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independent ratings platform
for insurance

ILM Ratings analyses how insurance plans actually perform across 100+ parameters. Platforms embed our ratings so customers stop second-guessing and start deciding.

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India's only
independent ratings platform for insurance

ILM Ratings analyses how insurance plans actually perform across 100+ parameters. Platforms embed our ratings so customers stop second-guessing and start deciding.

Partner With Us
ILM Expert Rating widget

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Covers 150+ plans across health and term insurance

100+ parameters per plan, including claims data and policy wordings

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Explore the Best Health Insurance Plans of 2026

Independent, data-driven ratings across 100+ parameters covering claims, customer service, product benefits, and insurer's legacy.

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ICICI Lombard Elevate + Key Add-ons

4.10
★ ★ ★ ★ ★
ILM Rating
3.84
Claims Experience
4.24
Customer Service
4.37
Product Benefits
4.6
Insurer's Legacy
Fair

Go Digit Worldwide Treatment

3.98
★ ★ ★ ★ ★
ILM Rating
4.6
Claims Experience
4.81
Customer Service
3.98
Product Benefits
2.6
Insurer's Legacy
Fair

HDFC Ergo Optima Secure+ + Key Add-ons

4.41
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.29
Customer Service
4.9
Product Benefits
1.4
Insurer's Legacy
Fair

Niva Bupa ReAssure 3.0 (Black) + Key Add-ons

3.67
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.56
Product Benefits
4.6
Insurer's Legacy
Fair

New India Yuva Bharat (Base) + Key Add-ons

3.57
★ ★ ★ ★ ★
ILM Rating
3.74
Claims Experience
5
Customer Service
2.44
Product Benefits
1.7
Insurer's Legacy
Fair

Universal Sompo A Plus Health Insurance (Diamond)

3.82
★ ★ ★ ★ ★
ILM Rating
4.03
Claims Experience
4.12
Customer Service
3.76
Product Benefits
4.1
Insurer's Legacy
Fair

ICICI Lombard Elevate (Value) + Key Add-ons

3.89
★ ★ ★ ★ ★
ILM Rating
3.84
Claims Experience
4.24
Customer Service
3.87
Product Benefits
3.7
Insurer's Legacy
Fair

Aditya Birla Activ One (MAX)

4.29
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.93
Customer Service
5
Product Benefits
4.8
Insurer's Legacy
Fair

Chola MS Flexi Health

4.08
★ ★ ★ ★ ★
ILM Rating
4.16
Claims Experience
4.39
Customer Service
3.38
Product Benefits
2.2
Insurer's Legacy
Economical

Go Digit Double Wallet

3.92
★ ★ ★ ★ ★
ILM Rating
4.6
Claims Experience
4.81
Customer Service
3.83
Product Benefits
3.3
Insurer's Legacy
Fair

IndusInd General Health Infinity + Key Add-ons

4.26
★ ★ ★ ★ ★
ILM Rating
3.75
Claims Experience
3.23
Customer Service
4.66
Product Benefits
4.8
Insurer's Legacy
Economical

Bajaj General Health Guard (Gold)

4.00
★ ★ ★ ★ ★
ILM Rating
5
Claims Experience
4.69
Customer Service
3.08
Product Benefits
3.4
Insurer's Legacy
Fair

New India Yuva Bharat (Platinum) + Key Add-ons

3.64
★ ★ ★ ★ ★
ILM Rating
3.74
Claims Experience
5
Customer Service
2.62
Product Benefits
3.2
Insurer's Legacy
Fair

United India Yuvaan Health Insurance

3.32
★ ★ ★ ★ ★
ILM Rating
3.8
Claims Experience
1.62
Customer Service
2.85
Product Benefits
3.7
Insurer's Legacy
Economical

Oriental Youth Eco Care (Basic)

2.39
★ ★ ★ ★ ★
ILM Rating
2.33
Claims Experience
0.75
Customer Service
1.63
Product Benefits
4.8
Insurer's Legacy
Economical

Niva Bupa Aspire (Gold+ Value)

3.63
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.44
Product Benefits
2.9
Insurer's Legacy
Economical

Chola MS - Heathline (Privilege)

3.85
★ ★ ★ ★ ★
ILM Rating
4.16
Claims Experience
4.39
Customer Service
2.81
Product Benefits
2.9
Insurer's Legacy
Expensive

HDFC Ergo Optima Secure + Key Add-ons

4.39
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.29
Customer Service
4.86
Product Benefits
1.4
Insurer's Legacy
Expensive

ManipalCigna Sarvah (Param) + Key Add-ons

3.91
★ ★ ★ ★ ★
ILM Rating
4.42
Claims Experience
3.16
Customer Service
4.69
Product Benefits
2.5
Insurer's Legacy
Expensive

Niva Bupa ReAssure 3.0 (Select) + Key Add-ons

3.38
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
3.83
Product Benefits
3.8
Insurer's Legacy
Economical

Universal Sompo A Plus Health Insurance (Gold)

3.80
★ ★ ★ ★ ★
ILM Rating
4.03
Claims Experience
4.12
Customer Service
3.71
Product Benefits
1.2
Insurer's Legacy
Fair

Zuno Health Insurance (Gold)

3.03
★ ★ ★ ★ ★
ILM Rating
3.87
Claims Experience
2.26
Customer Service
3.16
Product Benefits
3.7
Insurer's Legacy
Fair

Care Insurance Care Plus

3.38
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
4.49
Customer Service
3.69
Product Benefits
3.6
Insurer's Legacy
Fair

United India Family Medicare

3.22
★ ★ ★ ★ ★
ILM Rating
3.8
Claims Experience
1.62
Customer Service
2.59
Product Benefits
5
Insurer's Legacy

Bajaj General My Health Care (Plan 1) + Key Add-ons

4.26
★ ★ ★ ★ ★
ILM Rating
5
Claims Experience
4.69
Customer Service
3.72
Product Benefits
2.6
Insurer's Legacy
Economical

Care Insurance Care Supreme (Value) + Key Add-ons

3.56
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
4.49
Customer Service
4.14
Product Benefits
3
Insurer's Legacy
Economical

Chola MS - Heathline (Enrich)

3.86
★ ★ ★ ★ ★
ILM Rating
4.16
Claims Experience
4.39
Customer Service
2.83
Product Benefits
4.3
Insurer's Legacy
Expensive

ICICI Lombard Health AdvantEdge

3.93
★ ★ ★ ★ ★
ILM Rating
3.84
Claims Experience
4.24
Customer Service
3.95
Product Benefits
3.7
Insurer's Legacy
Fair

Oriental Youth Eco Care (Premium)

2.39
★ ★ ★ ★ ★
ILM Rating
2.33
Claims Experience
0.75
Customer Service
1.63
Product Benefits
3.1
Insurer's Legacy
Economical

Aditya Birla Activ One (Economy) + Key Add-ons

4.13
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.93
Customer Service
4.54
Product Benefits
1.6
Insurer's Legacy
Economical

Star Health Comprehensive

3.04
★ ★ ★ ★ ★
ILM Rating
3.69
Claims Experience
2.2
Customer Service
4.05
Product Benefits
3
Insurer's Legacy

Care Insurance Care Supreme (Vikas) + Key Add-ons

3.41
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
4.49
Customer Service
3.76
Product Benefits
2.7
Insurer's Legacy
Economical

Aditya Birla Activ One (Smart) + Key Add-ons

4.07
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.93
Customer Service
4.39
Product Benefits
2.6
Insurer's Legacy
Economical

Niva Bupa ReAssure 2.0 (Titanium+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
5
Product Benefits
2.8
Insurer's Legacy
Fair

IndusInd General Health Gain (Power) + Key Add-ons

3.75
★ ★ ★ ★ ★
ILM Rating
3.75
Claims Experience
3.23
Customer Service
3.38
Product Benefits
2.7
Insurer's Legacy
Fair

Aditya Birla Activ Health Platinum (Enhanced)

3.94
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.93
Customer Service
4.08
Product Benefits
4.1
Insurer's Legacy
Fair

Care Insurance Ultimate Care + Key Add-ons

3.74
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
4.49
Customer Service
4.59
Product Benefits
3.9
Insurer's Legacy
Fair

Star Health Super Star (Max)

3.10
★ ★ ★ ★ ★
ILM Rating
3.69
Claims Experience
2.2
Customer Service
4.19
Product Benefits
3.4
Insurer's Legacy
Economical

Star Health Super Star + Key Add-ons

3.39
★ ★ ★ ★ ★
ILM Rating
3.69
Claims Experience
2.2
Customer Service
4.93
Product Benefits
3.5
Insurer's Legacy
Fair

Star Health Super Star (Secure) + Key Add-ons

3.37
★ ★ ★ ★ ★
ILM Rating
3.69
Claims Experience
2.2
Customer Service
4.89
Product Benefits
1.9
Insurer's Legacy
Fair

Star Health Assure

3.17
★ ★ ★ ★ ★
ILM Rating
3.69
Claims Experience
2.2
Customer Service
4.37
Product Benefits
1.3
Insurer's Legacy
Fair

Tata AIG MediCare Premier + Key Add-ons

4.28
★ ★ ★ ★ ★
ILM Rating
3.88
Claims Experience
4.25
Customer Service
4.08
Product Benefits
5
Insurer's Legacy
Expensive

Star Health Super Star (Preferred) + Key Add-ons

3.37
★ ★ ★ ★ ★
ILM Rating
3.69
Claims Experience
2.2
Customer Service
4.88
Product Benefits
4.3
Insurer's Legacy
Fair

New India Yuva Bharat (Gold) + Key Add-ons

3.64
★ ★ ★ ★ ★
ILM Rating
3.74
Claims Experience
5
Customer Service
2.62
Product Benefits
3.5
Insurer's Legacy
Fair

Care Insurance Care Supreme + Key Add-ons

3.68
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
4.49
Customer Service
4.45
Product Benefits
1.6
Insurer's Legacy
Fair

Tata AIG MediCare Select + Key Add-ons

4.28
★ ★ ★ ★ ★
ILM Rating
3.88
Claims Experience
4.25
Customer Service
4.07
Product Benefits
2.5
Insurer's Legacy
Fair

Aditya Birla Activ Fit (Plus)

4.20
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.93
Customer Service
4.71
Product Benefits
2.9
Insurer's Legacy
Economical

Universal Sompo A Plus Health Insurance (Silver)

