Health insurance is among the smartest investment decisions to secure oneself and family for unforeseen medical expenses. Now, with the presence of so many health insurance companies in India, it can become confusing to select one.
If you are still confused, let’s get familiar with a quick and handy summary of health insurance companies in India:
1. Onsurity
and large enterprises. It’s unique in the way it assists firms to provide health cover to their staff despite having small teams and limited budgets.
Key features:
- Affordable and flexible health plans for teams of 3 people or more
- — no paperwork
- Covering doctor consultations, affordable medicines, and fitness benefits
- Covers full-time and part-time staff
2. Star Health and Allied Insurance
Star Health is one of the best for those seeking quality healthcare cover. It’s India’s one of the earliest standalone health insurers with an array of plans to choose from.
Highlights:
- No third-party agents — straightforward and convenient claim process
- Special schemes for senior citizens and individuals with specific diseases
- Wide hospital network
Suitable for: Families and senior citizens
3. HDFC ERGO Health Insurance
HDFC ERGO has the backing of HDFC Bank and offers quick services and good customer care.
Top features:
- Cashless treatments at more than 12,000 hospitals
- 24×7 helpline and online claim tracking
- Individual, family, and corporate plans
Suitable for: Individuals looking for quick service and tech-friendly options
4. Niva Bupa (Formerly Max Bupa)
Niva Bupa specializes in easy, family-oriented health insurance.
Top features:
- Maternity and newborn cover
- Direct claim settlements
- Free annual health check-ups
Suitable for: Young parents and expectant parents
5. ICICI Lombard General Insurance
A big brand in India’s insurance industry, ICICI Lombard provides extensive coverage and digital assistance.
Key benefits:
- Includes small (daycare) and big treatments
- Health rewards for exercise activities
- Easy mobile app for claims
Suitable for: Value-for-money users with a tech preference
6. Care Health Insurance
Care provides large cover amounts and value-added services such as second medical opinions.
Best features:
- Maximum ₹6 crore sum insured
- Covers AYUSH (Ayurveda, Yoga, etc.) treatments
- Wellness and recovery benefits
Suitable For: Families who want high coverage and holistic treatment
How to Select the Right Health Insurance Company
When selecting your health insurer, ask yourself:
- Do they have plans that meet my requirements and budget?
- Can I easily get support if I need to file a claim?
- Does it cover my favourite hospitals?
- Are there any additional health perks, such as check-ups or fitness discounts?
Final Thoughts
As a business owner, parent, or student, the appropriate health insurance can save money and worries. Insurers such as Onsurity are simplifying health benefits with ease, affordability, and digital first, which is ideal for today’s busy world. Take a deep breath, compare your options, and choose a provider that fits your life, not merely your wallet.
Onsurity is not a health insurance company. It is an insurtech company that provides employee health insurance and wellness benefits in the monthly plans.
