In this article, I am going to share the Best Mediclaim Policy in India so that you can select your health insurance plan based on its coverage, benefits, and premium.
With increasing inflation and expensive healthcare services, having a dependable mediclaim policy is a must for mitigating financial strain during a medical crisis.
I will review some of the trusted insurer’s policies that provide good mediclaim features, quick claim settlement, and extensive hospital networks.
Key Points & Best Mediclaim Policy In India List
| Insurance Plan | Key Points |
|---|---|
| HDFC ERGO | Comprehensive coverage with features like cashless network, unlimited reinstatement, maternity cover, and mental healthcare. |
| Care Health Insurance – Care Supreme | No-claim bonus up to 500%, annual health check-ups, unlimited automatic recharge of sum insured, and wide coverage. |
| Niva Bupa – ReAssure 2.0 | ReAssure benefit from 1st claim (unlimited reinstatement), booster benefit (up to 600% increase in SI), and customisable options. |
| ICICI Lombard – Complete Health Insurance | Lifetime renewability, wellness rewards, global cover in select plans, and optional maternity & OPD benefits. |
| Star Health – Family Health Optima | Single sum insured for the whole family, automatic restoration, newborn baby cover from day 1, and annual health check-ups. |
| Tata AIG – MediCare Premier / Plus | International coverage (for specific conditions), maternity benefits, wellness program, and restore benefits. |
| Bajaj Allianz – Health Guard (Family Floater / Critical Illness) | Covers maternity & newborn, critical illness rider, in-built wellness features, and fast claim settlement. |
| Aditya Birla – Active Health Enhanced / Diamond Plan | Chronic management program, health returns (rewards), unlimited reinstatement, and super wellness benefits. |
| New India Assurance – Mediclaim / Yuva Bharat | Government-backed PSU policy, affordable premiums, good for rural/semi-urban, includes AYUSH treatments. |
| Royal Sundaram – Lifeline Supreme | No sub-limits on room rent, international treatment for 11 critical illnesses, maternity & vaccination cover. |
10 Best Mediclaim Policy In India
1.HDFC ERGO
Considered one of the finest mediclaim policies in India, HDFC ERGO’s Optima Restore offers health coverage with features such as no-claim bonus of up to 50% annually, lifelong renewability, and restoration of sum insured up to 100% after the first claim.
The policy includes pre and post hospitalization expenses, organ donor expense, domiciliary treatment, and day-care procedures.
It provides great ease during medical emergencies since it has a vast cashless hospital network and effortless claims settlement. Optima Restore best suits individuals and families who want extensive protection along with numerous value-added benefits.
| Feature | Details |
|---|---|
| Sum Insured | ₹3 lakh to ₹50 lakh |
| Restore Benefit | 100% automatic restoration of SI once a year |
| No Claim Bonus | Up to 50% per year |
| Room Rent Limit | No cap |
| Pre & Post Hospitalization | 60 & 180 days |
| Day Care Procedures | All covered |
| Maternity Cover | Optional add-on |
| Cashless Network | 12,000+ hospitals |
| Renewal | Lifetime |
| Other Highlights | Mental health cover, organ donor expenses, AYUSH included |
2.Care Health Insurance Care Supreme
Care Supreme provides exceptional value with the recharge option set to automatic for unlimited recharges, reinstating the base sum insured multiple times within a policy year for both related and unrelated illnesses.
It also offers a cumulative bonus of 50% per year—with a max cap of 100%—and an optional super bonus where loyalty can increase bonus additions up to 500% even after multiple claims have been made.
Other features include no cost annual health checkup, e-consultation with general practitioners without limits, AYUSH coverage including organ donor care/domiciliary care/advanced treatments along with lifetime renewability.
