India’s health insurance sector has witnessed significant growth, with numerous companies offering diverse plans to cater to the varied needs of its populace. Selecting the right health insurance provider is crucial for ensuring comprehensive coverage and peace of mind. Below is an overview of the top 10 health insurance companies in India as of 2025, highlighting their key features and offerings.
1. Star Health & Allied Insurance Co. Ltd.
Established in 2006, Star Health & Allied Insurance has emerged as a leading standalone health insurance provider in India. With a vast network of over 14,000 hospitals, the company offers a range of health insurance plans tailored to individual and family needs. Notable features include cashless hospitalization, coverage for pre-existing diseases after a specified waiting period, and specialized plans for senior citizens. The company’s emphasis on customer-centric services and a high claim settlement ratio underscores its commitment to policyholders.
2. Care Health Insurance Ltd.
Formerly known as Religare Health Insurance, Care Health Insurance is renowned for its comprehensive health insurance solutions. The company provides a wide array of plans, including those covering critical illnesses, maternity benefits, and international travel insurance. Policyholders benefit from features such as annual health check-ups, no-claim bonuses, and access to an extensive network of over 11,400 hospitals. Care Health’s focus on preventive healthcare and wellness programs sets it apart in the industry.
3. Niva Bupa Health Insurance Co. Ltd.
A collaboration between Max India Limited and Bupa, a UK-based healthcare services expert, Niva Bupa Health Insurance (formerly Max Bupa Health Insurance) offers a range of health insurance products designed to cater to various customer segments. With a network of over 10,000 hospitals, the company ensures cashless treatment and hassle-free claim settlements. Key features include coverage for alternative treatments like AYUSH, no age restrictions on enrollment, and comprehensive family floater plans.
4. HDFC ERGO General Insurance Co. Ltd.
A joint venture between HDFC Ltd. and ERGO International AG, HDFC ERGO General Insurance offers a diverse portfolio of health insurance products. Their plans encompass individual health policies, family floaters, critical illness covers, and top-up policies. With a network of over 12,000 hospitals, policyholders can avail themselves of cashless treatment facilities. Additional benefits include wellness programs, preventive health check-ups, and a user-friendly digital interface for policy management.
5. ICICI Lombard General Insurance Co. Ltd.
ICICI Lombard is one of India’s leading private sector general insurance companies, offering a range of health insurance products. Their policies are designed to cover hospitalization expenses, day-care procedures, and critical illnesses. With a network of over 7,500 hospitals, ICICI Lombard ensures widespread accessibility for cashless treatments. The company is known for its efficient claim settlement process and value-added services like wellness programs and online health consultations.
6. Aditya Birla Health Insurance Co. Ltd.
Aditya Birla Health Insurance stands out for its focus on incentivizing healthy lifestyles among its policyholders. Their health insurance plans come with features like chronic management programs, wellness coaching, and rewards for maintaining good health. With access to over 11,000 network hospitals, policyholders can benefit from cashless hospitalization and a range of coverage options, including maternity benefits and international emergency assistance.
7. ManipalCigna Health Insurance Co. Ltd.
ManipalCigna Health Insurance offers a spectrum of health insurance products catering to individuals, families, and corporates. Their plans are known for comprehensive coverage, including in-patient hospitalization, day-care treatments, and critical illness coverage. With a network of over 8,700 hospitals, the company ensures extensive reach for cashless services. Additional benefits include health check-ups, wellness programs, and optional covers to enhance the policy scope.
8. Tata AIG General Insurance Co. Ltd.
A collaboration between Tata Group and American International Group (AIG), Tata AIG General Insurance offers a variety of health insurance plans. Their policies cover hospitalization expenses, critical illnesses, and specific diseases. With a network of over 10,000 hospitals, policyholders have ample options for cashless treatments. The company’s emphasis on customer service and a seamless claim process has earned it a reputable position in the market.
9. Go Digit General Insurance Ltd.
Known for its digital-first approach, Go Digit General Insurance offers simplified health insurance solutions. Their plans are designed to be easily understandable and come with features like coverage for alternative treatments, no age-based co-payment, and a wide network of over 16,400 hospitals for cashless services. The company’s user-friendly digital platform ensures a hassle-free experience for policy purchase and claim processing.
10. Reliance General Insurance Co. Ltd.
A subsidiary of Reliance Capital, Reliance General Insurance provides a range of health insurance products catering to diverse customer needs. Their policies offer coverage for hospitalization, critical illnesses, and specific ailments. With a network of over 9,100 hospitals, the company ensures accessibility to cashless treatment facilities. Additional benefits include wellness programs, discounts on premium for claim-free years, and a straightforward claim settlement process.
When selecting a health insurance provider, it’s essential to assess factors such as claim settlement ratios, network hospital coverage, policy features, and customer service quality. The companies listed above have demonstrated a strong commitment to these aspects, making them some of the top choices in India’s health insurance landscape as of 2025.