Health Insurance reviews from Reddit
Summary
We analyzed 272 Reddit reviews across 64 subreddits and 108 posts to rank the best Health Insurance brands recommended by redditors, including communities like r/IndiaInvestments, r/personalfinanceindia, r/Kerala, r/phinvest, r/AmazonFC. Top-rated brands include HDFC Ergo (4.2/5), HDFC (4.4/5), Niva Bupa (3.9/5).
Stats
Reviews272
Subreddits64
Posts108
Brands89
Products19
272 reviews from
and
By Brand
/By Product
#1
HDFC Ergo
4.2
(28)
"HDFC Ergo is the best insurer, go with it."
"HDFC Ergo, the best"
"I have HDFC Ergo from Office and I claimed(cashless) 4.98L this year out of 5L"
"HDFC is best in terms of claim service."
"Ergo is best."
"HDFC Ergo is best, I recently bought it for my parents, there is an unlimited coverage plan."
"Offers comprehensive coverage including pre-existing illnesses."
"Hdfc ergo is what everyone in my family has."
"Hdfc ergo is good. You can check that out."
"Niva Bupa and HDFC Ergo are solid"
#2
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"
#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."
"Niva Bupa Reassure 2.0 is the best."
"Signup on Policybazaar and they will help you to find the best one for you."
"Niva BUPA"
"Niva Bupa Aspire Titanium+.
We Ported to this from Star health."
"Niva Bupa and HDFC Ergo are solid"
"I would recommend going with PolicyBazzar and Niva Bupa."
"HDFC Ergo or Niva Bupa."
#4
AIA
4.0
(8)
"This is for term insurance yung AIA Critical Protect 100 is whole life coverage."
"AIA Critical Protect 100"
"I can generate a proposal for your AIA Critical Protect 100 cheapest in the market"
"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"
#5
BCBS
3.4
(9)
"BCBS PPO is a life saver. I don't need a referral to see most specialists."
"Anthem BCBS has been surprisingly good."
"I would also recommend."
"The ones I’ve had the least issues with are BCBS."
"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."
"Magellan is absolutely awful in my experience."
#6
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."
#7
Blue Cross Blue Shield
3.8
(8)
"I would highly recommend Blue Cross Blue Shield."
"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."
"Before the rate hikes this year, I would have said BCBS Basic all the way."
"Now? BCBS is horrible. We have a $10k deductible, co-pays are $50+."
#8
Blue Cross
4.7
(6)
"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."
"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"
#9
Axa
4.4
(5)
"If you want strong health protection, check out AXA Health Max. It covers up to ₱10 million for critical illness, perfect if you want to protect your savings in case of a big medical emergency."
"They were brilliant a year ago when I had an embolism and also have hypertension etc."
"Axa! Straight to the point"
"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."
#10
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."
#11
Aditya Birla
4.2
(5)
"Aditya Birla have some good plans and covers 100% expenditure."
"Aditya Birla is also good."
"I purchased health insurance for my senior citizen parents from aditya birla."
"I went through Policy bazaar and they helped me buy Aditya Birla insurance."
"I use Aditya Birla for my parents."
#12
Pacific Cross
4.2
(5)
"Get Pacific Cross. This is what I offer my OFW clients."
"Medical Insurance like Pacific Cross Select or AXA HCA Lite w/ CI is better. They cover common and critical illnesses up to 5M depending on the variant."
"Pacific Cross"
"Pacific cross"
"Invest in proper *health* insurance with good coverage (like AIA Critical Protect 100, Sunlife Fit and Well or Senior Care, Pacific Cross."
#13
Kaiser
4.0
(5)
"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 personally had good experiences with Kaiser even though many people don't like the HMO model."
"I think Kaiser is worth having just for the pharmacy coverage."
"Kaiser is fine, until you get sick."
#14
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."
#15
Aetna
3.0
(6)
"It's been my medical insurance for the past 2 years."
"Blue Cross and Aetna were always good for me."
"Best for me was Aetna, worst was United."
"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."
#16
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."
#17
Essential Plan
4.5
(4)
"I think it's probably the best transitional insurance for students in the same situation."
"My wife got Essential Plan with an insurance broker for free."
"Just get the free Essential Plan. Decent coverage and has lots of options in New York City."
"If you are living in New York then definitely go for the Essential Plan."
#18
Star Health
2.4
(7)
"Star health offers insurance with covering pre-existing diseases."
"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."
#19
Ditto
3.5
(4)
"I just had great experience with them."
