Best Health Insurance for
25-Year-Old
in India

If you're 25 and wondering whether you really need health insurance, you're not alone. A growing number of young adults in India are starting to see its value. In fact, the 25 to 35 age group is now making the most health insurance claims, which shows that people are not just buying policies but actually using them. With rising medical costs and unexpected health issues, getting insured early is becoming more of a need
than a choice.
The Indian health insurance market itself is expanding rapidly. It was valued at over USD 12 billion in 2022 and is expected to cross USD 30 billion by 2030. Still, only 41% of households have at least one member covered, and coverage gaps are more common in some states than others. For a 25-year-old, a basic health plan usually costs around ₹2,000 to ₹2,500 a month, depending on what’s included. Many insurers and employers are now offering plans with add-ons like maternity coverage and wellness benefits designed for young adults. In this blog, we’ll walk you through some of the best health insurance options for 25-year-olds so you can make an informed decision early on.
Let's get started.
Top Health Insurance Plans for
25-Year-Old in India
Features | Niva Bupa ReAssure 2.0 (Individual) | Star Young Star (Silver) | Aditya Birla Activ One (Plus) | HDFC ERGO Health Wallet (Silver) | TATA AIG MediCare Premier | SBI Arogya Plus (Gold) | Chola Flexi Health (Base) | Oriental Happy Family Floater (Ind.‑A) |
---|---|---|---|---|---|---|---|---|
Types of conditions covered | All medical & surgical illnesses, 20 modern day‑care pts, maternity & newborn | Illness, accident, 542 day‑care, maternity (after 5 y) | All diseases incl. chronic care OPD rider | All illnesses, plus wallet for OPD | All illnesses, organ donor, HIV | In‑patient only (no maternity), day‑care | In‑patient & 160 day‑care, HIV | In‑patient & 594 day‑care |
Pre‑ / Post‑hospital (days) | 60 / 180 | 60 / 90 | 30 / 60 | 60 / 90 | 60 / 90 | 60 / 90 | 30 / 60 | 30 / 60 |
Preventive check‑ups | Annual from Day 1 | Annual (₹2 k/yr) | Annual + wellness rewards | Annual with wallet funds | Annual | None | Annual (1 % SI) | After 4 claim‑free yrs |
In‑patient cover | Up to SI, any room | Up to SI; room cap = single private | No room cap ≥ ₹10 L SI | No room cap | No room cap | Shared A/C unless upgrade | Single private | Single private |
Extended daily allowance | Recovery cash ₹1 k/day (rider) | Daily cash ₹1 k (built‑in) | Hospital cash rider | Wallet can pay | Convalescence ₹10 k | None | None | None |
PED waiting | 36 m (24 m for D&H) | 48 m | 24 - 48 m | 36 m | 48 m | 48 m | 48 m | 48 m |
Instant cover | 30‑day std wait; accidents day 1 | Same | Same | Same | Same | Same | Same | Same |
Coverage for complications | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Cash‑less network | ~ 10 000 | ~ 14 000 | ~ 10 000 | ~ 10 000 | ~ 7 200 | ~ 6 000 | ~ 5 000 | ~ 4 800 |
Premium (₹/month) | ₹725 | ₹580 | ₹790 | ₹690 | ₹915 | ₹460 | ₹535 | ₹610 |
OPD / medication | Cashback wallet; add‑on OPD Plus | Not covered | OPD module up to ₹25 k | Built‑in wallet ≈ ₹10 k | Rider | Not covered | Optional rider | Not covered |
Claim‑settlement % | 90.1 % | 89.9 % | 92 % | 94 % | 90 % | 88 % | 90 % | 93 % |
Unique benefits | Unlimited ReAssure refill after first claim; day‑1 D&H | Premium lock till 36 y; 100 % CB for every claim‑free yr | HealthReturns™ cashback; chronic OPD | Wallet rollover + 6 % interest; doubles as deductible | Global cover rider; AYUSH 100 % | Flat low premium; simple benefits | Flexi deductible to cut premium 25 - 40 % | Loyalty bonus 10 % SI/year up to 50 % |
Portability | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Max SI (₹) | 1 Cr | 1 Cr | 2 Cr | 1 Cr | 50 L | 20 L | 25 L | 20 L |
Entry age (ind.) | 18-65 | 18-40 | 18-65 | 18-65 | 18-65 | 18-65 | 18-65 | 18-65 |
Policy type | Individual / Floater | Individual / Floater | Individual / Floater | Individual / Floater | Individual / Floater | Individual / Floater | Individual / Floater | Floater / Individual |
Tenure | 1 / 2 / 3 yrs | 1 / 2 / 3 yrs | 1 / 2 / 3 yrs | 1 / 2 / 3 yrs | 1 / 2 / 3 yrs | 1 / 2 / 3 yrs | 1 / 2 / 3 yrs | 1 / 2 / 3 yrs |
Refill / restore | Unlimited per claim | 100 % once / yr | 100 % once / yr | 100 % once / yr | 100 % once / yr | None | 100 % once / yr | 100 % once / yr |
No‑claim bonus | 50 % SI / yr, stack to 100 % | 100 % SI / yr, stack ∞ | 50 % SI / yr, max 100 % | 50 % SI / yr, max 100 % | 50 % SI / yr, max 100 % | 5 % SI / yr, max 25 % | 10 % SI / yr, max 50 % | 10 % SI / yr, max 50 % |
* Please read the disclaimer at the end of this page before purchasing this policy.
Our Top Recommended Health Insurance Policies for 25 Year Olds
Niva Bupa ReAssure 2.0 – Individual Plan
If you’re looking for long-term protection and flexibility, Niva Bupa ReAssure 2.0 is worth a serious look. This plan offers full coverage for hospital stays, including both AYUSH treatments and modern medical procedures. One of its biggest highlights is the ReAssure Forever feature, which gives you unlimited restoration of the sum insured throughout the year. That means if you use your coverage once, it gets refilled at no extra cost, again and again, for any illness or person covered.
You also get the Booster+ benefit. If you don’t use the full sum insured in a year, it gets carried forward and can grow up to ten times the base amount over time. The plan encourages preventive care too, with free annual health check-ups starting from day one. Here's a closer look at why it stands out.
Why It Stands Out
Unlimited refill of your sum insured with ReAssure Forever
Booster+ helps you grow your unused sum insured over time
No co-payment or sub-limits on most treatments
Covers advanced medical care, organ donation, and even air ambulance services
Extra riders available for things like diabetes coverage, hospital cash, and inflation protection
Encourages healthy habits with wellness discounts and health check-ups
Potential Limitations
Premiums are on the higher side, starting from around ₹725 per month but that’s because you’re getting wide and unrestricted benefits
There are standard waiting periods before some treatments are covered
Some useful features like OPD or non-payable items need additional riders
Once you make a claim, the premium lock ends and your renewal price may go up

