Compare Health Insurance in India

Compare health insurance plans across top insurers. Explore features, waiting periods, coverage limits, and more.

20 plans

Updated: 2026-04-14

Official data

Plans with a verified UIN

The IRDAI Unique Identification Number of each plan below was read from the insurer's own product page. See the full product & UIN directory.

Plans with a verified IRDAI UIN
Plan	Insurer	UIN	Updated
Arogya Premier Policy	SBI General Insurance	SBIHLIP22136V032122	19 September 2026
Digit Health Care Plus	Go Digit General Insurance Limited	GODHLIP25037V042425	16 September 2026
IndusInd Health Gain 3.0	IndusInd General Insurance	INIHLIP26040V042526	19 September 2026
ManipalCigna Sarvah	ManipalCigna Health Insurance	MCIHLIP27040V032627	16 September 2026
National Parivar Mediclaim Plus Policy (Floater Policy)	National Insurance Company Limited	NICHLIP25039V032425	19 September 2026
Optima Secure	HDFC ERGO General Insurance Company Limited	HDFHLIP26058V082526	16 September 2026
TATA AIG MediCare Select	TATA AIG General Insurance Company Limited	TATHLIP25051V012425	16 September 2026

Last updated: 19 September 2026

Source: SBI General Insurance official website, Go Digit official website, IndusInd General Insurance official website, ManipalCigna official website, National Insurance Company Limited official website, HDFC ERGO official website, Tata AIG official website — each value above links to the exact page it was read from.

Tables marked “official data” reproduce what the cited source states. WorldBestInsurer compiles this information independently and is not affiliated with IRDAI, the Government of India, or any insurer. Confirm details with the insurer before you buy.

Educational Information Only

Data collected from publicly available sources for educational and informational purposes only. Premium figures are illustrative and sourced from public insurer calculators/brochures. Actual premiums may vary. Please verify all details with the insurer directly before making any decision.

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Side-by-Side Comparison

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Feature	HDFC ERGO Optima SecureNeeds review · 2026-04-03	Niva Bupa ReAssure 2.0Needs review · 2026-04-03	Care Health Care SupremeNeeds review · 2026-04-03
Cover range	₹5L – ₹1Cr	₹5L – ₹1Cr	₹5L – ₹1Cr
Premium*	₹12K – ₹18K/yr	₹11K – ₹16K/yr	₹10K – ₹15K/yr
Entry age	18 – 65 yrs	18 – 65 yrs	18 – 65 yrs
Claim ratio	—	—	—
Renewability	Lifelong	Lifelong	Lifelong
Initial wait	30 days	30 days	30 days
PED wait	36 months	36 months	36 months
Network hospitals	13K+	10K+	22K+
Riders	Critical Illness Personal Accident OPD Cover	Maternity Cover OPD Cover Critical Illness	Personal Accident Critical Illness
	Details	Details	Details

*Premiums are illustrative only, sourced from publicly available data. Actual premiums vary by individual. World Best Insurer does not sell insurance. Verify with the insurer directly.

All Health Insurance Plans in India

HDFC ERGO

Optima Secure

high

Cover

₹5L – ₹1Cr

Premium*

₹12K/yr

18–65 yrs

2X Sum Insured from Day 1
100% Auto-Restore
No Room Rent Limits