List of Health Insurance Companies in 2025
Here is a simple look at the major health insurance players in India for 2025. Both private and government insurance companies are included:
- Star Health and Allied Insurance
- HDFC ERGO Health Insurance
- ICICI Lombard General Insurance
- Niva Bupa Health Insurance (formerly Max Bupa)
- Care Health Insurance
- Reliance General Insurance
- Tata AIG General Insurance
- Aditya Birla Health Insurance
- SBI General Insurance
- United India Insurance
- New India Assurance
- Oriental Insurance Company
- National Insurance Company
Each of these top health insurance providers offers multiple plans for individuals, families, senior citizens, and critical illness. Choosing depends on budget, sum insured, network hospitals, and claim settlement record.
- Broad hospital systems in 2025
- The different individual, family floaters, parents, maternity and specific disease plans
- Treatment with cashless in over 15000 hospitals
- Online claims and customer service
Which are the Types of Health Insurance Plans Provided by the Indian Companies?
What are the Common Health Insurance Policies?
Very nearly all the wide-ranging health insurance arrangements now propose the following:
- Individual Health Insurance: These are health insurance policies in the case of a single policyholder.
- Family Floater Health Insurance: insures the sum under a single sum insured.
- Senior Citizen Health Plans: Special arrangement made to fit those over the age of 60 years.
- Critical Illness Insurance: Provides coverage to life-threatening illness such as cardiac arrest, cardiovascular diseases, kidney failure.
- Personal Accident Insurance: Insures any accidental injury and fatality.
- Maternity Insurance: The pregnancy and new born costs.
- Group Health Insurance: This insurance plan is usually popular among companies concerning their employees.
Highlights:
- Other additional specifications such as OPD cover, room rent waiver, no claim bonus boosters
- Covid 19 will be a routine coverage in plans by 2025
- Claim and renewal process without paper
Select Best health insurance company in India.
What Are The Factors That You Should Compare Before The Purchase Of Health Insurance?
It is not just about low premiums to get the best health insurance company. Those are several important points you should remember:
- Claim Settlement Ratio (CSR): Always check latest IRDAI report. The high CSR implies a larger number of successfully paid claims.
- Network Hospitals: More can network hospitals with easy treatment.
- Plan Features: Check whether day care, home care, AYUSH and mental health are included.
- Customer Reviews: Reviews customer feedback on line on customer service and claim process.
- Waiting Periods: Less waiting periods on pre existing diseases is good.
- Premium and Sum Insured: Find the right price, and the cover required in 2025.
Popular Health Insurance Companies 2025 Practice Table
| Name of Company | Claim Settlement Ratio | Network Hospital | Specialties |
|---|---|---|---|
| Star Health | 99 percent | 14000+ | 2 hour claim |
| HDFC ERGO | 97 percent | 12000+ | Lifetime renewal, no capping |
| Niva Bupa | 96 percent | 10000+ | Direct claim settlement |
| ICICI Lombard | 98 percent | 7500+ | Health and wellness services |
| Care Health | 95 percent | 9000+ | Covered OPD and daycare |
| Tata AIG | 94 percent | 8500+ | Cancer and diabetes unique plans |
Did you learn?
Dr. Manish Gupta, a senior insurance advisor, says that 3 of 4 rejection of the claims in India were caused because of lacking documentation or failure to read the policy conditions. In health insurance, one should always read the inclusions and exclusions when processing a plan.
What will be the Best Private Health Insurance Companies in 2025?
What sets Private Insurers apart with Public Companies?
In India, the private health insurance providers are customer centered with innovative products and rapidity in claims. Such companies operate larger in-hospital networks and technological based apps to make claiming cash-less easy.
Best Private Health Insurance on 2025
- Star Health and Allied Insurance: The biggest standalone health insurance company in India.
- Niva Bupa Health Insurance: Well known with the family and maternity covers.
- HDFC ERGO Health Insurance: It is POPULAR due to its broad selection of plans and fast settlement period.
- Aditya birla health insurance: Wellness benefits and chronic care.
- Care Health Insurance: Ideal in regard to critical and lifestyle disease plans.
- ManipalCigna Health Insurance: OPD includes unique Global travel cover.
Key Highlights:
- Low claim rates and electronic settlement of claims
- Teleconsultation and annual free checkup
- Special features such as every day cash and no claim bonus in hospitals
What are the Top Government Owned Health Insurances?
Why Would People continue to favour Public Sector Insurance Firms?
