Top 10 Cashless Mediclaim Insurance Providers in India (2025)
In a medical emergency, arranging funds at the last minute despite having health insurance is overwhelming. And you’ve probably seen someone in your family, relatives, or friends circle in such a critical situation.
Here the cashless medical policy is a savior.
According to the recent data from 2024, approximately 66.16% of all health insurance claims in India were settled through cashless mode, and 33.84% of claims were settled via reimbursement.
Here are top 10 Cashless Health Insurance Companies in India: You Can Trust in 2025
We we’ll compare them as per their cashless network hospital, popular plan, USP, CSR.
1. Star Health and Allied Insurance
- Unique Selling Proposition (USP): First standalone health insurer in India.
- Cashless Network: Over 14,000 hospitals.
- Popular Plan: Star Comprehensive Health Insurance.
- Claim Settlement Ratio (CSR): 90%+
2. Niva Bupa Health Insurance (Formerly Max Bupa)
- Unique Selling Proposition (USP): No capping on room rent in most plans.
- Cashless Network: 10,000+ hospitals.
- Popular Plan: Health Companion, ReAssure.
- Claim Settlement Ratio (CSR): 91%
3. HDFC ERGO Health Insurance
- Unique Selling Proposition (USP): Offers unlimited reinstatement and global coverage options.
- Cashless Network: 12,000+ hospitals.
- Popular Plan: Optima Restore, My:Health Suraksha.
- Claim Settlement Ratio (CSR): 93%
4. ICICI Lombard General Insurance
- Unique Selling Proposition (USP): Strong legacy with ICICI brand trust.
- Cashless Network: 7,500+ hospitals.
- Popular Plan: Complete Health Insurance.
- Claim Settlement Ratio (CSR): 87%
5. ManipalCigna Health Insurance
- Unique Selling Proposition (USP): High claim efficiency with affordable premiums.
- Cashless Network: 8,500+ hospitals.
- Popular Plan: ProHealth Prime.
- Claim Settlement Ratio (CSR): 86%
6. TATA AIG Health Insurance
- Unique Selling Proposition (USP): Globally recognized brand, high-tech claims system.
- Cashless Network: 7,200+ hospitals.
- Popular Plan: Medicare Premier.
- Claim Settlement Ratio (CSR): 94%
7. New India Assurance (Government-backed)
- Unique Selling Proposition (USP): Government-owned insurer with national reach.
- Cashless Network: 3,000+ hospitals.
- Popular Plan: Mediclaim 2025 Policy.
- Claim Settlement Ratio (CSR): 85%
8. Care Health Insurance (Religare)
- Unique Selling Proposition (USP): Offers “Care Freedom” for senior citizens with no medical tests.
- Cashless Network: 11,000+ hospitals.
- Popular Plan: Care Advantage and Care Supreme.
- Claim Settlement Ratio (CSR): 89%
9. Oriental Insurance
- Unique Selling Proposition (USP): Public sector insurer with wide government base.
- Cashless Network: 4,300+ hospitals.
- Popular Plan: Happy Family Floater.
- Claim Settlement Ratio (CSR): 88%
10. Aditya Birla Health Insurance
- Unique Selling Proposition (USP): Wellness rewards program and fitness tracking.
- Cashless Network: 10,500+ hospitals.
- Popular Plan: Activ Health Enhanced.
- Claim Settlement Ratio (CSR): 91%
What Makes Insurance Mart the Best Partner for Cashless Mediclaim Policies
If you want a hassle-free experience with your health insurance policy, Insurance Mart is the right place for you. Here, you not only get proper guidance for choosing the right policy but also complete transparency about cashless policies. Everything is explained clearly, and a medical insurance plan is provided only after your full understanding and consent.
If you’re planning to buy a cashless or any kind of mediclaim policy or simply need expert advice, get in touch with Insurance Mart.
book your free consultation now: +91 9350583721
