Insurance
Which plan to buy, how much cover you need, what it costs with the full fee structure, and which insurers to consider.
Estimated yearly premium
₹9,100
Typical range ₹7,280 – ₹11,375 · about ₹758 a month
Fee structure
Base premium₹9,100
GST (0%) · individual health and life policies are GST-exempt₹0
Total yearly premium₹9,100
Estimated from typical market premiums for this profile. Each insurer prices differently and medical tests can change the premium: get quotes for an exact figure.
What to buy
- Plan typeIndividual policy
- Recommended cover₹10 lakh
- Add a super top-up₹25–50 lakh super top-up over the base cover: large cover for a small extra premium
- Look forNo room-rent cap, no co-payment, restore/recharge benefit, short waiting period for pre-existing diseases (2–3 years), wide cashless network in metro city
Insurers for health insurance
| Insurer | Claim settlement ratio | Complaints / 10,000 claims | Incurred claim ratio | Network hospitals | Solvency | Figures for | |
|---|---|---|---|---|---|---|---|
| Acko | — | — | — | — | — | — | Get a quote › |
| Aditya Birla Health | — | — | — | — | — | — | Get a quote › |
| Bajaj Allianz General | — | — | — | — | — | — | Get a quote › |
| Care Health | — | — | — | — | — | — | Get a quote › |
| Cholamandalam MS General | — | — | — | — | — | — | Get a quote › |
| Future Generali India Insurance | — | — | — | — | — | — | Get a quote › |
| Galaxy Health | — | — | — | — | — | — | Get a quote › |
| Go Digit | — | — | — | — | — | — | Get a quote › |
| HDFC ERGO | — | — | — | — | — | — | Get a quote › |
| ICICI Lombard | — | — | — | — | — | — | Get a quote › |
| IFFCO Tokio General | — | — | — | — | — | — | Get a quote › |
| Liberty General | — | — | — | — | — | — | Get a quote › |
| ManipalCigna Health | — | — | — | — | — | — | Get a quote › |
| Narayana Health Insurance | — | — | — | — | — | — | Get a quote › |
| National Insurance Company · PSU | — | — | — | — | — | — | Get a quote › |
| Navi General | — | — | — | — | — | — | Get a quote › |
| New India Assurance · PSU | — | — | — | — | — | — | Get a quote › |
| Niva Bupa | — | — | — | — | — | — | Get a quote › |
| Reliance General | — | — | — | — | — | — | Get a quote › |
| Royal Sundaram General | — | — | — | — | — | — | Get a quote › |
| SBI General | — | — | — | — | — | — | Get a quote › |
| Star Health | — | — | — | — | — | — | Get a quote › |
| Tata AIG | — | — | — | — | — | — | Get a quote › |
| The Oriental Insurance Company · PSU | — | — | — | — | — | — | Get a quote › |
| United India Insurance · PSU | — | — | — | — | — | — | Get a quote › |
| Universal Sompo General | — | — | — | — | — | — | Get a quote › |
| Zuno General | — | — | — | — | — | — | Get a quote › |
| Zurich Kotak General | — | — | — | — | — | — | Get a quote › |
Insurer figures from the IRDAI annual report have not been entered yet, so insurers are listed alphabetically.