These features together provide the insured with extensive protective measures along with significant growth opportunities and wellness support.
| Feature | Details |
|---|---|
| Sum Insured | ₹5 lakh to ₹1 crore |
| Recharge Benefit | Unlimited automatic recharge |
| No Claim Bonus | 50% per year up to 100% (or 500% with Super NCB) |
| Room Rent | No limit |
| Pre & Post Hospitalization | 60 & 180 days |
| OPD Benefits | Yes |
| Annual Health Check-ups | From Day 1 |
| AYUSH & Modern Treatment | Included |
| Cashless Network | 21,100+ hospitals |
| Wellness Benefits | Free e-consultations, fitness rewards |
3.Niva Bupa ReAssure 2.0
ReAssure 2.0 by Niva Bupa is receiving widespread acclaim as one of the most doctor’s recommended mediclaim policies in India due to its comprehensive long-term value and unique features.
With ReAssure Forever, your base sum insured gets restored after the first claim and can be used an unlimited number of times in the future.
The Lock the Clock feature saves money on costs by freezing entry-age premium rate till the first claim is made. The unused cover portion of the Booster+ benefit can be carried forward to 10 times the base sum insured over the years.
There is no room rent cap, the cover starts 2 hours post hospitalisation, there are annual health check-ups from day 1 and these are included. Under this program, the renewal premium can be discounted up to 30% depending on fitness activity.
| Feature | Details |
|---|---|
| Sum Insured | ₹5 lakh to ₹1 crore |
| ReAssure Benefit | Unlimited reinstatement from 1st claim |
| Booster+ | Up to 10x SI accumulation |
| Lock the Clock | Premium remains same until first claim |
| Health Check-ups | Annual, from Day 1 |
| Room Rent | No limit |
| OPD & AYUSH | Yes |
| Wellness Program | Up to 30% renewal discount |
| Cashless Network | 10,000+ hospitals |
| Other Perks | 2-hour hospitalization coverage |
4.ICICI Lombard Complete Health Insurance
ICICI Lombard’s Complete Health Insurance is a premium mediclaim policy providing extensive coverage with strong cashless support and useful add-ons. It offers no upper entry-age limit, lifetime renewability, and zero room-rent cap which adds flexibility.
The policy also provides annual resets of sum insured along with a bonus (10% of bonus sum insured for each claim-free year, capped at 50%).
AYUSH, pre/post-hospitalisation, day-care, and even COVID-19 claims are covered without co-payment. Also available as add-ons are free health check-ups, OPD reimbursement, donor cover, critical illness, maternity, and even global hospitalisation for high sum-insured holders.
Users often mention fast cashless claim settlement—“Within 5 hours, cashless claim went through” for major surgery—though some users report delays or disputes regarding pre-existing conditions. Its prompt service coupled with rich benefits make it one of the strongest health insurance plans in India.
| Feature | Details |
|---|---|
| Sum Insured | ₹2 lakh to ₹50 lakh |
| Restore Benefit | 100% reset once per policy year |
| No Claim Bonus | 10% per year up to 50% |
| Room Rent Limit | No limit |
| Global Cover | Optional |
| OPD & Maternity | Add-ons available |
| AYUSH Coverage | Yes |
| Health Check-ups | Free annually |
| Claim Process | Direct (no TPA) |
| Cashless Network | 7,500+ hospitals |
5.Star Health Family Health Optima
Star Health’s Family Health Optima is a family floater plan with single sum insured ranging from ₹3 lakh to ₹25 lakh. It also comes with 3x 100% automatic restoration per policy year, loyalty bonus up to 100%, and pre- (60 days) & post-hospitalisation (90 days) expenses coverage.
Additional coverage for AYUSH, organ donor, neonatal cover (from 16 days), assisted reproductive treatments, air and road ambulance services, and all daycare procedures are included.
