Apsova Insurance • IRDAI Registered Insurance Intermediary • Kerala Corporate Hub
Advisory Helpline: +91 98471 22849 • English / മലയാളം
APSOVA INSURANCE
IRDAI Registered Intermediary • Kochi Corporate Office
IRDAI Registered Insurance Intermediary • Direct Underwriting Network • Kerala HQ

Compare & Secure Top Health Insurance from India's Premier Insurers

Direct underwriting across Star Health, Care Health, HDFC ERGO, Niva Bupa, ICICI Lombard & Aditya Birla. Instant cashless admission across 14,000+ accredited hospitals with dedicated claim support.

14,000+
Cashless Hospitals
99.2%
Claim Settlement
30 Mins
Cashless Approval
₹0
Co-Pay Plans
Instant Quote & Coverage Estimator
Select your coverage requirements for a customized comparison quote dispatched directly to your WhatsApp:
Strictly Confidential • Zero Spam Guarantee • Apsova Advisory Desk
Star Health: 14,000+ Cashless Hospitals • 99.1% Settlement Ratio
Care Health: Care Supreme with 500% Cumulative Bonus Shield
HDFC ERGO: Optima Secure with 4X Base Cover from Day 1
Niva Bupa: ReAssure 2.0 Entry Age Lock Benefit
ICICI Lombard: Universal Cashless Everywhere Hospital Protocol
Aditya Birla: Activ One with up to 100% Premium Cashback
Apsova Advisory Desk: Direct Health Underwriting & 24x7 Claim Support (+91 98471 22849)
Star Health: 14,000+ Cashless Hospitals • 99.1% Settlement Ratio
Care Health: Care Supreme with 500% Cumulative Bonus Shield
HDFC ERGO: Optima Secure with 4X Base Cover from Day 1
Niva Bupa: ReAssure 2.0 Entry Age Lock Benefit
OFFICIAL INSURANCE PARTNERS

Featured Health Insurance Solutions

Compare leading health insurance policies across Star Health, Care Health, HDFC ERGO, Niva Bupa, ICICI Lombard & Aditya Birla. Review coverage specifications, claim ratios, and request personalized premium quotations.

India's Leading Standalone Insurer
Star Health & Allied Insurance

Star Comprehensive & Red Carpet

Complete peace of mind with 14,000+ cashless hospitals and 100% automatic restoration.

  • ✓ 14,000+ Network Hospitals: Full coverage across top Kerala hospital chains.
  • ✓ 100% Automatic Restoration: Reloads sum insured immediately after each claim.
  • ✓ No Medical Screening: Pre-policy medical tests waived up to 50 years of age.
  • ✓ Air Ambulance & Bariatric: Modern treatments covered without arbitrary sub-limits.
Claim Settlement: 99.1% Verified
Restoration: 100% Unlimited
Starting Premium: ₹599/month
500% Cumulative Bonus Shield
Care Health Insurance (Religare)

Care Supreme Advantage

Next-generation health cover with unlimited automatic recharge and 0% room rent cap.

  • ✓ Unlimited Automatic Recharge: Sum insured never gets exhausted for related/unrelated illness.
  • ✓ Zero Room Rent Capping: Upgrade to single private room or suite without deduction.
  • ✓ 500% NCB Multiplier: Bonus grows up to 5 times the base cover on claim-free years.
  • ✓ Pre 60 / Post 180 Days: Comprehensive pre and post hospitalization diagnostic coverage.
Claim Settlement: 98.9% Verified
Cumulative Bonus: Up to 500%
Starting Premium: ₹560/month
4X Base Cover from Day 1
HDFC ERGO General Insurance

Optima Secure Comprehensive

Industry-defining 4X coverage multiplier with zero deduction on hospital consumables.

  • ✓ Secure Benefit (2X on Day 1): Sum Insured doubles automatically the moment policy is issued.
  • ✓ Protect Benefit (Consumables): Zero deduction on PPE, gloves, cotton, surgical consumables.
  • ✓ Plus Benefit (4X in 2 Yrs): 100% Increase in 2 consecutive claim-free policy terms.
  • ✓ 1.5 Cr Global Cover: Worldwide emergency hospitalization protection included.
Claim Settlement: 99.4% Highest
Coverage Multiplier: 4X Base Cover
Starting Premium: ₹680/month
Lock-The-Clock Age Freeze
Niva Bupa Health Insurance

ReAssure 2.0 Innovation

Freeze your entry age premium until your first claim and carry forward unutilized sum insured.

