10 Best Health Insurance Companies in India

Each and every year IRDA or Insurance Regulatory and Development Authority of India presents a list of companies which provides health insurance. To rate an Insurance company, there has to have some important features which become the basis of rating. The important features include the overall benefit offered to the customer, their performances, and incurred claim ratio. Now we’re going to list the top 10 health insurance companies in India which will help you get a better flow of understanding.

                  Top 10 Health Insurance Companies in India

  • Apollo Munich Health Insurance Company Limited:

It had an excellent history of incurred claim ratio of 63.03% of the budgetary year 2014 to 2015. It has also brought supplementary conveniences such as life-long renewability options and portability for its prevailing health insurance plans.


  • Restore Insurance Plan
  • Easy Health Premium Plan
  • Vital Insurance Plan
  • Senior Insurance Plan
  • Plus, Insurance Plan

Address: 11, RDB Blvd, GP Block, Sector V, Salt Lake City, Kolkata, West Bengal 700106

Phone:  033 4016 8444

Email: customerservice@apollomunichinsurance.com

Website: http://www.apollomunichinsurance.com

  • Star Health & Allied Insurance Company Limited:

It has an astounding history of incurred claim ratio 63.96% for the budgetary year of 2014 to 2015. The company also houses an in-house claim settlement for the sole purpose of dealing with without cash hospitalization functionality. It has also come up with a wide range of arsenal of exciting products that offer protection against HIV+ patients and Diabetes.


  • Optima Insurance
  • Senior Citizens Red Carpet Insurance
  • Comprehensive Insurance
  • MediClassic Insurance
  • Health Gain Insurance

Address: Star Health & Allied Insurance Co. Ltd,

No.1, New Tank Street, Valluvarkottam High Road,


Chennai – 600 034

 Phone:  1800-425-2255 / 1800-102-4477


Website: https://www.starhealth.in

  • Max Bupa Health Insurance Company Limited

It is one of the best and most acclaimed health insurance companies in India. It had an incurred claim ratio of 55.16% for the budgetary year 2014 to 2015. This company offers health insurance policies to people of all age groups.


  • Oriental Individual Mediclaim Plan
  • Oriental Happy Family Floater Plan
  • Oriental Overseas Mediclaim Plan
  • Oriental Group Mediclaim Plan
  • Jan Arogya Plan

Address: Max Bupa Health Insurance Company Limited,
B-1/I-2, Mohan Cooperative Industrial Estate,
Mathura Road, New Delhi-110044

Phone: 1800-3010-3333

 Email: customercare@maxbupa.com

Website: https://www.maxbupa.com

  • ICICI Lombard General Insurance Company Limited

It is one of the most popular services offered by ICICI Lombard General Insurance which offers total coverage of expenses which incurred during a medical surgery. Furthermore, it also covers most of the costs of room rent, ambulance charges, dental expenses and hospitalization. It had incurred claim ratio of 87.38% for the budgetary year 2014 to 2015.


  • Motor insurance
  • Health insurance
  • Travel insurance
  • Home insurance

Address: ICICI Lombard House

414, P. Balu Marg,
Off Veer Sawarkar Marg,

near Siddhivinayak Temple, Prabhadevi


Phone: 1800 2666

Email: customersupport@icicilombard.com

Website: https://www.icicilombard.com

  • Religare Health Insurance Company Limited

It saw a tremendous growth within a short period of time, therefore, setting a criterion for the Indian insurance market. It had incurred claim ratio of 61.13% for the budgetary year 2014 to 2015. Fortis hospitals have been frequently appreciating and promoting Religare Health Insurance Company.


  • Care health insurance plan
  • Joy Maternity Focus insurance plan
  • Enhance top-up insurance for already insured
  • Assured critical illness benefit plan
  • Secure personal accident insurance

Address: Vipul Tech Square, Tower C, 3rd Floor,
Sector – 43, Golf Course Road, Gurgaon – 122009

Phone: 1860 500 4488

Email: customerfirst@religarehealthinsurance.com

Website: https://www.religarehealthinsurance.com/

  • Cigna TTK Health Insurance Company Limited

Since it was released in 2014, this health insurance company is relatively a new player in the Indian insurance market. As soon as it launched, it fell into the category of being one of the best health insurance companies based in India. It’s incurred claim ratio for the budgetary year 2014 to 2015 was 64.32%.


