Which Are the Top 5 Government Health Insurance Companies in India in 2025?

 Which Are the Top 5 Government Health Insurance Companies in India in 2025?

In India, healthcare costs are rising every year. At the same time, the need for reliable health insurance is growing. For many people, government health insurance companies are a trusted choice. These companies are owned or backed by the government, so they offer affordable and dependable health plans.

If you are looking to protect yourself and your family from unexpected medical expenses, then choosing a plan from a government insurer can be a wise decision. In this blog, we will talk about the top 5 govt health insurance companies in India in 2025. These companies are well-known for their wide network, strong claim support, and customer-friendly services.

Let’s explore each of these companies in detail.

1. New India Assurance Company Limited

New India Assurance is one of the largest and oldest government health insurance companies in India. It is owned by the Government of India and has been serving customers since 1919. In 2025, it continues to be one of the top govt health insurance companies in India.

Key Features:

Wide range of health insurance plans

New India Assurance offers a variety of plans suitable for different needs, such as individual policies, family floater plans, and senior citizen coverage. They also have top-up policies to increase your health insurance limit at a low cost. This flexibility helps people choose a plan that matches their health needs and budget.

Cashless network: Over 3,000 hospitals across India

The company has partnered with over 3,000 hospitals across India to offer cashless treatment. This means policyholders don’t have to pay upfront during hospitalization—the insurer directly settles the bill with the hospital. This network ensures quick and hassle-free treatment in emergencies.

High claim settlement ratio: Shows trust and reliability

New India Assurance has consistently maintained a high claim settlement ratio. This means that a large number of claims are successfully paid out, showing that the company is reliable and trustworthy when it comes to helping customers in their time of need.

Global coverage option: Some policies offer treatment outside India

Some of their health insurance plans offer global coverage, which allows policyholders to get treatment in select hospitals outside India. This is useful for people who travel frequently or live abroad for work, ensuring they remain protected across borders.

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Popular Plans:

New India Mediclaim Policy

This is a comprehensive plan that covers hospitalization expenses, daycare procedures, pre- and post-hospitalization costs, and more. It’s suitable for individuals and families and comes with options to choose sum insured amounts as per your needs.

Asha Kiran Policy

This is a unique policy specially designed for families with a girl child. It offers coverage for both parents and the girl child, promoting financial protection and health security for female children. It includes features like hospitalization cover and accident protection.

Top-up Mediclaim

Top-up plans provide additional coverage at a lower premium once a certain threshold is crossed. This policy is ideal for people who already have a basic health plan but want extra coverage for bigger medical expenses without paying high premiums.

2. United India Insurance Company Limited

United India Insurance is another well-known name in the public sector. It was established in 1938 and later nationalized. It is fully owned by the Government of India and provides various general insurance products, including health insurance.

Key Features:

Affordable plans for all income groups

United India Insurance offers health insurance policies that are budget-friendly, making them suitable for people from all income levels, including middle-class and salaried individuals.

Special plans for rural and low-income families

The company designs specific health plans for rural populations and economically weaker sections, helping them access quality healthcare at minimal cost.

Strong hospital network with over 3,000 empanelled hospitals

With a wide hospital tie-up across India, policyholders can easily get cashless treatment without financial stress during emergencies.

User-friendly digital services for claim and policy management

Their online platform makes it easy to buy policies, file claims, and track claim status—saving time and effort for customers.

Popular Plans:

·       Family Medicare Policy

·       UNI Criticare Policy

·       Super Top-up Medicare

This insurer is often praised for its simple claim process and prompt customer service, making it one of the top 5 govt health insurance companies in India.

3. National Insurance Company Limited

National Insurance is another top government health insurance provider in India. It was founded in 1906 and is one of the oldest insurance companies in the country. It was later nationalized and now operates under the Ministry of Finance.

Key Features:

Affordable and flexible health insurance plans

National Insurance offers low-cost plans with flexible options to suit different needs, whether for individuals, families, or senior citizens.

High claim settlement ratio

The company has a strong track record of settling claims efficiently, which gives customers confidence and peace of mind.