The policy offers cashless hospitalization at more than 10,000 empanelled hospitals with direct claim settlement (no TPA involved) and free annual health check-ups. Lifelong renewability coupled with flexible entry of adults up to 65 years and children from 16 days makes it suitable for long-term family coverage.
| Feature | Details |
|---|---|
| Sum Insured | ₹1 lakh to ₹25 lakh |
| Restore Benefit | 3x 100% restoration |
| No Claim Bonus | Loyalty benefit up to 100% |
| Room Rent | No sub-limit |
| Newborn Cover | From Day 16 |
| Maternity | Covered after 2 years |
| Health Check-ups | Every year |
| AYUSH | Included |
| Cashless Network | 10,000+ hospitals |
| Other Benefits | Assisted reproductive treatment, air ambulance |
6.Tata AIG MediCare Premier / Medicare Plus
Tata AIG MediCare Premier’s top plan option, the “super top-up” Plus, covers up to ₹50 lakh or even ₹1 crore. Premier’s covers no room or ICU limits, automates yearly 100% sum insured restoration diagnostics for сбор.
OPD and dental as well as maternity, organ donor cover, high cost radiology, emergency air ambulance, and boarding for treatment overseas is also included in the premier plan.
MediCare Plus also provides aggregate deductible options, cumulative bonus up to 100%, cashless coverage in 8,000–11,000+ hospitals with lifetime renewability which is unique in its own way.
Customers appreciate the comprehensive global coverage, the dental and OPD допину and advanced care benefits, while a few mention complicated claims processing in Reddit threads.
| Feature | Details |
|---|---|
| Sum Insured | ₹3 lakh to ₹1 crore |
| Restore Benefit | 100% annual restoration |
| No Claim Bonus | Up to 100% |
| Global Cover | Available for select treatments |
| Maternity & OPD | Optional add-ons |
| Dental & Vision | Available in Premier |
| AYUSH Coverage | Yes |
| Health Check-ups | Annual |
| Cashless Network | 11,000+ hospitals |
| Other Benefits | Air ambulance, second opinion, modern treatments |
7.Bajaj Allianz Health Guard (Family Floater / Critical Illness)
Bajaj Allianz’s Health Guard Family Floater provides a flexible plan with silver, gold, and platinum tiers offering a sum insured of ₹1.5 lakhs to ₹1 crore. It has lifetime renewability, and at higher SI levels, there are no room rent caps.
Benefits include unlimited reinstatement, 20% recharge, cumulative bonus, maternity & newborn care, AYUSH treatment, ambulatory transport, 130 daycare procedures, and pre/post hospitalisation care.
Claims are paid in less than two hours on average for over 18,000 network hospitals, with a ~98% CSR. Bajaj Allianz’s standalone plan for critical illness covers major diseases enabling fast renewals, with a payout of up to ₹50 lakh. Although noted for quick claim payments, some users cite policy delivery delays and customer service issues through other channels.
| Feature | Details |
|---|---|
| Sum Insured | ₹1.5 lakh to ₹1 crore |
| Restore Benefit | Up to 20% recharge |
| No Claim Bonus | Up to 100% |
| Critical Illness Cover | Available as a separate plan |
| Room Rent | No limit (Gold & Platinum) |
| Maternity & Newborn | Covered |
| AYUSH Coverage | Yes |
| Health Check-ups | Free after 4 claim-free years |
| Cashless Network | 8,000+ hospitals |
| Other Perks | OPD, mental health, fast claim processing |
8.Aditya Birla Active Health Enhanced / Diamond Plan
Aditya Birla’s Activ Health Enhanced (also known as Activ Assure Diamond) combines good insurance coverage with wellness incentives. You can get back as HealthReturns™ up to 30% of your premium by achieving fitness goals.
It consists of automatic sum-insured reload (100-150%) for unrelated illnesses chronic care management for diabetes, hypertension, and asthma, second opinions for major illnesses, and personalized health coaching.
The plan has over 11,000 hospitals for cashless hospitalization, lifetime renewability, no room-rent limits at higher sum-insured levels, and enhanced benefits for greater coverage.
