Best Health Insurance Companies 2024

Having the best health insurance companies in 2024 is essential for controlling medical costs. Pre- and post-hospitalization charges, diagnostic test and scan prices, and hospital expenditures are all covered by health insurance policies. Additionally, it safeguards your entire family during the worst of times. Because of this, purchasing a health plan is thought to be among the best financial decisions that a person with a salary can make.

Nonetheless, it can take some time and effort to choose the best health insurance plan with the abundance of options available today. Forbes Advisor India selected the best and most advantageous health policies after analyzing forty-five of them. The list includes some of the greatest health insurance plans available in India.


If you’re new to insurance, we highly recommend you check out our health insurance guide for beginners.

Now, we have compiled this list using two broad criteria.

The first is our evaluation of the insurance provider offering a certain policy. Any business can offer a health insurance plan with features that sound fantastic on paper. However, the benefits of the product are ultimately of little use if customers are having difficulties purchasing the policy, filing a claim, or resolving concerns. Thus, in order to assess each health insurance provider in India, we have taken into account a number of operational and financial parameters, including track records, solvency ratios, and claim settlement numbers.

Top Health Insurance Companies

Care Health Insurance

ManipalCigna Health Insurance Company Limited 

Niva Bupa

Bajaj Allianz


Reliance General Insurance

Aditya Birla Health Insurance Co. Limited

Acko General Insurance

Kotak Mahindra General Insurance

Factors to Consider When Choosing a Health Insurance Company

Coverage Options

Ensure the plan covers the medical services you need, including preventive care, specialist visits, and prescriptions.

Cost and Affordability

Evaluate the total cost, including premiums, deductibles, copayments, and out-of-pocket maximums.

Network of Doctors and Hospitals

Check if your preferred doctors and hospitals are in-network to avoid additional costs.

Customer Service

Consider the company’s reputation for customer service and ease of dealing with claims and inquiries.

How to Get the Best Deal on Health Insurance

Comparing Plans

Use online comparison tools to evaluate different plans and their benefits side by side.

Negotiating Premiums

Some insurers may offer discounts or reduced premiums if you demonstrate good health or participate in wellness programs.

Using Discounts and Subsidies

Look for available subsidies through government programs or employer-sponsored discounts to reduce costs.