Care Procedures	All day-care procedures covered – up to Sum Insured
17	Organ Donor	Up to Sum Insured
18	Domiciliary Treatment	Up to Sum Insured
19	Home Care Treatment	Dialysis at home Chemotherapy at home Up to 25% of SI for pandemic care at home (max 15 days per policy year)
20	AYUSH	Up to Sum Insured
21	Wellness Services	Unlimited tele-consulting (general & specialist)
22	Tax Benefit	Section 80D – claim up to ₹75,000 per year
23	Initial Waiting Period	30 days (except accident) – fresh policy only
24	Specific Waiting Period	24 months – fresh policy only
25	Pre-existing Disease Waiting Period	36 months – fresh policy only
26	Family Floater Discount	1 member – No discount 2 members – 22% 3 members + child – 28% 3 members (no child) – 22% 3+ members + 2 children – 32% 3+ members + 1 child – 28% 3+ members (no child) – 22%
27	Long-Term Discount	7.5% for a 3-year policy
28	Young Family Discount	10% (all insured aged ≤ 40 at inception – lifetime benefit)
29	Professional Discount	7.5% (for salaried employees of public / private companies)
30	Favorable Experience Discount	20% at inception – varies at renewal based on criteria

Galaxy Health Promise

❤️ Comprehensive coverage features

✅ Benefits for OPD and alternative treatments
✅ 100% coverage from day 1
✅ No increase in premium for 5 years

Cover amount

₹5 Lakh

Starting at

₹394/month

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ICICI Lombard Elevate

❤️ Best plan for existing disease coverage

✅ Coverage for existing disease from day 1
✅ ₹10,000 OPD cover
✅ Cashless outpatient treatments

Cover amount

₹5 Lakh

Starting at

₹493/month

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Star Health Super Star

❤️ Coverage tailored for pre-existing conditions

✅ Up to 100% coverage from day 1 for existing conditions
✅ Extra sum insured benefit for more protection
✅ Coverage for modern treatments

Cover amount

₹5 Lakh

Starting at

₹780/month

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Care Health Ultimate Care

❤️ Highest coverage with global benefits

✅ Annual coverage up to ₹6 Crore
✅ Unlimited automatic recharge
✅ Coverage for international treatments

Cover amount

Up to ₹6 Lakh

Starting at

₹2,011/month

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Niva Bupa ReAssure 2.0

❤️ Unlimited reinstatement of sum insured

✅ ReAssure benefit ( automatic refill )
✅ No claim bonus up to 100%
✅ Worldwide emergency cover

Cover amount

Up to ₹5 Lakh

Starting at

₹385/month

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Star Health Comprehensive

❤️ Coverage for the entire family

✅ Automatic restoration benefit
✅ No claim bonus up to 100%
✅ Coverage for modern treatments

Cover amount

₹5 Lakh

Starting at

₹385/month

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Care Health Care Supreme

❤️ High coverage with affordable premium

✅ Unlimited automatic recharge
✅ No claim bonus up to 150%
✅ Annual health check - up included

Cover amount

₹5 Lakh

Starting at

₹372/month

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HDFC ERGO Optima Secure

❤️ Extra protection benefits for families

✅ Secure Benefit - get extra cover without extra cost
✅ Restore Benefit for multiple claims in a year/li>
✅ No claim bonus up to 100%

Cover amount

₹5 Lakh

Starting at

₹399/month

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Tata Aig Medicare Select

❤️ Special discount for your families

✅ Single Private AC Room
✅ ₹2.5 lakh No Claim Bonus
✅ Restoration of cover unlimited times in a year

View all features ›

Cover amount

₹5 Lakh

Starting at

₹393/month

Check Premium

Tata Aig Medicare Select

❤️ Special discount for your families

✅ Single Private AC Room
✅ ₹2.5 lakh No Claim Bonus
✅ Restoration of cover unlimited times in a year

Cover amount

₹5 Lakh

Starting at

₹393/month

Check Premium

View all features

S. No	Benefits	Medicare Select
1	Sum Insured	5L / 7.5L / 10L / 15L / 20L / 25L / 50L / 75L / 1Cr / 2Cr / 3Cr
2	In-Patient	Up to Sum Insured – 100% Claim
3	Restore Infinity	Up to Sum Insured – Infinity Times
4	Infinity Advantage	No limit in claim amount – once in lifetime
5	Room Rent	Single Private AC Room
6	Shared Room	Covered (Rs. 1500 per day)
7	Ambulance Cover	Up to Sum Insured
8	Health Check-up	Preventive Annual Health Checkup
9	Air Ambulance	Up to Rs. 5,00,000 for out-of-network hospitals
10	Consumables	Up to Sum Insured – 100% Cover
11	Bonus Every Year	100% Bonus every year – up to 500%
12	Early Access*	Use 3 years of Sum Insured anytime during the policy period (premium to be paid for 3 years)
13	Maternity Cover	Waiting period: 24 months (can be reduced to 1 year) ₹1,00,000 per year Includes: Maternity + Newborn Baby Cover + 1st Year Vaccinations
14	Accidental Death	Inbuilt cover up to Rs. 50,00,000 (for SI above 50 Lakhs)
15	Pre / Post-Hospitalization	90 / 90 days – up to Sum Insured
16	Day Care Procedures	All day-care procedures covered – up to Sum Insured
17	Organ Donor	Up to Sum Insured
18	Domiciliary Treatment	Up to Sum Insured
19	Home Care Treatment	Dialysis at home Chemotherapy at home Up to 25% of SI for pandemic care at home (max 15 days per policy year)
20	AYUSH	Up to Sum Insured
21	Wellness Services	Unlimited tele-consulting (general & specialist)
22	Tax Benefit	Section 80D – claim up to ₹75,000 per year
23	Initial Waiting Period	30 days (except accident) – fresh policy only
24	Specific Waiting Period	24 months – fresh policy only
25	Pre-existing Disease Waiting Period	36 months – fresh policy only
26	Family Floater Discount	1 member – No discount 2 members – 22% 3 members + child – 28% 3 members (no child) – 22% 3+ members + 2 children – 32% 3+ members + 1 child – 28% 3+ members (no child) – 22%
27	Long-Term Discount	7.5% for a 3-year policy
28	Young Family Discount	10% (all insured aged ≤ 40 at inception – lifetime benefit)
29	Professional Discount	7.5% (for salaried employees of public / private companies)
30	Favorable Experience Discount	20% at inception – varies at renewal based on criteria