  • ✓ Lock-The-Clock Benefit: Pay premium according to entry age forever until first claim.
  • ✓ ReAssure+ Forever: Infinite restoration triggers upon first claim, never expires.
  • ✓ Carry Forward Unused Sum: Unused sum insured moves to next renewal up to 10X.
  • ✓ Smart Health 30% Off: Earn up to 30% renewal premium discounts for active walking.
Claim Settlement: 99.0% Verified
Age Freeze: Active Benefit
Starting Premium: ₹590/month
Universal Cashless Everywhere Protocol
ICICI Lombard General Insurance

Health Shield Complete & Elevate

100% cashless hospitalization at ANY registered hospital in Kerala with unlimited resets.

  • ✓ Cashless Everywhere: Walk into any accredited hospital across Kerala with instant cashless.
  • ✓ OPD & Teleconsultation: Free doctor consultations, pharmacy delivery, and diagnostic credits.
  • ✓ Organ Donor 100% Covered: Donor surgery and in-hospital medical costs paid without deduction.
  • ✓ Air Ambulance Benefit: Emergency air transport coverage up to full sum insured.
Claim Settlement: 98.7% Verified
Cashless Protocol: Any Hospital
Starting Premium: ₹620/month
Up to 100% Annual Premium Cashback
Aditya Birla Health Insurance

Activ One (HealthReturns™)

Rewarding your active lifestyle with up to 100% premium cashback and day-1 chronic cover.

  • ✓ 100% HealthReturns™: Earn up to 100% of your paid premium back by walking 10,000 steps/day.
  • ✓ Day-1 Chronic Care: Diabetes, High BP, Asthma, and Cholesterol covered from Day 1.
  • ✓ Mental Health & Wellness: Consultations with psychiatrists, therapists, and nutritionists.
  • ✓ Home Treatment Coverage: Modern at-home chemotherapy, dialysis, and nursing care.
Claim Settlement: 98.5% Verified
Cashback Benefit: Up to 100%
Starting Premium: ₹510/month

Side-by-Side Insurer Feature Comparison

Objective comparison of key policy terms verified under IRDAI guidelines

Feature / Insurer Star Health Care Health HDFC ERGO Niva Bupa ICICI Lombard Aditya Birla
Sum Insured Range ₹5L to ₹1 Cr ₹7L to ₹1 Cr ₹5L to ₹1.5 Cr ₹5L to ₹1 Cr ₹5L to ₹50L ₹10L to ₹1 Cr
Room Rent Limit No Limit (10L+) Zero Capping No Limit Single Private No Limit No Limit
Restoration Benefit 100% (Unlimited) Unlimited Automatic 100% on Claim ReAssure Forever 100% Reset 100% Reload
Pre / Post Hosp. 60 / 90 Days 60 / 180 Days 60 / 180 Days 60 / 180 Days 60 / 180 Days 60 / 180 Days
Consumables (PPE/Gloves) Optional Rider Included in Supreme 100% Free Protect Optional Rider Covered via Wallet Optional Add-on
Claim Settlement Ratio 99.1% 98.9% 99.4% 99.0% 98.7% 98.5%

14,000+ Cashless Hospitals Across Kerala & Pan-India

Pre-authorized cashless admission available across top accredited medical centers:

Aster Medcity, Kochi
Amrita Hospital (AIMS), Kochi
VPS Lakeshore Hospital, Kochi
Rajagiri Hospital, Aluva
Apollo Adlux, Karukutty
KIMSHEALTH, Thiruvananthapuram
Baby Memorial Hospital, Kozhikode
Renai Medicity, Kochi
Caritas Hospital, Kottayam
Jubilee Mission Hospital, Thrissur
COMPLIMENTARY HEALTH INSURANCE ADVISORY

Need Professional Guidance on Health Coverage?

Consult with our certified insurance specialists for unbiased policy comparisons, network hospital verification, and end-to-end claim settlement assistance.

Call +91 98471 22849