Top Health Insurance Plans in India 2026

Top health insurance plans in India for 2026 deliver comprehensive coverage with innovative benefits like unlimited restoration and global access.

Families and individuals can secure financial protection against rising medical costs through these reliable policies from leading insurers.​

HDFC ERGO Optima Secure

Plan Name	HDFC ERGO Optima Secure
Key Features	4X coverage, Secure benefit from day 1
Sum Insured	Rs 3 Lakh to Rs 50 Lakh
Date Added	05-Dec-2025
Location	PAN India

Niva Bupa Health Recharge

Plan Name	Niva Bupa Health Recharge
Key Features	Unlimited teleconsultation, top-up plan
Sum Insured	Rs 2 Lakh to Rs 95 Lakh
Date Added	05-Dec-2025
Location	PAN India

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Star Super Star Health Plan

Plan Name	Star Super Star Health Plan
Key Features	Unlimited restoration, dental check-up
Sum Insured	Rs 5 Lakh to Unlimited
Date Added	05-Dec-2025
Location	PAN India

ICICI Lombard Health Shield 360

Plan Name	ICICI Lombard Health Shield 360
Key Features	Daycare surgeries, home health care
Sum Insured	Rs 75 Lakh to Rs 1 Crore
Date Added	05-Dec-2025
Location	PAN India

Top Health Insurance Plans: Care Supreme

Plan Name	Care Supreme
Key Features	High claim settlement, no room capping
Sum Insured	Rs 5 Lakh to Rs 1 Crore
Date Added	05-Dec-2025
Location	PAN India

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Aditya Birla Activ One MAX

Plan Name	Aditya Birla Activ One MAX
Key Features	Wellness rewards, chronic care
Sum Insured	Rs 3 Lakh to Rs 2 Crore
Date Added	05-Dec-2025
Location	PAN India

Top Health Insurance Plans: ManipalCigna Lifetime Health

Plan Name	ManipalCigna Lifetime Health
Key Features	Robotic surgery, premium waiver
Sum Insured	Rs 50 Lakh to Rs 3 Crore
Date Added	05-Dec-2025
Location	PAN India

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SBI Arogya Supreme

Plan Name	SBI Arogya Supreme
Key Features	HIV coverage, bariatric surgery
Sum Insured	Rs 3 Lakh to Rs 25 Lakh
Date Added	05-Dec-2025
Location	PAN India

HDFC ERGO Optima Restore

Plan Name	HDFC ERGO Optima Restore
Key Features	2X multiplier, health check-up
Sum Insured	Rs 3 Lakh to Rs 50 Lakh
Date Added	05-Dec-2025
Location	PAN India

Top Health Insurance Plans: Niva Bupa Senior First

Plan Name	Niva Bupa Senior First
Key Features	Domiciliary for seniors, 2 variants
Sum Insured	Rs 5 Lakh to Rs 25 Lakh
Date Added	05-Dec-2025
Location	PAN India

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Star Family Health Optima

Plan Name	Star Family Health Optima
Key Features	Sum insured recharge, air ambulance
Sum Insured	Rs 3 Lakh to Rs 25 Lakh
Date Added	05-Dec-2025
Location	PAN India

Top Health Insurance Plans: ICICI Lombard Elevate

Plan Name	ICICI Lombard Elevate
Key Features	Worldwide coverage, loyalty bonus
Sum Insured	Rs 7.5 Lakh to Rs 10 Crore
Date Added	05-Dec-2025
Location	PAN India

Raheja Health QuBE

Plan Name	Raheja Health QuBE
Key Features	4 variants, comprehensive hospitalization
Sum Insured	Rs 5 Lakh to Rs 1 Crore
Date Added	05-Dec-2025
Location	PAN India

Top Health Insurance Plans: Reliance Health Gain

Plan Name	Reliance Health Gain
Key Features	Customizable, new-age benefits
Sum Insured	Rs 3 Lakh to Rs 20 Lakh
Date Added	05-Dec-2025
Location	PAN India