Tata Aig Medicare Premium

❤️ Extra benefits for senior citizens

✅ Deluxe Private Room
✅ ₹5 lakh No Claim Bonus
✅ Worldwide emergency cover

Cover amount

₹5 Lakh

Starting at

₹393/month

Check Premium

View all features

S. No	Benefits	Medicare Premier
1	Sum Insured	10L / 15L / 20L / 25L / 50L / 75L / 1Cr / 2Cr / 3Cr
2	In-Patient	Up to Sum Insured – 100% Claim
3	Restore Benefit	Up to Sum Insured – Infinity Times
4	Room Rent	No Room Restriction – All Room Categories Eligible
5	Shared Room	Covered up to 0.25% of SI or ₹2,000 per day
6	Daily Cash for Attendant	Up to 0.25% of SI or ₹2,000 per day
7	Compassionate Travel	FOR SI UPTO 50 lacs MAXIMUM Rs.20,000/- YEAR SI : 75 - 300 Lacs - 50,000/ [EQUAL OR ABOVE TO SI]
8	Ambulance Cover	₹5,000 per hospitalization (≤ 50L SI) / 1% of SI (≥ 75L SI)
9	Air Ambulance	₹5,00,000 (out-of-network) / Up to SI (in-network)
10	Global Cover	Up to Sum Insured – diagnosis must be in India
11	Annual Health Check-up	SI : UPTO 50 lacs - Rs.10,000/- Per Year SI : 75 lacs - 15,000/- SI : 100 Lacs - 20,000/- SI : 200 & 300 Lacs - 25,000/
12	Consumables	100% Cover
13	Cumulative Bonus	Up to 100% of SI
14	Bonus Shield	Bonus not affected up to ₹50,000 claim per year
15	Inflation Protect	SI increases every year based on inflation
16	Vaccination Cover	Up to Sum Insured
17	Bariatric Surgery	Available (Age ≥18, BMI ≥40 with medical necessity)
18	Maternity Cover	1. WAITING PERIOD 36 MONTHS [3 YEARS] 2. Rs. 60,000/- FOR GIRL BABY 3. Rs. 50,000/- FOR BOY BABY FOR ABOVE 50 LACS OF SI 1. Rs. 1, 20,000/- FOR GIRL BABY 2. Rs. 1, 00,000/- FOR BOY BABY [EQUAL OR ABOVE TO SI]
19	Newborn Baby Cover	₹10,000 (≤ 50L SI) / ₹25,000 (≥ 50L SI)
20	1st-Year Vaccinations	₹5,000 – ₹15,000 based on SI & gender
21	Accidental Death	Up to ₹50,00,000 (for SI ≥ 50L)
22	Hearing Aid	₹10,000 every 3rd year / 50% of actuals for higher SI
23	Prolonged Hospitalization	1% of SI or ₹2,000 per day
24	OPD Treatment	₹5,000 – ₹20,000 based on SI
25	In-Patient Dental	Up to Sum Insured
26	OPD Dental	₹10,000 – ₹25,000 based on SI
27	High-End Diagnostics	₹25,000 – ₹50,000 (starts 31st day)
28	Pre / Post Hospitalization	60/90 days (≤ 50L) / 60/200 days (≥ 75L)
29	Day-Care Procedures	All procedures covered up to SI
30	Organ Donor	Up to Sum Insured
31	Domiciliary Treatment	Up to Sum Insured
32	AYUSH	Up to Sum Insured
33	Second Opinion	Up to Sum Insured
34	Home Care Treatment	Dialysis, Chemotherapy, Pandemic Care (25% of SI)
35	Wellness Service	Tele-consulting, diet/stress mgmt, vouchers, emergency help
36	Wellness Program	Risk assessment, reward earning & redemption
37	Accidental Waiting Period	Day-1 Cover
38	Initial Waiting Period	30 days (fresh policy only)
39	Specific Waiting Period	24 months (fresh policy only)
40	Pre-Existing Disease Waiting Period	24 months (fresh policy only)