Policy Recommendations
Aarav Mehta · Family Floater · ₹10 L base
AI EngineActive
3 plans matched from 47 evaluated
Filtered by family of 4 · Mumbai · hypothyroidism · ₹35–45k budget
Cashless preferred
No co-pay
PED coverage
HDFC Ergo
Optima Secure Family
AI Best Match
Annual Premium
₹38,420
Range: ₹36k – ₹42k · Sum insured ₹10 Lakh
- 100% cashless · 12,000+ hospitals
- No room rent capping
- Restore benefit unlimited
- Day-1 PED coverage add-on
- Wellness benefits
Match score96/100
Star Health
Family Health Optima
Best Value
Annual Premium
₹32,180
Range: ₹30k – ₹35k · Sum insured ₹10 Lakh
- Cashless · 14,000+ hospitals
- Auto recharge of sum insured
- Free annual health check-up
- Hospital cash benefit
- AYUSH treatment covered
Match score91/100
Niva Bupa
ReAssure 2.0
Premium Pick
Annual Premium
₹44,900
Range: ₹42k – ₹48k · Sum insured ₹15 Lakh
- Unlimited base sum reload
- Lock the clock — no premium hike
- International second opinion
- Maternity cover from year 2
- Modern treatments covered
Match score89/100
Side-by-side comparison
Key benefits across recommended plans
| Benefit | HDFC Ergo | Star Health | Niva Bupa |
|---|---|---|---|
| Room Rent Limit | No cap | Single AC room | No cap |
| Pre-existing Waiting | 3 years | 4 years | 2 years |
| Co-payment | Nil | Nil (under 60) | Nil |
| Network Hospitals | 12,400 | 14,200 | 10,800 |
| Claim Settlement Ratio | 98.2% | 96.8% | 97.1% |
Cashless hospitals in 400053
284 nearby
Avg. claim settlement
97.4%
Policy issuance ETA
Same day