Aditya Birla Active Assure Diamond

Plan Name	Aditya Birla Active Assure Diamond
Key Features	High network hospitals, COVID covered
Sum Insured	Up to Rs 2 Crore
Date Added	05-Dec-2025
Location	PAN India

Bajaj Allianz Health Guard

Plan Name	Bajaj Allianz Health Guard
Key Features	Wide hospital network, family floater
Sum Insured	Up to Rs 50 Lakh
Date Added	05-Dec-2025
Location	PAN India

Top Health Insurance Plans: Star Health Gain Insurance

Plan Name	Star Health Gain Insurance
Key Features	Flexible policy, daycare benefits
Sum Insured	Rs 1 Lakh to Rs 5 Lakh
Date Added	05-Dec-2025
Location	PAN India

Star Cardiac Care Platinum

Plan Name	Star Cardiac Care Platinum
Key Features	Renewal discount, cumulative bonus
Sum Insured	Rs 5 Lakh to Rs 15 Lakh
Date Added	05-Dec-2025
Location	PAN India

Top Health Insurance Plans: HDFC ERGO iCan Cancer Insurance

Plan Name	HDFC ERGO iCan Cancer Insurance
Key Features	All-stage cancer, cashless treatment
Sum Insured	Rs 5 Lakh to Rs 50 Lakh
Date Added	05-Dec-2025
Location	PAN India

ManipalCigna Prime Senior Elite

Plan Name	ManipalCigna Prime Senior Elite
Key Features	Unlimited restoration, tele-consultation
Sum Insured	Rs 3 Lakh to Rs 50 Lakh
Date Added	05-Dec-2025
Location	PAN India

Top Health Insurance Plans: SBI Arogya Top-Up

Plan Name	SBI Arogya Top-Up
Key Features	142 daycare procedures, enhances base
Sum Insured	Rs 1 Lakh to Rs 50 Lakh
Date Added	05-Dec-2025
Location	PAN India

Reliance Health Infinity

Plan Name	Reliance Health Infinity
Key Features	Global coverage, 26 months protection
Sum Insured	Rs 5 Lakh to Rs 5 Crore
Date Added	05-Dec-2025
Location	PAN India

GoDigit Super Care Policy

Plan Name	GoDigit Super Care Policy
Key Features	Affordable premiums, comprehensive care
Sum Insured	Rs 5 Lakh to Rs 20 Lakh
Date Added	05-Dec-2025
Location	PAN India

Star Diabetes Safe Policy

Plan Name	Star Diabetes Safe Policy
Key Features	Diabetes management, specialized cover
Sum Insured	Up to Rs 10 Lakh
Date Added	05-Dec-2025
Location	PAN India

Top Health Insurance Plans: HDFC ERGO My Health Medisure Super Top-up

Plan Name	HDFC ERGO My Health Medisure Super Top-up
Key Features	No medical tests up to 55, online discount
Sum Insured	Rs 3 Lakh to Rs 20 Lakh
Date Added	05-Dec-2025
Location	PAN India

HDFC ERGO My:Health Women Suraksha

Plan Name	HDFC ERGO My:Health Women Suraksha
Key Features	Women-specific, 41 critical illnesses
Sum Insured	Rs 1 Lakh to Rs 1 Crore
Date Added	05-Dec-2025
Location	PAN India

Niva Bupa ReAssure 2.0

Plan Name	Niva Bupa ReAssure 2.0
Key Features	Advanced restoration, family floater
Sum Insured	Rs 5 Lakh to Rs 1 Crore
Date Added	05-Dec-2025
Location	PAN India

Aditya Birla Activ Health

Plan Name	Aditya Birla Activ Health
Key Features	Fitness tracking, OPD coverage
Sum Insured	Rs 2 Lakh to Rs 50 Lakh
Date Added	05-Dec-2025
Location	PAN India

Reliance Hospi-Care Policy

Plan Name	Reliance Hospi-Care Policy
Key Features	Daily cash, renewal enhancement
Sum Insured	Rs 1 Lakh to Rs 10 Lakh
Date Added	05-Dec-2025
Location	PAN India