You can earn more than 1 Crore By investing in Terms insurance whose Monthly fees may be as low as Rs 500. Similarly ,there are many health insurance companies in India which are offering a wide range of health insurance plans to cater to different health insurance requirements of different people, which saves lacs of your money every time you go in hospital . Through its various offers, every health insurance company tries to provide its customers with a variety of features and benefits. It can be difficult to find or choose the best health insurance company on whom you can completely trust for all of your health insurance needs. While looking for a health insurance policy one question comes to every person’s mind which is the best health insurance company in India to whom we can buy the best health insurance plan. So below, we have listed some of the top health insurance companies in India.
8 Best Health Insurance Companies in India 2022
Here we listed out of 8 best health insurance companies in India for 2022 you should know about:-
- Bharti AXA General Insurance Company Ltd
- Tata AIG
- AEGON Life
- HDFC Ergo Health
- ICICI Lombard
- Star Health Insurance
- Niva Bupa (Formerly known as Max Bupa)
- Future Generali
Based on the above factors, let’s take an in-depth look at the top best health insurance companies in India as mentioned below:-
1. Bharti AXA General Insurance Company Ltd
Bharati AXA General Insurance Company is one of the most prominent and top health insurance companies in India. It is a joint venture between Bharti Enterprises (leading Indian business corporation) and AXA Group of France (a leader in financial protection and wealth management). The company was formed in 2008.
The company offers all kinds of general insurance products to individuals and businesses; health, group health, life, and vehicle. Bharati AXA also offers some of the best online health insurance policies. It has around 60 corporate branch offices across the country.
It is the first Indian insurance company to receive the ISO 9001:2008 and ISO 27001:2005 certifications in its first year of operation. This validates the company’s efficiency, reliability, and commitment. It has a transparent, fair, and seamless claim settlement procedure. Moreover, it has a proven track record of high claim settlement ratio history, with 98.27% in 2018-19.
The company offers a range of health insurance plans:
- Bharti AXA Smart Health Assure Insurance Policy
- Bharti AXA Smart Super Health Insurance Policy
- Bharti AXA Smart Health Critical Illness Insurance Plan
- Bharti AXA Smart Personal Accident Insurance Plan
2. Tata AIG
One of the largest health insurers in India, Tata AIG General Insurance Company Limited is a joint venture between the reputed Tata Group and American International Group (a finance and insurance company). The company started operations in 2001 and provides personal and business insurance plans.
The company has an average of 95% claim settlement ratio overall. Tata AIG offers a wide range of plans designed for families, women, seniors, critical illnesses and more. The company also allows customers to buy online health insurance at highly affordable premiums. Take a look at some of the top health insurance plans by Tata AIG:
- Tata AIG MediCare
- Tata AIG MediCare Premier
- Tata AIG MediCare Protect
- Wellsurance Executive
- MediSenior
- Wellsurance Woman
- Wellsurance Family
- Critical Illness Policy
3. AEGON Life
AEGON Insurance is a joint venture between AEGON Life (a leading Dutch financial services provider) and Bennett, Coleman & Company (publishers of Times of India). The company that started in 2008 is one of the most-awarded insurance companies in India.
It has had a consistent claim settlement ratio, which was 95.67% in 2017-18. The company offers various kinds of health insurance plans, as below:
- Critical Illness Health Plan
- iCancer Plan
- Senior Citizen Health Plan
- Surgical Cash Benefit Policy
- Mico-insurance Policy
- Unit-linked health plans
4. HDFC Ergo Health
A joint venture between HDFC Ltd. and Ergo International AG, HDFC Ergo is the 4th largest private sector general insurance company. The company offers a comprehensive range of health insurance products and has a claim settlement ratio of 90.32%.
It has won many prestigious awards for delivering outstanding customer experience such as the 2016 Best Customer Experience Award of the Year. It has also been given the ‘iAAA’ rating by ICRA for its high claim paying ability.
The company offers dedicated health plans for individuals, family and parents. Some of the company’s health insurance plans are:
- Health Medisure Classic
- Health Suraksha Top-up
- Health Medisure Top-up
- Critical Illness insurance
- Women Health Insurance
5. ICICI Lombard
ICICI Lombard was founded in 2001 as a joint venture between ICICI Bank and Fairfax Financial Holdings, a Toronto-based financial services company. The company is among the largest general insurance companies in India. It also offers online health insurance to make the customer experience more flexible and convenient.
It is also one of the top health insurance companies because of its phenomenal claim settlement experience. The company has had a steady average claim settlement ratio of around 99.87%.
Among its key health insurance products are:
- Complete Health Insurance
- Health Booster
- Personal Protect
- Disease Management Program
- Aarogya Sanjeevani Policy
6. Star Health Insurance
Star Health Insurance boasts a leading position being one of the largest insurance companies in India. Formed by Star Health and Allied Insurance Co. Ltd., its operations started in 2006. It has covered over 16.9 crores lives since inception and manages over INR 17,211 crores worth of assets. It is inarguably one of the fastest growing and prominent insurance providers in the country.
Among its range of unique Mediclaim policies, and health insurance plans, is a specialty policy – Star Cardiac Care, making it the first insurance company to offer a plan specially designed for people suffering from cardiac ailments. Star Health is one of the best health insurance companies when it comes to claiming settlements. The company’s incurred claims settlement ratio is 61.76%. It is also known for settling over 90% cashless claims with an average settlement time of less than 2 hours.
Here are more plans offered by Star Health Insurance:
- Senior Citizens Red Carpet Health Insurance Plan
- Star Comprehensive Insurance Policy
- Super Surplus Insurance Policy
- Family Health Optima Insurance Plan
- Medi-Classic Insurance Policy (individual)
- Star Health Gain Insurance Policy
7. Niva Bupa (Formerly known as Max Bupa)
A joint venture between Max Group and Bupa, a leading healthcare provider with over six decades of experience, Max Bupa came into being in 2010. The company’s claim settlement ratio for 2018-19 was 89%.
Max Bupa has built a network of 21 offices across the country. It also has a network of over 34,000 agents and a large network of hospitals that provide cashless treatments. It delivers exemplary claim settlement experiences and boasts of settling down 9 out of 10 cashless claims in less than 30 minutes. The company offers a comprehensive range of plans for individuals and families.
- Health Premia
- Health Companion
- GoActive
- HeartBeat
- Health Pulse
- Accident Care
8. Future Generali
The coming together of the Future Group and Generali in 2007, Future Generali India offers a wide and unique range of health insurance plans as demonstrated on its website. It boasts a vast product portfolio that caters to the diverse needs of a wide range of customers. Its customer-centric approach makes it one of the best health insurance companies in India. The company’s claim settlement ratio is 96.95%.
Some of its health plans:
- Health Total – Mediclaim Insurance
- Future Vector Care – Mosquito Insurance
- Future Hopicash – Hospital Cash
- Aarogya Sanjeevani Policy
- Future Criticare – Critical Illness
- Future Health Surplus – Top Up
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