  • Pro-health protect plan
  • Critical illness insurance
  • International Health Insurance
  • Cigna TTK lifestyle protection-accident care plan
  • Pro-health cash

Address: 401/402, Raheja Titanium, Western Express Highway, Goregaon (East),

Phone: 1800-10-24462

Email: customercare@cignattk.in

 Website: https://www.cignattkinsurance.in

  • Bajaj Allianz General Insurance Company Limited

They house some health products and services which are very crucial as well as beneficial for customers from a very specific age group. Primarily, they offer three insurance products such as Silver Health, Health Guard, and Star Package. It’s incurred claim ratio is 73.59% for the budgetary year 2014 to 2015.


  • Guard individual policy
  • Guard family floater option
  • Extra care health plan
  • Premium personal guard policy
  • Critical illness health Insurance plan

Address: Depends on the location. You can use their websites branch locator for branches near you.

Phone: 1800 209 5858

Email: customercare@bajajallianz.co.in

Website: https://www.bajajallianz.com

  • New India Assurance Company Limited

It is a fully owned government entity belonging to the Government of India. It started its operations in 1919. Mediclaim policy made this company popular. It provides an insurance policy that gives different ratings for different major metropolitan cities. It had incurred claim ratio of 98.78% for the budgetary year of 2014 to 2015.


  • New India top up mediclaim policy
  • New India Floater mediclaim policy
  • New India Asha Kiran policy
  • Mediclaim 2012 policy
  • PravasiBharatiyaBimaYajona Policy

Address: Can be easily located using the “Locate Us” function on their website.

Phone: 1800-209-1415

Email: customercare.ho@newindia.co.in

Website: https://www.newindia.co.in

  • Oriental Insurance Company Limited:

It is also a government-owned health insurance company that offers a wide arsenal of health insurance products and services in India. It doesn’t require a pre-policy medical test up to the age of 60 years and it’s an impressive feat not undertook by any other health insurance company. It’s incurred claim ratio is at 117.02% for the budgetary year of 2014 to 2015.


  • Individual medical plan
  • Happy family floater plan
  • Overseas medical plan
  • Group medical plan
  • Jan arogya plan

Address: Oriental House, A-25/27, Asaf Ali Road,

New Delhi – 110002

Phone No: 011-43659595

CIN: U66010DL1947GOI007158

Phone: 1800118485

Email: portal.support@orientalinsurance.co.in

Website: https://orientalinsurance.org.in

  • National Insurance Company Limited

It is also a fully governmental owned entity. It has been serving its customers for more than a hundred years and also provides full health coverage. It had incurred claim ratio of 110.02% for the budgetary year of 2014 to 2015. VaristhaMediclaim is the best Health product which is offered by National General Insurance Company.


  • Overseas Medical Business and Holiday Policy
  • National Insurance Parivar Mediclaim Policy
  • National Insurance Parivar Mediclaim Plus Policy
  • Overseas Medical Employment and Studies Policy
  • National Insurance Mediclaim Plus Policy

Address: 3, Middleton Street,
Prafulla Chandra SenSarani,
Kolkata, West Bengal, 700071.

Phone: 1800 200 7710

Email: N.A

Website: www.nationalinsuranceindia.nic.co.in

  • Future Generali India Insurance Company Ltd

Future Generali India Insurance Company Limited is a joint venture between Future Group – the game changers in Retail Trade in India and Generali – a 187 years old global insurance group featuring among the world’s 60 largest companies*. The company was incorporated in September 2007 with the objective of providing retail, commercial, personal and rural insurance solutions to individuals and corporates to help them manage and mitigate risks. Future Generali India has been serving the customers by leveraging upon its global Insurance expertise in diverse classes of products of Generali Group and the Indian retail game changers Future Group. Having firmly established its credentials in this segment and effectively leveraging on the skill set of both its JV partners, Future Generali India has evolved to become a Total Insurance Solutions Company.


