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Protect yourself and your family from rising medical expenses with the best health insurance plans in India. At E-Insure First, we help you compare health insurance plans online from top insurers and choose the right policy with low premiums, cashless hospitalization, and expert claim support.
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Plans Compared
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E-Insure First is an insurance aggregator helping users compare IRDAI-approved health insurance plans in India. We work with leading insurance providers in India to ensure users get access to reliable and updated plan information.
Compare India’s top health insurance plans based on coverage, premium, claim settlement ratio, and benefits to find the right policy for you and your family.
| Rank | Insurance Company | Popular Plans | Best For | Key Highlights | Action |
|---|---|---|---|---|---|
| 1 |
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Optima Select, Optima Restore, my:health Suraksha | Families & Individuals | Wide hospital network, quick claim settlement, comprehensive coverage | Get a Quote |
| 2 |
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Aspire, ReAssure, Health Companion | High Coverage Buyers | Unlimited restore benefits, wellness rewards, high claim settlement ratio | Get a Quote |
| 3 |
 |
Ultimate Care, Care Advantage | Family Floater Buyers | Unlimited recharge, annual health check-ups, extensive cashless treatment | Get a Quote |
| 4 |
 |
Star Comprehensive, Family Health Optima, Senior Citizens Red Carpet | Senior Citizens & Families | Pre-existing disease support, large hospital network, fast claims | Get a Quote |
| 5 |
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Elevate, Complete Health Insurance, Health Booster | Flexible Coverage Seekers | Customizable benefits, digital claims, wellness programs | Get a Quote |
| 6 |
 |
Activ Health, Activ Assure Diamond | Wellness-Focused Buyers | Wellness rewards, chronic disease management, preventive care | Get a Quote |
| 7 |
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Sarvah Uttam, ProHealth, Lifetime Health | Premium Buyers | High sum insured, advanced medical benefits, global coverage | Get a Quote |
| 8 |
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Bharat X, Digit Health Care Plus, Super Top Up | Young Professionals | Affordable premiums, digital-first process, fast claims | Get a Quote |
| 9 |
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Health Infinity, Health Gain | Budget-Conscious Buyers | Affordable plans, wide hospital network, flexible coverage | Get a Quote |
| 10 |
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Chola Healthline, Chola MS Critical Healthline | Critical Illness Buyers | Critical illness cover, easy renewals, reliable support | Get a Quote |
| 11 |
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Yuva Bharat Health Policy | Young Adults | Budget-friendly entry-level coverage, trusted public insurer | Get a Quote |
| 12 | Arogya Sanjeevani Policy (Multiple Insurers) | Standardized Health Plan | First-Time Buyers | Affordable premium, standardized coverage, easy comparison | Get a Quote |
A health insurance policy helps cover medical expenses like hospitalization, surgeries, medicines, and emergency treatment. It protects your savings and ensures access to quality healthcare without financial stress.
At E-Insure First, you can easily compare health insurance plans online and choose the best policy for your family.
Choosing the right health insurance policy is easy with E-Insure First.
Compare premium, benefits, and health insurance claim settlement ratio.
Get personalized help choosing the right plan.
Access treatment at 18,000+ cashless hospitals.
Get end-to-end help for smooth claim settlement.
Understanding health insurance in India becomes easy with a real-life example. Whether you want to buy health insurance online, compare health insurance plans, or choose the best health insurance plan in India, knowing how the process works can help you make the right financial decision.
Individual health insurance is a health insurance plan in India designed to cover one person’s medical needs, including hospitalisation, diagnostic tests, and treatment costs. It offers flexible health insurance coverage with cashless claims and pre and post hospitalisation expenses. It helps you choose the best health insurance plan while protecting you from high expenses incurred during emergencies.
Family health insurance plans is a single health insurance policy that covers your entire family under one plan, including spouse, children, and dependent parents. It provides complete health insurance coverage for hospitalisation, medical tests, and diagnostic tests. It helps reduce treatment costs with cashless claims and offers tax benefits under the Income Tax Act.
