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In 2025, having a good insurance plan is very important for every Indian. Whether it is a health problem or an unexpected accident, the right insurance policy can help save a lot of money and give peace of mind. But there are many insurance companies in India, and choosing the best one is not easy. That’s why we made a simple list of the top 5 best insurance plans in India. We will cover term insurance, health insurance, and ULIPs (Unit Linked Insurance Plans) that are most popular and trusted in 2025.
Before that, let’s understand a little about different types of insurance.
Types of Insurance Plans
- Term Insurance – This plan gives a big life cover for low premium. If the person dies during the term, the family gets the sum assured.
- Health Insurance – This covers hospital expenses, surgery costs, medicines, and more.
- ULIPs – It is a mix of insurance and investment. A part of the premium goes to insurance and the other part goes to investment funds.
Top 5 Best Insurance Plans in India (2025)
1. HDFC Life Click 2 Protect Super (Term Plan)
This is one of the best term insurance plans in India. It gives flexibility to increase cover at life stages like marriage, kids, etc.
Key features:
- Minimum premium: ₹400/month approx
- Covers up to 85 years of age
- Critical illness cover option available
- Accidental death benefit rider also included
Why to choose – It is flexible, low cost, and gives a high sum assured.
2. Star Health Comprehensive Plan (Health Insurance)
Star Health is one of the oldest and trusted health insurance providers in India. This plan gives wide coverage for all hospital needs.
Key features:
- No room rent limit
- Covers pre and post-hospital expenses (up to 60 & 90 days)
- No co-payment up to 60 years
- Covers day care procedures and AYUSH treatment
Why to choose – Easy claim process and good network hospitals.
3. ICICI Pru Signature ULIP (Investment + Insurance)
ICICI’s ULIP plan is perfect for people who want both protection and investment. The funds are managed by experts and give decent returns.
Key features:
- Zero policy allocation charges
- Tax-free maturity under Section 10(10D)
- Life cover + investment options
- Switch between funds anytime
Why to choose – It gives control, growth and insurance in one plan.
4. Niva Bupa ReAssure 2.0 (Health Insurance)
Earlier known as Max Bupa, this plan is famous for its smart features. It is one of the best health insurance plans in India in 2025.
Key features:
- Unlimited reinstatement of sum insured
- Covers OPD, diagnostics, and day care
- Covers modern treatments like robotic surgeries
- Health check-up from day 1
Why to choose – Fully loaded plan for family and individuals with lifetime renewability.
5. LIC Tech Term Plan (Term Insurance)
LIC is the most trusted insurance brand in India. Its Tech Term plan is fully online and gives high sum assured at low premium.
Key features:
- Online purchase with no agents
- Coverage up to 80 years
- Low premium for non-smokers and women
- Add-on riders available
Why to choose – Safe, trusted and simple plan from LIC.
FAQs – Frequently Asked Questions
Q1: Which is the best insurance policy in India for beginners?
If you are young and looking for a good start, HDFC Life Click 2 Protect Super is a great term insurance policy. For health, Star Health Comprehensive is perfect for individuals.
Q2: Are ULIPs a good investment in 2025?
Yes, ULIPs like ICICI Pru Signature offer both insurance cover and long-term returns. If you are okay with some market risk, ULIP is good for 10+ years investment.
Q3: How much coverage is enough in health insurance?
In 2025, due to rising medical costs, having at least ₹10–15 lakh sum insured is ideal for a family of 3–4 people. Plans like Niva Bupa ReAssure give full coverage with many extra benefits.
Q4: Which are the top insurance companies in India in 2025?
Some of the top and most trusted insurance providers are:
- LIC
- HDFC Life
- Star Health
- Niva Bupa
- ICICI Prudential
- Tata AIA
Q5: Is online insurance better than offline?
Yes, online insurance is cheaper as there are no agent charges. Plans like LIC Tech Term or HDFC Click 2 Protect can be easily purchased online.
📝 Conclusion
Choosing the right insurance in India is not just about low premiums, it’s also about trust, good claim service, and right features. In 2025, the market is full of new-age policies and digital options. But if you want peace of mind, you should compare features, read reviews, and choose wisely.
Whether it’s term insurance, health insurance, or ULIP, each has its own use. A term plan protects your family, a health plan saves money during medical needs, and ULIPs help in long-term investment with life cover.
Start small, but start now.
I am a digital marketing executive as well as content writer in the personal finance and investment related blogs. My goal is to provide simple, interesting and reliable information to readers through my articles so that they always stay updated with the world of personal finance and investment.
