Best health insurance on Reddit
220 reviews from r/IndiaInvestments, r/Kerala, r/personalfinanceindia and 45 more subreddits
220 reviews from
and
By Brand
/By Product
#1
HDFC
4.4
(25)
"100% claim settlement ratio."
"If you can afford it, definitely go for HDFC Ergo."
"1 - HDFC optima secure"
"HDFC Ergo"
"HDFC Ergo is best when it comes to claim service."
"HDFC Ergo & HDFC Life. You really do get what you pay for."
"Prefer hdfc, Icici, Niva bupa, tata"
"HDFC is best for claim settlement."
"HDFC ERGO Optima Secure is recommended for its excellent claim service experience."
"HDFC Optima Secure is by far the best"
#2
HDFC Ergo
4.2
(23)
"I have HDFC Ergo from Office and I claimed(cashless) 4.98L this year out of 5L"
"Take HDFC Ergo Optima super secure family floater for 20 Lakhs Sum Insured."
"HDFC is best in terms of claim service."
"Ergo is best."
"The whole process is very smooth & they are very respectful towards calls. HDFC has a great track record of settling claims."
"HDFC Ergo is best, I recently bought it for my parents, there is an unlimited coverage plan."
"Offers comprehensive coverage including pre-existing illnesses."
"This plan of HDFC Ergo is decent to take imo since you have a PED."
"HDFC Ergo"
"Go for HDFC Ergo it's a flagship product, so it's expensive but less headache during claims"
#3
Niva Bupa
3.9
(20)
"Niva Bupa is better than anything"
"Offers unlimited claims for the same illness with its 'ReAssure Forever' feature."
"NIVA BUPA quotation, as they have a feature in policy that covers diabetes from DAY-1."
"I recently purchased the Niva Bupa (Max Health) Aspire plan for myself and I highly recommend it!"
"Niva Bupa Reassure 2.0 is the best."
"Signup on Policybazaar and they will help you to find the best one for you."
"I would recommend going with PolicyBazzar and Niva Bupa."
"HDFC Ergo or Niva Bupa."
"I'd say niva bupa."
"Bought niva bupa for past 3 years for parents."
#4
Blue Cross
4.6
(7)
"Blue Cross is the best company for coverage"
"Everyone I know has Blue Cross, indicating its popularity and reliability."
"Great product!"
"Blue Cross is a reliable choice for insurance."
"I always recommend blue cross basic personally."
"Blue cross has the best, being that most doctors will take it, it’s not just for specialists in RI, and they have a big network."
"Blue cross is somewhat reasonable"
#5
BCBS Basic
4.4
(7)
"BCBS Basic was great with covering all the tests she needed."
"Much better and way more options."
"I pay nothing for monthly infusions with copay program."
"If not BCBS works well too."
"Two of my three were on BCBS Basic. No complaints."
"BCBS Basic has been good to us."
"Many people recommended BCBS Basic."
#6
Insurance
4.7
(6)
"I recommend getting a 5 lacs base sum insured policy and then a SUPER top-up policy for 95 lacs for great coverage."
"A Halbprivat insurance is nice, so a parent can stay at the hospital in case the baby is sick."
"Get a insurance for the dentist too, it’s impossible to get this later in life."
"Get the best insurance which is financially possible for your baby. You’ll never get it this cheap again."
"A 5 lacs base sum insured policy is a good choice."
"I insured him with zero, the basic ambulant package and the middle package of hospital supplementary with halb privat."
#7
Care
3.5
(6)
"Look into insurance policies from CARE."
"I went with Care, after consulting with an agent, for my mother."
"Go for care. They have good plan."
"Care/ICICI are a distant second."
"Heard from a friend that CARE is good."
"Care is worst in terms of helping to settle claims."
#8
Blue Cross Blue Shield
4.0
(5)
"I prefer a Blue Cross Blue Shield PPO plan."
"Blue Cross blue shield both times."
"You should consider providers like Blue Cross Blue Shield, UnitedHealthcare, or Aetna."
"They have one of the lower copays and it is through Washington, so it does not matter the state you live in."
"My girl and I got Blue Cross Blue Shield PPO."
#9
Bupa
5.0
(4)
"If solo go for an international cover. BUPA or something along those lines."
"Bupa"
"Cigna & Bupa are top notch."
"Bupa offers corporate discounts on health insurance, making it much cheaper than advertised rates."
#10
AIA
4.0
(5)
"It provides lump sump cash benefit upon diagnosis of cancer, heart attack, stroke."
"Invest in proper *health* insurance with good coverage (like AIA Critical Protect 100."
"The top three health insurance providers are Axa, AIA, and Sun Fit & Well."
"For whole life, some examples are AIA Critical Protect 100, Axa Health Max, and Sunlife Fit & Well."