"Here are three companies with reputable insurance advisors. I suggest booking a one-on-one call with them to explore your options: Ditto"
"Contact [https://joinditto.in/](https://joinditto.in/), they will be able to suggest good options."
"Ditto is useless."
#20
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."
#21
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."
#22
Maxicare
4.0
(3)
"I have maxicare with 200k limit per year for small cases and pacific cross ako na may 10M limit per year. The best ang maxicare."
"I have maxicare with 200k limit per year for small cases and pacific cross ako na may 10M limit per year. The best ang maxicare."
"Heard maxicare’s pretty solid but it depends on what you need man"
#23
Sun Life
4.0
(3)
"Sun Assure - Quickest, most affordable term coverage. Pede ka mag start less than 15k atleast annual for 2M coverage depending on age"
"Hi OP, you might consider Sun Life health insurance. 10 years to pay, covered ka until age 100 for 114 major and minor critical illnesses."
"We have critical illness plans mula kay Sun Life. Sun Assure - term life insurance, covers 36 critical illnesses. Sun fit and well advantage - payable 10,15, 20 yrs."
#24
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."
#25
Mountain Health
5.0
(2)
"I definitely suggest Mountain Health."
"I've been really happy with Mountain Health since the beginning."
#26
UAP
5.0
(2)
"UAP THE BESTTTT"
"UAP is good"
#27
Heritage
5.0
(2)
"Top 4 in no specific order: Heritage, CIC, UAP and Jubilee."
"Heritage Heri Afya"
#28
GHI
4.5
(2)
"I’ve had GHI cbp my whole life... never had an issue."
"GHI or HIP is pretty good."
#29
Farm Bureau
4.5
(2)
"Get an HDHP through Farm Bureau in SD."
"But it's not available everywhere."
#30
SWICA
4.5
(2)
"Swica/OKK are considered the best."
"I'm with SWICA and quite happy."
#31
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."
#32
Softlogic Life
4.5
(2)
"Softlogic Life is the best health insurance in Sri Lanka. It has the highest claims ratio and is the fastest in claim settlements."
"Fastest claims processing and highest claims ratio in Sri Lanka."
#33
Helsana
4.5
(2)
"Me and everyone I know uses Helsana."
"Helsana have a really good app, quick service and overall a good experience."
#34
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."
#35
Medicard
4.0
(2)
"For HMO, Medicard"
"You can use it for check ups, lab tests, surgeries and confinement."
#36
Irish Life Health
4.0
(2)
"Covers 75% refund up to €2,500 on an Adult 'Neurodiversity Assessment'."
"Will probably be your best bet if you want a plan where you've got really good money back."
#37
ICICI Lombard
4.0
(2)
"My personal recommendation - ICICI."
"I approached an agent and got it from ICICI Lombard with complete peace of mind."
#38
GEHA
4.0
(2)
"Geha has been fine for me."
"I personally feel like GEHA HDHP or MHBP Consumer Option are two of the strongest plan options available."
#39
Sunlife
4.0
(2)
"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."
#40
Bajaj Allianz
4.0
(2)
"I have opted for Super-Top up plan from Bajaj Allianz for senior citizens."
"I liked Bajaj Allianz and even the ditto person told it was a good choice."
#41
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."
#42
Care Insurance
3.5
(2)
"My father underwent 3 surgeries with Care didn't have any issue with claims."
"Go for care or hdfc ergo. Star is going downhill now."
#43
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."
#44
HealthCare.gov
3.0
(2)
"Only purchase health insurance through HealthCare.gov."
"Avoid purchasing from healthcare.gov and purchase directly from an agent."
#45
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."
#46
Visana
1.7
(3)
"I flipped out of Visana, and then back in again as their competitor was (for me) worse. They have denied me nothing over the years (decades)."
"Visana is currently the absolute worst insurance we have to deal with, they try to limit oxygen supplies for patients etc."
"I've had nothing but issues with Visana over the years."
#47
Beshak
2.5
(2)
"Talk to Beshak or Ditto, and compare both their offers."
"Beshak is more useless."
#48
Star
2.5
(2)
"Using star, and never got denied any claim, used for 3 surgeries and a few minor hospital stays."
"Star is worst in terms of helping to settle claims."
#49
Medicare
5.0
(1)
"Try medicare, I signed with them after my wife was 1 month pregnant."
#50
CareSource
5.0
(1)
"If you have the option to get insurance through caresource, I highly recommend."