3.78
★ ★ ★ ★ ★
ILM Rating
4.03
Claims Experience
4.12
Customer Service
3.66
Product Benefits
2.6
Insurer's Legacy
Economical

Niva Bupa Rise

3.51
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.15
Product Benefits
4.5
Insurer's Legacy
Economical

Niva Bupa ReAssure 2.0 (Bronze+ Value)

3.63
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.44
Product Benefits
2.2
Insurer's Legacy
Economical

Niva Bupa Aspire (Gold+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.99
Product Benefits
3.8
Insurer's Legacy
Economical

Go Digit Infinity Wallet + Key Add-ons

4.00
★ ★ ★ ★ ★
ILM Rating
4.6
Claims Experience
4.81
Customer Service
4.01
Product Benefits
4.4
Insurer's Legacy
Fair

Star Health Super Star (Value)

3.10
★ ★ ★ ★ ★
ILM Rating
3.69
Claims Experience
2.2
Customer Service
4.19
Product Benefits
4.2
Insurer's Legacy
Economical

Care Insurance Care Freedom (Plan 1)

2.80
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
4.49
Customer Service
2.24
Product Benefits
1
Insurer's Legacy
Economical

SBI General Health Edge

3.59
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
4.81
Customer Service
3.05
Product Benefits
1.6
Insurer's Legacy
Fair

Royal Sundaram Multiplier

4.22
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
3.17
Customer Service
4.04
Product Benefits
1.8
Insurer's Legacy
Economical

Care Insurance Care

3.12
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
4.49
Customer Service
3.05
Product Benefits
4.6
Insurer's Legacy
Expensive

Niva Bupa ReAssure 2.0 (Gold)

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
5
Product Benefits
3.2
Insurer's Legacy
Fair

Niva Bupa ReAssure 3.0 (Elite) + Key Add-ons

3.63
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.46
Product Benefits
2.8
Insurer's Legacy
Fair

Niva Bupa Aspire (Titanium+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
5
Product Benefits
2.2
Insurer's Legacy
Fair

Niva Bupa ReAssure 2.0 (Bronze)

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.99
Product Benefits
4.1
Insurer's Legacy
Fair

Star Health Super Star (Essential Value)

3.04
★ ★ ★ ★ ★
ILM Rating
3.69
Claims Experience
2.2
Customer Service
4.05
Product Benefits
4
Insurer's Legacy
Economical

Niva Bupa Aspire (Platinum+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
5
Product Benefits
3.8
Insurer's Legacy
Fair

Star Health Super Star (Essential)

3.11
★ ★ ★ ★ ★
ILM Rating
3.69
Claims Experience
2.2
Customer Service
4.24
Product Benefits
3.8
Insurer's Legacy
Economical

Bajaj General Health Guard (Platinum)

4.00
★ ★ ★ ★ ★
ILM Rating
5
Claims Experience
4.69
Customer Service
3.08
Product Benefits
3.6
Insurer's Legacy
Fair

Manipal Cigna ProHealth Prime (Advantage) + Key Add-ons

3.70
★ ★ ★ ★ ★
ILM Rating
4.42
Claims Experience
3.16
Customer Service
4.16
Product Benefits
2.6
Insurer's Legacy
Expensive

SBI General Super Health (Prime)

4.17
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
4.81
Customer Service
4.5
Product Benefits
1.2
Insurer's Legacy
Fair

Niva Bupa ReAssure 2.0 (Platinum+)

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.99
Product Benefits
3.3
Insurer's Legacy
Fair

Niva Bupa ReAssure 3.0 (Classic) + Key Add-ons

3.36
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
3.76
Product Benefits
2.6
Insurer's Legacy
Economical

Niva Bupa Health Companion + Key Add-ons

3.76
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.77
Product Benefits
1.6
Insurer's Legacy
Expensive

Manipal Cigna ProHealth Prime (Protect)

3.68
★ ★ ★ ★ ★
ILM Rating
4.42
Claims Experience
3.16
Customer Service
4.12
Product Benefits
3.3
Insurer's Legacy
Fair

Flexi Health Supreme (Plus)

4.26
★ ★ ★ ★ ★
ILM Rating
4.16
Claims Experience
4.39
Customer Service
3.83
Product Benefits
4.7
Insurer's Legacy
Economical

Niva Bupa ReAssure 2.0 (Bronze+)

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.99
Product Benefits
3.3
Insurer's Legacy
Fair

Aditya Birla Activ One (VYTL)

4.29
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.93
Customer Service
4.93
Product Benefits
2
Insurer's Legacy
Fair

Aditya Birla Activ One (NXT) + Key Add-ons

4.29
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.93
Customer Service
4.93
Product Benefits
4
Insurer's Legacy
Economical

Niva Bupa Aspire (Diamond+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.99
Product Benefits
1.5
Insurer's Legacy
Fair

Aditya Birla Activ Fit (Preferred)

4.20
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.93
Customer Service
4.71
Product Benefits
4.7
Insurer's Legacy
Fair

ManipalCigna Sarvah (Uttam) + Key Add-ons

3.79
★ ★ ★ ★ ★
ILM Rating
4.42
Claims Experience
3.16
Customer Service
4.4
Product Benefits
1.8
Insurer's Legacy
Fair

Niva Bupa GoActive

3.38
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
3.84
Product Benefits
3
Insurer's Legacy
Fair

ICICI Lombard Elevate + Key Add-ons

4.10
★ ★ ★ ★ ★
ILM Rating
3.84
Claims Experience
4.24
Customer Service
4.37
Product Benefits
4.6
Insurer's Legacy
Fair

Go Digit Worldwide Treatment

3.98
★ ★ ★ ★ ★
ILM Rating
4.6
Claims Experience
4.81
Customer Service
3.98
Product Benefits
2.6
Insurer's Legacy
Fair

HDFC Ergo Optima Secure+ + Key Add-ons

4.41
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.29
Customer Service
4.9
Product Benefits
1.4
Insurer's Legacy
Fair

Niva Bupa ReAssure 3.0 (Black) + Key Add-ons

3.67
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.56
Product Benefits
4.6
Insurer's Legacy
Fair

New India Yuva Bharat (Base) + Key Add-ons

3.57
★ ★ ★ ★ ★
ILM Rating
3.74
Claims Experience
5
Customer Service
2.44
Product Benefits
1.7
Insurer's Legacy
Fair

Universal Sompo A Plus Health Insurance (Diamond)

3.82
★ ★ ★ ★ ★
ILM Rating
4.03
Claims Experience
4.12
Customer Service
3.76
Product Benefits
4.1
Insurer's Legacy
Fair

ICICI Lombard Elevate (Value) + Key Add-ons

3.89
★ ★ ★ ★ ★
ILM Rating
3.84
Claims Experience
4.24
Customer Service
3.87
Product Benefits
3.7
Insurer's Legacy
Fair

Aditya Birla Activ One (MAX)

4.29
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.93
Customer Service
5
Product Benefits
4.8
Insurer's Legacy
Fair

Chola MS Flexi Health

4.08
★ ★ ★ ★ ★
ILM Rating
4.16
Claims Experience
4.39
Customer Service
3.38
Product Benefits
2.2
Insurer's Legacy
Economical

Go Digit Double Wallet

3.92
★ ★ ★ ★ ★
ILM Rating
4.6
Claims Experience
4.81
Customer Service
3.83
Product Benefits
3.3
Insurer's Legacy
Fair

IndusInd General Health Infinity + Key Add-ons

4.26
★ ★ ★ ★ ★
ILM Rating
3.75
Claims Experience
3.23
Customer Service
4.66
Product Benefits
4.8
Insurer's Legacy
Economical

Bajaj General Health Guard (Gold)

4.00
★ ★ ★ ★ ★
ILM Rating
5
Claims Experience
4.69
Customer Service
3.08
Product Benefits
3.4
Insurer's Legacy
Fair

New India Yuva Bharat (Platinum) + Key Add-ons

3.64
★ ★ ★ ★ ★
ILM Rating
3.74
Claims Experience
5
Customer Service
2.62
Product Benefits
3.2
Insurer's Legacy
Fair

United India Yuvaan Health Insurance

3.32
★ ★ ★ ★ ★
ILM Rating
3.8
Claims Experience
1.62
Customer Service
2.85
Product Benefits
3.7
Insurer's Legacy
Economical

Oriental Youth Eco Care (Basic)

2.39
★ ★ ★ ★ ★
ILM Rating
2.33
Claims Experience
0.75
Customer Service
1.63
Product Benefits
4.8
Insurer's Legacy
Economical

Niva Bupa Aspire (Gold+ Value)

3.63
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.44
Product Benefits
2.9
Insurer's Legacy
Economical

Chola MS - Heathline (Privilege)

3.85
★ ★ ★ ★ ★
ILM Rating
4.16
Claims Experience
4.39
Customer Service
2.81
Product Benefits
2.9
Insurer's Legacy
Expensive

HDFC Ergo Optima Secure + Key Add-ons

4.39
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.29
Customer Service
4.86
Product Benefits
1.4
Insurer's Legacy
Expensive

ManipalCigna Sarvah (Param) + Key Add-ons

3.91
★ ★ ★ ★ ★
ILM Rating
4.42
Claims Experience
3.16
Customer Service
4.69
Product Benefits
2.5
Insurer's Legacy
Expensive

Niva Bupa ReAssure 3.0 (Select) + Key Add-ons

3.38
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
3.83
Product Benefits
3.8
Insurer's Legacy
Economical

Universal Sompo A Plus Health Insurance (Gold)

3.80
★ ★ ★ ★ ★
ILM Rating
4.03
Claims Experience
4.12
Customer Service
3.71
Product Benefits
1.2
Insurer's Legacy
Fair

Zuno Health Insurance (Gold)

3.03
★ ★ ★ ★ ★
ILM Rating
3.87
Claims Experience
2.26
Customer Service
3.16
Product Benefits
3.7
Insurer's Legacy
Fair

Care Insurance Care Plus

3.38
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
4.49
Customer Service
3.69
Product Benefits
3.6
Insurer's Legacy
Fair

United India Family Medicare

3.22
★ ★ ★ ★ ★
ILM Rating
3.8
Claims Experience
1.62
Customer Service
2.59
Product Benefits
5
Insurer's Legacy

