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Best Health Insurance for 25-Year-Old in India

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

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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

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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

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HDFC ERGO Health Wallet – Silver Plan

HDFC ERGO Health Wallet – Silver Plan

HDFC ERGO Health Wallet – Silver Plan

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.

Looking for something even better?

Looking for something even better?

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.

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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.

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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.

However, if you live in a metro city like Mumbai, Delhi, or Bangalore, then you’ll need a higher cover. In such places, a policy with a sum insured between ₹15 lakh to ₹20 lakh is a safer bet. Medical treatment in metro cities is expensive, and a lower cover might not be enough.

However, if you live in a metro city like Mumbai, Delhi, or Bangalore, then you’ll need a higher cover. In such places, a policy with a sum insured between ₹15 lakh to ₹20 lakh is a safer bet. Medical treatment in metro cities is expensive, and a lower cover might not be enough.

However, if you live in a metro city like Mumbai, Delhi, or Bangalore, then you’ll need a higher cover. In such places, a policy with a sum insured between ₹15 lakh to ₹20 lakh is a safer bet. Medical treatment in metro cities is expensive, and a lower cover might not be enough.

Why is it Important to Buy a Health Insurance Plan at a Young Age?

You Pay Lower Premiums When You're Young: Buying health insurance early means you’ll pay much less for your policy. That’s because when you’re young and healthy, insurance companies see you as low-risk. So, your premiums stay affordable, and you can lock in a lower rate for the years ahead. This way, you’ll be paying less now and saving more in the long run.

You Pay Lower Premiums When You're Young: Buying health insurance early means you’ll pay much less for your policy. That’s because when you’re young and healthy, insurance companies see you as low-risk. So, your premiums stay affordable, and you can lock in a lower rate for the years ahead. This way, you’ll be paying less now and saving more in the long run.

You Pay Lower Premiums When You're Young: Buying health insurance early means you’ll pay much less for your policy. That’s because when you’re young and healthy, insurance companies see you as low-risk. So, your premiums stay affordable, and you can lock in a lower rate for the years ahead. This way, you’ll be paying less now and saving more in the long run.

You’ll Complete the Waiting Period While You’re Still Healthy: Most health insurance plans have waiting periods, especially for pre-existing conditions or certain treatments. These can last anywhere from 2 to 4 years. If you buy your policy while you're still in your twenties and relatively healthy, you’ll likely finish this waiting period without even needing to make a claim. Later in life, when you might need coverage the most, your policy will be fully active without restrictions.

You’ll Complete the Waiting Period While You’re Still Healthy: Most health insurance plans have waiting periods, especially for pre-existing conditions or certain treatments. These can last anywhere from 2 to 4 years. If you buy your policy while you're still in your twenties and relatively healthy, you’ll likely finish this waiting period without even needing to make a claim. Later in life, when you might need coverage the most, your policy will be fully active without restrictions.

You’ll Complete the Waiting Period While You’re Still Healthy: Most health insurance plans have waiting periods, especially for pre-existing conditions or certain treatments. These can last anywhere from 2 to 4 years. If you buy your policy while you're still in your twenties and relatively healthy, you’ll likely finish this waiting period without even needing to make a claim. Later in life, when you might need coverage the most, your policy will be fully active without restrictions.

You Get Access to More Benefits: Health insurers tend to offer better coverage to younger buyers. You’re more likely to get add-ons like outpatient (OPD) cover, maternity benefits, and even wellness perks like health checkups and gym discounts. You also face fewer restrictions such as sub-limits or long waiting periods. In short, you get more for your money.

You Get Access to More Benefits: Health insurers tend to offer better coverage to younger buyers. You’re more likely to get add-ons like outpatient (OPD) cover, maternity benefits, and even wellness perks like health checkups and gym discounts. You also face fewer restrictions such as sub-limits or long waiting periods. In short, you get more for your money.