  • Health Insurance
  • Personal Accident
  • Hospital Cash
  • Travel Insurance
  • Student Travel
  • Motor Insurance
  • Home Insurance
  • Lifestyle Insurance
  • Commercial insurance
  • Social/Rural Insurance

Address: 6th Floor, Tower 3, Senapati Bapat Marg, Elphinstone Road, Prabhadevi (W), Mumbai – 400 013.

Phone: 1860 500 3333 / 1800 220 233

Email: fgcare@futuregenerali.in

Website: https://general.futuregenerali.in

  • IFFCO Tokio General Insurance Company Limited

IFFCO-Tokio General Insurance was incorporated on 4th December 2000 with a vision of being industry leader by building customer satisfaction through fairness, transparency, and quick response. It is a joint venture between the Indian Farmers Fertilizer Co-operative (IFFCO) and its associates and Tokio Marine and Nichido Fire Group which is also the largest listed insurance group in Japan.


  • Motor Insurance
  • Health Insurance
  • Travel Insurance
  • Home Insurance
  • Trade Suvidha Policy
  • Business Products
  • Micro & Rural Insurance
  • Specialty Insurance


Phone: 1-800-103-5499, (0124) 428 5499

Email: websupport@iffcotokio.co.in

Website: https://www.iffcotokio.co.in

  • Reliance General Insurance

Reliance General Insurance is an Indian private insurance company. It is a part of Reliance Group. The Gross Written Premium for the year ended 31 March 2017, was at ₹4,007 crores with a distribution, We feel proud to be one of the leading general insurance companies of India. We have a huge customer base which includes individuals like you, corporates and SMEs. With our 139 offices and more than 26,587 intermediaries across India, you can now reach out to us and enjoy our services at your own convenience. Moreover, with online & telecalling services, we have become even more accessible.


  • Motor Insurance
  • Travel Insurance Products
  • Home Insurance
  • Office Insurance
  • Health Insurance
  • Fire Insurance
  • Engineering Insurance
  • Marine Insurance
  • Liability Insurance
  • Package Insurance

Address: Unit, 301-302, Corporate House RNT Marg, Opp. Jhabua Tower, Indore, Madhya Pradesh, India – 452001

Phone: 1800 3009

Email: rgicl.services@relianceada.com

Website: https://www.reliancegeneral.co.in

  • United India Insurance Co Ltd

United India Insurance Company Limited was incorporated as a Company on 18th February 1938. General Insurance Business in India was nationalized in 1972. 12 Indian Insurance Companies, 4 Cooperative Insurance Societies and Indian operations of 5 Foreign Insurers, besides General Insurance operations of southern region of Life Insurance Corporation of India were merged with United India Insurance Company Limited. After Nationalization United India has grown by leaps and bounds and has 18300 work force spread across 1340 offices providing insurance cover to more than 1 Crore policy holders. The Company has variety of insurance products to provide insurance cover from bullock carts to satellites.


  • Motor Insurance
  • Travel Insurance Products
  • Home Insurance
  • Office Insurance
  • Health Insurance
  • Fire Insurance

Address: 24, Whites Road, Chennai – 600014

Phone: 91-044-28520161

Email: customercare@uiic.co.in

Website: https://uiic.co.in

  • Royal Sundaram General Insurance

Royal Sundaram General Insurance Co. Limited (formerly known as Royal Sundaram Alliance Insurance Company Limited), a subsidiary of Sundaram Finance, is the first private sector general insurance company in India to be licensed in October 2000 by the Insurance Regulatory and Development Authority of India. The company was initially promoted as a joint venture between Sundaram Finance, one of the most respected non-banking financial institutions (NBFCs) in India and Royal & SunAlliance Insurance plc, UK, one of the oldest general insurer in the UK. In July 2015, Sundaram Finance acquired the 26% equity holding from Royal & SunAlliance Insurance plc. Consequently, the entire 100% equity holding is now held by Sundaram Finance (75.90%) and other Indian Shareholders (24.10%).