Senior citizens health insurance plans caters to people above the age of 60 and covers treatments for age related diseases, hospitalisation and diagnostic tests along with a cashless claims benefit, treatment etc. And protection against increasing medical costs while also considering the waiting period for pre-existing diseases.
Group health insurance is a health insurance plan usually provided by employers to cover employees and their dependents under one policy. It ensures equal health insurance coverage including hospitalisation and diagnostic tests, even for pre-existing diseases after waiting periods. It offers strong cashless claims and a better claim settlement ratio.
Critical illness insurance provides a lump sum payout when diagnosed with severe illnesses like cancer, heart attack, or stroke. It helps manage high treatment costs, income loss, and expenses incurred during recovery. Unlike regular health insurance plans, it gives financial flexibility for medical and personal needs.
Top-up health insurance is an additional health insurance plan that increases your coverage beyond your base policy at a lower premium. It activates when treatment costs exceed your limit, helping manage high hospitalisation bills. It strengthens your overall health insurance coverage for major medical emergencies.
Women health insurance in India is specifically designed plans for women which can meet a wide range of their specific health related needs which includes coverage like maternity care and other pregnancy related costs, reproduction health care, and screening for various tests and treatment. It comes with benefits and medical covers like hospitalisation, diagnostic services and both pre and post hospitalization services and these health insurance plans manage the increasing cost of medical treatment.
Government health insurance schemes in India have made healthcare affordable for the poor, elderly and economically backward sections of the society. Cashless treatment, hospitalization and access to health care is a major relief and helps in lowering healthcare expenses.
Ayushman Bharat Yojana is one of India’s largest government-funded health insurance schemes. It offers up to ₹5 lakh per family per year for hospitalisation and cashless treatment at empanelled hospitals.
Key benefits :
Mukhyamantri Amrutam Yojana is a Gujarat government health insurance scheme for economically weaker families. It covers hospitalisation, medicines, diagnostics, and treatment expenses.
Key benefits :
The Dr YSR Aarogyasri Health Scheme provides up to ₹5 lakh annual health coverage for eligible families in Andhra Pradesh, covering critical illnesses and surgeries.
Key benefits :
Ayushman Bharat Yojana is one of India’s largest government-funded health insurance schemes. It offers up to ₹5 lakh per family per year for hospitalisation and cashless treatment at empanelled hospitals.
Key benefits :
Mukhyamantri Amrutam Yojana is a Gujarat government health insurance scheme for economically weaker families. It covers hospitalisation, medicines, diagnostics, and treatment expenses.
Key benefits :
The Dr YSR Aarogyasri Health Scheme provides up to ₹5 lakh annual health coverage for eligible families in Andhra Pradesh, covering critical illnesses and surgeries.
Key benefits :
Before you compare health insurance plans and purchase a health insurance policy, it is important to check the basic eligibility conditions.
| Criteria | Specifications |
|---|---|
| Entry Age for Adults | 18 years onwards |
| Entry Age for Dependent Children | 90 days to 25 years |
| Maximum Entry Age | Varies by insurer (typically up to 65-80 years) |
| Pre-Medical Screening | Usually required above 45 / 55 / 60 years depending on the plan |
| Nationality | Indian residents and NRIs (subject to insurer terms) |
| Medical History Disclosure | Mandatory declaration of pre-existing diseases |
| KYC Documents Required | Aadhaar Card, PAN Card, Address Proof, Age Proof |
| Premium Payment Capacity | Based on selected sum insured and policy type |
At E-Insure First, we help you compare health insurance plans and choose the best health insurance plan in India with comprehensive coverage for modern healthcare needs. Our health insurance plans in India are designed to protect you from rising medical treatment costs and ensure financial security.
Covers room rent, ICU charges, nursing care, doctor consultation fees, medicines, and treatment costs during hospital admission.
Get coverage for diagnostic tests, doctor consultations, medicines, and expenses incurred before and after hospitalization.