You Get Access to More Benefits: Health insurers tend to offer better coverage to younger buyers. You’re more likely to get add-ons like outpatient (OPD) cover, maternity benefits, and even wellness perks like health checkups and gym discounts. You also face fewer restrictions such as sub-limits or long waiting periods. In short, you get more for your money.

No Medical Tests Required: Most insurance providers skip pre-policy medical check-ups if you're young and healthy. This makes the buying process a lot quicker and more convenient. You can get your policy issued within a day or two without running around for health reports.

No Medical Tests Required: Most insurance providers skip pre-policy medical check-ups if you're young and healthy. This makes the buying process a lot quicker and more convenient. You can get your policy issued within a day or two without running around for health reports.

No Medical Tests Required: Most insurance providers skip pre-policy medical check-ups if you're young and healthy. This makes the buying process a lot quicker and more convenient. You can get your policy issued within a day or two without running around for health reports.

Less Chance of Your Application Getting Rejected: Insurers assess your health status before offering coverage. If you're young, fit, and have no history of illness, your chances of being denied are very low. By starting early, you also avoid the risk of rejection that often comes later due to age-related health problems.

Less Chance of Your Application Getting Rejected: Insurers assess your health status before offering coverage. If you're young, fit, and have no history of illness, your chances of being denied are very low. By starting early, you also avoid the risk of rejection that often comes later due to age-related health problems.

Less Chance of Your Application Getting Rejected: Insurers assess your health status before offering coverage. If you're young, fit, and have no history of illness, your chances of being denied are very low. By starting early, you also avoid the risk of rejection that often comes later due to age-related health problems.

Helps You Access Mental Health Support: Mental health concerns are becoming more common among young adults. A recent UCSF study showed that nearly half of young adults experienced mental health symptoms, but not everyone got the care they needed. A good health insurance policy can give you access to mental health services like counselling or therapy. It ensures you get support when you need it without worrying about high costs.

Helps You Access Mental Health Support: Mental health concerns are becoming more common among young adults. A recent UCSF study showed that nearly half of young adults experienced mental health symptoms, but not everyone got the care they needed. A good health insurance policy can give you access to mental health services like counselling or therapy. It ensures you get support when you need it without worrying about high costs.

Helps You Access Mental Health Support: Mental health concerns are becoming more common among young adults. A recent UCSF study showed that nearly half of young adults experienced mental health symptoms, but not everyone got the care they needed. A good health insurance policy can give you access to mental health services like counselling or therapy. It ensures you get support when you need it without worrying about high costs.

Keeps You Covered During Life Transitions: In your mid-20s, you might be stepping out of your parents' insurance plan, starting your first job, or moving to a new city for studies or work. Having your own health insurance during this phase helps you stay protected no matter where life takes you. It gives you the peace of mind to focus on your goals without worrying about medical expenses.

Keeps You Covered During Life Transitions: In your mid-20s, you might be stepping out of your parents' insurance plan, starting your first job, or moving to a new city for studies or work. Having your own health insurance during this phase helps you stay protected no matter where life takes you. It gives you the peace of mind to focus on your goals without worrying about medical expenses.

Keeps You Covered During Life Transitions: In your mid-20s, you might be stepping out of your parents' insurance plan, starting your first job, or moving to a new city for studies or work. Having your own health insurance during this phase helps you stay protected no matter where life takes you. It gives you the peace of mind to focus on your goals without worrying about medical expenses.

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.

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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.

FAQs

FAQs

Is 25 a good age to buy health insurance in India?

Is 25 a good age to buy health insurance in India?

Is 25 a good age to buy health insurance in India?

What is the best health insurance plan for a 25-year-old in India?

What is the best health insurance plan for a 25-year-old in India?

What is the best health insurance plan for a 25-year-old in India?

Is ₹15 lakh health insurance coverage enough for young adults in India?

Is ₹15 lakh health insurance coverage enough for young adults in India?

