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10 Best Mediclaim Policy in India 2022

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The demand for health insurance has been rising. People recognise the fact that mediclaim benefits everyone. However, selection of the best mediclaim in India is not easy as numerous plans are available. This article seeks to solve this problem by providing information on the top 10 health insurance policies.

A Snapshot of the Best Mediclaim Policies in India

Your needs will influence the selection process. For instance, if you are looking for the best cashless mediclaim policy for family in India as opposed to an individual plan, your priorities will be different. Thus, before going through the following table, assess your needs.

Plan Sum Insured

Niva Bupa ReAssure

₹ 3 lakhs – ₹ 1 crore
Niva Bupa Health Premia ₹ 5 lakhs – ₹ 3 crore
Niva Bupa Health Companion ₹ 3 lakhs – ₹ 1 crore
Niva Bupa GoActive ™ Health Insurance ₹ 4 lakhs – ₹ 25 lakhs
Niva Bupa Super Saver ₹ 10.5 lakhs – ₹ 1 crore
Niva Bupa Senior First Health Insurance ₹ 5 lakhs – ₹ 25 lakhs
Aditya Birla Activ Health + Multiply Fit Combo ₹ 2 lakh – ₹ 2 crore
ICICI Lombard- Complete Health Insurance  ₹ 1 lakh – ₹ 50 lakh
HDFC ERGO My: Health Women Suraksha ₹ 3 lakh – ₹ 24 lakh
Care Youth Health Insurance ₹ 3 lakh – ₹ 25 lakh

A Brief Description of the Mediclaim Policies

Unique features of the plans are listed below:

Niva Bupa ReAssure Plan

With premiums starting from as low as ₹10,431 /year, this mediclaim plan offers holistic protection. It helps meet expenses from 60 days prior to hospitalisation to 180 days after discharge.

Niva Bupa Health Premia Plan

Its premiums start from ₹12,488 /year, with three variations: silver, gold, and platinum. Gold and Platinum versions provide protection even when you travel abroad, up to ₹30 Lakhs and ₹1 Cr, respectively.

Niva Bupa Health Companion Plan

Starting from just ₹5,116 /year, it treats admission of minimum 2 hours as hospitalisation. To meet daily expenditures, it provides hospital cash up to ₹4,000 per day. It is available as an individual and family floater mediclaim policy.

Niva Bupa GoActive ™ Health Insurance Plan

A maximum of 10 OPD consultations are covered annually, along with diagnostic tests up to ₹2500 per person. Moreover, if you obtain the policy by 35 years of age, you can avail a discount of 10%.

Niva Bupa Super Saver Plan

It is a highly cost-effective plan, offering no claim bonus of up to 200% of the base sum insured. You can also restore the policy amount up to 150% of the sum insured. The premium can be estimated using the online mediclaim calculator.

Niva Bupa Senior First Health Insurance Plan

It covers inpatient care, pre and post-hospitalisation expenses, domiciliary care, daycare procedures, ambulance charges, AYUSH treatment, modern treatment, organ donor expenses, etc. 

Aditya Birla Activ Health + Multiply Fit Combo

It is a 4-in-1 health insurance plan that integrates insurance, fitness, health and wellness benefits. By rewarding customers for achieving their fitness goals, it encourages the adoption of a healthy lifestyle.

ICICI Lombard- Complete Health Insurance Policy

With a high claim settlement ratio, it offers add-ons for daily cash, critical illness and donor expenses. In addition, a free-look period of 15 days is provided, and no co-payment is required.

HDFC ERGO My: Health Women Suraksha

Specifically designed for women’s health, this plan covers loss of job, reduced premium benefit, wellness benefits, cover for pregnancy complications, etc. All the women in a family can be included in a single policy.

Care Youth Health Insurance Plan

Keeping in mind the requirements of the younger population, it can include up to 6 members under the same plan. It does away with the condition of a pre-policy health checkup.


Now you have all the basic information about India’s top health insurance policies. But the selection must be made after thoroughly studying the details available on the respective companies’ websites. The best mediclaim company for you will depend on your specific requirements. For instance, Niva Bupa is an excellent choice if you want comprehensive coverage, affordable rates and hassle-free claim settlement.

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