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Policy DNA Explorer

Health Insurance Plans

Every plan dissected feature-by-feature. Oquilia Scores, gotcha alerts, and premium estimates help you see through the fine print before you buy.

Showing 15 plans

Star Health & Allied Insurance

Star Comprehensive

8.5
IndividualFamilies needing wide hospital access and comprehensive coverage

Premium (age 30)

₹6,800/yr

Room Rent

7/10

Restoration

8/10

5 gotcha alerts flagged
View Policy DNA

Niva Bupa Health Insurance

ReAssure 2.0

8.4
IndividualThose wanting a transparent, feature-rich plan with no room rent or co-pay limits

Premium (age 30)

₹7,500/yr

Room Rent

10/10

Restoration

9/10

3 gotcha alerts flagged
View Policy DNA

HDFC ERGO General Insurance

Optima Secure

8.2
IndividualThose who value HDFC brand trust and a wide hospital network

Premium (age 30)

₹7,200/yr

Room Rent

7/10

Restoration

7/10

4 gotcha alerts flagged
View Policy DNA

Star Health & Allied Insurance

Star Family Health Optima

8.1
Family FloaterFamilies of 4-6 members wanting one policy with Star's hospital network

Premium (age 30)

₹8,200/yr

Room Rent

7/10

Restoration

8/10

4 gotcha alerts flagged
View Policy DNA

Care Health Insurance

Care Supreme

7.9
IndividualValue-seekers wanting comprehensive features at competitive premiums

Premium (age 30)

₹6,100/yr

Room Rent

10/10

Restoration

10/10

4 gotcha alerts flagged
View Policy DNA

Care Health Insurance

Care Heart

7.6
IndividualYoung individuals wanting no room rent limits at competitive pricing

Premium (age 30)

₹5,400/yr

Room Rent

9/10

Restoration

9/10

4 gotcha alerts flagged
View Policy DNA

HDFC ERGO General Insurance

My:Health Suraksha

7.4
Family FloaterBudget-conscious families wanting HDFC ERGO's hospital network

Premium (age 30)

₹5,800/yr

Room Rent

5/10

Restoration

5/10

4 gotcha alerts flagged
View Policy DNA

Niva Bupa (Max Bupa legacy plans)

Health Companion

7.4
Family FloaterExisting Max Bupa policyholders wanting continuity without new underwriting

Premium (age 30)

₹5,800/yr

Room Rent

6/10

Restoration

2/10

4 gotcha alerts flagged
View Policy DNA

Aditya Birla Health Insurance

Activ Health Platinum Enhanced

7.4
IndividualHealth-conscious individuals who can maximise wellness rewards

Premium (age 30)

₹8,900/yr

Room Rent

9/10

Restoration

7/10

3 gotcha alerts flagged
View Policy DNA

Star Health & Allied Insurance

Senior Citizens Red Carpet

7.2
Senior CitizenSenior citizens (60-75 entry age) wanting the widest hospital network with short PED waiting

Premium (age 30)

N/A

Room Rent

5/10

Restoration

9/10

2 gotcha alerts flagged
View Policy DNA

Tata AIG General Insurance

Medicare

7.1
IndividualTata Group loyalists wanting solid coverage with growing network

Premium (age 30)

₹5,200/yr

Room Rent

6/10

Restoration

7/10

3 gotcha alerts flagged
View Policy DNA

Bajaj Allianz General Insurance

Health Guard

7
IndividualThose wanting budget pricing with a wide hospital network

Premium (age 30)

₹5,600/yr

Room Rent

5/10

Restoration

2/10

3 gotcha alerts flagged
View Policy DNA

Care Health Insurance

Care Freedom

7
Super Top-UpThose with existing base cover who want affordable additional protection

Premium (age 30)

₹3,900/yr

Room Rent

9/10

Restoration

3/10

1 gotcha alert flagged
View Policy DNA

ICICI Lombard General Insurance

Health Shield

6.8
IndividualThose already in the ICICI ecosystem wanting digital claims via TakeCare app

Premium (age 30)

₹5,100/yr

Room Rent

5/10

Restoration

5/10

3 gotcha alerts flagged
View Policy DNA

New India Assurance

New India Premier Mediclaim

6.7
IndividualThose wanting government-backed zero-solvency-risk coverage at the lowest premium

Premium (age 30)

₹4,100/yr

Room Rent

6/10

Restoration

1/10

5 gotcha alerts flagged
View Policy DNA

How We Score Health Insurance Plans

The Oquilia Score for each health insurance plan is a composite assessment derived from 14 critical feature parameters. We analyse publicly available policy wordings filed with IRDAI, customer grievance data, claims settlement ratios, and network hospital quality across metros and tier-2 cities. Every score from 1 to 10 is based on how a plan compares against the industry benchmark for that specific feature.

Our gotcha alerts are extracted directly from policy wording clauses that contain sub-limits, hidden conditions, or exclusions that most buyers miss during purchase. These are the clauses that surface only at claim time, often leading to partial settlements or rejections. By flagging them upfront, we help you make a genuinely informed decision.

Premium estimates shown are indicative figures for a 5 lakh sum insured individual policy, calculated based on the latest published rate cards. Actual premiums vary based on age, location, pre-existing conditions, selected add-ons, and the specific sum insured variant. Always confirm the exact premium with the insurer or a licensed agent before purchase.

Disclaimer: Oquilia is an independent financial intelligence platform. We are not a licensed insurance broker or advisor. Plan data sourced from IRDAI product filings and insurer disclosures, FY 2025-26.

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