Users praise the rapid response times to service requests (‘cashless approval within 2 hours, 96% claim settlement ratio’) , but some reddit users voiced concerns over premium increases and PED listing issues.
| Feature | Details |
|---|---|
| Sum Insured | ₹2 lakh to ₹2 crore |
| Restore Benefit | 150% on exhaustion |
| No Claim Bonus | Up to 50% |
| HealthReturns™ | Earn up to 30% of premium as reward |
| Chronic Care | Managed for diabetes, asthma, etc. |
| Second Opinion | For major illnesses |
| Room Rent | No cap in higher plans |
| Cashless Network | 11,000+ hospitals |
| Health Coach | Included |
| Other Benefits | Wellness discounts, free annual check-ups |
9.New India Assurance Mediclaim / Yuva Bharat
New India Assurance’s Mediclaim Policy comes with a maximum coverage of ₹15 lakh per individual or on floater basis and offers lifetime renewals, government support, and a claim settlement ratio of ~98–99% .
With the addition of Yuva Bharat Health Policy (issued between age 18 and 45) adding a sum-insured between ₹5 to 50 lakh, auto sum insured reinstatement, three plan variants: base, gold and platinum.
Additional benefits include coverage for modern treatment, AYUSH, maternity, infertility, newborn cover, hazard sports, and air ambulance in higher tiers.
Customers appreciate these policies, especially the lack of pre-policy medical examinations and the family floater option up to 6 members.
Critics mention the delay in claims processing, especially for first time claimants over the initial period, compared to other private insurers irrespective of high settlement ratios.
| Feature | Details |
|---|---|
| Sum Insured | ₹1 lakh to ₹50 lakh |
| Restore Benefit | Available in Yuva Bharat (Platinum) |
| No Claim Bonus | 5% per year up to 50% |
| Room Rent | Limits apply (plan-dependent) |
| Maternity & Newborn | Covered in Yuva Bharat |
| AYUSH Treatment | Included |
| Pre & Post Hospitalization | 30 & 60 days |
| No Medicals | Up to age 50 (in most cases) |
| Cashless Network | 5,000+ hospitals |
| Key Advantage | PSU trust, affordable premiums |
10.Royal Sundaram Lifeline Supreme
Royal Sundaram Lifeline Supreme policy comes with a coverage of ₹5 lakh to ₹50 lakh with lifelong renewability. It has a no-claim bonus of up to 100% which is granted irrespective of claims made, and 100% restoration of sum-assured post depleting the sum insured.
The policy covers pre and post hospitalization expenses (60/90 days), day care treatments, ambulance services (up to ₹5,000), organ donor expenses, domiciliary nursing AYUSH treatments, annual check-ups, vaccination against rabies for animal bites, and evacuation within the country for medical reasons up to ₹1 lakh.
It also provides policyholders with a second opinion in the case of 11 critical illnesses. The policy has no room rent limites or co-payment, has a high claim settlemetn ratio of ~99.4 %, and covers more than 9000 hospitals which makes it suitable for comprehensive protection.
| Feature | Details |
|---|---|
| Sum Insured | ₹5 lakh to ₹50 lakh |
| Restore Benefit | 100% once per year |
| No Claim Bonus | Up to 100%, not reduced after claim |
| Room Rent | No cap |
| Health Check-ups | Annual |
| AYUSH & Modern Treatment | Yes |
| Organ Donor | Covered |
| Ambulance | ₹5,000 per hospitalization |
| Critical Illness Cover | Second opinion included |
| Cashless Network | 9,000+ hospitals |
Conclusion
In conclusion Claim settlement ratios suggest a good part of insurers like HDFC ERGO Optima Restore and Care Supreme have good reputation with ease of claiming policies while wellness benefits standing out as long term value adding perks.
Focus on repayment period, unlimited restoration, cashless transactions and premium value alongside others before making your policy choice. Compare carefully to make the right choice aligning your health and financial goals.
FAQ
What is a mediclaim policy?
A health insurance policy that covers hospitalization and medical expenses.
Which is the best mediclaim policy in India?
Top options include Niva Bupa ReAssure 2.0, HDFC ERGO Optima Restore, and Care Supreme.
Are pre-existing diseases covered?
Yes, after a waiting period (usually 2–4 years).