Is ₹15 lakh health insurance coverage enough for young adults in India?

Can I buy health insurance online safely as a young adult?

Can I buy health insurance online safely as a young adult?

Can I buy health insurance online safely as a young adult?

When is health insurance most expensive?

When is health insurance most expensive?

When is health insurance most expensive?

Do I need health insurance if I’m healthy and 25 years old?

Do I need health insurance if I’m healthy and 25 years old?

Do I need health insurance if I’m healthy and 25 years old?

Can I add my parents or spouse to my plan if I’m 25?

Can I add my parents or spouse to my plan if I’m 25?

Can I add my parents or spouse to my plan if I’m 25?

Are there any tax benefits for young adults buying health insurance?

Are there any tax benefits for young adults buying health insurance?

Are there any tax benefits for young adults buying health insurance?

What are waiting periods, and how do they affect me as a 25-year-old?

What are waiting periods, and how do they affect me as a 25-year-old?

What are waiting periods, and how do they affect me as a 25-year-old?

Disclaimers & Important Conditions

Data snapshot: brochure details and online quotes as of 24 Apr 2025; verify in the final Policy Wordings you receive.

Data snapshot: brochure details and online quotes as of 24 Apr 2025; verify in the final Policy Wordings you receive.

Data snapshot: brochure details and online quotes as of 24 Apr 2025; verify in the final Policy Wordings you receive.

Premiums shown: healthy 25-year-old, Delhi, ₹10 L SI, annual pay, no riders. Your rate changes with age, city, health, add-ons, GST.

Premiums shown: healthy 25-year-old, Delhi, ₹10 L SI, annual pay, no riders. Your rate changes with age, city, health, add-ons, GST.

Premiums shown: healthy 25-year-old, Delhi, ₹10 L SI, annual pay, no riders. Your rate changes with age, city, health, add-ons, GST.

Waiting periods: 30 days for new illnesses, 24–48 months for pre-existing diseases (cannot be waived). Accidents covered from Day 1.

Waiting periods: 30 days for new illnesses, 24–48 months for pre-existing diseases (cannot be waived). Accidents covered from Day 1.

Waiting periods: 30 days for new illnesses, 24–48 months for pre-existing diseases (cannot be waived). Accidents covered from Day 1.

Room caps & co-pays: choosing a room above your plan’s limit triggers proportionate deductions—check before admission.

Room caps & co-pays: choosing a room above your plan’s limit triggers proportionate deductions—check before admission.

Room caps & co-pays: choosing a room above your plan’s limit triggers proportionate deductions—check before admission.

Refill/Restore: kicks in only after the base cover is exhausted; usually for unrelated claims (ReAssure 2.0 is the sole unlimited exception).

Refill/Restore: kicks in only after the base cover is exhausted; usually for unrelated claims (ReAssure 2.0 is the sole unlimited exception).

Refill/Restore: kicks in only after the base cover is exhausted; usually for unrelated claims (ReAssure 2.0 is the sole unlimited exception).

Cash-less & OPD wallets: work only at network providers; networks change—confirm your hospital in advance.

Cash-less & OPD wallets: work only at network providers; networks change—confirm your hospital in advance.

Cash-less & OPD wallets: work only at network providers; networks change—confirm your hospital in advance.

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CIN: U72200KA2015PTC083534
Address: G-405,4th Floor - Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore - 560066

Copyright © 2025 MWYN Tech Pvt Ltd. All rights reserved.

Make the Move

What are you waiting for?

MWYN Tech Private Limited

CIN: U72200KA2015PTC083534
Address: G-405,4th Floor - Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore - 560066

Copyright © 2025 MWYN Tech Pvt Ltd. All rights reserved.

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MWYN Tech Private Limited

CIN: U72200KA2015PTC083534
Address: G-405,4th Floor - Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore - 560066

Copyright © 2025 MWYN Tech Pvt Ltd. All rights reserved.