Choosing the right health insurance is very important, especially when medical costs are rising every year. In May 2025, many people are searching online for the best health insurance plans in India. Whether it’s to cover hospital bills, manage critical illness, or just to stay protected from sudden medical emergencies, having good health insurance brings peace of mind.
In this blog post, we’ll look at the most searched health insurance products this month and why people are showing interest in them. We’ll also discuss new trends in the health insurance market.
- Niva Bupa ReAssure 2.0
Niva Bupa’s ReAssure 2.0 plan has become one of the most popular health insurance products in May 2025. It offers a very high claim settlement ratio of 99.99%, which means most claims are approved without hassle.
Key Benefits:
Unlimited restoration of the sum insured.
Wide range of sum insured options, from ₹5 lakh to ₹1 crore.
Covers pre- and post-hospitalization expenses.
People like this plan because it provides strong protection and can be very helpful if you or your family members need repeated medical treatments in a year.
- Care Supreme by Care Health Insurance
Care Supreme is another highly searched health plan this month. It’s known for offering full coverage without any hidden limits on specific diseases.
Highlights:
100% claim settlement ratio.
No limits on room rent or disease-specific costs.
Option to increase the sum insured up to 5 times if you don’t make any claims.
This plan is ideal for people who want full freedom in choosing hospitals and doctors, without worrying about sub-limits.
- HDFC ERGO Optima Secure
HDFC ERGO’s Optima Secure plan is known for its simplicity and flexibility. With a high claim settlement ratio and no room rent limits, it’s one of the top choices for families in India.
Main Features:
Sum insured can go up to ₹2 crore.
Offers unlimited restoration.
Add-ons include personal accident cover and annual health check-ups.
This plan is great for people who want complete care and add-on features like wellness programs.
- Aditya Birla Activ One
The Activ One plan by Aditya Birla is popular due to its wide range of coverage and plan options. It has several plan variants like MAX, VYTL, NXT, and VIP, which makes it easier to pick one based on your needs.
Main Features:
Covers mental illness, obesity treatment, HIV/AIDS, and even STDs.
Offers home healthcare and emergency global cover.
Some plans include maternity and newborn care.
This plan is a good option for young couples, new parents, and individuals looking for modern health benefits.
- ICICI Lombard Complete Health Insurance
ICICI Lombard’s Complete Health Insurance plan is another name that is getting a lot of attention online. It is flexible and includes options for alternative treatments like Ayurveda and Homeopathy (AYUSH).
Top Benefits:
No cap on room rent.
Free annual health check-ups.
Discounted rates for wellness programs.
This plan suits both individual users and families looking for broad coverage with simple terms.
Health Insurance Trends in May 2025
Apart from popular products, there are a few interesting trends in the health insurance industry this month:
- Premiums May Increase in Polluted Cities
Insurance companies are now thinking about raising premiums in cities like New Delhi because of rising pollution levels. Health issues caused by poor air quality have increased claims, and insurers are responding by planning a 10% to 15% hike in premiums.
This is the first time pollution is being directly linked to health insurance pricing in India.
- More Coverage for Senior Citizens
The Indian government has expanded its public health insurance program. Now, all citizens aged 70 years and above will get ₹5 lakh in medical insurance coverage. This will help over 60 million elderly people across the country.
This move is expected to reduce the financial burden on older adults and their families.
Final Thoughts
Health insurance is no longer just a safety net – it’s a necessity. The most searched plans in May 2025, such as Niva Bupa ReAssure 2.0, Care Supreme, and HDFC ERGO Optima Secure, show that people are looking for trusted insurers, high claim settlement, and wide coverage.
Whether you are a young professional, a parent, or a senior citizen, having the right health insurance can save you a lot of trouble and money. It’s always best to compare plans based on your medical history, family needs, and financial situation before choosing one.
If you’re unsure which plan is best for you, consider speaking to a health insurance advisor or using an online comparison tool.
Stay safe. Stay insured.
