The Indian government offers a variety of health insurance schemes for its citizens. The most popular of these is the Rashtriya Swasthya Bima Yojana (RSBY), which provides health insurance coverage for families living below the poverty line. RSBY covers inpatient care, outpatient care, and preventive care, and provides cashless treatment at more than 14,000 impanelled hospitals across India.

Other health insurance schemes in India include the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), which provides free health insurance coverage to families living below the poverty line, and the Pradhan Mantri Suraksha Bima Yojana (PMSBY), which provides accidental death and disability insurance coverage for families.

For those not eligible for government-sponsored health insurance, there are a number of private health insurance companies operating in India. Some of the largest and most popular private health insurance companies in India include Bajaj Allianz, Star Health, and Max Bupa. These companies offer a variety of health insurance plans, including plans that cover inpatient care, outpatient care, maternity care, and critical illness.


Health insurance premiums in India are relatively low when compared to other countries. For example, a family of four can expect to pay around Rs. 5,000 (US$70) per year for health insurance coverage. However, it is important to compare health insurance plans carefully before purchasing, as there can be significant differences in coverage and costs.

1. See if you qualify for a government health insurance program. 

There are a number of government health insurance in India programs that provide coverage to eligible individuals and families. To see if you qualify for any of these programs, you can contact your state’s Medicaid office or the Department of Health and Human Services.

2. Look for health insurance in India through your employer. 

If you are employed, your employer may offer health insurance as a benefit. Check with your employer to see if this is a benefit they offer. Many employers offer health insurance to their employees. Contact your employer’s human resources department to see if they offer health insurance.


3. Check out health insurance companies that offer discounts.

Some insurance companies will offer discounts to those who are willing to purchase health insurance in India through them. These discounts may be in the form of lower premiums or lower deductibles. In order to qualify for these discounts, you may have to meet certain criteria, such as being a certain age or having a certain job.

4. Consider a high-deductible health insurance plan. 

A high-deductible health insurance plan is a type of health insurance plan that has a high deductible, which is the amount of money that the insured person must pay out-of-pocket before the insurance company starts to pay for covered expenses.


5. Look for a health insurance plan with a low premium. 

The premium is the monthly payment you make to your health insurance company. A low-premium health insurance plan means that your monthly payments will be lower than average.


6. See if you can get health insurance through a professional association. 

You may be able to get health insurance in India through a professional association. Many professional associations offer group health insurance to their members, so this may be a good option for you. Check with your association to see if this is something that they offer.


7. Check out health insurance options for self-employed individuals. 

There are a few health insurance options for self-employed individuals. One option is to purchase a health insurance policy through the Health Insurance Marketplace. Another option is to purchase a health insurance in India through private insurance.


8. Consider a short-term health insurance plan.

If you are in between jobs or waiting for your employer’s health insurance in India to start, you may want to consider a short-term health insurance plan. These plans typically provide coverage for a period of 3-12 months. Short-term health insurance plans are not required to provide the same level of coverage as major medical plans. They also don’t have to cover pre-existing conditions. However, short-term health insurance plans can provide some level of protection if you need it. They can also be a good option if you are healthy and don’t need a lot of coverage. You can compare short-term health insurance plans and find one that fits your needs and budget.

9. Get quotes from several health insurance companies.

Each company offers different products and services, so it is important to compare them before choosing a health insurance company. Some things to consider when comparing health insurance companies include the type of coverage offered, the deductible, the premium, and the copay.