Top 7 Apps To Book a Health Insurance In India
Gone are the days of endless paperwork and agent visits to buy health insurance. With over 750 million smartphone users in India, insurance apps now let you compare policies, calculate premiums, and secure coverage in minutes—right from your phone.
But with dozens of apps claiming to offer the “best plans,” how do you choose one that’s trustworthy and user-friendly?
This 2025 guide ranks the top 7 health insurance apps in India based on ease of use, policy options, claim settlement ratios, and customer reviews.
Whether you’re buying your first policy or renewing an existing one, these apps simplify the process with AI-powered recommendations, cashless hospital networks, and instant policy issuance.
Why Use Apps to Buy Health Insurance?
- Instant Comparison: View 50+ policies side-by-side.
- Paperless Process: Upload documents and pay premiums via UPI.
- Discounts: Exclusive app-only offers (up to 20% off).
- Renewal Reminders: Never miss a deadline.
- 24/7 Support: Chat, call, or video consultation.
Top 7 Health Insurance Apps in India
1. Policybazaar
- Key Features:
- AI Recommendation: Suggests plans based on age, income, and medical history.
- Claim Settlement Ratio: 95%+ for partners like HDFC Ergo and ICICI Lombard.
- Instant Issuance: Get policy PDF in 2 minutes.
- Pros:
- Largest policy database (100+ insurers).
- Video KYC and instant renewal.
- Cons:
- Aggressive upselling of add-ons.
- Best For: First-time buyers and family floater plans.
- Availability: iOS, Android, Web.
2. Digit Insurance
- Key Features:
- Claim Assurance: 3-hour pick-up for documents.
- Wellness Rewards: Earn discounts via fitness tracking.
- Family Plans: Cover parents up to 90 years.
- Pros:
- Super-fast claim settlement (97% ratio).
- Intuitive interface for seniors.
- Cons:
- Limited network hospitals in rural areas.
- Best For: Senior citizens and wellness enthusiasts.
- Availability: iOS, Android.
3. Acko Health Insurance
- Key Features:
- ICU Cash: ₹5,000/day for ICU stays.
- No Medical Tests: For policies up to ₹10 lakh.
- Daycare Coverage: 500+ treatments covered.
- Pros:
- Affordable premiums (20% cheaper than competitors).
- Instant chat support.
- Cons:
- No offline assistance.
- Best For: Young adults and budget buyers.
- Availability: iOS, Android.
4. Paytm Insurance
- Key Features:
- Cashback Offers: 5% Paytm wallet cashback.
- Group Insurance: Buy for employees or domestic help.
- Renewal Tracker: Auto-syncs policy dates.
- Pros:
- Seamless UPI payments.
- Partnered with Star Health and Tata AIG.
- Cons:
- Limited customization.
- Best For: Paytm users and SME owners.
- Availability: iOS, Android.
5. Coverfox
- Key Features:
- Unbiased Advice: No commission-based recommendations.
- NRI Services: Buy policies for family in India.
- Tax Calculator: Estimates Section 80D savings.
- Pros:
- Transparent policy comparisons.
- Free doctor consultations.
- Cons:
- Delayed customer service responses.
- Best For: NRIs and tax savers.
- Availability: iOS, Android.
6. RenewBuy
- Key Features:
- POSP Advisors: Video calls with certified experts.
- Chronic Illness Plans: Cover diabetes, hypertension.
- No-Claim Bonus: Up to 100% premium discount.
- Pros:
- Wide rural network (1 lakh+ advisors).
- Cashless hospitals in Tier 2/3 cities.
- Cons:
- Complex interface.
- Best For: Chronic disease patients and rural users.
- Availability: iOS, Android.
7. Bajaj Markets
- Key Features:
- Multi-Policy Bundle: Health + life + motor insurance.
- EMI Payments: 3-12 month premium EMI options.
- Legal Support: Free assistance during claim disputes.
- Pros:
- Bajaj Allianz partnership (90% claim ratio).
- One-stop financial marketplace.
- Cons:
- High add-on costs.
- Best For: Bundled insurance buyers.
- Availability: iOS, Android.
Comparison Table
| App | Claim Ratio | Unique Feature | Best For |
|---|---|---|---|
| Policybazaar | 95%+ | Largest insurer network | First-time buyers |
| Digit | 97% | Wellness rewards | Senior citizens |
| Acko | 94% | No medical tests | Young adults |
| RenewBuy | 92% | Chronic illness coverage | Rural users |
How to Choose the Right App
- Check Claim Settlement Ratio: Opt for apps partnering with insurers like HDFC Ergo (97%) or Star Health (90%).
- Network Hospitals: Ensure your preferred hospitals are listed for cashless claims.
- Add-Ons: Look for critical illness riders or OPD coverage.
- Customer Reviews: Avoid apps with 3-star ratings on Play Store/App Store.
Tips to Save Money
- Compare Premiums: Use Policybazaar or Coverfox to find the cheapest rates.
- Multi-Year Payments: Save 5-10% by paying for 2-3 years upfront.
- Group Discounts: Insure your family under one floater plan.
- Preventive Health Checkups: Avail no-claim bonuses.
FAQs
Q1. Is it safe to buy health insurance via apps?
A: Yes, if the app is IRDAI-approved (check for license numbers in the footer).
Q2. Can I get cashless treatment with app-based policies?
A: Absolutely! Use the insurer’s app to locate network hospitals and activate cashless claims.
Q3. How to renew policies through apps?
A: Upload previous policy PDFs, pay via UPI, and get instant renewal confirmation.
Q4. Are pre-existing diseases covered?
A: Yes, after a waiting period (usually 2-4 years). Check policy terms carefully.
Q5. What if I miss a premium payment?
A: Most apps offer a 15-30 day grace period. Post that, the policy may lapse.
Conclusion
For hass-free comparisons, Policybazaar and Coverfox lead the pack. For budget buyers, Acko offers unbeatable rates, while Digit excels in claim support. Prioritize apps that align with your medical needs and offer robust customer care.
Pro Tip: Bookmark this guide and share it with family! For more insights, explore our article on How to Maximize Health Insurance Tax Benefits.
CTA: “Used any of these apps? Share your experience in the comments below!”
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