Best Health Insurance in 2025

[Sourav_Das]

I'm 32, which plan is best for me and my wife.
SA 5L.
Please recommended some best plans.

 

[thefiscalalchemist]

You can go for HDFC Optima Secure (best claim payout ratio and brand reliability, cost is on the higher side). If you want maternity coverage, go for Niva Bupa Aspire plan (titanium plus) with safeguard plus rider option. For more details about the plan, you can refer their product brochure.

 

[Bicky]

get Aditya Birla health insurance SA 10 lacs absolutely free. only pay gst

How?

 

[S U D O]

get Aditya Birla health insurance SA 10 lacs absolutely free. only pay gst

? ? ?
Curious to know how

 

[mkate]

get Aditya Birla health insurance SA 10 lacs absolutely free. only pay gst

How ?

 

[apt]

no response

 

[zacobite]

You can go for HDFC Optima Secure (best claim payout ratio and brand reliability, cost is on the higher side). If you want maternity coverage, go for Niva Bupa Aspire plan (titanium plus) with safeguard plus rider option. For more details about the plan, you can refer their product brochure.

avoid bupa at all costs

 

[zacobite]

I'm 32, which plan is best for me and my wife.
SA 5L.
Please recommended some best plans.

ergo optima secure / icici elevate / care supreme and new one manipal cigna param.. all great plans..

 

[archit3000]

get Aditya Birla health insurance SA 10 lacs absolutely free. only pay gst

why pay GST when its free

 

[thefiscalalchemist]

avoid bupa at all costs

Why so?

 

[zacobite]

bad service / fraudulent communication / v v difficult to resolve any issues.. in my renewal policy ( 13 yr old policy with no claims) they deleted all bonus / riders / accumulated benefits and increased premium by 52%..age slab chg apparently was 40% increase.. ridiculous.. Have been trying to get an explanation for 1 month.. no response even from grievance cell.. finally filed with ombudsman.. last yr they loaded obesity loading for my 5 year old son!! randomly... had to fight again and got resolution after complain to irda... and all this is normal service.. not even during claim.. imagine what will happen if u claim.. run as far as u can from. bupa.. their service sucks.. risky and fraudulent!!!!! will be porting out this yr..

 

[zacobite]

avoid bupa at all costs

bad service / fraudulent communication / v v difficult to resolve any issues.. in my renewal policy ( 13 yr old policy with no claims) they deleted all bonus / riders / accumulated benefits and increased premium by 52%..age slab chg apparently was 40% increase.. ridiculous.. Have been trying to get an explanation for 1 month.. no response even from grievance cell.. finally filed with ombudsman.. last yr they loaded obesity loading for my 5 year old son!! randomly... had to fight again and got resolution after complain to irda... and all this is normal service.. not even during claim.. imagine what will happen if u claim.. run as far as u can from. bupa.. their service sucks.. risky and fraudulent!!!!! will be porting out this yr..

 

[mkate]

1. HDFC ERGO Optima Secure
2. Aditya Birla Active 1 Max
3. Care Supereme
4. ICICI Lombard Elevate
5. Niva Bupa Aspire Titanium Plus
6. TATA AIG Medicare
7. Baja Allianz Health Guard
8. Acko Platinum

List is in descending order from best to good.
Check the t&c & pick out of these.

 

[zacobite]

1. HDFC ERGO Optima Secure
2. Aditya Birla Active 1 Max
3. Care Supereme
4. ICICI Lombard Elevate
5. Niva Bupa Aspire Titanium Plus
6. TATA AIG Medicare
7. Baja Allianz Health Guard
8. Acko Platinum

List is in descending order from best to good.
Check the t&c & pick out of these.

1, 2, 4, 3 are good in that order.. Niva Bupa NEVER!! Rest are Ok.
Some Cons :

Hdfc V expensive - but simple and good policy
Aditya Birla : Strict
Care : V new / Poor Service
ICICI : V complex riders / higher complaints