Avail seamless cashless claims at network hospitals through trusted TPAs like FHPL, Vidal Health, Medi Assist, Paramount TPA, Heritage Health, and Health India TPA.
Covers medical procedures that do not require 24-hour hospitalization, including cataract surgery, dialysis, chemotherapy, and advanced diagnostics.
The best health insurance plans in India cover pre-existing diseases after completion of waiting periods as specified in the policy.
Receive a lump sum payout for serious illnesses such as cancer, heart attack, kidney failure, and stroke under specialized plans.
Secure your loved ones under a single sum insured with family health insurance plans, one of the most affordable options available today.
Specialized health insurance plans in India for parents and senior citizens covering age-related medical expenses and hospitalization.
Coverage for Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy treatments under approved healthcare facilities.
Free preventive health check-ups help monitor your health and detect illnesses early under selected best health insurance plans.
Coverage for ambulance charges and emergency medical transportation during critical situations.
When you buy health insurance online, you can avail tax benefits under the Income Tax Act under Section 80D for premiums paid.
While the best health insurance plans in India offer extensive protection, every health insurance policy has certain exclusions. Understanding what is not covered helps you compare health insurance plans better and avoid surprises during claim settlement.
Most health insurance plans in India do not cover pre-existing illnesses until the specified waiting periods for pre existing diseases are completed.
Expenses for cosmetic surgeries, beauty enhancements, hair transplant procedures, and non-medically necessary treatments are generally excluded.
Treatment expenses arising from self-harm, suicide attempts, or intentional injuries are not covered under standard health insurance coverage.
Injuries caused during high-risk adventure activities such as skydiving, mountaineering, racing, or paragliding are usually excluded.
Claims arising from participation in unlawful acts, criminal offenses, or intoxication-related incidents are not covered.
Medical expenses caused by war, invasion, terrorism-related events, nuclear hazards, or civil disturbances are excluded from most policies.
IVF, fertility treatments, surrogacy-related costs, and similar procedures are generally not included unless specifically mentioned.
Routine dental procedures, spectacles, contact lenses, and eye correction surgeries may not be covered unless added as benefits.
Medical tests or investigations not recommended by a registered medical practitioner are typically excluded.
Treatment methods lacking scientific validation or regulatory approval are usually outside standard health insurance coverage.
Regular outpatient consultations, medicines, and minor treatments are excluded unless your health insurance policy offers OPD cover.
Many health insurance plans apply a waiting period before maternity and newborn-related expenses become eligible.
Buying health insurance online through E-Insure First is quick, simple, and hassle-free. Follow these easy steps to choose the right health insurance policy for your needs:
Making a health insurance claim is simple and efficient when you follow the right steps. Here’s how you can ensure a smooth claim process with your insurer:
Tip: Choose insurers with the best claim settlement ratio in health insurance for a hassle-free claim experience.
Keep these documents ready:
Once you purchase a health insurance plan through E-Insure First, your insurer provides a digital health insurance policy card that contains important details such as your policy number, insured member information, coverage details, and insurer contact information.
This health card acts as proof of insurance and is useful when availing cashless treatment at network hospitals or during claim-related processes.
Visit your insurer’s official portal or mobile app
Log in using your registered email ID or mobile number
Navigate to the Policy Documents / Health Card section
Download and save your digital health card instantly
Print a physical copy for emergency use
Our experts at E-Insure First are here to assist you with policy access, downloads, and claim-related support.
Get Health Insurance AssistanceThe latest GST reduction in health insurance has brought major relief for policyholders. With 0% GST on health insurance premium, customers no longer have to pay additional tax on their medical insurance plans. This new GST update makes health insurance more affordable and encourages more people to secure financial protection.