"Try aia they have an insurance plus investment plan"
#11
Cigna
4.5
(4)
"Love Cigna!"
"Cigna & Bupa are top notch."
"Check out Cigna - same insurance provider as many UN orgs."
"I had Cigna growing up and they were great too."
#12
Axa
4.3
(4)
"They were brilliant a year ago when I had an embolism and also have hypertension etc."
"Axa is now GIG. It should be approximately 275 ro plus tax per person."
"The top three health insurance providers are Axa, AIA, and Sun Fit & Well."
"For whole life, some examples are AIA Critical Protect 100, Axa Health Max, and Sunlife Fit & Well."
#13
BCBS
3.5
(4)
"In general BCBS seems to be slightly better at least in my area."
"I’ve liked BCBS so far."
"For state-sponsored Medicaid plans you can usually pick from BCBS."
"BCBS is a ripoff, but I don't think that's unique to them."
#14
Kaiser
4.7
(3)
"I’ve had Kaiser for 10 years and it’s been great."
"Kaiser's great -- you need some tests or labwork? Sure! Zero personal cost, often the same day."
"I think Kaiser is worth having just for the pharmacy coverage."
#15
Ditto Insurance
4.7
(3)
"The good folks at Ditto Insurance can help you get the right one for your ca"
"Try ditto company. They are an aggregator for insurance plans."
"Try to use Ditto Insurance. They are insurance advisors who deal with multiple companies."
#16
Star Health
2.2
(6)
"Have been using star health for the past 4 years."
"Star Health is a good option for corporate insurance."
"First would be star health but they play around a lot with claim settlement."
"Let me tell you never get STAR health. They suck you in aith their low prices but they will try their hardest to deny your claim."
"Anything but Star Health. That’s all. Not Star Health!"
"Star health recently had data breach. So at the moment, please stay away from them."
#17
VHI
3.3
(4)
"I've had multiple surgeries, and VHI have been fantastic IMO."
"VHI are really good over the phone and go through everything with you."
"I get VHI through work. They didn’t cover everything I needed in a private hospital."
"VHI is HSE in disguise. That's why I prefer Laya."
#18
Aditya Birla
4.3
(3)
"Aditya Birla have some good plans and covers 100% expenditure."
"I went through Policy bazaar and they helped me buy Aditya Birla insurance."
"I use Aditya Birla for my parents."
#19
Sunlife
4.0
(3)
"Invest in proper *health* insurance with good coverage (like AIA Critical Protect 100, Sunlife Fit and Well."
"The top three health insurance providers are Axa, AIA, and Sun Fit & Well."
"For whole life, some examples are AIA Critical Protect 100, Axa Health Max, and Sunlife Fit & Well."
#20
ACKO
3.7
(3)
"Was seamless, including the doctor consultation and the health checkup."
"Go with ACKO Platinum."
"Recently, I had a check on ACKO insurance."
#21
Aetna
2.5
(4)
"It's been my medical insurance for the past 2 years."
"My son in law has an Aetna plan at another employer and the number of doctors who take is significantly less than Blue Cross."
"Not from Massachusetts but having to deal with Aetna and their customer service made me vow to never use them again."
"Blue cross blows them both out of the water. My mom worked for Aetna for 25 yrs and still has to pay $400/month now that she's retired, even with the discount."
#22
Ditto
3.3
(3)
"I just had great experience with them."
"Contact [https://joinditto.in/](https://joinditto.in/), they will be able to suggest good options."
"Ditto is useless."
#23
Heritage
5.0
(2)
"Top 4 in no specific order: Heritage, CIC, UAP and Jubilee."
"Heritage Heri Afya"
#24
UAP
5.0
(2)
"UAP THE BESTTTT"
"UAP is good"
#25
Mountain Health
5.0
(2)
"I definitely suggest Mountain Health."
"I've been really happy with Mountain Health since the beginning."
#26
Helsana
4.5
(2)
"Me and everyone I know uses Helsana."
"Helsana have a really good app, quick service and overall a good experience."
#27
World Nomads
4.5
(2)
"I got all of my expenses reimbursed when I had a broken bone."
"Look into companies like World Nomads for travel health insurance."
#28
Farm Bureau
4.5
(2)
"Get an HDHP through Farm Bureau in SD."
"But it's not available everywhere."
#29
GHI
4.5
(2)
"I’ve had GHI cbp my whole life... never had an issue."
"GHI or HIP is pretty good."
#30
Essential Plan
4.5
(2)
"My wife got Essential Plan with an insurance broker for free."
"If you are living in New York then definitely go for the Essential Plan."
#31
Pacific Cross
4.5
(2)
"Get Pacific Cross. This is what I offer my OFW clients."
