Best Health Insurance Companies in India 2025

New Delhi [India], October 10: In today’s fast-evolving healthcare landscape, choosing the right health insurance is not only an important financial decision but also a safeguard for your well-being and peace of mind. With medical costs rising sharply each year, a robust health insurance plan ensures that unexpected hospitalisations, surgeries or critical illnesses don’t derail your finances. India’s insurance market offers a wide range of options, from tech-driven digital insurers to traditional companies with decades of trust. Identifying the best health insurance company means finding a provider that balances comprehensive coverage, claim reliability, network hospitals and affordability. This guide highlights the top performers in 2025, helping you make an informed choice for yourself and your family. Best Health Insurance Companies in India

Here is a list of some health insurance companies that are performing well in the Indian market in 2025.

Company Name

Claim Ratio

Network Hospitals

Popular Plan

Unique Feature

ACKO Health Insurance

99.91%

11,500+

Acko Platinum Health Plan

No room rent limit, 100% bill coverage

SBI General Insurance

97.05%

16,500+

Arogya Supreme

Restoration of Sum Insured, Family Floater Options

ICICI Lombard Health Insurance

97.16%

10,500+

Complete Health

Global Emergency Cover

Niva Bupa Health Insurance (Max Bupa)

92.02%

10,000+

ReAssure 2.0

Unlimited Reinstatement

Aditya Birla Health Insurance

92.97%

13,500+

Activ Health Platinum Enhanced

Fitness Rewards, Chronic Care Benefits



1. ACKO Health Insurance

ACKO Platinum Health Insurance has succeeded in proving itself as one of the most trusted digital-first health insurance providers in India. They are the most sought-after option for many because their policies are simple, affordable, and highly transparent. You will truly appreciate their smooth paperless process, app-based claim submissions, and quick settlement times.

Sum insured range: ₹10L to Unlimited sum insured

Claim settlement ratio: 99.91%.

Why ACKO is a Pioneer in 2025:

• Zero waiting period

• Cashless claims across 11,500+ network hospitals

• 100% hospital bill coverage

• No limit on hospital room rent

• Plans starting at ₹18 per day

2. SBI General Insurance

SBI General Insurance has emerged as a strong player in India’s health insurance market by combining State Bank of India’s trusted legacy with a wide range of health insurance solutions. The company focuses on affordability, transparency and broad accessibility, especially for middle-income and rural policyholders.

Sum insured range: ₹50K–₹2Cr

Claim settlement ratio: 98%

Why SBI General Stands Out in 2025:

• Wide cashless network with over 16,625 hospitals across India

• Comprehensive protection through individual, family floater, and corporate plans

• Add-on options for hospital cash, maternity and critical illness coverage

• Instant policy issuance and paperless processes

• More than 24 crore customers served.

3. ICICI Lombard Health Insurance

ICICI Lombard’s health insurance is known for its fast claim processing. It is mainly because of their diverse policies and user-friendly services. They primarily work on their traditional customer trust by making modern digital upgrades. Hence, their health insurance policy has naturally become more accessible to a wide spectrum of Indians.

Sum insured range: ₹3L–₹50L

Claim settlement ratio: 97.16%

What Makes ICICI Lombard A Popular Choice:

• Cashless treatment available at 10,600+ network hospitals across India

• Unlimited reset benefit available for several plans

• Quick and hassle-free claim processing with minimal documentation

• Reward points for wellness activities

• 24x7 customer support with robust digital assistance

4. Niva Bupa (Formerly Max Bupa) Health Insurance

Niva Bupa has consistently provided comprehensive and flexible plans that have built a loyal customer base. Their plans are best suited for families who require a high sum insured with a restoration benefit, ensuring continuous coverage even after a claim.

Sum insured range: ₹5L–₹1Cr

Claim settlement ratio: 94.20%

Key Features of Niva Bupa:

• Extensive cashless network with 10,000+ hospitals across India

• 0% GST on unlimited coverage

• More than 15 lakh claims paid since inception

• Pre- and post-hospitalisation coverage for a wide range of treatments

• Quick, app-based claim submission and status tracking for hassle-free experience

5. Aditya Birla Health Insurance

Aditya Birla Health Insurance is redefining how Indians view health coverage by focusing not only on treatment but also on preventive and wellness-based healthcare. The insurer rewards healthy lifestyle habits and promotes long-term well-being through its innovative “HealthReturn” program.

Sum insured range: Up to ₹3Cr

Claim settlement ratio: 96%

Why Aditya Birla Health Insurance Is a Smart Pick:

• Access to 13,000+ cashless hospitals nationwide for seamless treatment

• Includes hospitalisation, pre- and post-hospitalisation expenses, day-care treatments, and optional worldwide coverage.

• Access to health coaches to help you maintain good health

• Innovative HealthReturn program that rewards policyholders for maintaining good health

• Plans starting as low as ₹15 per day

Final Thought

India’s health insurance sector in 2025 reflects a powerful shift toward digitisation, wellness and customer empowerment. From tech-led insurers like ACKO to legacy-backed providers like SBI General and wellness-driven brands such as Aditya Birla Health, today’s insurers are adapting to meet diverse healthcare needs.

However, the “best” health insurance company ultimately depends on your personal circumstances, like age, family size, health profile and financial capacity. Before purchasing a policy, compare features like coverage limits, claim settlement ratios and hospital network strength. A well-chosen health insurance plan not only protects your savings but also ensures peace of mind in an unpredictable healthcare landscape.

(Disclaimer: The above press release comes to you under an arrangement with PNN and PTI takes no editorial responsibility for the same.). PTI PWR

(This story has not been edited by THE WEEK and is auto-generated from PTI)