Government general insurance companies are much preferred by many people on grounds of their trust, large network and creditable decade-long service. The 4 PSU health insurers are the; Big 4 in India:
- New India Assurance Company
- United India Insurance Company
- National Insurance Company
- Oriental Insurance Company
Their policies are well suited for older citizens, retired employees, and those looking for higher coverage at moderate premiums.
Key Points:
- Strong presence in tier II and rural towns
- Policies accepted at most big hospitals
- Suitable for group and senior citizen mediclaim
Expert’s Insight:
Mr. Shailesh S. Saxena, ex-Head of Claims at United India, says, “Government companies may be slower, but they are rock solid at claim settlements, especially for senior citizens and group health.”
What are the Top Affordable Health Insurance Plans in 2025?
Which Health Insurance is Best for Low-Income and Middle-Class Families?
Healthcare costs have risen 100 percent in India in the past decade. For a family of 4 with ₹5 lakh cover, many good policies are now available starting from ₹10,000 per year.
Most Affordable Health Insurance Policies:
- Star Health Family Health Optima
- Care Health Care Plus
- Niva Bupa ReAssure 2.0
- HDFC ERGO Optima Restore
- ICICI Lombard Complete Health Insurance
- SBI General Arogya Supreme
Budget Plan Features:
- Basic coverage for hospitalization, surgery
- Pre and post hospitalization up to 180 days
- Day care procedures, ambulance, free health checkup
Top Tip: Always check co payment, sub limit, and waiting periods for cheaper plans.
How to Compare and Buy the Best Health Insurance Online in 2025?
What is the Easiest Way to Find and Apply for a Suitable Policy?
Today, buying a health insurance plan is easy and mostly paperless. You can compare top companies and their plans online based on premium, features, hospital network, and customer rating.
Steps to Apply on Fincover dot com:
- Go to fincover dot com and click on Health Insurance.
- Fill basic details – age, members, city, sum insured needed.
- Instantly see top matching health insurance plans from all leading companies.
- Compare plans side by side for premiums, benefits and features.
- Choose your best policy and upload KYC documents.
- Pay online and download policy instantly.
Benefits of Comparing Online:
- Transparent comparison of all health insurance companies
- Discounts and no agent commission
- Fast customer help and support
Did you know?
Online comparison platforms like fincover dot com can save you up to 15 percent in premium as they offer exclusive web discounts and direct insurer quotations.
What are Special Plans Offered by Health Insurance Companies in 2025?
Are There Policies for Senior Citizens, Women, and Critical Illness?
Yes, most best health insurance providers in India now offer tailor made plans for specific needs:
- Senior Citizen Health Insurance: If one is over 60 years. Star Senior Citizens Red Carpet is an example.
- Women Health Insurance: Pregnancy and new baby insurance. Case study: Niva Bupa Aspire Maternity Plan.
- Critical Illness policy: cancer, heart and stroke Fixed benefit. HDFC ERGO CritiCare.
One-of-a-kind Add-Ons in 2025:
- The Ayurveda, Naturopathy are covered by AYUSH
- Teleconsultation and mental health
- No claim bonus up to 200 percent
What are the health insurers that offer the best No Claim Bonus and Loyalty Benefits?
How Do No Claim Bonus (NCB) and Wellness Features Work?
Leading corporations give healthful customers rewards to remain healthy and claim free year after year. Benefits include:
- No Claim Bonus: Sum Insured progressively increased by 10-50 per cent each year there are no claim.
- Wellness Rewards: Receive credit in walking, exercise, checkup.
- Loyalty Programs: Discounts to the family, free checkups, diet consultations.
The 2025 Hits of NCB Plans:
- ICICI Lombard Health AdvantEdge
- Care Health Enhance
- Niva bupa health recharge
- Aditya Birla Activ Health Platinum
Expert Insight:
According to Dr. Priya Yadav, Health Policy Specialist, when the person is young and healthy, one should always purchase a plan with additional No Claim Bonus. It means that your covering can be doubled within five years without additional cost.”
What are the Processes of Claim Settle and Cashless Treatment by Health Insurance Companies?
What is Claim Process and Cashless Network?
The mainstream health insurance firms simplify the process of making claims and turn it transparent in 2025.
- Cashless Claim: Admit in any of the network hospitals, present your police card to TPA desk, complete claim form. The hospital is paid directly by insurer.
- Reimbursement Claim: In case of treatments not associated with network, pay and bill afterwards to get insurance reimbursement.
Claim Settlement Ratio:
Always ensure that you use IRDAI data of the latest year.
Hints on Problem Free Claims:
- Always inform insurer within 24 to 48 hours of hospitalization.
- Submit all required documents – bills, doctor reports, KYC, discharge summary.
- Track claim status online via app or website.
