Health Insurance

Protect Your Family with the Right Health Insurance

Cashless hospitalisation at 19,000+ hospitals across India. We compare 10 top insurers and help you choose the best plan — completely free.

19,000+Network Hospitals
10Insurers Compared
FreeExpert Advice
IRDAILicensed Agent
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What Does Health Insurance Cover?

A comprehensive health plan protects you from the financial burden of hospitalisation and medical treatment.

Optional Add-on

Maternity Cover

Covers normal and C-section delivery expenses after a waiting period of 2–4 years.

Optional Add-on

Critical Illness Cover

Lump sum payout on diagnosis of cancer, heart attack, stroke or other listed critical illnesses.

Which Type of Plan Do You Need?

Three main types of health insurance — choose based on who you're covering and your life stage.

Individual Plan

Covers one person with a dedicated sum insured. If you make a claim, only your cover is used — no impact on other family members.

Best for: Young singles, working professionals

Family Floater

Covers your entire family — spouse and children — under one shared sum insured. More economical than individual plans for young families.

Best for: Families with young children

Senior Citizen Plan

Designed for parents aged 60+. Covers pre-existing conditions (after waiting period) and age-related illnesses with co-payment options.

Best for: Parents aged 60 and above

Compare All 10 Health Insurance Plans

We've analysed premiums, claim ratios, network hospitals and coverage features for every major insurer in India.

See Full Comparison →

* Indicative premium for family of 4, ₹10L cover, Mumbai

Why Buy Through Policy Aid?

We're not a call centre. We're IRDAI-licensed advisors who work for you — not the insurer.

1

IRDAI Licensed Agent

Fully licensed and regulated. Your policy is legally protected and valid with all insurers.

2

Compare 10 Insurers

We show you all options, not just the ones with the highest commissions.

3

Free Advice, Always

No hidden fees. Our advisors help you choose — whether you buy or not.

4

Claim Support

We stand by you at claim time — from intimation to final settlement.

Common Questions Before Buying

Straight answers — no jargon.

What is the best health insurance plan in India 2026?
Care Supreme (₹999/mo), Bajaj Health Guard (₹950/mo) and New India Floater (₹850/mo) are top-rated. The best plan depends on your age, city and family size. Our advisors compare all 10 for free — WhatsApp us.
What is a family floater health insurance plan?
A family floater covers your entire family — spouse and children — under a single sum insured. Any one member can use the full amount. It is more economical than individual plans for young families where multiple members are unlikely to be hospitalised in the same year.
How much health insurance cover do I need?
A minimum of ₹5–10 lakh is recommended for metro city individuals. For families, ₹10–25 lakh. Consider your city, preferred hospitals, age and any pre-existing conditions. Our advisors can calculate the right cover for your specific situation.
Can I port my existing health insurance to a better plan?
Yes. IRDAI's portability rules let you switch insurers without losing your no-claim bonus or waiting period credits. Contact Policy Aid at least 45 days before your renewal date for a smooth port.

Get Free Health Insurance Advice

Tell us your family details — our IRDAI-licensed advisor will compare all 10 plans and recommend the best fit. No spam, no pressure.