#51
ICICI
5.0
(1)
"Took icici. Paid 60k with all the cibil discount (10k almost saved )."
#52
Kaiser Permanente
5.0
(1)
"I've had them forever and it's great, it's also the #1 insurer in the state."
#53
Aviva
5.0
(1)
"I've just gotten Aviva through work, and in the T&C it stated that Mental Illness doesn’t count as a 'Prior Illness'."
#54
Imedil
5.0
(1)
"Get imedil insurance, it's the one used by most students, has a lot of benefits and you can get it for less"
#55
Excellus
5.0
(1)
"Definitely look at CHP for the kids. We use the Excellus CHP and have had no issues with coverage or finding providers."
#56
Metro Health Plus
5.0
(1)
"Look into Metro Health Plus. $0 monthly premiums."
#57
New York State of Health
5.0
(1)
"It's basically free with decent benefits. Worth checking out."
#58
Helpside
5.0
(1)
"Definitely worth looking into."
#59
The Financialist
4.0
(1)
"Here are three companies with reputable insurance advisors. I suggest booking a one-on-one call with them to explore your options: The Financialist"
#60
GPI
4.0
(1)
"GPI in my opinion"
#61
Genki Native
4.0
(1)
"I suggest you have a look at Genki Native as an example for an international health insurance."
#62
Pillow Insurance
4.0
(1)
"Here are three companies with reputable insurance advisors. I suggest booking a one-on-one call with them to explore your options: Pillow Insurance"
#63
ANIB Insurance Brokers
4.0
(1)
"I went ANIB Insurance Brokers, and they sent me a comparative statement and recommended one."
#64
KPT
4.0
(1)
"My dad always had good experiences with KPT over many years of being their customer."
#65
ACA
4.0
(1)
"I would just do an ACA plan, that’s what my wife and I use without any issues."
#66
Care Supreme
4.0
(1)
"Three health insurances for myself, brother and sister. Care supreme"
#67
BigCat
4.0
(1)
"BigCat are probably the best for additional winter sports stuff."
#68
Intellicare
4.0
(1)
"Try intellicare man yata nga premium bato.. mao ako gamit before."
#69
ICICI Lombard, HDFC Ergo
4.0
(1)
"ICICI Lombard or HDFC Ergo"
#70
Blue Cross Blue Shield of Texas
4.0
(1)
"BCBS of TX will cover HRT, if that's your concern."
#71
Fidelis
4.0
(1)
"Fidelis seems to be widely accepted as well, and often less expensive."
#72
HDFC Ergo, ICICI, Niva Bupa, Tata AIG
4.0
(1)
"HDFC ergo is one of the safest bets. For elderly parents with pre existing conditions, it might be difficult to get your parents on it. Other than that, icici and niva bupa as well as Tata aig are good."
#73
Excellus Blue Cross Blue Shield
4.0
(1)
"The best customer service was BCBS."
#74
AXA and AIA
4.0
(1)
"Axa and Aia"
#75
Groupe Mutuel
4.0
(1)
"I am happy with Groupe Mutuel"
#76
CSS
4.0
(1)
"I'm with CSS since forever, and almost never had to talk to a human."
#77
Oriental Youth
4.0
(1)
"I bought Oriental Youth Eco care policy."
#78
SafetyWing
4.0
(1)
"Is only $56/month with no deductible for actually quite good travel insurance so maybe them?"
#79
AXA and Pacific Cross
4.0
(1)
"Axa and Pacific Cross"
#80
Takaful Emarat
4.0
(1)
"Insurance for 63 year old (a bit on the premium benefit side) cost was 12.7K for a year."
#81
AB PM-JAY
4.0
(1)
"Corporate insurance is best for old people."
#82
Insperity
4.0
(1)
"We use Insperity - get great benefits (health, dental, vision but also mental health, legal, etc)."
#83
Philcare
4.0
(1)
"They have prepaid HMOs that covers hospitalization or ER or consultations."
#84
IMG Patriot
4.0
(1)
"There are a variety of plans, and at least one of them covers US expats visiting the US."
#85
MetLife
4.0
(1)
#86
Post Office Insurance
4.0
(1)
"Around ₹800 only n covers 5 lakhs."
#87
PSU Insurers
4.0
(1)
"I strongly recommend PSU insurers due to their reliability."
#88
Oriental Insurance
3.0
(1)
"Oriental"
#89
Manulife
3.0
(1)
"One of my coworkers' clients just put in a policy with Manulife."
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