  • Motor Insurance
  • Travel Insurance Products
  • Home Insurance
  • Office Insurance
  • Health Insurance

Address: No.21,Patullos Road,Chennai – 600 002

Phone: 094444 48899, 1860 425 0000

Email: customer.services@royalsundaram.in

Website: https://www.royalsundaram.in

  • Tata AIG General Insurance Company Limited

Tata AIG General Insurance Company Limited is a joint venture between the Tata Group and the American International Group (AIG). Tata AIG General Insurance Company Limited celebrated 16 years of service this year (2016) since it commenced operations on January 22, 2001. The company has made a mark in the industry by launching several innovative products and services over the years. Under its two main business verticals ie Consumer Lines and Commercial Lines, Tata AIG General Insurance Company Limited offers an extensive range of General Insurance covers that cater to various individual and business insurance needs. The products range from Home insurance, Motor Insurance, Travel Insurance, Health Insurance, Rural-Agriculture Insurance etc for individuals under the Consumer Line vertical, and Property & Business Interruption insurance; D&O, Professional and General Liability Insurance; and special products like Reps & Warranties and Environmental Insurance under the Commercial Lines vertical. Each product offering is backed by professional expertise to help the customer along the entire relationship period. Tata AIG General Insurance Company Limited has an empowered claims team, with a in-house capability of 400 plus experts spread across 90 office in India. The customer service team too, which is the face of the company to the customer, comprises of 450 team members, operating from various offices across India.


  • Travel Insurance
  • Motor Insurance
  • Health Insurance
  • Home Insurance
  • Accident Insurance
  • Student Travel Insurance
  • International Travel Insurance

Address: Peninsula Business Park, Tower A, 15thFloor, G.K.Marg, Lower Parel, Mumbai-400 013

Phone: 1800 266 7780

Email: customersupport@tataaig.com

Website: https://www.tataaig.com/

  • Cholamandalam MS General Insurance Company Ltd

Cholamandalam MS General Insurance Company Limited is a Joint Venture between the Murugappa Group and Mitsui Sumitomo Insurance Company Limited, Japan. Chola MS offers a wide range of insurance products that includes Accident, Engineering, Health, Liability, Marine, Motor, Property, Travel and Rural insurance for individuals and corporates. Chola MS champions a brand philosophy called T3, which stands for Trust, Transparency and Technology. It has also been consistently recognised and awarded by the Government of India, international entities and ratings agencies for its insurance service and delivery innovations. The company has 109 branches and over 9000 agents across the country.


  • Health Insurance
  • Car Insurance
  • Travel Insurance
  • Personal Accident
  • Home Insurance
  • Property Crime Insurance
  • Marine Insurance
  • Liability Insurance

Address: 2nd Floor, “Dare House”, No.2, NSC Bose Road, Chennai – 600001, India.

Phone: 1800-200-5544, 044-3044 5400

Email: customercare@cholams.murugappa.com

Website: https://www.cholainsurance.com

  • HDFC ERGO General Insurance Co Ltd

HDFC ERGO General Insurance Company Ltd. is a joint venture between HDFC Ltd., India’s premier Housing Finance Institution and ERGO International AG, the primary insurance entity of Munich Re Group. The Company offers complete range of general insurance products ranging from Motor, Health, Travel, Home and Personal Accident in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space. HDFC ERGO endeavors to improvise and cater to every need of the modern day customer with superior customer support service through automated processes. This helps to provide customers a seamless and hassle-free experience.


  • Individual Health Insurance
  • Family Health Insurance
  • Parents Health Insurance
  • Senior Citizen Health Insurance
  • Maternity Health Insurance
  • Health Insurance Renewal
  • Cashless Health Insurance

Address: 1st Floor, HDFC House, 165 – 166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020