Which are the Best Health Insurance Companies for NRIs and Global Cover?
Can NRIs and Frequent Travelers Buy Indian Health Insurance Plans?
Yes! Many top insurers now have special policy variants for Indians living overseas or frequent international travelers.
Best NRI and Global Coverage Providers:
- ICICI Lombard NRI Protect
- ManipalCigna Pro Health Global
- Niva Bupa Global Health Secure
- Star Health Travel Protect
Special Features:
- Cashless treatment abroad in select networks
- Emergency medical evacuation and repatriation
- Coverage for annual India visits
What Documents are Needed to Buy Health Insurance in India?
Is the Application Process Easy? What KYC is Required?
To issue a new health insurance policy, you need:
- Identity Proof (Aadhaar, Voter ID, Passport)
- Address Proof
- Recent Photograph
- Age Proof (PAN, Birth Certificate)
- Medical Test Report (only above 45 years or for high sum insured)
Policy is issued instantly online after verification.
What is the IRDAI and How Does It Regulate Health Insurance Providers?
Who Keeps Health Insurance Companies Accountable?
IRDAI is Insurance Regulatory and Development Authority of India. It approves, regulates, and monitors all health insurance policies, premiums and claim practices.
- Reports on a yearly basis on claim settlement of each of the insurer by publishing
- Listens to the customer complaints through toll free and ombudsman system
- Provides consumer protection and fair practice
You may not know?
In case your claim is rejected by some health insurance company without any reason, then you can appeal to the IRDAI Ombudsman. Nearly 87 per cent dispute with fake claims are settled in favor of policyholders.
Comparison Table: Top Health Insurance Companies in India (2025)
| Company | Type | Average Premium (Family of 4, ₹5L Cover) | Claim Ratio | Max NCB | Unique Feature |
|---|---|---|---|---|---|
| Star Health | Private | Rs 12000 | 99 percent | 100 percent | 2 hour quick claim |
| HDFC ERGO | Private | RS.11,700 | 97 percent | 150 percent | Disease specific plans |
| Niva Bupa | Private | 12500 | 96 per cent | 200 per cent | Maternity plus plans |
| ICICI Lombard | Private | 12300 | 98 percent | 50 percent | NRI Global Protection |
| SBI General | PSU | 10,500Rs. | 92 percent | 105 percent | Extensive coverage of hospitals in rural areas |
| New India | PSU | 10800 | 93 percent | 50 percent | Best plans to senior citizens |
| Care Health | Private | 900 | 95 percent | 100 percent | Ayush and wellness reward |
People Also Ask: Health Insurance Companies (FAQ) 2025
Q: What is the most preferred health insurance firm in 2025 India?
A: There are no best insurance companies that fit to all people. Star Health, HDFC ERGO, ICICI Lombard, Niva Bupa, and Care Health enjoy popularity because of their high claim ratio, large hospital network, and innovative products.
Q; What are the ways I can compare health insurance policies?
A: View premium, features and hospital networks side-by-side before purchasing through online aggregators such as fincover dot com. Policy documents should be read whenever reading them.
Q:Which insurance company corresponds to the elderly?
A: The two public sector companies are New India and the United India, and these have got some special plans to the senior citizens. The special plans are also offered by the private players like Star health.
Q: Is the scheme of cashless hospitalization dominant everywhere?
A Cashless treatment would be effective with the insurer hospitals only. Always consult the list before you take the policy otherwise, it may not be covering your city.
Q: What is a good claim settlement ratio of a health insurer?
A: Ratio of 95 percent and upwards in terms of claim is quite good.
Q: Are the conditions which exist to be covered?
A: The pre existing diseases are considered a waiting period of most health insurance companies and it is found within the space of 2 to 4 years. There are others with special plans which have minimized wait periods.
Q: Are there any health insurance policies that can be transferred to another company?
A:Yes under the regulation of IRDAI, you can swap health insurance companies during renewals but not to lose the benefit of waiting period.
Q: What to do with a rejected claim?
A: Discover the reason behind denial. Elsewhere, you are at liberty to go to the insurance ombudsman or IRDAI.
Q: Do health insurances offer policies on specific disease like cancer or diabetes?
A: Yes, cancer, diabetes, cardiac and so on are some of the diseases that are the special plans of some of the best insurers. These may include lower premiums and tight coverage.
Q: How old must I be before I have to get a health insurance?
A: Specialists say that the jackpot is to pay less in premiums when you are in your 20s and get the best coverage.
Train, compare and save the Future of your family. Investment in a health insurance cover in a well-known company in 2025 is not an option anymore but a necessity of any Indian family.