Bajaj General My Health Care (Plan 1) + Key Add-ons

4.26
★ ★ ★ ★ ★
ILM Rating
5
Claims Experience
4.69
Customer Service
3.72
Product Benefits
2.6
Insurer's Legacy
Economical

Care Insurance Care Supreme (Value) + Key Add-ons

3.56
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
4.49
Customer Service
4.14
Product Benefits
3
Insurer's Legacy
Economical

Chola MS - Heathline (Enrich)

3.86
★ ★ ★ ★ ★
ILM Rating
4.16
Claims Experience
4.39
Customer Service
2.83
Product Benefits
4.3
Insurer's Legacy
Expensive

ICICI Lombard Health AdvantEdge

3.93
★ ★ ★ ★ ★
ILM Rating
3.84
Claims Experience
4.24
Customer Service
3.95
Product Benefits
3.7
Insurer's Legacy
Fair

Oriental Youth Eco Care (Premium)

2.39
★ ★ ★ ★ ★
ILM Rating
2.33
Claims Experience
0.75
Customer Service
1.63
Product Benefits
3.1
Insurer's Legacy
Economical

Aditya Birla Activ One (Economy) + Key Add-ons

4.13
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.93
Customer Service
4.54
Product Benefits
1.6
Insurer's Legacy
Economical

Star Health Comprehensive

3.04
★ ★ ★ ★ ★
ILM Rating
3.69
Claims Experience
2.2
Customer Service
4.05
Product Benefits
3
Insurer's Legacy

Care Insurance Care Supreme (Vikas) + Key Add-ons

3.41
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
4.49
Customer Service
3.76
Product Benefits
2.7
Insurer's Legacy
Economical

Aditya Birla Activ One (Smart) + Key Add-ons

4.07
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.93
Customer Service
4.39
Product Benefits
2.6
Insurer's Legacy
Economical

Niva Bupa ReAssure 2.0 (Titanium+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
5
Product Benefits
2.8
Insurer's Legacy
Fair

IndusInd General Health Gain (Power) + Key Add-ons

3.75
★ ★ ★ ★ ★
ILM Rating
3.75
Claims Experience
3.23
Customer Service
3.38
Product Benefits
2.7
Insurer's Legacy
Fair

Aditya Birla Activ Health Platinum (Enhanced)

3.94
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.93
Customer Service
4.08
Product Benefits
4.1
Insurer's Legacy
Fair

Care Insurance Ultimate Care + Key Add-ons

3.74
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
4.49
Customer Service
4.59
Product Benefits
3.9
Insurer's Legacy
Fair

Star Health Super Star (Max)

3.10
★ ★ ★ ★ ★
ILM Rating
3.69
Claims Experience
2.2
Customer Service
4.19
Product Benefits
3.4
Insurer's Legacy
Economical

Star Health Super Star + Key Add-ons

3.39
★ ★ ★ ★ ★
ILM Rating
3.69
Claims Experience
2.2
Customer Service
4.93
Product Benefits
3.5
Insurer's Legacy
Fair

Star Health Super Star (Secure) + Key Add-ons

3.37
★ ★ ★ ★ ★
ILM Rating
3.69
Claims Experience
2.2
Customer Service
4.89
Product Benefits
1.9
Insurer's Legacy
Fair

Star Health Assure

3.17
★ ★ ★ ★ ★
ILM Rating
3.69
Claims Experience
2.2
Customer Service
4.37
Product Benefits
1.3
Insurer's Legacy
Fair

Tata AIG MediCare Premier + Key Add-ons

4.28
★ ★ ★ ★ ★
ILM Rating
3.88
Claims Experience
4.25
Customer Service
4.08
Product Benefits
5
Insurer's Legacy
Expensive

Star Health Super Star (Preferred) + Key Add-ons

3.37
★ ★ ★ ★ ★
ILM Rating
3.69
Claims Experience
2.2
Customer Service
4.88
Product Benefits
4.3
Insurer's Legacy
Fair

New India Yuva Bharat (Gold) + Key Add-ons

3.64
★ ★ ★ ★ ★
ILM Rating
3.74
Claims Experience
5
Customer Service
2.62
Product Benefits
3.5
Insurer's Legacy
Fair

Care Insurance Care Supreme + Key Add-ons

3.68
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
4.49
Customer Service
4.45
Product Benefits
1.6
Insurer's Legacy
Fair

Tata AIG MediCare Select + Key Add-ons

4.28
★ ★ ★ ★ ★
ILM Rating
3.88
Claims Experience
4.25
Customer Service
4.07
Product Benefits
2.5
Insurer's Legacy
Fair

Aditya Birla Activ Fit (Plus)

4.20
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.93
Customer Service
4.71
Product Benefits
2.9
Insurer's Legacy
Economical

Universal Sompo A Plus Health Insurance (Silver)

3.78
★ ★ ★ ★ ★
ILM Rating
4.03
Claims Experience
4.12
Customer Service
3.66
Product Benefits
2.6
Insurer's Legacy
Economical

Niva Bupa Rise

3.51
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.15
Product Benefits
4.5
Insurer's Legacy
Economical

Niva Bupa ReAssure 2.0 (Bronze+ Value)

3.63
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.44
Product Benefits
2.2
Insurer's Legacy
Economical

Niva Bupa Aspire (Gold+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.99
Product Benefits
3.8
Insurer's Legacy
Economical

Go Digit Infinity Wallet + Key Add-ons

4.00
★ ★ ★ ★ ★
ILM Rating
4.6
Claims Experience
4.81
Customer Service
4.01
Product Benefits
4.4
Insurer's Legacy
Fair

Star Health Super Star (Value)

3.10
★ ★ ★ ★ ★
ILM Rating
3.69
Claims Experience
2.2
Customer Service
4.19
Product Benefits
4.2
Insurer's Legacy
Economical

Care Insurance Care Freedom (Plan 1)

2.80
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
4.49
Customer Service
2.24
Product Benefits
1
Insurer's Legacy
Economical

SBI General Health Edge

3.59
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
4.81
Customer Service
3.05
Product Benefits
1.6
Insurer's Legacy
Fair

Royal Sundaram Multiplier

4.22
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
3.17
Customer Service
4.04
Product Benefits
1.8
Insurer's Legacy
Economical

Care Insurance Care

3.12
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
4.49
Customer Service
3.05
Product Benefits
4.6
Insurer's Legacy
Expensive

Niva Bupa ReAssure 2.0 (Gold)

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
5
Product Benefits
3.2
Insurer's Legacy
Fair

Niva Bupa ReAssure 3.0 (Elite) + Key Add-ons

3.63
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.46
Product Benefits
2.8
Insurer's Legacy
Fair

Niva Bupa Aspire (Titanium+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
5
Product Benefits
2.2
Insurer's Legacy
Fair

Niva Bupa ReAssure 2.0 (Bronze)

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.99
Product Benefits
4.1
Insurer's Legacy
Fair

Star Health Super Star (Essential Value)

3.04
★ ★ ★ ★ ★
ILM Rating
3.69
Claims Experience
2.2
Customer Service
4.05
Product Benefits
4
Insurer's Legacy
Economical

Niva Bupa Aspire (Platinum+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
5
Product Benefits
3.8
Insurer's Legacy
Fair

Star Health Super Star (Essential)

3.11
★ ★ ★ ★ ★
ILM Rating
3.69
Claims Experience
2.2
Customer Service
4.24
Product Benefits
3.8
Insurer's Legacy
Economical

Bajaj General Health Guard (Platinum)

4.00
★ ★ ★ ★ ★
ILM Rating
5
Claims Experience
4.69
Customer Service
3.08
Product Benefits
3.6
Insurer's Legacy
Fair

Manipal Cigna ProHealth Prime (Advantage) + Key Add-ons

3.70
★ ★ ★ ★ ★
ILM Rating
4.42
Claims Experience
3.16
Customer Service
4.16
Product Benefits
2.6
Insurer's Legacy
Expensive

SBI General Super Health (Prime)

4.17
★ ★ ★ ★ ★
ILM Rating
4.61
Claims Experience
4.81
Customer Service
4.5
Product Benefits
1.2
Insurer's Legacy
Fair

Niva Bupa ReAssure 2.0 (Platinum+)

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.99
Product Benefits
3.3
Insurer's Legacy
Fair

Niva Bupa ReAssure 3.0 (Classic) + Key Add-ons

3.36
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
3.76
Product Benefits
2.6
Insurer's Legacy
Economical

Niva Bupa Health Companion + Key Add-ons

3.76
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.77
Product Benefits
1.6
Insurer's Legacy
Expensive

Manipal Cigna ProHealth Prime (Protect)

3.68
★ ★ ★ ★ ★
ILM Rating
4.42
Claims Experience
3.16
Customer Service
4.12
Product Benefits
3.3
Insurer's Legacy
Fair

Flexi Health Supreme (Plus)

4.26
★ ★ ★ ★ ★
ILM Rating
4.16
Claims Experience
4.39
Customer Service
3.83
Product Benefits
4.7
Insurer's Legacy
Economical

Niva Bupa ReAssure 2.0 (Bronze+)

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.99
Product Benefits
3.3
Insurer's Legacy
Fair

Aditya Birla Activ One (VYTL)

4.29
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.93
Customer Service
4.93
Product Benefits
2
Insurer's Legacy
Fair

Aditya Birla Activ One (NXT) + Key Add-ons

4.29
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.93
Customer Service
4.93
Product Benefits
4
Insurer's Legacy
Economical

Niva Bupa Aspire (Diamond+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
4.99
Product Benefits
1.5
Insurer's Legacy
Fair

Aditya Birla Activ Fit (Preferred)

4.20
★ ★ ★ ★ ★
ILM Rating
4.98
Claims Experience
3.93
Customer Service
4.71
Product Benefits
4.7
Insurer's Legacy
Fair

ManipalCigna Sarvah (Uttam) + Key Add-ons

3.79
★ ★ ★ ★ ★
ILM Rating
4.42
Claims Experience
3.16
Customer Service
4.4
Product Benefits
1.8
Insurer's Legacy
Fair

Niva Bupa GoActive

3.38
★ ★ ★ ★ ★
ILM Rating
4.01
Claims Experience
3.22
Customer Service
3.84
Product Benefits
3
Insurer's Legacy
Fair

Explore the Best Health Insurance Plans of 2026

Independent, data-driven ratings across 100+ parameters covering claims, customer service, product benefits, and insurer's legacy.

