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Company Profiles

India's Health Insurers, Scored

Every insurer rated on what matters: claims settlement, claims difficulty, network reach, and policy fine print. Oquilia Scores are editorial assessments based on IRDAI data, policy wordings, and customer outcomes.

Data sourced from IRDAI Annual Report FY2024-25, company disclosures, and policy wordings.

Showing 10 insurers

Star Health & Allied Insurance logo
Standalone Health

Star Health & Allied Insurance

8.2

Claims Ratio

91.3%

Hospitals

14,200

Low Difficulty
91.3%

Smooth claims process with minimal friction

Top Plans

Star Comprehensive
5L - 1Cr8.5
Star Family Health Optima
5L - 25L8.1
2 gotchas flagged
Niva Bupa Health Insurance logo
Standalone Health

Niva Bupa Health Insurance

7.9

Claims Ratio

89.7%

Hospitals

10,400

Low Difficulty
89.7%

Smooth claims process with minimal friction

Top Plans

Reassure 2.0
5L - 3Cr8.4
Health Recharge
3L - 1Cr7.6
2 gotchas flagged
HDFC ERGO General Insurance logo
General Insurer

HDFC ERGO General Insurance

7.8

Claims Ratio

88.2%

Hospitals

13,100

Medium Difficulty
88.2%

Some documentation requirements, occasional follow-ups

Top Plans

Optima Secure
5L - 50L8.2
My:Health Suraksha
3L - 25L7.4
2 gotchas flagged
Niva Bupa (Max Bupa legacy plans) logo
Standalone Health

Niva Bupa (Max Bupa legacy plans)

7.6

Claims Ratio

89.1%

Hospitals

10,200

Low Difficulty
89.1%

Smooth claims process with minimal friction

Top Plans

Heartbeat (Legacy)
5L - 50L7.8
Health Companion (Legacy)
3L - 25L7.4
2 gotchas flagged
Care Health Insurance logo
Standalone Health

Care Health Insurance

7.5

Claims Ratio

86.5%

Hospitals

9,800

Medium Difficulty
86.5%

Some documentation requirements, occasional follow-ups

Top Plans

Care Supreme
5L - 6Cr7.9
Care Advantage
3L - 50L7.3
2 gotchas flagged
Tata AIG General Insurance logo
General Insurer

Tata AIG General Insurance

7.3

Claims Ratio

87.1%

Hospitals

10,800

Medium Difficulty
87.1%

Some documentation requirements, occasional follow-ups

Top Plans

Medicare Premier
5L - 1Cr7.8
Medicare
3L - 20L7.1
2 gotchas flagged
ICICI Lombard General Insurance logo
General Insurer

ICICI Lombard General Insurance

7.1

Claims Ratio

85.8%

Hospitals

11,500

Medium Difficulty
85.8%

Some documentation requirements, occasional follow-ups

Top Plans

IL Health Booster
5L - 50L7.5
Elevate
5L - 1Cr7.2
2 gotchas flagged
Aditya Birla Health Insurance logo
Standalone Health

Aditya Birla Health Insurance

7

Claims Ratio

84.9%

Hospitals

9,200

Medium Difficulty
84.9%

Some documentation requirements, occasional follow-ups

Top Plans

Activ Health Platinum Enhanced
5L - 2Cr7.4
Activ Assure Diamond
5L - 50L7
2 gotchas flagged
Bajaj Allianz General Insurance logo
General Insurer

Bajaj Allianz General Insurance

6.8

Claims Ratio

83.4%

Hospitals

12,300

High Difficulty
83.4%

Expect extensive documentation and slower processing

Top Plans

Health Guard
3L - 50L7
Health Ensure
2L - 10L6.5
2 gotchas flagged
New India Assurance logo
General Insurer

New India Assurance

6.5

Claims Ratio

81.2%

Hospitals

8,700

High Difficulty
81.2%

Expect extensive documentation and slower processing

Top Plans

New India Premier Mediclaim
3L - 25L6.7
New India Health Policy
1L - 10L6.2
2 gotchas flagged
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