By Lal Singh Health insurance is a big deal currently in India. Medical costs are increasing year after year and families require good financial protection. A good health insurance policy helps to protect your savings and also gives you peace of mind during hard times. In 2026, a number of companies will have reliable health insurance plans in India. Each company has its own advantages, good contacts with hospitals and provides good customer support.
In this article, you will get to know the leading 10 health insurance companies in India 2026.
1. Star Health & Allied Insurance
Star Health & Allied Insurance is one of the trusted health insurance companies in India. The company started operation in 2006 and is serving millions of customers across the country. Star Health has numerous types of plans for individuals, families, children and senior citizens. The company also has special plans available for people with diabetes, heart disease and other long-term conditions.
Star Health provides cashless treatment in over 14,000 of the network hospitals. Customers are not paying at the hospital as the insurer is settling the bill directly. The company also covers pre-existing diseases with a small waiting period. Many plans cover mommy benefits and hospital cash benefits. The 24/7 customer support team assists customers at all the points. Due to its absence of complications and sheer benefits, Star Health continues to be a preferred option for Indian families.
2. HDFC ERGO General Insurance
HDFC ERGO General Insurance offers a wide range of health insurance and general insurance products. The company has operated in 200+ branches in 170+ cities in the country and has a huge focus on customer satisfaction. HDFC ERGO has an iAAA rating from ICRA, reflecting the company’s excellent strength to pay the claims.
The company believes in ethical service and excellence. Customers can opt for health insurance, personal accident plans, top-up insurance, etc. A 24/7 support team safeguards the smooth running of servicing and claim handling. HDFC ERGO also employs technology to enhance the experience of customers and simplify the task of policy management. Because of its solid financial base and trust theory, HDFC ERGO is among the top insurers in India.
3. Care Health Insurance
Care Health Insurance specializes in health insurance and wellness solutions only. The company supports more than 9 crores of lives and has cashless treatment at more than 21,700+ healthcare providers in 1400+ cities. Customers get smooth claim handling, low premiums and extensive coverage.
Care Health Insurance offers many such plans such as family floater plan, maternity cover, international travel health insurance, group health plan and critical illness insurance. The Care Health App offers customers the opportunity to manage their policies, book their health check-ups, and to renew their plans easily. The company also receives several customer service and claims to excellence awards. Because of the high consumer-first approach, Care Health Insurance continues to grow as one of the leading insurers.
4. Niva Bupa Health Insurance
Niva Bupa Health Insurance in collaboration with international healthcare expert, Bupa and is serving millions of Indian customers. The company comprises 10,000+ network hospitals and cashless claim approval in 30 minutes in many cases.
Niva Bupa is more focused on building long-term relationships with customers instead of just providing yearly transactions. The company also provides support to their customers via their 24×7 Insta Assist and Health App. Niva Bupa is ranked highly due to its global experience and high trust value, which it possesses in the Indian health Insurance market.
5. Tata AIG General Insurance
Tata AIG General Insurance is a combination of the potency of the Tata Group and the knowledge of AIG. The company has been in the service of India for more than 24 years and has many insurance products including health insurance, travel insurance, motor insurance and corporate risk covers.
Tata AIG has a branch presence of 250, 8900+ employees and extensive distribution network of agents and brokers. The company helps the customers with expert claims handling with the in-house team. Tata AIG continues to invest in technology and training by its Tata AIG Academy. Customers trust Tata AIG due to its great brand image and innovative risk solutions.
6. SBI General Insurance
SBI General Insurance is one of the fastest growing private insurers in India. Supported by the strong SBI legacy, the company provides protection to customers in urban and rural India. SBI General services customers through 22,000+ branches of SBI, Agents, Digital Channels and Corporate Partners.
The company has a strong growth of the Gross Written Premium of INR 14,140 Crores in 2024-25. SBI General wins a number of national awards for claims service, innovation and customer trust. A team of 9,000+ employees guarantees smooth delivery of service Customers appreciate SBI General for its reach, reliability and simplified insurance solutions.
7. ICICI Lombard General Insurance
ICICI Lombard is one of the largest general insurers operating in the private insurance sector in India. The company deals in health and motor insurance, accident and travel insurance and many other products through a number of distribution channels. ICICI Lombard has issued more than 37.6 million policies and processed more than 3.2 million claims.
The company has 328 branches and millions of customers across the country. ICICI Lombard believes in its brand philosophy “Nibhaye Vaade” which means fulfilling promises. The company also invests in social responsibility programmes such as preventive healthcare and road safety. Due to its record of strong claims and service quality, ICICI Lombard continues to be a leader in the sector.
8. Aditya Birla Health Insurance
Aditya Birla Health Insurances is working under Aditya Birla Capital and associated with Momentum Group of South Africa. The company covers more than 22 million lives and operates in over 5,000+ cities with a vast distribution network.
The company is unique with wellness-linked health plans and chronic care support. Customers can receive rewards for using healthy behavior, which makes health insurance more engaging and beneficial. Aditya Birla Health Insurance focuses on long term well-being rather than just the total and sole benefits of hospitalization. This modern and preventive approach makes the company a major player in 2026.
9. ManipalCigna Health Insurance
ManipalCigna Health Insurance associates with the Manipal Group and Cigna Corporation. The company is focused on ameliorating the financial, physical and emotional health of its customers. Manipal Group is a hospital-experience and Cigna is a global healthcare-experience over 230 years.
ManipalCigna has a range of comprehensive health plans that provide for the family-made at each stage of life. The company believes in patient first service and focuses on building trust, care, and easy healthcare access. Due to the robust medical partnerships and international exposure, ManipalCigna is quite high on the list of health insurers in India.
10. Bajaj Allianz General Insurance
Bajaj General Insurance (which is now called Bajaj General Insurance Limited) is a group of Bajaj Finserv and is one of the most trusted private insurers in India. The company provides health insurance, motor insurance and many other insurance solutions to individuals and companies.
The company is centered around innovation, customer satisfaction, and digital growth. With a strong financial foundation and nationwide penetration, Bajaj General Insurance goes from strength to strength in its market reach with millions of policyholders. Customers appreciate the company’s speedy claim process and reliable service.
Final Thoughts
India’s health care system is still evolving, and health insurance is playing an important role in securing families. In 2026, these top 10 health insurance companies in India have excellent coverage, a large hospital network, and good claim support. Each company brings their unique strengths such as digital tools, wellness programs, customer-first service or global expertise.
When you are selecting a health insurance plan, you should:
- Compare benefits and coverage
- Check hospital network size
- Review claim history and support quality
- Choose a plan that works for your budget and needs
A good health insurance plan helps to save your money and be there for you when you need it. With the right insurer, you will be able to live with increased confidence with peace of mind.