If you want a dedicated sum insured just for yourself, these individual plans offer the strongest cover, features and claim record.
Our top pick for this is HDFC ERGO Optima Secure — A best-in-class all-round plan that effectively doubles your cover from day one and restores the sum insured if exhausted — strong network and claim record make it the default pick for most families.
| # | Name | Score | Sum Insured | Cashless Hospitals | Claim Settled* | Standout |
|---|---|---|---|---|---|---|
| 1 | HDFC ERGO Optima SecureTop pick | 9.1/10 | ₹5L–₹2Cr | 13,000+ | ~99% | 2x cover from day 1 |
| 4 | Care Supreme | 8.6/10 | ₹5L–₹1Cr | 24,000+ | ~98% | Best value + big NCB |
| 5 | ICICI Lombard Elevate | 8.4/10 | ₹5L–Unlimited | 10,000+ | ~98% | Up to unlimited cover |
| 7 | Aditya Birla Activ One | 8.2/10 | ₹2L–₹2Cr | 11,000+ | ~96% | Wellness rewards |
| 8 | Bajaj Allianz Health Care | 8.1/10 | ₹3L–₹1Cr | 18,000+ | ~96% | Highly customisable |
| 9 | ManipalCigna ProHealth Plus | 7.9/10 | ₹2.5L–₹1Cr | 8,500+ | ~95% | Preventive & OPD focus |
Best overall
A best-in-class all-round plan that effectively doubles your cover from day one and restores the sum insured if exhausted — strong network and claim record make it the default pick for most families.
A high-value plan with strong no-claim bonus, wide cover and one of the largest hospital networks — consistently rated best-value for individuals and small families.
A modern plan offering up to unlimited cover and fast cashless approvals, with flexible add-ons for those who want premium, future-proof protection.
Best for active, health-conscious buyers: earn HealthReturns and premium discounts for staying fit, on top of comprehensive cover up to ₹2 crore.
A flexible, customisable plan with a wide cashless network and a broad menu of add-ons, letting you tailor cover to your family's needs.
Strong on preventive care, OPD and wellness, with good cover for individuals and older buyers who value health check-ups and day-to-day benefits.
Claim ratios indicative; premiums vary by age, city and members. Read the policy document and get a quote before buying. Information only, not insurance advice.