Email: contactus@hdfcergo.com

Website: https://www.hdfcergo.com

  • Universal Sompo General Insurance Company

Mr. O.N. Singh, the founder Chairman Universal Sompo General Insurance having experience of more than 46 years in Senior Consulting, Business and Strategic roles. In his long career, Mr. Singh has worked in multiple functions in Banking and Insurance vertical. He started his career in 1971. In 2003, he was appointed as Chairman and Managing Director of Allahabad Bank. He has also worked with Industrial Investment Bank of India as Chairman and Managing Director from 2004 to 2006. In 2007, Mr. O.N.Singh was selected by Finance Ministry to form India’s first private public sector joint venture i.e. Universal Sompo General Insurance Co. Ltd in General Insurance Industry with two Public Sector Banks, namely Allahabad Bank & Indian Overseas Bank, one private sector bank namely Karnataka Bank, one FMCG company namely Dabur Group and a leading Japanese General Insurance Company namely Sompo Japan Nipponkoa General Insurance Inc.


  • Health Insurance
  • Car Insurance
  • Travel Insurance
  • Personal Accident
  • Commercial Insurance

Address: Plot No – EL-94,KLS Tower, TTC Industrial Area, MIDC, Mahape, Navi Mumbai 400710.

Phone: 1800 22 4030, 1800 200 4030, 022 – 27 63 9800, 022 – 39 13 3700

Email: contactus@universalsompo.com

Website: https://www.universalsompo.com

  • Bharti AXA General Insurance Company Ltd.

Bharti AXA General Insurance Company Ltd. is a joint venture between Bharti Enterprises and AXA business Group that operates in India. Bharti Enterprises shares 51% stake in the venture while AXA Group shares 49% stake.


  • Car Insurance
  • Travel Insurance
  • Health Insurance
  • Personal Accident Insurance
  • Student Travel Insurance
  • Motor Third Party Liability
  • Commercial Vehicle
  • Commercial Lines Insurance

Phone: 080-49010222, 1800-103-2292, 080-49123900

Email: customer.service@bharti-axagi.co.in

Website: https://www.bharti-axagi.co.in

  • SBI General Insurance

SBI General’s current geographical coverage extends to 56 cities pan India and presence in another 350+ locations through satellite resources. SBI General follows a robust multi-distribution model encompassing Bancassurance, Agency, Broking & Retail Direct Channels. Today, Our Distribution family includes over 11,000 IRDA certified SBI & its Associate Bank employees and over 4,800 Agents.We cover Motor, Health, Travel, Personal Accident & Home Insurance for Individuals and Aviation, Fire, Marine, Package, Construction & Engineering, Liability, Group Health, Group Personal Accident & Miscellaneous Insurance for Businesses.Our dedicated and experienced claims team aim to deliver you a differentiated customer service of a fast, fair, convenient and transparent claims process for the management and settlement of your claim.


  • Travel Insurance
  • Health Insurance
  • Motor Insurance
  • Home Insurance

Address: 101, 201 & 301, Junction of Western Express Highway & Andheri Kurla – Road, Andheri (East) Mumbai – 400 069

Phone: 1800 22 1111

Website: https://www.sbigeneral.in

  • Raheja QBE General Insurance Co Ltd

The Rajan Raheja Group, one of India’s most dynamic and diversified business group brings QBE (one of the world’s most respected Insurance companies) back to India, as Raheja QBE. Raheja QBE marries the Rajan Raheja Group’s success and experience across various business sectors in India with QBE’s global expertise in insurance to clients here.


  • Accident Personal
  • Cattle
  • Domestic Property
  • Health Insurance

Address: 5th Floor, Windsor House CST Road, Kalina Santacruz (East), Mumbai 400098 – India

Phone: +91 70453 59601

Email: Info@rahejaqbe.com

Website: http://www.rahejaqbe.com

  • L & T General Insurance Co Ltd

L&T General Insurance Company Limited aspires to become a leading name in the general insurance market through its innovative insurance products and efficient services. A few years back, L&T General Insurance Company was merged with HDFC ERGO and today it is known as HDFC General Insurance Limited.


  • Motor Insurance
  • Health Insurance
  • Home Insurance

Address: Unit B2-601, Boomerang, Chandivali Farm Road, Near Chandivali Studio, Andheri East, Mumbai – 400072

Phone: +91 829 192 8124

Email: help@coverfox.com

Website: https://www.coverfox.com

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