Coverage for critical illnesses and day care procedures

Many plans include coverage for serious diseases like cancer and heart conditions, along with procedures that don’t require 24-hour hospitalization.

Available in both urban and rural areas

With a strong presence across cities and villages, the company ensures health insurance access for people in all parts of the country.

Popular Plans:

·       National Mediclaim Policy

·       Parivar Mediclaim for Family

·       Critical Illness Policy

People trust National Insurance for its experience, large hospital network, and responsive customer support. It holds a firm position among the top govt health insurance companies in India.

4. Oriental Insurance Company Limited

Oriental Insurance is a public sector general insurance company established in 1947. It is fully owned by the central government and is known for offering customized health insurance solutions for different customer groups.

Key Features:

Wide choice of health plans for individuals, families, senior citizens, and government employees

Oriental Insurance offers a variety of health plans tailored to different groups, ensuring that people of all ages and professions get suitable and comprehensive coverage.

Cashless treatment at over 4,300 hospitals

With a strong hospital network, policyholders can get quality medical care without paying upfront, thanks to the cashless facility available across India.

Special policies for government employees and public sector workers

The company provides customized policies with added benefits and lower premiums for government staff and public sector employees, offering them better health protection.

Health check-up benefits available in many plans

Many of their health insurance plans include regular health check-ups, which help in early detection of illnesses and promote better health monitoring.
Popular Plans:

·       Happy Family Floater Policy

·       Oriental Mediclaim Insurance Policy

·       Arogya Sanjeevani Policy

Oriental Insurance is trusted for its long-standing reputation, policy variety, and transparent claim process.

5. Employees’ State Insurance Corporation (ESIC)

ESIC is a government-run organization under the Ministry of Labour and Employment. It offers social security and health insurance to workers earning below a certain wage limit. While ESIC is not an insurance company in the traditional sense, it plays a vital role in providing health coverage to millions of workers across India.

Key Features:

Free medical treatment for registered workers and their families

ESIC provides complete medical care at no cost for eligible workers and their dependents, including consultation, treatment, and medicines.

Covers hospitalization, surgery, maternity, and chronic illness

The scheme offers wide-ranging health coverage including hospital stays, surgical procedures, maternity benefits, and treatment for long-term diseases.

More than 1,500 ESIC dispensaries and hospitals across India

ESIC operates a vast network of medical facilities across the country, ensuring easy access to healthcare for workers in both cities and rural areas.

Also offers disability and dependents’ benefits

Apart from health services, ESIC also supports workers with financial help in case of disability or death, ensuring social security for their families.

 

Who Can Apply:

·       Employees with monthly wages up to ₹21,000 (₹25,000 for persons with disability).

·       Employers and employees both contribute to the ESIC fund.

Though it works differently from other insurers, ESIC is an important part of the list of top 5 govt health insurance companies in India because of its wide reach and social impact.

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Why Choose Government Health Insurance Companies?

Here are some of the reasons why many people prefer public sector health insurance providers:

1. Government-backed trust

People feel more secure with companies backed by the Indian government.

2. Affordable premiums

Government insurers usually offer lower premiums than private companies.

3. Wide hospital network

Most public insurance companies have tie-ups with thousands of hospitals across India.

4. Simple and transparent policies

Their terms and conditions are clear and easy to understand.

5. Good customer support

Most public insurers have branches in even small towns and offer phone and online support.

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Final Thoughts

If you are planning to buy health insurance, then looking into these top 5 govt health insurance companies in India is a smart idea. They have a long history, government backing, and a reputation for reliability.

To sum up, here are the top 5 govt health insurance companies in India in 2025:

1.     New India Assurance Company Limited

2.     United India Insurance Company Limited

3.     National Insurance Company Limited

4.     Oriental Insurance Company Limited

5.     Employees’ State Insurance Corporation (ESIC)

Before you buy any health plan, make sure to check your needs, compare policies, and read all terms carefully. A good health insurance plan can offer you peace of mind and financial safety during tough times.