Best Health Insurance Policies- Top 10 Health Insurance in India

Best health insurance

As we all are aware of an adage “Health is Wealth”. In this contemporary world, being healthy is a very difficult and people opt for health insurance policy. Nowadays, there are many health insurance companies that offers various insurance policy. All of the insurance have different coverage, premium amounts and other add-on benefits. We will help you to find the best health insurance policy and everything you need to know about it. Here we have listed 10 best health insurance policies to buy.

Best Health Insurance Policies

1. Aditya Birla Activ Assure Diamond Plan

Aditya Birla Activ Assure Diamond Plan is one the top health insurance policy. Individuals can opt for this policy it covers all hospitalization expenses. It also has a optional cover for cancer with boosting facilities and room upgrades. Some of the benefits of Aditya Birla Activ Assure diamond plan are given below.


  • This plan covers all vaccination charges for individuals younger than 18 years of age and provides insurance of Rs. 1 crore or more.
  • It also covers donor organ transplant expenses for harvesting organ for transplantation.
  • Emergency ambulance costs and hospitalization expenses are covered in this policy

2. Bajaj Allianz Health Guard Plan

Bajaj Allianz Health Guard Plan is another top health insurance policy that you find as it covers all major medical expenses. This insurance policy is available for both individuals and families. This Health Guard Plan by Bajaj Allianz also insures all expenses during pregnancy and also to the newborn child will be covered.


  • Bajaja Allianz Health Guard Plan covers all the expenses before hospitalization provided for all those things were carried out 60 days prior to hospitalization.
  • Health Guard Plan also covers expenses even after the individual is discharged from the hospital. This is valid for only 90 days after the discharge.

3. Bharti AXA Smart Health Insurance Plan

Bharti AXA Smart Health Insurance Plan covers all medical expenses as well as emergency hospitalization expenses. You are all entitled to health check-ups and benefits like tax saving and renewal of discounts.


  • Individual with the age between 3 months to 65 years can opt for this health plan.
  • Expenses before hospitalizations are covered which are 30-40 days prior to hospitalization.
  • Post hospitalization expenses are also covered up to 90 days after discharge.

4. Chola MS Family Healthline Insurance Plan

Chola MS Family Healthline Insurance Plan covers all the expenses made for both Allopathy and Ayurvedic treatments. This single plan insures your children as well as spouse. All of the external aspects are covered in this policy such as contact lens, hearing aids, OP dental treatments, etc.


  • This plan covers all expenses related maternity.
  • There are variety of options to choose from like Standard, Advanced or Superior plan.

5. Digit Health Insurance

Digit Health Insurance is another health insurance plan that covers all of the deadly and unique diseases and its treatments. This plan has less limitations and has add-on benefits making it a very good health insurance to opt for.


  • This health insurance plan covers many unique disease and also cover coronavirus COVID-19.
  • This plan also covers psychiatric illnesses.

6. Edelweiss Health Insurance Plan

Edelweiss Health Insurance Plan is a affordable plan and also covers AYUSH treatment. There are variety of plans to choose from like silver, gold and platinum. This plan covers all critical illnesses and even maternity expenses.


  • This plan covers organ donation expenses.
  • This plan provides no capping over ICU expenses.

7. Future Generali Criticare Plan

Future Generali Criticare plan covers variety of critical diseases and all of them are mentioned into policy. This plan offers cashless mode to claim and has its strong network of hospitals.


  • This Future Generali policy covers expenses for both individuals as well as families.
  • All of the critical diseases are mentioned in the policy and one of it is cancer.

8. Iffco Tokio Health Protector Plus Policy

Iffco Tokio Health Protector Plus plan covers treatment expenses for individuals and also for families. This plan covers hospitalization costs in case of a expensive treatment for any critical illnesses or accidents.


  • This plan is available for all individuals between the age of 18 to 65 years of age.
  • There variety of options to choose from such as single year plan, top-up plan or a super top-up plan.
  • This plan also covers expenses for vitamins and tonics that are part of your medical treatment.

9. Kotak Health Premier Plan

Kotak Health Premier insurance policy provides many value-added features to the policyholders. All of the critical illnesses and emergency incidents are also covered under this health plan. A range of sum insured that ranges from Rs. 3 lakh to Rs. 25 lakh makes an ideal plan for a family.


  • There are many discounts to choose from such as long-term policy or family discounts.
  • There is always a option to renew your plan for lifetime.

10. Liberty Health Connect Supra Top-up

Liberty Health Connect Supra Top-up is another health insurance policy has many variants. This health plan covers AYUSH treatment, overseas expenses and also there a wellness & assistance program.


  • This health policy covers hospitalization expenses that before admitting of patient and also the expenses that are generated after the discharge.
  • This health plan also covers expenses for room rents and intensive care unit expenses.

Best Health Insurance Policies Conclusion

There are many insurance policy in the market but you can choose anyone of them as per your need. Every health insurance has a different features and premium plans. Choose the right one for you or your family. Invest now in health insurance and protect yourself from any kind of emergency. Invest now!


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