The ranking · 2026
Best health insurance in India.
Top plans compared side-by-side on every clause that decides your claim. Review the details before choosing a policy.
Feature
Optima Secure+HDFC Ergo★ 4.7Optima SecureHDFC Ergo★ 4.7Health AdvantEdgeICICI Lombard★ 4.1Activ One (MAX)Aditya Birla★ 4.6ReAssure 2.0 (Platinum+)Niva Bupa★ 4.1Platinum Health InsuranceAcko★ 4.6Insurance Care SupremeCare★ 4.1Room Rent Limit
No limit
No limit
No limit
No limit
No limit
No limit
No limit
Co-Pay
No
No
No
No
No
No
No
Disease Sub-limit
No
No
No
No
No
No
Yes
Pre Hospitalisation
60 days (Covered up to: sum insured)
60 days (Covered up to: sum insured)
60 days
90 days (Covered up to: sum insured)
60 days
60 days (Covered up to: sum insured)
60 days
Post Hospitalisation
180 days (Covered up to: sum insured)
180 days (Covered up to: sum insured)
180 days
180 days (Covered up to: sum insured)
180 days
120 days (Covered up to: sum insured)
180 days (Covered up to: sum insured)
Refill on Exhaustion
Available
Available
Available
Available
Available
Available
Available
Initial Waiting Period
30
30
30
30
30
0
30
Specific Illness Waiting
2
2
2
2
2
0
2
Pre-existing Disease Waiting
3
3
2
3
3
0
1
Day Care
Yes (Covered up to: sum insured)
Yes (Covered up to: sum insured)
Yes
Yes
Yes (Covered up to: sum insured)
Yes
Yes
Domiciliary
Yes (Covered up to: sum insured)
Yes (Covered up to: sum insured)
Yes (Covered up to: sum insured)
Yes (Covered up to: sum insured)
No (Covered up to: sum insured)
Yes (Covered up to: sum insured)
Yes (Covered up to: sum insured)
Modern Treatment
Yes (Covered up to: sum insured)
Yes (Covered up to: sum insured)
Yes
Yes
Yes
Yes
Yes (Covered up to: sum insured)
Consumables
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No-Claim Bonus
100%
50%
20%
100%
500%
10%
100%
Affordability
Expensive
Expensive
NA
Affordable
NA
Expensive
NA
Representative values from policy documents — always verify current wording with the insurer.