heart-whiteExplore Health Ratings

Niva Bupa GoActive

3.38
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
3.84
Product
3
Legacy

ICICI Lombard Elevate + Key Add-ons

4.10
★ ★ ★ ★ ★
ILM Rating
3.84
Claims
4.24
Customer
4.37
Product
4.6
Legacy

Go Digit Worldwide Treatment

3.98
★ ★ ★ ★ ★
ILM Rating
4.6
Claims
4.81
Customer
3.98
Product
2.6
Legacy

HDFC Ergo Optima Secure+ + Key Add-ons

4.41
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.29
Customer
4.9
Product
1.4
Legacy

Niva Bupa ReAssure 3.0 (Black) + Key Add-ons

3.67
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.56
Product
4.6
Legacy

New India Yuva Bharat (Base) + Key Add-ons

3.57
★ ★ ★ ★ ★
ILM Rating
3.74
Claims
5
Customer
2.44
Product
1.7
Legacy

Universal Sompo A Plus Health Insurance (Diamond)

3.82
★ ★ ★ ★ ★
ILM Rating
4.03
Claims
4.12
Customer
3.76
Product
4.1
Legacy

ICICI Lombard Elevate (Value) + Key Add-ons

3.89
★ ★ ★ ★ ★
ILM Rating
3.84
Claims
4.24
Customer
3.87
Product
3.7
Legacy

Aditya Birla Activ One (MAX)

4.29
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.93
Customer
5
Product
4.8
Legacy

Chola MS Flexi Health

4.08
★ ★ ★ ★ ★
ILM Rating
4.16
Claims
4.39
Customer
3.38
Product
2.2
Legacy

Go Digit Double Wallet

3.92
★ ★ ★ ★ ★
ILM Rating
4.6
Claims
4.81
Customer
3.83
Product
3.3
Legacy

IndusInd General Health Infinity + Key Add-ons

4.26
★ ★ ★ ★ ★
ILM Rating
3.75
Claims
3.23
Customer
4.66
Product
4.8
Legacy

Bajaj General Health Guard (Gold)

4.00
★ ★ ★ ★ ★
ILM Rating
5
Claims
4.69
Customer
3.08
Product
3.4
Legacy

New India Yuva Bharat (Platinum) + Key Add-ons

3.64
★ ★ ★ ★ ★
ILM Rating
3.74
Claims
5
Customer
2.62
Product
3.2
Legacy

United India Yuvaan Health Insurance

3.32
★ ★ ★ ★ ★
ILM Rating
3.8
Claims
1.62
Customer
2.85
Product
3.7
Legacy

Oriental Youth Eco Care (Basic)

2.39
★ ★ ★ ★ ★
ILM Rating
2.33
Claims
0.75
Customer
1.63
Product
4.8
Legacy

Niva Bupa Aspire (Gold+ Value)

3.63
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.44
Product
2.9
Legacy

Chola MS - Heathline (Privilege)

3.85
★ ★ ★ ★ ★
ILM Rating
4.16
Claims
4.39
Customer
2.81
Product
2.9
Legacy

HDFC Ergo Optima Secure + Key Add-ons

4.39
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.29
Customer
4.86
Product
1.4
Legacy

ManipalCigna Sarvah (Param) + Key Add-ons

3.91
★ ★ ★ ★ ★
ILM Rating
4.42
Claims
3.16
Customer
4.69
Product
2.5
Legacy

Niva Bupa ReAssure 3.0 (Select) + Key Add-ons

3.38
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
3.83
Product
3.8
Legacy

Universal Sompo A Plus Health Insurance (Gold)

3.80
★ ★ ★ ★ ★
ILM Rating
4.03
Claims
4.12
Customer
3.71
Product
1.2
Legacy

Zuno Health Insurance (Gold)

3.03
★ ★ ★ ★ ★
ILM Rating
3.87
Claims
2.26
Customer
3.16
Product
3.7
Legacy

Care Insurance Care Plus

3.38
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
4.49
Customer
3.69
Product
3.6
Legacy

United India Family Medicare

3.22
★ ★ ★ ★ ★
ILM Rating
3.8
Claims
1.62
Customer
2.59
Product
5
Legacy

Bajaj General My Health Care (Plan 1) + Key Add-ons

4.26
★ ★ ★ ★ ★
ILM Rating
5
Claims
4.69
Customer
3.72
Product
2.6
Legacy

Care Insurance Care Supreme (Value) + Key Add-ons

3.56
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
4.49
Customer
4.14
Product
3
Legacy

Chola MS - Heathline (Enrich)

3.86
★ ★ ★ ★ ★
ILM Rating
4.16
Claims
4.39
Customer
2.83
Product
4.3
Legacy

ICICI Lombard Health AdvantEdge

3.93
★ ★ ★ ★ ★
ILM Rating
3.84
Claims
4.24
Customer
3.95
Product
3.7
Legacy

Oriental Youth Eco Care (Premium)

2.39
★ ★ ★ ★ ★
ILM Rating
2.33
Claims
0.75
Customer
1.63
Product
3.1
Legacy

Aditya Birla Activ One (Economy) + Key Add-ons

4.13
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.93
Customer
4.54
Product
1.6
Legacy

Star Health Comprehensive

3.04
★ ★ ★ ★ ★
ILM Rating
3.69
Claims
2.2
Customer
4.05
Product
3
Legacy

Care Insurance Care Supreme (Vikas) + Key Add-ons

3.41
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
4.49
Customer
3.76
Product
2.7
Legacy

Aditya Birla Activ One (Smart) + Key Add-ons

4.07
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.93
Customer
4.39
Product
2.6
Legacy

Niva Bupa ReAssure 2.0 (Titanium+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
5
Product
2.8
Legacy

IndusInd General Health Gain (Power) + Key Add-ons

3.75
★ ★ ★ ★ ★
ILM Rating
3.75
Claims
3.23
Customer
3.38
Product
2.7
Legacy

Aditya Birla Activ Health Platinum (Enhanced)

3.94
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.93
Customer
4.08
Product
4.1
Legacy

Care Insurance Ultimate Care + Key Add-ons

3.74
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
4.49
Customer
4.59
Product
3.9
Legacy

Star Health Super Star (Max)

3.10
★ ★ ★ ★ ★
ILM Rating
3.69
Claims
2.2
Customer
4.19
Product
3.4
Legacy

Star Health Super Star + Key Add-ons

3.39
★ ★ ★ ★ ★
ILM Rating
3.69
Claims
2.2
Customer
4.93
Product
3.5
Legacy

Star Health Super Star (Secure) + Key Add-ons

3.37
★ ★ ★ ★ ★
ILM Rating
3.69
Claims
2.2
Customer
4.89
Product
1.9
Legacy

Star Health Assure

3.17
★ ★ ★ ★ ★
ILM Rating
3.69
Claims
2.2
Customer
4.37
Product
1.3
Legacy

Tata AIG MediCare Premier + Key Add-ons

4.28
★ ★ ★ ★ ★
ILM Rating
3.88
Claims
4.25
Customer
4.08
Product
5
Legacy

Star Health Super Star (Preferred) + Key Add-ons

3.37
★ ★ ★ ★ ★
ILM Rating
3.69
Claims
2.2
Customer
4.88
Product
4.3
Legacy

New India Yuva Bharat (Gold) + Key Add-ons

3.64
★ ★ ★ ★ ★
ILM Rating
3.74
Claims
5
Customer
2.62
Product
3.5
Legacy

Care Insurance Care Supreme + Key Add-ons

3.68
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
4.49
Customer
4.45
Product
1.6
Legacy

Tata AIG MediCare Select + Key Add-ons

4.28
★ ★ ★ ★ ★
ILM Rating
3.88
Claims
4.25
Customer
4.07
Product
2.5
Legacy

Aditya Birla Activ Fit (Plus)

4.20
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.93
Customer
4.71
Product
2.9
Legacy

Universal Sompo A Plus Health Insurance (Silver)

3.78
★ ★ ★ ★ ★
ILM Rating
4.03
Claims
4.12
Customer
3.66
Product
2.6
Legacy

Niva Bupa Rise

3.51
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.15
Product
4.5
Legacy

Niva Bupa ReAssure 2.0 (Bronze+ Value)

3.63
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.44
Product
2.2
Legacy

Niva Bupa Aspire (Gold+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.99
Product
3.8
Legacy

Go Digit Infinity Wallet + Key Add-ons

4.00
★ ★ ★ ★ ★
ILM Rating
4.6
Claims
4.81
Customer
4.01
Product
4.4
Legacy

Star Health Super Star (Value)

3.10
★ ★ ★ ★ ★
ILM Rating
3.69
Claims
2.2
Customer
4.19
Product
4.2
Legacy

Care Insurance Care Freedom (Plan 1)

2.80
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
4.49
Customer
2.24
Product
1
Legacy

SBI General Health Edge

3.59
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
4.81
Customer
3.05
Product
1.6
Legacy

Royal Sundaram Multiplier

4.22
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
3.17
Customer
4.04
Product
1.8
Legacy

Care Insurance Care

3.12
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
4.49
Customer
3.05
Product
4.6
Legacy

Niva Bupa ReAssure 2.0 (Gold)

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
5
Product
3.2
Legacy

Niva Bupa ReAssure 3.0 (Elite) + Key Add-ons

3.63
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.46
Product
2.8
Legacy

Niva Bupa Aspire (Titanium+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
5
Product
2.2
Legacy

Niva Bupa ReAssure 2.0 (Bronze)

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.99
Product
4.1
Legacy

Star Health Super Star (Essential Value)

3.04
★ ★ ★ ★ ★
ILM Rating
3.69
Claims
2.2
Customer
4.05
Product
4
Legacy

Niva Bupa Aspire (Platinum+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
5
Product
3.8
Legacy

Star Health Super Star (Essential)

3.11
★ ★ ★ ★ ★
ILM Rating
3.69
Claims
2.2
Customer
4.24
Product
3.8
Legacy

Bajaj General Health Guard (Platinum)

4.00
★ ★ ★ ★ ★
ILM Rating
5
Claims
4.69
Customer
3.08
Product
3.6
Legacy

Manipal Cigna ProHealth Prime (Advantage) + Key Add-ons

3.70
★ ★ ★ ★ ★
ILM Rating
4.42
Claims
3.16
Customer
4.16
Product
2.6
Legacy

SBI General Super Health (Prime)

