🚀 Fincover® App is Now Live!
Join 10 Million+ users on web – now available on mobile!
Last updated on: May 20, 2025
The key pain points associated with choosing 1 crore health insurance in India for 2025 include justifying the high sum insured, understanding the layered policy structure, and ensuring inclusion of global and specialized treatment benefits. The featured 1 Crore Health Insurance in India effectively addresses these issues by offering all-inclusive coverage for high-cost treatments, international medical care, critical illnesses, and long-term hospitalization. It is ideal for HNIs, business owners, and families seeking top-tier medical protection without financial limits. The platform enhances user clarity with transparent breakdowns, AI-driven customization based on lifestyle and risk exposure, and expert guidance to ensure maximum return on investment and seamless claims experience.
Author
Read Bio
Reviewed by
Read BioHealth insurance is crucial in today’s fast-paced world with rising medical costs. Indian families, particularly after the pandemic, are becoming more concerned with a strong and flexible health cover that suits their requirements and budget. Two of the most popular health insurance providers, Aditya Birla Health Insurance and Care Health Insurance, are frequently in the spotlight, and it is hard to choose between them in 2025. This comprehensive guide is a comparison between Aditya Birla Health Insurance and Care Health Insurance based on features, benefits, exclusions, claims, network hospitals, customer satisfaction, and pricing to help you make an informed choice that meets your needs.
When doing research on the best health insurance plans in India in 2025, these two names often come out as the most recommended health insurance plans to families and individuals.
Q. Do young and healthy people need health insurance?
A. Even younger people can be helped by health insurance, since sudden illnesses/accidents may also result in high medical bills. It is also cheaper to purchase when it is early
Fun Fact? In 2024, approximately 63 percent of Indian families were interested in health plans that rewarded preventive health check-ups and wellness involvement, which made insurers such as Aditya Birla Health and Care Health Insurance more popular.
| Coverage Parameter | Aditya Birla Health Insurance | Care Health Insurance |
|---|---|---|
| Network Hospitals | 10000+ | 22000+ |
| Pre-Hospitalisation Cover | Up to 60 days | Up to 60 days |
| Post-Hospitalisation Cover | Up to 180 days | Up to 180 days |
| Day Care Procedures | 586+ | 586+ |
| Claim Settlement Ratio (2023) | 99.41 percent | 95.22 percent |
| Wellness Rewards | Up to 30 percent premium payback | Up to 20 percent premium payback |
| YUSH Treatment | Yes | Yes |
| Chronic Management Benefits | Yes (optional add-on) | Limited (depending on plan) |
| Maternity Cover | Select plans | Select plans |
Both insurers provide comprehensive cover, however, Care Health has a wider network of hospitals including tier 2 and tier 3 cities. Aditya Birla does well in wellness and chronic care add-ons to more engaged policyholders.
In 2025 wellness benefits are a major differentiator as customers want more than hospitalisation cover.
Expert Insight: As per industry experts, those insurers that have wellness-linked incentives are likely to report lower claim ratios and increased customer engagement, as policyholders take active responsibility in keeping themselves healthy.
Q. Do wellness rewards lower health insurance premium?
A. Wellness rewards can reduce your renewal premium by discounting or cashback when you achieve activity goals and make regular check-ups.
Q. Is it possible to shorten the waiting period of pre-existing conditions?
A. Certain insurers offer buy-back options or additional premium to waive or shorten waiting periods but read the terms.
Fun Fact? In 2023-24, more than 18 percent of new policy purchasers who selected pre-existing disease coverage upgrades selected waiting period reduction features.
Both insurance companies provide cashless and reimbursement claims services, with digital-first strategies.
Industry Example:
In 2024, a Pune-based user with a chronic heart condition was hospitalised. Aditya Birla settled his 2.4 lakh INR cashless claim in less than 36 hours, including ICU charges, due to pre-authorisation and digital submission.
Q. Is claim settlement ratio important?
A. Yes, a high claim settlement ratio shows that the insurance company is more likely to accept and pay valid claims in time.
The price of health insurance in India varies with age, the sum insured, location, and the add-ons selected. Here is a sample premium comparison for a family of four in 2025 (two adults, two kids, non-smokers, Metro city, 10 lakh INR sum insured):
| Company | Plan Name | Annual Premium (2025) | Major Add-ons Included |
|---|---|---|---|
| Aditya Birla Health | Activ Health Platinum | 21000 - 26000 INR | Chronic Care, Maternity, Wellness Coach |
| Care Supreme | Care Health | 19000 - 25000 INR | Global Cover, Maternity, Wellness |
Q. Will a 10 lakh sum insured suffice a family in 2025?
A. In the case of most nuclear families in urban India, 10 lakh is a good starting point, but in the case of metropolitan or elderly family members, higher cover may be required.
Expert Tip: The best way to compare annual premiums is on trusted insurance marketplaces, where you can see the latest offers and discounts across a variety of brands in one place.
Bonus and restoration are long-term value adders.
Fun Fact? In a 2025 survey, 67 percent of new health insurance buyers demanded mental wellness and digital OPD coverage in their health insurance plan.
Q. Which insurance company is superior in the case of pre-existing diseases?
A. Aditya Birla can be better in terms of chronic disease management and faster wait period reduction, but Care Health can provide more sum insured or add-ons at the same premium.
The selection of the right insurer is dependent on:
Case Study:
Seema, 34 years old, Bengaluru, was seeking a family plan with wellness benefits and simple claims procedure. She compared on a trusted online marketplace and selected Aditya Birla over its wellness returns, despite being 7 percent more expensive. Her husband, with a desire to have broader hospital access to elderly parents, chose Care Health because of the size of its network.
Q. Is online aggregation of health insurance safe?
A. Most of the IRDA-approved digital platforms provide fair comparisons and safe transactions, but make sure to look at the credentials of the provider.
Expert Insight: The average urban consumer now researches 4 or more providers online before making an insurance decision transparency and side-by-side comparison leads to better decisions and higher satisfaction.
Both provide critical illness coverage to older adults on some plans, but look at waiting periods and exclusions.
Q. Which is better health insurance company in India, Aditya Birla or Care Health?
A. Each has its own advantages Select Aditya Birla when wellness and chronic care programs are important. Pick Care Health with larger hospital networks and low premiums.
Q. Who has a better claim settlement ratio in 2025?
A. According to the latest data, Aditya Birla had a superior claim settlement rate of over 99 percent, whereas Care Health was above 95 percent.
Q. Can I add my parents to the same health policy?
A. Both insurers offer family floater options that can cover dependent parents, but they may have age restrictions.
Q. Which is the better insurer in terms of cashless hospitalisation?
A. Care Health Insurance already has a significantly larger network of hospitals to provide cashless services.
Q. How do I choose between the two insurers?
A. Compare plan features, costs, and claim data in side-by-side comparison on online marketplaces. Prioritise according to your budget, health needs, access to preferred hospitals, and wellness needs.
How could we improve this article?
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
Loved by 1M+ users. Start your financial journey today!