Star Health Young Star – Silver Plan
Designed specifically for people between 18 and 40, this plan is a great fit for 25-year-olds. Star Health’s Young Star – Silver plan focuses on full hospital coverage, including daycare procedures, pre and post-hospital expenses, and modern treatment options. It even supports alternative treatments like AYUSH. One of its standout features is the automatic restoration of your sum insured if you use it up once in a year.
There’s a 20 percent cumulative bonus added every year you don’t make a claim, and it can go up to 100 percent. You also get health check-ups, and the plan rewards early enrollment with discounts. There’s no need for a medical test before buying the plan, which makes the process quick and simple.
Why It Stands Out
Built for young adults with an age limit of 40
No medical screening required to sign up
No cap on room rent, so you can choose the hospital room you prefer
Wellness programs and health check-ups included
Renewal discounts if you enroll before 36 and keep renewing after 40
100 percent restoration of your sum insured if it gets used up once in a year
Cumulative bonus adds value each year you don’t make a claim
Lower base price (≈ ₹580 / month) making it cheaper than most full-feature plans.
Potential Limitations
Restoration of the sum insured happens only once per policy year
You cannot newly buy the policy once you cross 40, although renewals are allowed
Add-on covers are available only with higher sum insured options

This plan brings something different to the table. Along with the usual hospitalisation and medical coverage, it comes with a special Health Wallet. If you don’t use certain benefits during the year, they roll over and sit in your wallet balance. You can later use this for non-payable medical items, OPD visits, dental care, or even to pay future premiums. It’s a good match for young people who may not need frequent medical help but still want their money to be put to use.
Why It Stands Out
Covers hospitalisation, modern treatments, and daycare procedures
Yearly health check-ups and wellness programs included
No-claim bonus and restoration options for added coverage
Extra flexibility in how you use your benefits
Health Wallet saves your unused benefits, which you can use later for OPD, dental, or future premiums
Potential Limitations
If you make frequent claims, the wallet doesn’t build up much value
Some treatments may need riders or come with conditions
Waiting periods apply for pre-existing illnesses and specific procedures
Base premium (~₹690 / month) is mid-range. You pay slightly more than the cheapest plans for the wallet feature.
With simple onboarding, hassle-free claims, and plans designed for modern lifestyles,
it’s worth checking out before making a decision.
Why You Should Buy Health Insurance While You're Still Young
If you’re in your 20s or 30s, buying health insurance might not be the first thing on your mind. But starting early has its own benefits, and waiting too long can cost you more than you think. Here’s why it makes sense to get insured while you’re still young and healthy.
1
It Takes Care of Medical Bills
Whether it’s a planned surgery or a sudden emergency, medical bills can quickly pile up. A good mediclaim plan takes care of hospital expenses, including day care procedures, doctor consultations, OPD visits, and even advanced treatments. You don’t need to stress about paying from your pocket during emergencies. The insurance company handles it as per your coverage.
2
You Can Save on Taxes Too
Health insurance doesn’t just protect your health. It helps your finances as well. When you pay your premium, you can claim a deduction under Section 80D of the Income Tax Act, 1961. That means you end up saving money while also staying prepared for medical expenses.
3
You Get Better Plans at Lower Costs
Buying a policy when you're young and healthy gives you more choices and better coverage. As you grow older or develop health issues, your premiums can go up, and you might have to settle for limited coverage. But if you lock in a good plan early, you get more benefits at a lower price.
What Should Be the Ideal Coverage for Young Adults in India?
If you're in your 20s or 30s and living in a non-metro city, a family floater plan with a sum insured between ₹5 lakh to ₹10 lakh should be enough to handle most medical emergencies.
Why is it Important to Buy a Health Insurance Plan at a Young Age?
Things You Should Think About in Your
Mid-20s Before Buying Health Insurance
1
Your Lifestyle and Daily Habits Matter
If you’re into adventure sports, travel often, or have habits like smoking or irregular sleep, you might face higher health risks. Look for plans that either cover these risks or offer the option to add them later. Some insurers now have plans made especially for people with active or high-risk lifestyles.
2
Keep Future Plans in Mind
Think a few years ahead. Are you planning to get married soon? Thinking about kids? Buying your own home? Your health insurance plan should be flexible enough to grow with you. Choose a plan that allows you to increase your sum insured or switch to family coverage later without too much hassle.
3
Don’t Skip Preventive Health Check-Ups
Even if you feel perfectly healthy now, health issues can come up out of nowhere. Many health insurance plans offer free annual health check-ups. Make sure to use them. Early detection can save you a lot of money and trouble in the long run.
Disclaimers & Important Conditions