4.17
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
4.81
Customer
4.5
Product
1.2
Legacy

Niva Bupa ReAssure 2.0 (Platinum+)

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.99
Product
3.3
Legacy

Niva Bupa ReAssure 3.0 (Classic) + Key Add-ons

3.36
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
3.76
Product
2.6
Legacy

Niva Bupa Health Companion + Key Add-ons

3.76
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.77
Product
1.6
Legacy

Manipal Cigna ProHealth Prime (Protect)

3.68
★ ★ ★ ★ ★
ILM Rating
4.42
Claims
3.16
Customer
4.12
Product
3.3
Legacy

Flexi Health Supreme (Plus)

4.26
★ ★ ★ ★ ★
ILM Rating
4.16
Claims
4.39
Customer
3.83
Product
4.7
Legacy

Niva Bupa ReAssure 2.0 (Bronze+)

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.99
Product
3.3
Legacy

Aditya Birla Activ One (VYTL)

4.29
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.93
Customer
4.93
Product
2
Legacy

Aditya Birla Activ One (NXT) + Key Add-ons

4.29
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.93
Customer
4.93
Product
4
Legacy

Niva Bupa Aspire (Diamond+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.99
Product
1.5
Legacy

Aditya Birla Activ Fit (Preferred)

4.20
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.93
Customer
4.71
Product
4.7
Legacy

ManipalCigna Sarvah (Uttam) + Key Add-ons

3.79
★ ★ ★ ★ ★
ILM Rating
4.42
Claims
3.16
Customer
4.4
Product
1.8
Legacy

Niva Bupa GoActive

3.38
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
3.84
Product
3
Legacy

Explore the Best Health Insurance Plans of 2026

Independent, data-driven ratings across 100+ parameters covering claims, customer service, product benefits, and insurer's legacy.

Niva Bupa GoActive

3.38
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
3.84
Product
3
Legacy

ICICI Lombard Elevate + Key Add-ons

4.10
★ ★ ★ ★ ★
ILM Rating
3.84
Claims
4.24
Customer
4.37
Product
4.6
Legacy

Go Digit Worldwide Treatment

3.98
★ ★ ★ ★ ★
ILM Rating
4.6
Claims
4.81
Customer
3.98
Product
2.6
Legacy

HDFC Ergo Optima Secure+ + Key Add-ons

4.41
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.29
Customer
4.9
Product
1.4
Legacy

Niva Bupa ReAssure 3.0 (Black) + Key Add-ons

3.67
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.56
Product
4.6
Legacy

New India Yuva Bharat (Base) + Key Add-ons

3.57
★ ★ ★ ★ ★
ILM Rating
3.74
Claims
5
Customer
2.44
Product
1.7
Legacy

Universal Sompo A Plus Health Insurance (Diamond)

3.82
★ ★ ★ ★ ★
ILM Rating
4.03
Claims
4.12
Customer
3.76
Product
4.1
Legacy

ICICI Lombard Elevate (Value) + Key Add-ons

3.89
★ ★ ★ ★ ★
ILM Rating
3.84
Claims
4.24
Customer
3.87
Product
3.7
Legacy

Aditya Birla Activ One (MAX)

4.29
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.93
Customer
5
Product
4.8
Legacy

Chola MS Flexi Health

4.08
★ ★ ★ ★ ★
ILM Rating
4.16
Claims
4.39
Customer
3.38
Product
2.2
Legacy

Go Digit Double Wallet

3.92
★ ★ ★ ★ ★
ILM Rating
4.6
Claims
4.81
Customer
3.83
Product
3.3
Legacy

IndusInd General Health Infinity + Key Add-ons

4.26
★ ★ ★ ★ ★
ILM Rating
3.75
Claims
3.23
Customer
4.66
Product
4.8
Legacy

Bajaj General Health Guard (Gold)

4.00
★ ★ ★ ★ ★
ILM Rating
5
Claims
4.69
Customer
3.08
Product
3.4
Legacy

New India Yuva Bharat (Platinum) + Key Add-ons

3.64
★ ★ ★ ★ ★
ILM Rating
3.74
Claims
5
Customer
2.62
Product
3.2
Legacy

United India Yuvaan Health Insurance

3.32
★ ★ ★ ★ ★
ILM Rating
3.8
Claims
1.62
Customer
2.85
Product
3.7
Legacy

Oriental Youth Eco Care (Basic)

2.39
★ ★ ★ ★ ★
ILM Rating
2.33
Claims
0.75
Customer
1.63
Product
4.8
Legacy

Niva Bupa Aspire (Gold+ Value)

3.63
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.44
Product
2.9
Legacy

Chola MS - Heathline (Privilege)

3.85
★ ★ ★ ★ ★
ILM Rating
4.16
Claims
4.39
Customer
2.81
Product
2.9
Legacy

HDFC Ergo Optima Secure + Key Add-ons

4.39
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.29
Customer
4.86
Product
1.4
Legacy

ManipalCigna Sarvah (Param) + Key Add-ons

3.91
★ ★ ★ ★ ★
ILM Rating
4.42
Claims
3.16
Customer
4.69
Product
2.5
Legacy

Niva Bupa ReAssure 3.0 (Select) + Key Add-ons

3.38
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
3.83
Product
3.8
Legacy

Universal Sompo A Plus Health Insurance (Gold)

3.80
★ ★ ★ ★ ★
ILM Rating
4.03
Claims
4.12
Customer
3.71
Product
1.2
Legacy

Zuno Health Insurance (Gold)

3.03
★ ★ ★ ★ ★
ILM Rating
3.87
Claims
2.26
Customer
3.16
Product
3.7
Legacy

Care Insurance Care Plus

3.38
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
4.49
Customer
3.69
Product
3.6
Legacy

United India Family Medicare

3.22
★ ★ ★ ★ ★
ILM Rating
3.8
Claims
1.62
Customer
2.59
Product
5
Legacy

Bajaj General My Health Care (Plan 1) + Key Add-ons

4.26
★ ★ ★ ★ ★
ILM Rating
5
Claims
4.69
Customer
3.72
Product
2.6
Legacy

Care Insurance Care Supreme (Value) + Key Add-ons

3.56
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
4.49
Customer
4.14
Product
3
Legacy

Chola MS - Heathline (Enrich)

3.86
★ ★ ★ ★ ★
ILM Rating
4.16
Claims
4.39
Customer
2.83
Product
4.3
Legacy

ICICI Lombard Health AdvantEdge

3.93
★ ★ ★ ★ ★
ILM Rating
3.84
Claims
4.24
Customer
3.95
Product
3.7
Legacy

Oriental Youth Eco Care (Premium)

2.39
★ ★ ★ ★ ★
ILM Rating
2.33
Claims
0.75
Customer
1.63
Product
3.1
Legacy

Aditya Birla Activ One (Economy) + Key Add-ons

4.13
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.93
Customer
4.54
Product
1.6
Legacy

Star Health Comprehensive

3.04
★ ★ ★ ★ ★
ILM Rating
3.69
Claims
2.2
Customer
4.05
Product
3
Legacy

Care Insurance Care Supreme (Vikas) + Key Add-ons

3.41
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
4.49
Customer
3.76
Product
2.7
Legacy

Aditya Birla Activ One (Smart) + Key Add-ons

4.07
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.93
Customer
4.39
Product
2.6
Legacy

Niva Bupa ReAssure 2.0 (Titanium+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
5
Product
2.8
Legacy

IndusInd General Health Gain (Power) + Key Add-ons

3.75
★ ★ ★ ★ ★
ILM Rating
3.75
Claims
3.23
Customer
3.38
Product
2.7
Legacy

Aditya Birla Activ Health Platinum (Enhanced)

3.94
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.93
Customer
4.08
Product
4.1
Legacy

Care Insurance Ultimate Care + Key Add-ons

3.74
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
4.49
Customer
4.59
Product
3.9
Legacy

Star Health Super Star (Max)

3.10
★ ★ ★ ★ ★
ILM Rating
3.69
Claims
2.2
Customer
4.19
Product
3.4
Legacy

Star Health Super Star + Key Add-ons

3.39
★ ★ ★ ★ ★
ILM Rating
3.69
Claims
2.2
Customer
4.93
Product
3.5
Legacy

Star Health Super Star (Secure) + Key Add-ons

3.37
★ ★ ★ ★ ★
ILM Rating
3.69
Claims
2.2
Customer
4.89
Product
1.9
Legacy

Star Health Assure

3.17
★ ★ ★ ★ ★
ILM Rating
3.69
Claims
2.2
Customer
4.37
Product
1.3
Legacy

Tata AIG MediCare Premier + Key Add-ons

4.28
★ ★ ★ ★ ★
ILM Rating
3.88
Claims
4.25
Customer
4.08
Product
5
Legacy

Star Health Super Star (Preferred) + Key Add-ons

3.37
★ ★ ★ ★ ★
ILM Rating
3.69
Claims
2.2
Customer
4.88
Product
4.3
Legacy

New India Yuva Bharat (Gold) + Key Add-ons

3.64
★ ★ ★ ★ ★
ILM Rating
3.74
Claims
5
Customer
2.62
Product
3.5
Legacy

Care Insurance Care Supreme + Key Add-ons

3.68
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
4.49
Customer
4.45
Product
1.6
Legacy

Tata AIG MediCare Select + Key Add-ons

4.28
★ ★ ★ ★ ★
ILM Rating
3.88
Claims
4.25
Customer
4.07
Product
2.5
Legacy

Aditya Birla Activ Fit (Plus)

4.20
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.93
Customer
4.71
Product
2.9
Legacy

Universal Sompo A Plus Health Insurance (Silver)

3.78
★ ★ ★ ★ ★
ILM Rating
4.03
Claims
4.12
Customer
3.66
Product
2.6
Legacy

Niva Bupa Rise

3.51
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.15
Product
4.5
Legacy

Niva Bupa ReAssure 2.0 (Bronze+ Value)

3.63
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.44
Product
2.2
Legacy

Niva Bupa Aspire (Gold+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.99
Product
3.8
Legacy

Go Digit Infinity Wallet + Key Add-ons

4.00
★ ★ ★ ★ ★
ILM Rating
4.6
Claims
4.81
Customer
4.01
Product
4.4
Legacy

Star Health Super Star (Value)

3.10
★ ★ ★ ★ ★
ILM Rating
3.69
Claims
2.2
Customer
4.19
Product
4.2
Legacy

Care Insurance Care Freedom (Plan 1)

