Top 10 Health Insurance Plans Under ₹5 Lakh in India (2025)

1. HDFC ERGO Optima Secure

• Sum Insured: ₹5 lakh – ₹2 crore
• Key Features: 100% sum insured restoration, no room rent capping, access to 10,000+ network hospitals
• Premium: Approx. ₹10,000/year for a 30-year-old individual
• Ideal For: Those seeking extensive network coverage and automatic sum restoration

2. Niva Bupa ReAssure 2.0

• Sum Insured: ₹5 lakh – ₹3 crore
• Key Features: Unlimited reinstatement, OPD cover, no-claim bonus booster
• Premium: Starts from ₹9,000/year
• Ideal For: Individuals desiring comprehensive coverage with added OPD benefits

3. Care Health Insurance – Care Supreme

• Sum Insured: ₹5 lakh – ₹1 crore
• Key Features: Annual health check-ups, wide hospital network, free health tracking app
• Premium: From ₹8,500/year
• Ideal For: Those looking for preventive healthcare benefits and extensive network access

4. Aditya Birla Activ Fit / Activ One

• Sum Insured: ₹2 lakh – ₹6 crore
• Key Features: Wellness points, 100% no-claim bonus, cashless wellness tests
• Premium: ₹7,500 – ₹25,000/year
• Ideal For: Health-conscious individuals seeking rewards for maintaining a healthy lifestyle

5. Bajaj Allianz Health Guard Gold

• Sum Insured: ₹1.5 lakh – ₹1 crore
• Key Features: Maternity cover after 2 years, AYUSH treatment, pre and post-hospitalization
• Premium: Starts from ₹6,000/year
• Ideal For: Families looking for comprehensive coverage with maternity benefits

6. Onsurity Group Health Plan (for Freelancers/Startups)

• Sum Insured: ₹5 lakh – ₹1 crore
• Key Features: Instant policy, OPD, gym & wellness discounts, 0 waiting period
• Premium: Starts at ₹125/month
• Ideal For: Freelancers and startups seeking affordable and immediate coverage

7. ICICI Lombard Complete Health Insurance

• Sum Insured: ₹5 lakh – ₹2 crore
• Key Features: Day-care procedures, lifelong renewability, free health checkup
• Premium: ₹10,000–₹18,000/year
• Ideal For: Individuals seeking comprehensive coverage with added preventive care

8. Star Health Family Health Optima

• Sum Insured: ₹3 lakh – ₹25 lakh
• Key Features: Family floater, newborn cover from 16th day, ambulance benefit
• Premium: ₹9,000 – ₹16,000/year (family of 3)
• Ideal For: Families desiring extensive coverage with added newborn benefits

9. SBI Arogya Supreme

• Sum Insured: ₹1 lakh – ₹5 crore
• Key Features: No room rent limit, global coverage for emergencies
• Premium: ₹6,500 – ₹20,000/year
• Ideal For: Individuals seeking global coverage with no room rent restrictions

10. TATA AIG MediCare Premier

• Sum Insured: ₹5 lakh – ₹3 crore
• Key Features: Worldwide coverage, maternity cover, high NCB (No-Claim Bonus)
• Premium: ₹7,000 – ₹22,000/year
• Ideal For: Those desiring global coverage with added maternity benefits

Comparison Table:

Key Considerations:

• Premium Affordability: Ensure the premium fits within your budget while providing adequate coverage.
• Network Hospitals: Check if your preferred hospitals are part of the insurer’s network for cashless treatment.
• Additional Benefits: Look for added benefits like maternity cover, wellness programs, and no-claim bonuses.
• Claim Settlement Ratio (CSR): A higher CSR indicates better claim settlement performance by the insurer.

If you have specific requirements or need further assistance in choosing the right plan, feel free to ask!