Why get health insurance in 2025?
Health is wealth. And a health emergency can come up anytime, anywhere. In such situations, the expenses can easily skyrocket.
Today, many Indian health insurances are available so that you don’t have to worry about any healthcare expenses. Let’s explore the top 5 health insurances in India based on coverage, benefits, ratings, and claim settlement ratio.
1. Bajaj Finserv Health Insurance
Rating: ⭐⭐⭐⭐☆
Key Benefit: Tax Benefit Under Sec 80D
Overview: Bajaj Finserv’s health insurance offers health coverage from 3 lakhs to 50 lakhs. There is also a tax benefit under Sec 80D.
Review: Bajaj Finserv’s health insurance offers tax benefits, cashless treatments and comprehensive coverage up to 50 lakhs. But its plans also have high premiums, in comparison to competitors.
Pros:
Tax benefit
Cashless treatment
Cons:
High premium
2. Reliance General Health Infinity
Rating: ⭐⭐⭐⭐⭐
Key Benefit: Lifetime renewability
Overview: Reliance General’s Health Infinity Insurance has coverage up to 5 crores and also lifetime renewability.
Review: Reliance General’s Health Infinity Insurance is the best Indian health insurance today, thanks to a wide network of hospitals and lifetime renewability. It also provides bonuses and discounts in claim-free years. Its only drawback is the long waiting period.
Pros:
Lifetime renewability
Cumulative bonuses
Cashless services at many hospitals
Cons:
Long waiting period
3. Aditya Birla Capital’s Activ One Health Plan
Rating: ⭐⭐⭐⭐☆
Key Benefit: No capping on hospitalisation expenses
Overview: Aditya Birla Capital’s Activ One Health Plan stands out due to its ‘No capping on hospitalisation expenses’ policy. It also shares discounts and incentives with policyholders who maintain good health through the HealthReturns programme.
Review: The terms and conditions of Aditya Birla Capital’s Activ One Health Plan are quite complicated. However, the HealthReturns programme and the ‘No capping on hospitalisation expenses’ policy work in its favour.
Pros:
No capping on hospitalisation expenses
Lucrative HealthReturns programme
Cons:
Complicated terms and conditions
4. Care Health Insurance
Rating: ⭐⭐⭐☆☆
Key Benefit: 24/7 claim and customer support
Overview: Care’s health insurance has a lot in its favour, such as 24/7 claim and customer support and comprehensive coverage up to 6 crores.
Review: 24/7 claim and customer support and flexible plans are some of the good things about Care’s health insurance. But it also has a long claim settlement process. It’s also not very credible compared to other health insurance brands.
Pros:
24/7 claim and customer support
Flexible plans
Cashless hospitalisation at some places
Cons:
Long claim settlement process
Lack of credibility
Quick Summary: Best Health Insurance in India for 2025
Looking for the best health insurance in India for 2025?
Here are the top 5 providers:
Bajaj Finserv: tax benefits and cashless treatments
Reliance General: lifetime renewability and wide network of hospitals
Aditya Birla Capital: HealthReturns programme
Care Health Insurance: 24/7 support and coverage up to 6 crores
HDFC Ergo: Customisable plans and high claim settlement ratio