100% Commission-Free: We sell zero policies. All metrics verified from IRDAI Form NL-25 and official disclosures.
Read 2026 Claim Safety GuideIndependent Health Insurance Comparator
Compare Health Insurance for True Claim Safety
Match 10 top Indian insurers against your family profile. Avoid proportional room-rent deductions, 36-month waiting traps, and senior citizen co-pays.
Independent Claim Safeguard Engine
Compare Health Insurance on Ground Truth
Select your family profile and priorities. We evaluate IRDAI disclosures, statutory sub-limits, and policy wordings—never broker commissions.
General information from public sources, not advice. We do not sell insurance or receive commissions. No personal documents required; nothing is saved unless you choose to sign in.
5. Any Pre-Existing Conditions (PED)?
IRDAI mandates declaring existing conditions to avoid claim rejection under Clause 4.1.
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Matched Policy Rankings
10 Plans AuditedScored dynamically against your selected priorities: no room rent cap, cashless network, high settlement.
#1 MatchTata AIG General Insurance Company Limited
Medicare Premier
UIN: TATHLIP24159V042324
94/100
Best match for your priorities: No Room Rent Cap, Cashless Network Hospitals, High Claim Settlement Ratio
100% Verified Public Data• Source: IRDAI Disclosures
Key Verified Safeguards
- No room rent sub-limit (prevents proportionate deduction claims dispute)
- 24-month waiting period for pre-existing diseases
- Zero co-payment: insurer pays 100% of admissible claim amount
- Consistent claim settlement record of 95.8%
- 11,000+ cashless network hospitals across India
- Unlimited/instant restoration triggers even for same illness recurrence
- Comprehensive daycare procedure coverage & cumulative bonus protections
Verified by MediclaimSaathi Desk
#2 MatchHDFC ERGO General Insurance Company Limited
Optima Secure
UIN: HDFHLIP23075V032223
89/100
Best match for your priorities: No Room Rent Cap, Cashless Network Hospitals, High Claim Settlement Ratio
100% Verified Public Data• Source: IRDAI Disclosures
Key Verified Safeguards
- No room rent sub-limit (prevents proportionate deduction claims dispute)
- Zero co-payment: insurer pays 100% of admissible claim amount
- Consistent claim settlement record of 97.4%
- 13,000+ cashless network hospitals across India
- Unlimited/instant restoration triggers even for same illness recurrence
- Comprehensive daycare procedure coverage & cumulative bonus protections
Verified by MediclaimSaathi Desk
#3 MatchICICI Lombard General Insurance Company Limited
Elevate
UIN: ICIHLIP25008V012425
89/100
Best match for your priorities: No Room Rent Cap, Cashless Network Hospitals, High Claim Settlement Ratio
100% Verified Public Data• Source: IRDAI Disclosures
Key Verified Safeguards
- No room rent sub-limit (prevents proportionate deduction claims dispute)
- Zero co-payment: insurer pays 100% of admissible claim amount
- Consistent claim settlement record of 97%
- 12,000+ cashless network hospitals across India
- Unlimited/instant restoration triggers even for same illness recurrence
- Comprehensive daycare procedure coverage & cumulative bonus protections
Verified by MediclaimSaathi Desk
#4 MatchAditya Birla Health Insurance Co. Limited
Activ One
UIN: ADIHLIP24097V012324
84/100
Solid match with specific limitations
100% Verified Public Data• Source: IRDAI Disclosures
Key Verified Safeguards
- No room rent sub-limit (prevents proportionate deduction claims dispute)
- Zero co-payment: insurer pays 100% of admissible claim amount
- 11,000+ cashless network hospitals across India
- Unlimited/instant restoration triggers even for same illness recurrence
- Comprehensive daycare procedure coverage & cumulative bonus protections
Verified by MediclaimSaathi Desk
#5 MatchNiva Bupa Health Insurance Company Limited
ReAssure 2.0
UIN: NBHHLIP23169V012223
84/100
Solid match with specific limitations