2.80
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
4.49
Customer
2.24
Product
1
Legacy

SBI General Health Edge

3.59
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
4.81
Customer
3.05
Product
1.6
Legacy

Royal Sundaram Multiplier

4.22
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
3.17
Customer
4.04
Product
1.8
Legacy

Care Insurance Care

3.12
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
4.49
Customer
3.05
Product
4.6
Legacy

Niva Bupa ReAssure 2.0 (Gold)

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
5
Product
3.2
Legacy

Niva Bupa ReAssure 3.0 (Elite) + Key Add-ons

3.63
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.46
Product
2.8
Legacy

Niva Bupa Aspire (Titanium+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
5
Product
2.2
Legacy

Niva Bupa ReAssure 2.0 (Bronze)

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.99
Product
4.1
Legacy

Star Health Super Star (Essential Value)

3.04
★ ★ ★ ★ ★
ILM Rating
3.69
Claims
2.2
Customer
4.05
Product
4
Legacy

Niva Bupa Aspire (Platinum+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
5
Product
3.8
Legacy

Star Health Super Star (Essential)

3.11
★ ★ ★ ★ ★
ILM Rating
3.69
Claims
2.2
Customer
4.24
Product
3.8
Legacy

Bajaj General Health Guard (Platinum)

4.00
★ ★ ★ ★ ★
ILM Rating
5
Claims
4.69
Customer
3.08
Product
3.6
Legacy

Manipal Cigna ProHealth Prime (Advantage) + Key Add-ons

3.70
★ ★ ★ ★ ★
ILM Rating
4.42
Claims
3.16
Customer
4.16
Product
2.6
Legacy

SBI General Super Health (Prime)

4.17
★ ★ ★ ★ ★
ILM Rating
4.61
Claims
4.81
Customer
4.5
Product
1.2
Legacy

Niva Bupa ReAssure 2.0 (Platinum+)

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.99
Product
3.3
Legacy

Niva Bupa ReAssure 3.0 (Classic) + Key Add-ons

3.36
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
3.76
Product
2.6
Legacy

Niva Bupa Health Companion + Key Add-ons

3.76
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.77
Product
1.6
Legacy

Manipal Cigna ProHealth Prime (Protect)

3.68
★ ★ ★ ★ ★
ILM Rating
4.42
Claims
3.16
Customer
4.12
Product
3.3
Legacy

Flexi Health Supreme (Plus)

4.26
★ ★ ★ ★ ★
ILM Rating
4.16
Claims
4.39
Customer
3.83
Product
4.7
Legacy

Niva Bupa ReAssure 2.0 (Bronze+)

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.99
Product
3.3
Legacy

Aditya Birla Activ One (VYTL)

4.29
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.93
Customer
4.93
Product
2
Legacy

Aditya Birla Activ One (NXT) + Key Add-ons

4.29
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.93
Customer
4.93
Product
4
Legacy

Niva Bupa Aspire (Diamond+) + Key Add-ons

3.85
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
4.99
Product
1.5
Legacy

Aditya Birla Activ Fit (Preferred)

4.20
★ ★ ★ ★ ★
ILM Rating
4.98
Claims
3.93
Customer
4.71
Product
4.7
Legacy

ManipalCigna Sarvah (Uttam) + Key Add-ons

3.79
★ ★ ★ ★ ★
ILM Rating
4.42
Claims
3.16
Customer
4.4
Product
1.8
Legacy

Niva Bupa GoActive

3.38
★ ★ ★ ★ ★
ILM Rating
4.01
Claims
3.22
Customer
3.84
Product
3
Legacy
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Bajaj Life eTouch II

4.00
★ ★ ★ ★ ★
ILM Rating
4.1
Claims Experience
5
Customer Service
3.5
Product Benefits
4
Insurer's Legacy
Economical

Bandhan Life iTerm Comfort

2.60
★ ★ ★ ★ ★
ILM Rating
3.1
Claims Experience
3.05
Customer Service
1.9
Product Benefits
4.9
Insurer's Legacy
Fair

TATA AIA Maha Raksha Supreme Select

3.90
★ ★ ★ ★ ★
ILM Rating
5
Claims Experience
4.57
Customer Service
2.4
Product Benefits
2.9
Insurer's Legacy
Fair

Go Digit Glow Plus Term Life

0.80
★ ★ ★ ★ ★
ILM Rating
0.5
Claims Experience
2.2
Customer Service
0.9
Product Benefits
1
Insurer's Legacy
Economical

LIC Digi Term

3.40
★ ★ ★ ★ ★
ILM Rating
4.4
Claims Experience
4.45
Customer Service
1.9
Product Benefits
3.7
Insurer's Legacy
Economical

ICICI Pru iProtect Smart Plus

4.90
★ ★ ★ ★ ★
ILM Rating
4.9
Claims Experience
4.7
Customer Service
5
Product Benefits
1.2
Insurer's Legacy
Economical

Ageas Federal Life Insurance iSecure

2.50
★ ★ ★ ★ ★
ILM Rating
3.4
Claims Experience
3.17
Customer Service
1.3
Product Benefits
2.8
Insurer's Legacy
Economical

PNB Metlife Mera Term Plan Plus

3.20
★ ★ ★ ★ ★
ILM Rating
4.1
Claims Experience
3.6
Customer Service
2.1
Product Benefits
2
Insurer's Legacy
Economical

Aditya Birla Sun Life DigiShield

3.50
★ ★ ★ ★ ★
ILM Rating
4.4
Claims Experience
5
Customer Service
2.1
Product Benefits
2.6
Insurer's Legacy
Economical

Go Digit Glow Term Life

0.80
★ ★ ★ ★ ★
ILM Rating
0.5
Claims Experience
2.2
Customer Service
0.9
Product Benefits
1.5
Insurer's Legacy
Economical

IndiaFirst Life Plan

2.40
★ ★ ★ ★ ★
ILM Rating
3.5
Claims Experience
3.78
Customer Service
0.8
Product Benefits
3.4
Insurer's Legacy
Economical

Aditya Birla Sun Life Super Term Plan

4.70
★ ★ ★ ★ ★
ILM Rating
4.4
Claims Experience
5
Customer Service
5
Product Benefits
4.3
Insurer's Legacy
Economical

Kotak Life Signature Term Plan

3.60
★ ★ ★ ★ ★
ILM Rating
4.5
Claims Experience
4.45
Customer Service
2.3
Product Benefits
2.6
Insurer's Legacy
Fair

Acko Life Flexi Term Plan

1.50
★ ★ ★ ★ ★
ILM Rating
1.7
Claims Experience
1.4
Customer Service
1.2
Product Benefits
1.3
Insurer's Legacy
Economical

Edelweiss Life Zindagi Protect Plus

3.10
★ ★ ★ ★ ★
ILM Rating
3.6
Claims Experience
1.46
Customer Service
2.8
Product Benefits
3.3
Insurer's Legacy
Economical

LIC Bima Kavach

3.50
★ ★ ★ ★ ★
ILM Rating
4.4
Claims Experience
4.45
Customer Service
2.1
Product Benefits
2.4
Insurer's Legacy
Expensive

ICICI Pru iProtect Super

3.80
★ ★ ★ ★ ★
ILM Rating
4.9
Claims Experience
4.7
Customer Service
2.3
Product Benefits
2.4
Insurer's Legacy
Economical

Kotak Gen2Gen Protect

3.20
★ ★ ★ ★ ★
ILM Rating
4.5
Claims Experience
4.45
Customer Service
1.3
Product Benefits
4.6
Insurer's Legacy
Expensive

TATA AIA Sampoorna Raksha Promise

3.90
★ ★ ★ ★ ★
ILM Rating
5
Claims Experience
4.57
Customer Service
2.3
Product Benefits
4.9
Insurer's Legacy
Economical

LIC Digi Credit Life

3.00
★ ★ ★ ★ ★
ILM Rating
4.4
Claims Experience
4.45
Customer Service
0.8
Product Benefits
1.4
Insurer's Legacy
Economical

IndiaFirst Life Elite Term

2.50
★ ★ ★ ★ ★
ILM Rating
3.5
Claims Experience
3.78
Customer Service
0.9
Product Benefits
3.9
Insurer's Legacy
Economical

SBI Life Smart Shield Premier

3.90
★ ★ ★ ★ ★
ILM Rating
4.2
Claims Experience
4.76
Customer Service
3.2
Product Benefits
1.8
Insurer's Legacy
Fair

Axis Max Life Smart Term Plan Plus

4.10
★ ★ ★ ★ ★
ILM Rating
4.5
Claims Experience
4.7
Customer Service
3.4
Product Benefits
2
Insurer's Legacy
Economical

PNB MetLife DigiProtect Term Plan

3.30
★ ★ ★ ★ ★
ILM Rating
4.1
Claims Experience
3.6
Customer Service
2.3
Product Benefits
3.6
Insurer's Legacy
Economical

Aditya Birla Sun Life Income Suraksha

3.70
★ ★ ★ ★ ★
ILM Rating
4.4
Claims Experience
5
Customer Service
2.4
Product Benefits
3.5
Insurer's Legacy
Fair

LIC New Tech Term

3.40
★ ★ ★ ★ ★
ILM Rating
4.4
Claims Experience
4.45
Customer Service
1.8
Product Benefits
4.8
Insurer's Legacy
Economical

Canara HSBC Young Term Plan

4.40
★ ★ ★ ★ ★
ILM Rating
4.1
Claims Experience
4.21
Customer Service
4.8
Product Benefits
1.5
Insurer's Legacy
Economical

HDFC Life Click 2 Protect Elite Plus

3.70
★ ★ ★ ★ ★
ILM Rating
4.4
Claims Experience
4.88
Customer Service
2.6
Product Benefits
2.6
Insurer's Legacy
Fair

Canara HSBC iSelect Smart360

4.40
★ ★ ★ ★ ★
ILM Rating
4.1
Claims Experience
4.21
Customer Service
4.9
Product Benefits
4.3
Insurer's Legacy
Economical

SBI Life Smart Shield Plus

3.90
★ ★ ★ ★ ★
ILM Rating
4.2
Claims Experience
4.76
Customer Service
3.2
Product Benefits
4.7
Insurer's Legacy
Economical