"Invest in proper *health* insurance with good coverage (like AIA Critical Protect 100, Sunlife Fit and Well or Senior Care, Pacific Cross."
#32
Simpler Health
4.5
(2)
"All have great plans for non-immigrants."
"Simpler Health, Metroplus and Healthfirst. There are a lot of free options available."
#33
SBI
4.5
(2)
"Go for SBI insurance. Its good."
"SBI general Arogya Advanced."
#34
ICICI
4.5
(2)
"2- ICICI Lombard"
"They provide insurance at a low rate. For 50lakhs for both between 55-60 age group the annual amount is around 40k."
#35
GeoBlue
4.0
(2)
"Covers up to age 90 or 95 and can also cover pre-existing conditions at extra cost."
"They have policies that don't exclude pre-existing conditions."
#36
United India
4.0
(2)
"Offers no waiting period cover for those under 35, making it a great option for young individuals."
"Terms seem to be pretty good."
#37
NIC
3.5
(2)
"I believe they shd help u with NIC insurance. I use this. Never hd much trouble."
"NIC is better as compared to other govt insurances."
#38
Ambetter
3.0
(2)
"They are pushing their Medicare Advantage plans hard and offering cheap prices."
"I hope it’s good, but at least I know UC will take it."
#39
Anthem
3.0
(2)
"Our Anthem PPO network is fantastic. Great doctors, low copay."
"I'd drop Kaiser and go Anthem, if you can afford it, as the bureaucracy nightmare of trying to coordinate 2 insur"
#40
Beshak
2.5
(2)
"Talk to Beshak or Ditto, and compare both their offers."
"Beshak is more useless."
#41
United Healthcare
5.0
(1)
"We got a United Healthcare PPO with no deductible and a $3,000 max out of pocket and we’re paying $925 now."
#42
Premera BCBS
5.0
(1)
"I haven't had any issues with the Premera BCBS."
#43
Allianz
4.0
(1)
"Never had to use them, but we purchased the insurance when we went to Sicily recently."
#44
Squaremouth
4.0
(1)
"Squaremouth is a good comparison site. You put in your age, length of stay, etc."
#45
FEP Blue Focus
4.0
(1)
"The Blue Focus is the cheapest premiums and has low generic drug prices."
#47
IRDA
4.0
(1)
"Visit the IRDA website to choose your health insurance."
#48
Reliance
4.0
(1)
"Reliance has one which my uncle in Gujarat has. He had great experience with them."
#49
Anthem Blue Cross
4.0
(1)
"I found an anthem blue cross PPO which I have been on for a while."
#50
ABC
4.0
(1)
"Changed from Star to ABC last week."
#51
AIG
4.0
(1)
"AIG has good travel insurance."
#52
Genki Travel Insurance
4.0
(1)
"Yes Genki Travel Insurance."
#53
Ergo
4.0
(1)
"Ergo or Tata. Rest of the idiots don't pay claims."
#54
Even
4.0
(1)
"I'm satisfied with the service so far."
#55
Digit
4.0
(1)
"I have heard digit is good."
#56
Hop Insurance
4.0
(1)
"Check out Hop insurance."
#57
Daman
4.0
(1)
"Daman, Qatar, and Orient are some of the good insurance companies in the UAE."
#58
Qatar
4.0
(1)
"Daman, Qatar, and Orient are some of the good insurance companies in the UAE."
#59
Orient
4.0
(1)
"Daman, Qatar, and Orient are some of the good insurance companies in the UAE."
#60
Private Health Insurance
4.0
(1)
"You should check out private plans, I got private health insurance for my company."
#61
Sri Lanka Insurance
4.0
(1)
"Sri lanka insurance also have some good plans."
#62
Ceylinco Life
4.0
(1)
"Try Ceylinco life"
#63
Softlogic Life
4.0
(1)
"Fastest claims processing and highest claims ratio in Sri Lanka."
#64
Niva
4.0
(1)
"I had taken the Star Red Carpet but got it ported to Niva Senior First a couple of years ago."
#65
ICICI Lombard
4.0
(1)
"I approached an agent and got it from ICICI Lombard with complete peace of mind."
#66
HDFC Ergo Optima Secure
4.0
(1)
"Among private HDFC ergo optima secure."
#67
HDFC Energy
4.0
(1)
"You can go with HDFC Energy."
#68
Max Life
4.0
(1)
"Max life has better plans for people with diabetes."
#69
Laya
4.0
(1)
"I use laya and find it very good."
#70
New India Assurance
3.0
(1)
"Have been insured for almost 10 yrs through New India Assurance."
#71
New India
3.0
(1)
"Try asking new India to provide the same insurance personally."
#72
GEHA HDHP
3.0
(1)
"I personally didn't have any issues with GEHA HDHP."
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