The removal of GST on health insurance premiums in India directly lowers the total cost of buying a health insurance policy, allowing individuals and families to access better coverage at reduced prices.
| Scenario | Before GST Removal | After GST Exemption | Benefit to Policyholders |
|---|---|---|---|
| Health insurance premium of ₹40,000 | ₹40,000 + 18% GST = ₹47,200 | Pay only ₹40,000 | Save instantly on GST on medical insurance |
| Health insurance premium with ₹5,000 add-on | ₹45,000 + GST on insurance premium = ₹53,100 | Total payable ₹45,000 | Lower overall health insurance GST rate impact |
| Coverage upgrade within same budget | Higher GST on insurance reduced coverage options | Better policy at same budget | Access improved health insurance benefits |
With the E-Insure First Health Insurance premium calculator you can calculate your health insurance premium instantaneously, get an online comparison and select the most suitable plan for you. Our online health insurance premium calculator computes your premium according to your age, city, sum insured and medical history.
How to Use the Health Insurance Premium Calculator
A mediclaim policy in India is a type of health coverage that helps pay for hospitalisation expenses when a policyholder is admitted for medical treatment. It is designed to cover immediate healthcare costs and protect individuals from unexpected financial burdens during emergencies.
Mediclaim insurance mainly focuses on inpatient care and covers expenses such as:
For people looking for the best mediclaim policy in India, these plans offer essential financial support by reducing out-of-pocket medical expenses.
Whether you are purchasing an individual policy or searching for the best mediclaim policy for family in India, mediclaim ensures timely financial protection during medical emergencies.
While a mediclaim policy offers limited coverage compared to a comprehensive health insurance plan, it remains a practical choice for individuals seeking affordable medical security and basic healthcare protection.
Many people searching for mediclaim vs health insurance India often assume both are the same. However, they differ significantly in terms of coverage and benefits.
| Coverage Features | Mediclaim Policy | Health Insurance |
|---|---|---|
| Main Purpose | Covers hospitalisation expenses only | Offers broader healthcare protection |
| Hospital Room Charges | Covered | Covered |
| Doctor Consultation Fees | Covered during hospitalisation | Covered |
| Pre & Post Hospitalisation | Usually not covered | Covered |
| Day Care Procedures | Limited coverage | Covered |
| Preventive Health Checkups | Not included | Included |
| Critical Illness Benefits | Not available | Available |
| Home Healthcare Services | Not covered | Covered in many plans |
For families looking for broader protection, choosing the best family floater mediclaim policy in India under comprehensive health insurance can provide stronger financial security, wider medical coverage, and better long-term healthcare benefits.
What is Section 80D of Income Tax?
Section 80D of Income Tax Act allows taxpayers to claim deduction under Section 80D for health insurance premiums paid for self, family, and parents.
If you’re wondering what Section 80D is, it is a tax-saving provision that helps reduce your taxable income while ensuring financial protection through medical insurance.
Under Section 80D of Income Tax Act 1961, you can claim deductions for:
✔ Reduce taxable income legally
✔ Save tax while securing healthcare
✔ Extra deduction for senior citizen parents
✔ Additional preventive health check-up benefits
The maximum limit for Section 80D depends on who is insured:
| Covered Members | Maximum Deduction Allowed |
|---|---|
| Self, spouse, and dependent children | Up to ₹25,000 |
| Parents below 60 years | Additional ₹25,000 |
| Senior citizen parents (60+ years) | Up to ₹50,000 |
| Total deduction for family + senior citizen parents | Up to ₹75,000 |
| If both taxpayer and parents are senior citizens | Up to ₹1,00,000 |
The deduction available under Section 80D applies when premiums are paid through non-cash modes. However, preventive health check-up deduction under Section 80D (up to ₹5,000) can be paid in cash.
Any individual or HUF can claim tax saving under Section 80D while filing ITR. This includes medical insurance under Section 80D for family and Section 80D for senior citizens.
With E-Insure First, choose the right health insurance plan and maximize your income tax benefit under Section 80D while securing your family’s healthcare needs.
Talk to our Health Insurance Expert for personalised guidance.
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Choosing the right health insurance policy can be confusing with so many options available. At E-Insure First, we simplify the process by helping you compare the best health insurance plans in India and choose coverage that fits your healthcare needs and budget.
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