Interactive Tool · SampadaSarathi
Health Insurance Advisor
Compare 6 top health insurance plans, get a personalised recommendation, and calculate how much you save with the base + super top-up strategy.
Step 1 of 4
What is your age?
Tata AIG
Tata AIG MediCare Select
Infinite Advantage: no SI cap for 1 lifetime claim. No entry age limit for parents.
SI Range
₹5L – ₹300L
Entry Age
No limit
PED Wait
36 months
Network
Large
Post-Hosp
90 days
Super Top-Up
Medicare Premier
Niva Bupa
Niva Bupa ReAssure 2.0
Lock the Clock freezes your premium at entry age until you claim.
SI Range
₹5L – ₹100L
Entry Age
18–65 yrs
PED Wait
36 months
Network
10,000+
Post-Hosp
180 days
Super Top-Up
Health Recharge
HDFC ERGO
HDFC ERGO Optima Secure
2X coverage from Day 1 free. SI grows 50%→100% regardless of claims.
SI Range
₹5L – ₹200L
Entry Age
No max age
PED Wait
36 months
Network
16,000+
Post-Hosp
180 days
Super Top-Up
my:Health Suraksha
Care Health
Care Health Supreme
Largest hospital network in India. SI up to ₹6 crore for HNIs.
SI Range
₹5L – ₹6 Cr
Entry Age
5–65 yrs
PED Wait
36 months
Network
24,800+
Post-Hosp
90 days
Super Top-Up
Care Super Top-Up
Star Health
Star Comprehensive
India's largest standalone health insurer. Strong claim settlement track record.
SI Range
₹5L – ₹1 Cr
Entry Age
3m – 65 yrs
PED Wait
48 months
Network
14,000+
Post-Hosp
90 days
Super Top-Up
Star Super Surplus
Manipal Cigna
Manipal Cigna ProHealth Plus
Wellness rewards reduce renewal premiums. Strong preventive health focus.
SI Range
₹2.5L – ₹100L
Entry Age
18–65 yrs
PED Wait
48 months
Network
8,000+
Post-Hosp
90 days
Super Top-Up
Manipal Cigna Super Top-Up
Smart Coverage Strategy
Base + Super Top-Up Calculator
See how much you save vs buying a single high-value policy
Total Coverage
₹50L
Combined effective cover
Base Premium (est.)
₹22,000
Per year
Top-Up Premium (est.)
₹3,400
Per year
You Save ~
66%
vs ₹50L standalone
How it works: Your base policy (₹10L) handles the first ₹10L of any claim year. Once that's exhausted, the super top-up kicks in seamlessly — covering up to ₹40L more. Deductible = base SI consumed. Both premiums qualify for Section 80D deduction.
Premium estimates are indicative. Actual premiums depend on health declaration, insurer underwriting, and exact plan variant. Consult policy documents before purchasing.
This tool is for informational purposes only. It does not constitute insurance advice. Premiums and features are indicative and subject to change. Please read policy documents carefully. Inderpreet Singh is a SEBI-Registered MFD (ARN-357884) and not a licensed insurance broker. SEBI registration does not cover insurance distribution.