Bandhan Life iTerm Prime

2.70
★ ★ ★ ★ ★
ILM Rating
3.1
Claims Experience
3.05
Customer Service
2.1
Product Benefits
3.9
Insurer's Legacy
Economical

Aditya Birla Sun Life Salaried Term Plan

3.80
★ ★ ★ ★ ★
ILM Rating
4.4
Claims Experience
5
Customer Service
2.8
Product Benefits
2.4
Insurer's Legacy
Economical

IndusInd Nippon Super Suraksha Elite

3.20
★ ★ ★ ★ ★
ILM Rating
4.2
Claims Experience
3.35
Customer Service
1.8
Product Benefits
1.6
Insurer's Legacy
Economical

Bajaj Life eTouch II

4.00
★ ★ ★ ★ ★
ILM Rating
4.1
Claims Experience
5
Customer Service
3.5
Product Benefits
4
Insurer's Legacy
Economical

Bandhan Life iTerm Comfort

2.60
★ ★ ★ ★ ★
ILM Rating
3.1
Claims Experience
3.05
Customer Service
1.9
Product Benefits
4.9
Insurer's Legacy
Fair

TATA AIA Maha Raksha Supreme Select

3.90
★ ★ ★ ★ ★
ILM Rating
5
Claims Experience
4.57
Customer Service
2.4
Product Benefits
2.9
Insurer's Legacy
Fair

Go Digit Glow Plus Term Life

0.80
★ ★ ★ ★ ★
ILM Rating
0.5
Claims Experience
2.2
Customer Service
0.9
Product Benefits
1
Insurer's Legacy
Economical

LIC Digi Term

3.40
★ ★ ★ ★ ★
ILM Rating
4.4
Claims Experience
4.45
Customer Service
1.9
Product Benefits
3.7
Insurer's Legacy
Economical

ICICI Pru iProtect Smart Plus

4.90
★ ★ ★ ★ ★
ILM Rating
4.9
Claims Experience
4.7
Customer Service
5
Product Benefits
1.2
Insurer's Legacy
Economical

Ageas Federal Life Insurance iSecure

2.50
★ ★ ★ ★ ★
ILM Rating
3.4
Claims Experience
3.17
Customer Service
1.3
Product Benefits
2.8
Insurer's Legacy
Economical

PNB Metlife Mera Term Plan Plus

3.20
★ ★ ★ ★ ★
ILM Rating
4.1
Claims Experience
3.6
Customer Service
2.1
Product Benefits
2
Insurer's Legacy
Economical

Aditya Birla Sun Life DigiShield

3.50
★ ★ ★ ★ ★
ILM Rating
4.4
Claims Experience
5
Customer Service
2.1
Product Benefits
2.6
Insurer's Legacy
Economical

Go Digit Glow Term Life

0.80
★ ★ ★ ★ ★
ILM Rating
0.5
Claims Experience
2.2
Customer Service
0.9
Product Benefits
1.5
Insurer's Legacy
Economical

IndiaFirst Life Plan

2.40
★ ★ ★ ★ ★
ILM Rating
3.5
Claims Experience
3.78
Customer Service
0.8
Product Benefits
3.4
Insurer's Legacy
Economical

Aditya Birla Sun Life Super Term Plan

4.70
★ ★ ★ ★ ★
ILM Rating
4.4
Claims Experience
5
Customer Service
5
Product Benefits
4.3
Insurer's Legacy
Economical

Kotak Life Signature Term Plan

3.60
★ ★ ★ ★ ★
ILM Rating
4.5
Claims Experience
4.45
Customer Service
2.3
Product Benefits
2.6
Insurer's Legacy
Fair

Acko Life Flexi Term Plan

1.50
★ ★ ★ ★ ★
ILM Rating
1.7
Claims Experience
1.4
Customer Service
1.2
Product Benefits
1.3
Insurer's Legacy
Economical

Edelweiss Life Zindagi Protect Plus

3.10
★ ★ ★ ★ ★
ILM Rating
3.6
Claims Experience
1.46
Customer Service
2.8
Product Benefits
3.3
Insurer's Legacy
Economical

LIC Bima Kavach

3.50
★ ★ ★ ★ ★
ILM Rating
4.4
Claims Experience
4.45
Customer Service
2.1
Product Benefits
2.4
Insurer's Legacy
Expensive

ICICI Pru iProtect Super

3.80
★ ★ ★ ★ ★
ILM Rating
4.9
Claims Experience
4.7
Customer Service
2.3
Product Benefits
2.4
Insurer's Legacy
Economical

Kotak Gen2Gen Protect

3.20
★ ★ ★ ★ ★
ILM Rating
4.5
Claims Experience
4.45
Customer Service
1.3
Product Benefits
4.6
Insurer's Legacy
Expensive

TATA AIA Sampoorna Raksha Promise

3.90
★ ★ ★ ★ ★
ILM Rating
5
Claims Experience
4.57
Customer Service
2.3
Product Benefits
4.9
Insurer's Legacy
Economical

LIC Digi Credit Life

3.00
★ ★ ★ ★ ★
ILM Rating
4.4
Claims Experience
4.45
Customer Service
0.8
Product Benefits
1.4
Insurer's Legacy
Economical

IndiaFirst Life Elite Term

2.50
★ ★ ★ ★ ★
ILM Rating
3.5
Claims Experience
3.78
Customer Service
0.9
Product Benefits
3.9
Insurer's Legacy
Economical

SBI Life Smart Shield Premier

3.90
★ ★ ★ ★ ★
ILM Rating
4.2
Claims Experience
4.76
Customer Service
3.2
Product Benefits
1.8
Insurer's Legacy
Fair

Axis Max Life Smart Term Plan Plus

4.10
★ ★ ★ ★ ★
ILM Rating
4.5
Claims Experience
4.7
Customer Service
3.4
Product Benefits
2
Insurer's Legacy
Economical

PNB MetLife DigiProtect Term Plan

3.30
★ ★ ★ ★ ★
ILM Rating
4.1
Claims Experience
3.6
Customer Service
2.3
Product Benefits
3.6
Insurer's Legacy
Economical

Aditya Birla Sun Life Income Suraksha

3.70
★ ★ ★ ★ ★
ILM Rating
4.4
Claims Experience
5
Customer Service
2.4
Product Benefits
3.5
Insurer's Legacy
Fair

LIC New Tech Term

3.40
★ ★ ★ ★ ★
ILM Rating
4.4
Claims Experience
4.45
Customer Service
1.8
Product Benefits
4.8
Insurer's Legacy
Economical

Canara HSBC Young Term Plan

4.40
★ ★ ★ ★ ★
ILM Rating
4.1
Claims Experience
4.21
Customer Service
4.8
Product Benefits
1.5
Insurer's Legacy
Economical

HDFC Life Click 2 Protect Elite Plus

3.70
★ ★ ★ ★ ★
ILM Rating
4.4
Claims Experience
4.88
Customer Service
2.6
Product Benefits
2.6
Insurer's Legacy
Fair

Canara HSBC iSelect Smart360

4.40
★ ★ ★ ★ ★
ILM Rating
4.1
Claims Experience
4.21
Customer Service
4.9
Product Benefits
4.3
Insurer's Legacy
Economical

SBI Life Smart Shield Plus

3.90
★ ★ ★ ★ ★
ILM Rating
4.2
Claims Experience
4.76
Customer Service
3.2
Product Benefits
4.7
Insurer's Legacy
Economical

Bandhan Life iTerm Prime

2.70
★ ★ ★ ★ ★
ILM Rating
3.1
Claims Experience
3.05
Customer Service
2.1
Product Benefits
3.9
Insurer's Legacy
Economical

Aditya Birla Sun Life Salaried Term Plan

3.80
★ ★ ★ ★ ★
ILM Rating
4.4
Claims Experience
5
Customer Service
2.8
Product Benefits
2.4
Insurer's Legacy
Economical

IndusInd Nippon Super Suraksha Elite

3.20
★ ★ ★ ★ ★
ILM Rating
4.2
Claims Experience
3.35
Customer Service
1.8
Product Benefits
1.6
Insurer's Legacy
Economical

Explore the Best Term Insurance Plans of 2026

Independent, data-driven ratings across 100+ parameters covering claims, customer service, product benefits, and insurer's legacy.