100% Verified Public Data• Source: IRDAI Disclosures
Key Verified Safeguards
- No room rent sub-limit (prevents proportionate deduction claims dispute)
- Zero co-payment: insurer pays 100% of admissible claim amount
- 10,000+ cashless network hospitals across India
- Unlimited/instant restoration triggers even for same illness recurrence
- Comprehensive daycare procedure coverage & cumulative bonus protections
Verified by MediclaimSaathi Desk
#6 MatchCare Health Insurance Limited
Care Supreme
UIN: CHIHLIP23128V012223
84/100
Solid match with specific limitations
100% Verified Public Data• Source: IRDAI Disclosures
Key Verified Safeguards
- No room rent sub-limit (prevents proportionate deduction claims dispute)
- Zero co-payment: insurer pays 100% of admissible claim amount
- 11,500+ cashless network hospitals across India
- Unlimited/instant restoration triggers even for same illness recurrence
- Comprehensive daycare procedure coverage & cumulative bonus protections
Verified by MediclaimSaathi Desk
#7 MatchBajaj Allianz General Insurance Company Limited
Health Guard
UIN: BAJHLIP23065V052223
84/100
Solid match with specific limitations
100% Verified Public Data• Source: IRDAI Disclosures
Key Verified Safeguards
- No room rent sub-limit (prevents proportionate deduction claims dispute)
- Zero co-payment: insurer pays 100% of admissible claim amount
- 10,500+ cashless network hospitals across India
- Unlimited/instant restoration triggers even for same illness recurrence
- Comprehensive daycare procedure coverage & cumulative bonus protections
Verified by MediclaimSaathi Desk
#8 MatchStar Health and Allied Insurance Company Limited
Star Comprehensive Insurance Policy
UIN: SHAHLIP22028V072122
79/100
Solid match with specific limitations
100% Verified Public Data• Source: IRDAI Disclosures
Key Verified Safeguards
- No room rent sub-limit (prevents proportionate deduction claims dispute)
- Zero co-payment: insurer pays 100% of admissible claim amount
- 14,200+ cashless network hospitals across India
- Unlimited/instant restoration triggers even for same illness recurrence
- Comprehensive daycare procedure coverage & cumulative bonus protections
Watch: Lower Claim Settlement Ratio (89.9%); higher risk of claim delays or dispute
Verified by MediclaimSaathi Desk
#9 MatchManipalCigna Health Insurance Company Limited
ProHealth Prime
UIN: MCIHLIP23120V022223
78/100
Solid match with specific limitations
100% Verified Public Data• Source: IRDAI Disclosures
Key Verified Safeguards
- No room rent sub-limit (prevents proportionate deduction claims dispute)
- Zero co-payment: insurer pays 100% of admissible claim amount
- Unlimited/instant restoration triggers even for same illness recurrence
- Comprehensive daycare procedure coverage & cumulative bonus protections
Verified by MediclaimSaathi Desk
#10 MatchThe New India Assurance Company Limited
New India Premier Mediclaim Policy
UIN: NIAHLIP25048V042425
78/100
Solid match with specific limitations
100% Verified Public Data• Source: IRDAI Disclosures
Key Verified Safeguards
- No room rent sub-limit (prevents proportionate deduction claims dispute)
- Zero co-payment: insurer pays 100% of admissible claim amount
- Unlimited/instant restoration triggers even for same illness recurrence
- Comprehensive daycare procedure coverage & cumulative bonus protections
Verified by MediclaimSaathi Desk
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MediclaimSaathi Disclosure & Verification Guarantee
MediclaimSaathi is not an insurance broker, corporate agent, or web aggregator. We accept zero advertisement fees, commissions, or referral payments from insurance companies. All data points are independently verified against IRDAI public disclosures, audited Form NL-25 reports, and official policy filings. If you notice any outdated metric, use the "Spot a mistake" button on any card to submit official proof for immediate review by our research desk.