This is an educational comparison — not a sales ranking. We compare key features that matter at claim time. Prices are indicative for a healthy 35-year-old individual.
Source for all data below: Published policy documents and Key Information Sheets. Last reviewed: March 2026. Always verify with the insurer before purchasing.
Feature comparison — Top health plans 2026
| Feature | HDFC ERGO Optima Secure | Care Supreme (Reg:148) | Niva Bupa Reassure 2.0 | ICICI Lombard Health Elite (Reg:115) |
|---|---|---|---|---|
| Room Rent | No restriction | No restriction | No restriction | Tier-based |
| Co-Payment | None | None (zone applies) | None | None |
| PED Waiting | 36 months | 48 months (verify) | 36 months | 24 months |
| Disease Sub-Limits | None | None | None | None |
| Restoration | Unlimited | Unlimited auto-recharge | Unlimited | Unlimited reset |
| NCB | 50%/yr max 100% | 50%/yr max 100% | Up to 200% | Up to 200% |
| AYUSH | Full sum insured | Full sum insured | Full sum insured | Full sum insured |
| Pre-hospitalisation | 60 days | 60 days | 60 days | 60 days |
| Post-hospitalisation | 180 days | 180 days | 180 days | 90 days |
| Air Ambulance | Yes | Up to Rs.5 lakh | Yes | Yes |
Disclaimer: This is a feature-level educational comparison based on publicly available policy documents. Hari Insurance does not sell any of these plans and is not affiliated with any of these insurers. Features and premiums change. Always verify with the insurer's current policy document or a licensed advisor before purchasing.
Health insurance cost guide
Want to understand what health insurance typically costs across different ages and sum insured levels? See our Health Insurance Cost Guide →
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