Top Term Life Health Plans in India (2025)

Insurer	Plan Name	Sum Insured Range	Network Hospitals	Key Features
HDFC ERGO	Optima Secure	₹5 lakh – ₹2 crore	15,000+	Unlimited restore benefit, no disease-wise sub-limits, wellness benefits
Niva Bupa	ReAssure 2.0	₹5 lakh – ₹1 crore	10,000+	Unlimited reinstatement, booster+ benefit, high claim settlement ratio
Care Health	Supreme	₹5 lakh – ₹1 crore	21,600+	No room rent capping, global coverage, annual health check-ups
Aditya Birla	Activ One	₹2 lakh – ₹6 crore	11,000+	Wellness rewards, chronic management program, no room rent limits
Bajaj Allianz	Health Guard Gold	₹1.5 lakh – ₹1 crore	18,400+	Maternity cover, preventive check-ups, lifelong renewability
ManipalCigna	ProHealth Prime	₹3 lakh – ₹1 crore	15,000+	Global coverage, unlimited reinstatement, wellness programs
ICICI Lombard	Elevate	₹5 lakh onwards	10,200+	Wide coverage options, wellness rewards, digital health solutions
Star Health	Smart Health Pro	₹5 lakh – ₹1 crore	14,000+	Pre and post-hospitalization, no room rent limits, disease-specific covers
Tata AIG	MediCare Plus	₹3 lakh – ₹1 crore	12,000+	Comprehensive coverage, optional critical illness rider, global cover options
SBI General	Arogya Supreme	₹1 lakh – ₹5 crore	16,625+	Wide sum insured options, wellness benefits, multiple plan variants

Tips for Selecting the Right Health Insurance Plan

1. Assess Your Needs: Consider factors like age, family medical history, and existing health conditions.

2. Compare Plans: Use online platforms to compare different plans based on coverage, premiums, and benefits.

3. Read the Fine Print: Understand the terms and conditions, including exclusions and waiting periods.

4. Check for Add-ons: Evaluate the availability of riders like critical illness cover, maternity benefits, etc.

5. Consult Experts: Seek advice from insurance advisors or use platforms like TJM for personalized recommendations

Top Health Insurance Companies in India (2025)

Company	Claim Settlement Ratio	Notable Features
Care Health Insurance	100%	Comprehensive plans, extensive network hospitals
Niva Bupa Health Insurance	100%	Innovative plans with unlimited reinstatement, wellness benefits
ManipalCigna Health Insurance	99.96%	Global coverage options, chronic care management
Star Health Insurance	99.01%	Specialized plans for various diseases, extensive hospital network
Aditya Birla Health Insurance	99.01%	Wellness rewards, chronic management programs