umbrella-whiteExplore Term Ratings

IndusInd Nippon Super Suraksha Elite

3.20
★ ★ ★ ★ ★
ILM Rating
4.2
Claims
3.35
Customer
1.8
Product
1.6
Legacy

Bajaj Life eTouch II

4.00
★ ★ ★ ★ ★
ILM Rating
4.1
Claims
5
Customer
3.5
Product
4
Legacy

Bandhan Life iTerm Comfort

2.60
★ ★ ★ ★ ★
ILM Rating
3.1
Claims
3.05
Customer
1.9
Product
4.9
Legacy

TATA AIA Maha Raksha Supreme Select

3.90
★ ★ ★ ★ ★
ILM Rating
5
Claims
4.57
Customer
2.4
Product
2.9
Legacy

Go Digit Glow Plus Term Life

0.80
★ ★ ★ ★ ★
ILM Rating
0.5
Claims
2.2
Customer
0.9
Product
1
Legacy

LIC Digi Term

3.40
★ ★ ★ ★ ★
ILM Rating
4.4
Claims
4.45
Customer
1.9
Product
3.7
Legacy

ICICI Pru iProtect Smart Plus

4.90
★ ★ ★ ★ ★
ILM Rating
4.9
Claims
4.7
Customer
5
Product
1.2
Legacy

Ageas Federal Life Insurance iSecure

2.50
★ ★ ★ ★ ★
ILM Rating
3.4
Claims
3.17
Customer
1.3
Product
2.8
Legacy

PNB Metlife Mera Term Plan Plus

3.20
★ ★ ★ ★ ★
ILM Rating
4.1
Claims
3.6
Customer
2.1
Product
2
Legacy

Aditya Birla Sun Life DigiShield

3.50
★ ★ ★ ★ ★
ILM Rating
4.4
Claims
5
Customer
2.1
Product
2.6
Legacy

Go Digit Glow Term Life

0.80
★ ★ ★ ★ ★
ILM Rating
0.5
Claims
2.2
Customer
0.9
Product
1.5
Legacy

IndiaFirst Life Plan

2.40
★ ★ ★ ★ ★
ILM Rating
3.5
Claims
3.78
Customer
0.8
Product
3.4
Legacy

Aditya Birla Sun Life Super Term Plan

4.70
★ ★ ★ ★ ★
ILM Rating
4.4
Claims
5
Customer
5
Product
4.3
Legacy

Kotak Life Signature Term Plan

3.60
★ ★ ★ ★ ★
ILM Rating
4.5
Claims
4.45
Customer
2.3
Product
2.6
Legacy

Acko Life Flexi Term Plan

1.50
★ ★ ★ ★ ★
ILM Rating
1.7
Claims
1.4
Customer
1.2
Product
1.3
Legacy

Edelweiss Life Zindagi Protect Plus

3.10
★ ★ ★ ★ ★
ILM Rating
3.6
Claims
1.46
Customer
2.8
Product
3.3
Legacy

LIC Bima Kavach

3.50
★ ★ ★ ★ ★
ILM Rating
4.4
Claims
4.45
Customer
2.1
Product
2.4
Legacy

ICICI Pru iProtect Super

3.80
★ ★ ★ ★ ★
ILM Rating
4.9
Claims
4.7
Customer
2.3
Product
2.4
Legacy

Kotak Gen2Gen Protect

3.20
★ ★ ★ ★ ★
ILM Rating
4.5
Claims
4.45
Customer
1.3
Product
4.6
Legacy

TATA AIA Sampoorna Raksha Promise

3.90
★ ★ ★ ★ ★
ILM Rating
5
Claims
4.57
Customer
2.3
Product
4.9
Legacy

LIC Digi Credit Life

3.00
★ ★ ★ ★ ★
ILM Rating
4.4
Claims
4.45
Customer
0.8
Product
1.4
Legacy

IndiaFirst Life Elite Term

2.50
★ ★ ★ ★ ★
ILM Rating
3.5
Claims
3.78
Customer
0.9
Product
3.9
Legacy

SBI Life Smart Shield Premier

3.90
★ ★ ★ ★ ★
ILM Rating
4.2
Claims
4.76
Customer
3.2
Product
1.8
Legacy

Axis Max Life Smart Term Plan Plus

4.10
★ ★ ★ ★ ★
ILM Rating
4.5
Claims
4.7
Customer
3.4
Product
2
Legacy

PNB MetLife DigiProtect Term Plan

3.30
★ ★ ★ ★ ★
ILM Rating
4.1
Claims
3.6
Customer
2.3
Product
3.6
Legacy

Aditya Birla Sun Life Income Suraksha

3.70
★ ★ ★ ★ ★
ILM Rating
4.4
Claims
5
Customer
2.4
Product
3.5
Legacy

LIC New Tech Term

3.40
★ ★ ★ ★ ★
ILM Rating
4.4
Claims
4.45
Customer
1.8
Product
4.8
Legacy

Canara HSBC Young Term Plan

4.40
★ ★ ★ ★ ★
ILM Rating
4.1
Claims
4.21
Customer
4.8
Product
1.5
Legacy

HDFC Life Click 2 Protect Elite Plus

3.70
★ ★ ★ ★ ★
ILM Rating
4.4
Claims
4.88
Customer
2.6
Product
2.6
Legacy

Canara HSBC iSelect Smart360

4.40
★ ★ ★ ★ ★
ILM Rating
4.1
Claims
4.21
Customer
4.9
Product
4.3
Legacy

SBI Life Smart Shield Plus

3.90
★ ★ ★ ★ ★
ILM Rating
4.2
Claims
4.76
Customer
3.2
Product
4.7
Legacy

Bandhan Life iTerm Prime

2.70
★ ★ ★ ★ ★
ILM Rating
3.1
Claims
3.05
Customer
2.1
Product
3.9
Legacy

Aditya Birla Sun Life Salaried Term Plan

3.80
★ ★ ★ ★ ★
ILM Rating
4.4
Claims
5
Customer
2.8
Product
2.4
Legacy

IndusInd Nippon Super Suraksha Elite

3.20
★ ★ ★ ★ ★
ILM Rating
4.2
Claims
3.35
Customer
1.8
Product
1.6
Legacy

Explore the Best Term Insurance Plans of 2026

Independent, data-driven ratings across 100+ parameters covering claims, customer service, product benefits, and insurer's legacy.

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Explore the Best Term Insurance Plans of 2026

Independent, data-driven ratings across 100+ parameters covering claims, customer service, product benefits, and insurer's legacy.

IndusInd Nippon Super Suraksha Elite

3.20
★ ★ ★ ★ ★
ILM Rating
4.2
Claims
3.35
Customer
1.8
Product
1.6
Legacy

Bajaj Life eTouch II

4.00
★ ★ ★ ★ ★
ILM Rating
4.1
Claims
5
Customer
3.5
Product
4
Legacy

Bandhan Life iTerm Comfort

2.60
★ ★ ★ ★ ★
ILM Rating
3.1
Claims
3.05
Customer
1.9
Product
4.9
Legacy

TATA AIA Maha Raksha Supreme Select

3.90
★ ★ ★ ★ ★
ILM Rating
5
Claims
4.57
Customer
2.4
Product
2.9
Legacy

Go Digit Glow Plus Term Life

0.80
★ ★ ★ ★ ★
ILM Rating
0.5
Claims
2.2
Customer
0.9
Product
1
Legacy

LIC Digi Term

3.40
★ ★ ★ ★ ★
ILM Rating
4.4
Claims
4.45
Customer
1.9
Product
3.7
Legacy

ICICI Pru iProtect Smart Plus

4.90
★ ★ ★ ★ ★
ILM Rating
4.9
Claims
4.7
Customer
5
Product
1.2
Legacy

Ageas Federal Life Insurance iSecure

2.50
★ ★ ★ ★ ★
ILM Rating
3.4
Claims
3.17
Customer
1.3
Product
2.8
Legacy

PNB Metlife Mera Term Plan Plus

3.20
★ ★ ★ ★ ★
ILM Rating
4.1
Claims
3.6
Customer
2.1
Product
2
Legacy

Aditya Birla Sun Life DigiShield

3.50
★ ★ ★ ★ ★
ILM Rating
4.4
Claims
5
Customer
2.1
Product
2.6
Legacy

Go Digit Glow Term Life

0.80
★ ★ ★ ★ ★
ILM Rating
0.5
Claims
2.2
Customer
0.9
Product
1.5
Legacy

IndiaFirst Life Plan

2.40
★ ★ ★ ★ ★
ILM Rating
3.5
Claims
3.78
Customer
0.8
Product
3.4
Legacy

Aditya Birla Sun Life Super Term Plan

4.70
★ ★ ★ ★ ★
ILM Rating
4.4
Claims
5
Customer
5
Product
4.3
Legacy

Kotak Life Signature Term Plan

3.60
★ ★ ★ ★ ★
ILM Rating
4.5
Claims
4.45
Customer
2.3
Product
2.6
Legacy

Acko Life Flexi Term Plan

1.50
★ ★ ★ ★ ★
ILM Rating
1.7
Claims
1.4
Customer
1.2
Product
1.3
Legacy

Edelweiss Life Zindagi Protect Plus

3.10
★ ★ ★ ★ ★
ILM Rating
3.6
Claims
1.46
Customer
2.8
Product
3.3
Legacy

LIC Bima Kavach

3.50
★ ★ ★ ★ ★
ILM Rating
4.4
Claims
4.45
Customer
2.1
Product
2.4
Legacy

ICICI Pru iProtect Super

3.80
★ ★ ★ ★ ★
ILM Rating
4.9
Claims
4.7
Customer
2.3
Product
2.4
Legacy

Kotak Gen2Gen Protect

3.20
★ ★ ★ ★ ★
ILM Rating
4.5
Claims
4.45
Customer
1.3
Product
4.6
Legacy

TATA AIA Sampoorna Raksha Promise

3.90
★ ★ ★ ★ ★
ILM Rating
5
Claims
4.57
Customer
2.3
Product
4.9
Legacy

LIC Digi Credit Life

3.00
★ ★ ★ ★ ★
ILM Rating
4.4
Claims
4.45
Customer
0.8
Product
1.4
Legacy

IndiaFirst Life Elite Term

2.50
★ ★ ★ ★ ★
ILM Rating
3.5
Claims
3.78
Customer
0.9
Product
3.9
Legacy

SBI Life Smart Shield Premier

3.90
★ ★ ★ ★ ★
ILM Rating
4.2
Claims
4.76
Customer
3.2
Product
1.8
Legacy

Axis Max Life Smart Term Plan Plus

4.10
★ ★ ★ ★ ★
ILM Rating
4.5
Claims
4.7
Customer
3.4
Product
2
Legacy

PNB MetLife DigiProtect Term Plan

3.30
★ ★ ★ ★ ★
ILM Rating
4.1
Claims
3.6
Customer
2.3
Product
3.6
Legacy

Aditya Birla Sun Life Income Suraksha

3.70
★ ★ ★ ★ ★
ILM Rating
4.4
Claims
5
Customer
2.4
Product
3.5
Legacy

LIC New Tech Term

3.40
★ ★ ★ ★ ★
ILM Rating
4.4
Claims
4.45
Customer
1.8
Product
4.8
Legacy

Canara HSBC Young Term Plan

4.40
★ ★ ★ ★ ★
ILM Rating
4.1
Claims
4.21
Customer
4.8
Product
1.5
Legacy

HDFC Life Click 2 Protect Elite Plus

3.70
★ ★ ★ ★ ★
ILM Rating
4.4
Claims
4.88
Customer
2.6
Product
2.6
Legacy

Canara HSBC iSelect Smart360

4.40
★ ★ ★ ★ ★
ILM Rating
4.1
Claims
4.21
Customer
4.9
Product
4.3
Legacy

SBI Life Smart Shield Plus

3.90
★ ★ ★ ★ ★
ILM Rating
4.2
Claims
4.76
Customer
3.2
Product
4.7
Legacy

Bandhan Life iTerm Prime

2.70
★ ★ ★ ★ ★
ILM Rating
3.1
Claims
3.05
Customer
2.1
Product
3.9
Legacy

Aditya Birla Sun Life Salaried Term Plan

3.80
★ ★ ★ ★ ★
ILM Rating
4.4
Claims
5
Customer
2.8
Product
2.4
Legacy

IndusInd Nippon Super Suraksha Elite

3.20
★ ★ ★ ★ ★
ILM Rating
4.2
Claims
3.35
Customer
1.8
Product
1.6
Legacy
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